AIFU Inc. (AIFU) 10-Year Financial Performance & Capital Metrics

AIFU • • Insurance & Managed Care

Financial ServicesSpecialty InsuranceInsurance Services & DistributionInsurance Agency Services

AboutAIFU, Inc. engages in the provision of agency services and insurance claims adjusting services. It operates through the Insurance Agency and Claims Adjusting segments. The Insurance Agency segment includes providing agency services for insurance products and life insurance products. The Claims Adjusting segment provides pre-underwriting survey services, claims adjusting services, disposal of residual value services, loading and unloading supervision services, and consulting services. The company was founded by Yin An Hu and Qiu Ping Lai in 1998 and is headquartered in Guangzhou, China.Show more

Revenue $1.81B -43.4%
Combined Ratio 124.1% +32.2%
Net Income $455M +62.2%
Return on Equity 18.32% +32.9%
Medical Cost Ratio 61.52% -8.3%
Operating Margin -24.1% -493.5%
Net Margin 25.15% +186.8%
ROA 11.09% +41.2%
Equity / Assets 63.37% +9.8%
Book Value per Share 982.98 +13.2%
Tangible BV/Share 982.98 +38.9%
Debt/Equity 0.08 -37.3%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Company is almost debt free
✓Strong 5Y profit CAGR of 19.2%
✓Strong Piotroski F-Score: 7/9
✓Trading at only 0.0x book value

✗Weaknesses

✗Unprofitable underwriting: 124.1% combined ratio
✗Weak momentum: RS Rating 7 (bottom 7%)
✗Trading more than 30% below 52-week high

Price & Volume

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Growth Metrics

Revenue CAGR

10Y-1.71%

5Y-13.36%

3Y-17.92%

TTM14.98%

Profit (Net Income) CAGR

10Y10.89%

5Y19.22%

3Y21.93%

TTM179.72%

EPS CAGR

10Y-9.65%

5Y-19.35%

3Y-76.72%

TTM132.32%

ROCE

10Y Avg6.5%

5Y Avg5.58%

3Y Avg0.48%

Latest-13.7%

Peer Comparison

Insurance Agency Services

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
AIFUAIFU Inc.	310.74M	2.68	2.31	-43.45%	8.77%	12%	43.25%	0.08

