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

NASDAQ:TIRX - KYG8884K1287 - Common Stock

2.37 USD
-0.12 (-4.82%)
Last: 9/8/2025, 12:19:46 PM
Fundamental Rating

3

Taking everything into account, TIRX scores 3 out of 10 in our fundamental rating. TIRX was compared to 146 industry peers in the Insurance industry. While TIRX has a great health rating, there are worries 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.
TIRX had negative earnings in 4 of the past 5 years.
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 92.47% of its industry peers.
The Return On Equity of TIRX (-11.76%) is worse than 86.99% 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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7

2. Health

2.1 Basic Checks

TIRX does not have a ROIC to compare to the WACC, probably because it is not profitable.
TIRX has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, TIRX has more shares outstanding
The debt/assets ratio for TIRX is higher compared to a year ago.
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

An Altman-Z score of 30.32 indicates that TIRX is not in any danger for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 30.32, TIRX belongs to the top of the industry, outperforming 100.00% 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.
Looking at the Debt to FCF ratio, with a value of 1.25, TIRX is in line with its industry, outperforming 59.59% of the companies in the same industry.
A Debt/Equity ratio of 0.00 indicates that TIRX is not too dependend on debt financing.
TIRX's Debt to Equity ratio of 0.00 is amongst the best of the industry. TIRX outperforms 88.36% of its industry peers.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 1.25
Altman-Z 30.32
ROIC/WACCN/A
WACC7.53%
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.
TIRX's Current ratio of 6.74 is amongst the best of 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.
Looking at the Quick ratio, with a value of 6.74, TIRX belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
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

Based on the Price/Free Cash Flow ratio, TIRX is valued a bit more expensive than the industry average as 73.97% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 321.52
EV/EBITDA N/A
TIRX Per share dataTIRX EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 -0.5 -1 -1.5 -2

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

No dividends for TIRX!.
Industry RankSector Rank
Dividend Yield N/A

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TIAN RUIXIANG HOLDINGS LTD-A

NASDAQ:TIRX (9/8/2025, 12:19:46 PM)

2.37

-0.12 (-4.82%)

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%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap288.69M
Analysts0
Price TargetN/A
Short Float %0.06%
Short Ratio0.35
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 89.67
P/FCF 321.52
P/OCF 321.52
P/B 8.52
P/tB 8.52
EV/EBITDA N/A
EPS(TTM)-2.42
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.01
FCFY0.31%
OCF(TTM)0.01
OCFY0.31%
SpS0.03
BVpS0.28
TBVpS0.28
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 30.32
F-Score4
WACC7.53%
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%