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

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

1.3  -0.08 (-5.8%)

Fundamental Rating

3

TIRX gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 142 industry peers in the Insurance industry. TIRX has a great financial health rating, but its profitability evaluates not so good. TIRX is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year TIRX has reported negative net income.
In the past year TIRX had a positive cash flow from operations.
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

TIRX has a worse Return On Assets (-9.97%) than 92.96% of its industry peers.
TIRX has a worse Return On Equity (-11.76%) than 90.14% 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

TIRX does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
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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7

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.
TIRX has more shares outstanding than it did 5 years ago.
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

TIRX has an Altman-Z score of 1.82. This is not the best score and indicates that TIRX is in the grey zone with still only limited risk for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 1.82, TIRX belongs to the top of the industry, outperforming 91.55% of the companies in the same industry.
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.
TIRX's Debt to FCF ratio of 1.25 is in line compared to the rest of the industry. TIRX outperforms 53.52% of its industry peers.
A Debt/Equity ratio of 0.00 indicates that TIRX is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.00, TIRX belongs to the top of the industry, outperforming 89.44% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 1.25
Altman-Z 1.82
ROIC/WACCN/A
WACC7.25%
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

A Current Ratio of 6.74 indicates that TIRX has no problem at all paying its short term obligations.
With an excellent Current ratio value of 6.74, TIRX belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
TIRX has a Quick Ratio of 6.74. This indicates that TIRX is financially healthy and has no problem in meeting its short term obligations.
The Quick ratio of TIRX (6.74) is better than 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!
The Revenue has been growing by 9.96% on average over the past years. This is quite good.
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

The Price/Earnings Ratio is negative for TIRX. In the last year negative earnings were reported.
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

Based on the Price/Free Cash Flow ratio, TIRX is valued a bit more expensive than 62.68% of the companies in the same industry.
Industry RankSector Rank
P/FCF 14.72
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 (6/5/2025, 10:33:33 AM)

1.3

-0.08 (-5.8%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)10-27 2022-10-27/amc
Earnings (Next)N/A N/A
Inst Owners0.16%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap13.22M
Analysts0
Price TargetN/A
Short Float %0.04%
Short Ratio0.01
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 4.11
P/FCF 14.72
P/OCF 14.72
P/B 0.39
P/tB 0.39
EV/EBITDA N/A
EPS(TTM)-2.42
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.09
FCFY6.79%
OCF(TTM)0.09
OCFY6.79%
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 1.82
F-Score4
WACC7.25%
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%