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Revenue+	2.46B	4.08B	4.09B	3.47B	3.71B	3.27B	3.27B	2.78B	3.2B	1.81B
Revenue Growth %	0.14%	0.66%	0%	-0.15%	0.07%	-0.12%	0%	-0.15%	0.15%	-0.43%
Medical Costs & Claims+	1.86B	3.11B	3.06B	2.35B	2.48B	2.21B	2.12B	1.8B	2.15B	1.11B
Medical Cost Ratio %	-	-	-	-	-	-	-	-	-	-
Gross Profit+	602.48M	976.28M	1.03B	1.13B	1.22B	1.05B	1.16B	986.01M	1.05B	695.97M
Gross Margin %	-	-	-	-	-	-	-	-	-	-
Gross Profit Growth %	0.13%	0.62%	0.05%	0.09%	0.09%	-0.14%	0.1%	-0.15%	0.07%	-0.34%
Operating Expenses+	574.03M	984.75M	755.93M	699.5M	753.19M	752.09M	854.04M	817.34M	857.15M	1.13B
OpEx / Revenue %	-	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	29.95M	33.72M	47.28M	26.78M	17.22M	17.94M	18.39M	19.47M	34.05M	29.31M
Combined Ratio %	-	-	-	-	-	-	-	-	-	-
Operating Income+	28.45M	-8.47M	273.14M	425.74M	469.36M	302.19M	301.9M	168.68M	195.82M	-435.84M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-0.08%	-1.3%	33.26%	0.56%	0.1%	-0.36%	-0%	-0.44%	0.16%	-3.23%
EBITDA+	58.4M	25.26M	320.41M	452.52M	486.58M	320.13M	320.29M	188.15M	229.88M	-406.54M
EBITDA Margin %	-	-	-	-	-	-	-	-	-	-
Interest Expense	0	0	0	0	0	0	0	0	0	0
Non-Operating Income	0	0	0	0	0	0	0	0	0	-404.12M
Pretax Income+	199.17M	172.34M	614.04M	841.68M	336.37M	359.56M	350.51M	126.74M	348.5M	408.19M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	25.55M	27.25M	167.8M	224.59M	143.82M	83.39M	90.57M	41.02M	59.4M	98.72M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	210.09M	157.05M	449.23M	609.91M	188.93M	268.25M	250.99M	100.27M	280.48M	454.96M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	0.3%	-0.25%	1.86%	0.36%	-0.69%	0.42%	-0.06%	-0.6%	1.8%	0.62%
EPS (Diluted)+	3.40	2.60	7.20	9.80	3.40	5.00	92.00	36.00	104.00	1.16
EPS Growth %	0.06%	-0.24%	1.77%	0.36%	-0.65%	0.47%	17.4%	-0.61%	1.89%	-0.99%
EPS (Basic)	3.60	2.80	7.20	9.80	3.40	5.00	92.00	36.00	104.00	1.17
Diluted Shares Outstanding	3.01M	3.02M	3.15M	3.1M	2.73M	2.69M	2.69M	2.69M	2.69M	2.68M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Total Assets+	4.01B	4.24B	4.74B	3.87B	3.44B	3.08B	3.24B	3.09B	4.05B	4.15B
Asset Growth %	0.07%	0.06%	0.12%	-0.18%	-0.11%	-0.1%	0.05%	-0.05%	0.31%	0.02%
Total Investment Assets+	2.31B	3.09B	2.9B	2.14B	1.98B	1.67B	1.21B	351.79M	1.18B	1.79B
Long-Term Investments	284.19M	294.58M	404.78M	587.52M	363.41M	357.66M	335.81M	4.04M	156.89M	1.16B
Short-Term Investments	2.03B	2.8B	2.5B	1.55B	1.61B	1.31B	870.68M	347.75M	1.02B	629.22M
Total Current Assets+	3.51B	3.69B	4.13B	3.06B	2.68B	2.31B	2.27B	2.29B	2.38B	2.04B
Cash & Equivalents	1.12B	236.95M	363.75M	772.82M	169.65M	245.43M	564.62M	567.52M	521.54M	192.12M
Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Other Current Assets	40.41M	76.19M	119.15M	134.33M	150.94M	125.13M	78.3M	7.12M	57.44M	35.99M
Goodwill & Intangibles+	153.18M	181.55M	127.08M	111.13M	110.19M	109.91M	109.87M	110M	432.46M	0
Goodwill	133.47M	122.08M	109.87M	109.87M	109.87M	109.87M	109.87M	110M	374.15M	0
Intangible Assets	19.71M	59.47M	17.21M	1.26M	322K	44K	0	0	58.32M	0
PP&E (Net)	34.15M	31.34M	26.07M	37.93M	231.24M	237.18M	272.48M	243.54M	227.72M	153.2M
Other Assets	28.19M	28.26M	45.19M	59.6M	46.92M	54.43M	239.17M	417.96M	817.51M	791.97M
Total Liabilities	580.86M	834.47M	749.35M	162.88M	1.4B	1.13B	1.28B	1.36B	1.71B	1.52B
Total Debt+	0	0	0	0	194.73M	202.97M	228.95M	172.17M	292.77M	206.49M
Net Debt	-1.12B	-236.95M	-363.75M	-772.82M	25.07M	-42.45M	-335.68M	-395.35M	-228.76M	14.37M
Long-Term Debt	0	0	0	0	0	0	0	0	0	0
Short-Term Debt	0	0	0	0	11.49M	13.22M	13.65M	35.68M	164.3M	134.98M
Total Current Liabilities+	488.45M	747.12M	661.86M	905.58M	947.97M	929.21M	908.67M	951.98M	1.02B	816.88M
