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TIAN RUIXIANG HOLDINGS LTD-A (TIRX) Stock Fundamental Analysis

NASDAQ:TIRX - Nasdaq - KYG8884K1287 - Common Stock - Currency: USD

1.2735  -0.01 (-0.51%)

After market: 1.29 +0.02 (+1.3%)

Fundamental Rating

3

Taking everything into account, TIRX scores 3 out of 10 in our fundamental rating. TIRX was compared to 144 industry peers in the Insurance industry. The financial health of TIRX is average, but there are quite some concerns on its profitability. TIRX has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

TIRX had negative earnings in the past year.
TIRX had a positive operating cash flow in the past year.
In the past 5 years TIRX reported 4 times negative net income.
In multiple years TIRX reported negative operating cash flow during the last 5 years.
TIRX Yearly Net Income VS EBIT VS OCF VS FCFTIRX Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 0 -2M -4M

1.2 Ratios

With a Return On Assets value of -9.97%, TIRX is not doing good in the industry: 92.36% of the companies in the same industry are doing better.
TIRX has a worse Return On Equity (-11.76%) than 89.58% of its industry peers.
Industry RankSector Rank
ROA -9.97%
ROE -11.76%
ROIC N/A
ROA(3y)-10.09%
ROA(5y)-5.76%
ROE(3y)-11.11%
ROE(5y)-6.19%
ROIC(3y)N/A
ROIC(5y)N/A
TIRX Yearly ROA, ROE, ROICTIRX Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10 -10 15

1.3 Margins

The Profit Margin and Operating Margin and Gross Margin are not available for TIRX so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
TIRX Yearly Profit, Operating, Gross MarginsTIRX Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2017 2018 2019 2020 2021 2022 2023 2024 0 -100 -200 -300

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6

2. Health

2.1 Basic Checks

TIRX does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for TIRX has been increased compared to 1 year ago.
Compared to 5 years ago, TIRX has more shares outstanding
TIRX has a worse debt/assets ratio than last year.
TIRX Yearly Shares OutstandingTIRX Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 2024 500K 1M 1.5M 2M
TIRX Yearly Total Debt VS Total AssetsTIRX Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

2.2 Solvency

Based on the Altman-Z score of 1.71, we must say that TIRX is in the distress zone and has some risk of bankruptcy.
TIRX has a Altman-Z score of 1.71. This is amongst the best in the industry. TIRX outperforms 89.58% of its industry peers.
TIRX has a debt to FCF ratio of 1.25. This is a very positive value and a sign of high solvency as it would only need 1.25 years to pay back of all of its debts.
The Debt to FCF ratio of TIRX (1.25) is comparable to the rest of the industry.
A Debt/Equity ratio of 0.00 indicates that TIRX is not too dependend on debt financing.
The Debt to Equity ratio of TIRX (0.00) is better than 88.89% of its industry peers.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 1.25
Altman-Z 1.71
ROIC/WACCN/A
WACC7.65%
TIRX Yearly LT Debt VS Equity VS FCFTIRX Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 0 10M 20M 30M

2.3 Liquidity

TIRX has a Current Ratio of 6.74. This indicates that TIRX is financially healthy and has no problem in meeting its short term obligations.
TIRX has a Current ratio of 6.74. This is amongst the best in the industry. TIRX outperforms 100.00% of its industry peers.
A Quick Ratio of 6.74 indicates that TIRX has no problem at all paying its short term obligations.
TIRX's Quick ratio of 6.74 is amongst the best of the industry. TIRX outperforms 100.00% of its industry peers.
Industry RankSector Rank
Current Ratio 6.74
Quick Ratio 6.74
TIRX Yearly Current Assets VS Current LiabilitesTIRX Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

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3

3. Growth

3.1 Past

TIRX shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 37.50%, which is quite impressive.
The Revenue has grown by 158.72% in the past year. This is a very strong growth!
Measured over the past years, TIRX shows a quite strong growth in Revenue. The Revenue has been growing by 9.96% on average per year.
EPS 1Y (TTM)37.5%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%58.7%
Revenue 1Y (TTM)158.72%
Revenue growth 3Y4.88%
Revenue growth 5Y9.96%
Sales Q2Q%485.48%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
TIRX Yearly Revenue VS EstimatesTIRX Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 1M 2M 3M

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0

4. Valuation

4.1 Price/Earnings Ratio

TIRX reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A
TIRX Price Earnings VS Forward Price EarningsTIRX Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0 0 0 0 0 0 0

4.2 Price Multiples

61.81% of the companies in the same industry are cheaper than TIRX, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 14.42
EV/EBITDA N/A
TIRX Per share dataTIRX EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 1 -1 2 -2 3

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

TIRX does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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TIAN RUIXIANG HOLDINGS LTD-A

NASDAQ:TIRX (6/25/2025, 8:14:29 PM)

After market: 1.29 +0.02 (+1.3%)

1.2735

-0.01 (-0.51%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)10-27 2022-10-27/amc
Earnings (Next)N/A N/A
Inst Owners0.02%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap12.95M
Analysts0
Price TargetN/A
Short Float %0.19%
Short Ratio0.03
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 4.02
P/FCF 14.42
P/OCF 14.42
P/B 0.38
P/tB 0.38
EV/EBITDA N/A
EPS(TTM)-2.42
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.09
FCFY6.93%
OCF(TTM)0.09
OCFY6.93%
SpS0.32
BVpS3.33
TBVpS3.33
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -9.97%
ROE -11.76%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 27.89%
ROA(3y)-10.09%
ROA(5y)-5.76%
ROE(3y)-11.11%
ROE(5y)-6.19%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.08
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 1.25
Debt/EBITDA N/A
Cap/Depr 0%
Cap/Sales 0%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 6.74
Quick Ratio 6.74
Altman-Z 1.71
F-Score4
WACC7.65%
ROIC/WACCN/A
Cap/Depr(3y)3.49%
Cap/Depr(5y)7.09%
Cap/Sales(3y)0.06%
Cap/Sales(5y)0.08%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)37.5%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%58.7%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)158.72%
Revenue growth 3Y4.88%
Revenue growth 5Y9.96%
Sales Q2Q%485.48%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y1.6%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-9.7%
FCF growth 3YN/A
FCF growth 5Y92.46%
OCF growth 1Y-9.7%
OCF growth 3YN/A
OCF growth 5Y31.41%