Accounts Payable	160.89M	240.95M	203.02M	332.69M	382.88M	377.39M	335.72M	362.35M	251.25M	113.27M
Deferred Revenue	35.81M	19.28M	14.07M	0	0	0	0	0	0	0
Other Current Liabilities	0	80.08M	0	0	-11.49M	-13.22M	-13.65M	0	0	20.65M
Deferred Taxes	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Other Liabilities	70.35M	72.78M	70.35M	208.68M	337.25M	67.22M	171.08M	229.56M	469.13M	450.54M
Total Equity+	3.43B	3.4B	3.99B	2.75B	2.04B	1.95B	1.96B	1.73B	2.34B	2.63B
Equity Growth %	0.03%	-0.01%	0.17%	-0.31%	-0.26%	-0.04%	0%	-0.12%	0.35%	0.13%
Shareholders Equity	3.32B	3.29B	3.88B	2.63B	1.93B	1.83B	1.84B	1.62B	2.07B	2.55B
Minority Interest	116.14M	117.24M	111.34M	113.54M	113.18M	121.11M	122.48M	107.93M	266.25M	83.94M
Retained Earnings	871.36M	1.02B	1.47B	1.8B	1.48B	1.31B	1.31B	1.09B	1.32B	1.79B
Common Stock	8.59M	8.66M	9.57M	9.58M	9.23M	8.09M	8.09M	8.09M	8.68M	8.68M
Accumulated OCI	252.07M	245.75M	217.93M	387.59M	443.31M	518.92M	518.08M	526.88M	580.44M	556.02M
Return on Equity (ROE)	0.06%	0.05%	0.12%	0.18%	0.08%	0.13%	0.13%	0.05%	0.14%	0.18%
Return on Assets (ROA)	0.05%	0.04%	0.1%	0.14%	0.05%	0.08%	0.08%	0.03%	0.08%	0.11%
Equity / Assets	-	-	-	-	-	-	-	-	-	-
Debt / Equity	-	-	-	-	0.10x	0.10x	0.12x	0.10x	0.13x	0.08x
Book Value per Share	1141.48	1126.44	1264.95	885.47	748.07	727.72	729.84	644.58	868.32	982.98
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	281.3M	87.85M	152.13M	76.19M	178.32M	402.3M	126.2M	137.75M	101.79M	142.85M
Operating CF Growth %	0.08%	-0.69%	0.73%	-0.5%	1.34%	1.26%	-0.69%	0.09%	-0.26%	0.4%
Operating CF / Revenue %	-	-	-	-	-	-	-	-	-	-
Net Income	215.48M	167.64M	68.2M	617.1M	192.55M	276.18M	259.94M	85.72M	289.1M	309.47M
Depreciation & Amortization	29.95M	33.72M	47.28M	26.78M	17.22M	17.94M	18.39M	19.47M	34.05M	29.31M
Stock-Based Compensation	17.65M	4.94M	0	0	393K	-393K	0	461K	17.09M	38.59M
Deferred Taxes	-1.07M	-14.74M	9.51M	-18.74M	4.47M	15.78M	23.91M	27.84M	14.54M	111.5M
Other Non-Cash Items	-50.55M	-129.48M	-39.98M	-323.86M	239.28M	103.97M	117.96M	179.22M	-23.58M	-313.45M
Working Capital Changes	69.83M	25.76M	-12.11M	222.55M	-275.6M	-11.17M	-293.99M	-174.97M	-229.42M	-32.57M
Cash from Investing+	-1.12B	-732.61M	-23.72M	1.57B	11.96M	325.34M	450.4M	-127.56M	-234.31M	-436.59M
Capital Expenditures	-6.66M	-11.88M	-3.21M	-3.31M	-19.69M	-15.25M	-30.79M	-77.75M	-13M	-8.45M
Acquisitions	2.55M	4.24M	-3.14M	30K	7.04M	50K	312K	-21.57M	18.45M	-50.39M
Purchase of Investments	-2.31B	-9.52B	-11.06B	-11.38B	-7.5B	-7.95B	-8.18B	-3.09B	-4.54B	-1.85B
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Other Investing	183.86M	-59.95M	-458.39M	482.05M	47K	274K	18.7M	-177.5M	69.61M	-680.68M
Cash from Financing+	-143.71M	-216.57M	47.56M	-1.66B	-792.11M	-638.81M	-260.3M	-20.37M	86.18M	-64.39M
Dividends Paid	0	0	-137.22M	-47.52M	-435.07M	-388.5M	-242.52M	-52.07M	0	0
Share Repurchases	-6.28M	0	0	-1.57B	-484.01M	0	0	-3.98M	-40.56M	-5.74M
Stock Issued	241.52K	0	201.09M	31.18M	15.99M	0	0	0	0	93K
Debt Issuance (Net)	0	0	0	0	0	0	0	1000K	1000K	-1000K
Other Financing	-137.43M	-216.57M	-16.31M	2.58M	126.98M	-250.31M	-17.78M	3K	7.22M	-29.42M
Net Change in Cash+	-977.7M	-858.87M	165.05M	409.13M	-582.56M	84.49M	306.42M	-8.31M	-46.21M	-356.26M
Exchange Rate Effect	1000K	1000K	-1000K	-1000K	1000K	-1000K	-1000K	1000K	138K	1000K
Cash at Beginning	2.11B	1.13B	273.98M	439.03M	848.17M	265.61M	350.1M	656.52M	648.21M	602M
Cash at End	1.13B	273.98M	439.03M	848.17M	265.61M	350.1M	656.52M	648.21M	602M	245.74M
Free Cash Flow+	274.64M	15.96M	131.23M	501.06M	158.64M	387.05M	95.41M	60.01M	88.79M	134.4M
FCF Growth %	0.08%	-0.94%	7.22%	2.82%	-0.68%	1.44%	-0.75%	-0.37%	0.48%	0.51%
FCF Margin %	-	-	-	-	-	-	-	-	-	-
FCF per Share	91.3	5.28	41.62	161.53	58.05	144.1	35.52	22.34	32.98	50.22

Key Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Combined Ratio	98.84%	100.21%	93.32%	87.74%	87.34%	90.75%	90.77%	93.94%	93.88%	124.1%
Medical Cost Ratio	75.5%	76.09%	74.83%	67.58%	67.01%	67.74%	64.66%	64.55%	67.08%	61.52%
Return on Equity (ROE)	6.21%	4.59%	12.15%	18.11%	7.89%	13.42%	12.82%	5.43%	13.79%	18.32%
Return on Assets (ROA)	5.41%	3.81%	10.01%	14.18%	5.17%	8.23%	7.94%	3.17%	7.86%	11.09%
Equity / Assets	85.53%	80.31%	84.18%	71.04%	59.42%	63.44%	60.47%	56.04%	57.7%	63.37%
Book Value / Share	1.14K	1.13K	1.26K	885.47	748.07	727.72	729.84	644.58	868.32	982.98
Debt / Equity	-	-	-	-	0.10x	0.10x	0.12x	0.10x	0.13x	0.08x
Revenue Growth	14.38%	66.03%	0.14%	-15.1%	6.76%	-11.81%	0.09%	-14.96%	14.98%	-43.45%

Frequently Asked Questions

Valuation & Price

AIFU Inc. (AIFU) has a price-to-earnings (P/E) ratio of 2.3x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

AIFU Inc. (AIFU) saw revenue decline by 43.4% over the past year.

Yes, AIFU Inc. (AIFU) is profitable, generating $280.5M in net income for fiscal year 2024 (25.2% net margin).

Dividend & Returns

AIFU Inc. (AIFU) has a return on equity (ROE) of 18.3%. This is reasonable for most industries.

Industry Metrics

AIFU Inc. (AIFU) has a combined ratio of 124.1%. A ratio above 100% means claims and expenses exceed premiums.

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