AIFU Inc. (AIFU) fundamental analysis — strengths, weaknesses & financial health based on data analysis
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
AIFU Inc. (AIFU) stock price & volume — 10-year historical chart
AIFU Inc. (AIFU) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
AIFU Inc. (AIFU) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2024Latest | Mar 20, 2024 | $0.07 | $85M |
| Q3 2023 | Aug 30, 2023 | $0.20 | $156M |
| Q2 2023 | May 30, 2023 | $0.16 | $120M |
| Q2 2023 | Mar 13, 2023 | $0.19vs $0.71-73.3% | $111M |
AIFU Inc. (AIFU) competitors in Insurance Distribution and MGA Services — business model, growth, and fundamentals comparison
AIFU Inc. (AIFU) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
AIFU Inc. (AIFU) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 4.08B | 4.09B | 3.47B | 3.71B | 3.27B | 3.27B | 2.78B | 3.2B | 1.81B | 3.2B |
| Revenue Growth % | 66.03% | 0.14% | -15.1% | 6.76% | -11.81% | 0.09% | -14.96% | 14.98% | -43.45% | 14.98% |
| Medical Costs & Claims | 3.11B | 3.06B | 2.35B | 2.48B | 2.21B | 2.12B | 1.8B | 2.15B | 1.11B | 2.15B |
| Medical Cost Ratio % | 76.09% | 74.83% | 67.58% | 67.01% | 67.74% | 64.66% | 64.55% | 67.08% | 61.52% | 67.08% |
| Gross Profit | 976.28M▲ 0% | 1.03B▲ 5.4% | 1.13B▲ 9.3% | 1.22B▲ 8.6% | 1.05B▼ 13.8% | 1.16B▲ 9.6% | 986.01M▼ 14.7% | 1.05B▲ 6.8% | 695.97M▼ 33.9% | 1.05B▲ 0% |
| Gross Margin % | 23.91% | 25.17% | 32.42% | 32.99% | 32.26% | 35.34% | 35.45% | 32.92% | 38.48% | 32.92% |
| Gross Profit Growth % | 62.04% | 5.41% | 9.35% | 8.65% | -13.76% | 9.64% | -14.7% | 6.79% | -33.9% | - |
| Operating Expenses | 984.75M | 755.93M | 699.5M | 753.19M | 752.09M | 854.04M | 817.34M | 857.15M | 1.13B | 857.15M |
| OpEx / Revenue % | 24.12% | 18.49% | 20.15% | 20.32% | 23.01% | 26.11% | 29.38% | 26.8% | 62.57% | 26.8% |
| Depreciation & Amortization | 33.72M | 47.28M | 26.78M | 17.22M | 17.94M | 18.39M | 19.47M | 34.05M | 29.31M | 0 |
| Combined Ratio % | 100.21% | 93.32% | 87.74% | 87.34% | 90.75% | 90.77% | 93.94% | 93.88% | 124.1% | 93.88% |
| Operating Income | -8.47M▲ 0% | 273.14M▲ 3326.3% | 425.74M▲ 55.9% | 469.36M▲ 10.2% | 302.19M▼ 35.6% | 301.9M▼ 0.1% | 168.68M▼ 44.1% | 195.82M▲ 16.1% | -435.84M▼ 322.6% | 195.82M▲ 0% |
| Operating Margin % | -0.21% | 6.68% | 12.26% | 12.66% | 9.25% | 9.23% | 6.06% | 6.12% | -24.1% | 6.12% |
| Operating Income Growth % | -129.76% | 3326.27% | 55.87% | 10.25% | -35.62% | -0.09% | -44.13% | 16.1% | -322.57% | - |
| EBITDA | 25.26M | 320.41M | 452.52M | 486.58M | 320.13M | 320.29M | 188.15M | 229.88M | -406.54M | 175.32M |
| EBITDA Margin % | 0.62% | 7.84% | 13.04% | 13.13% | 9.8% | 9.79% | 6.76% | 7.19% | -22.48% | 5.48% |
| Interest Expense | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 5.39M |
| Non-Operating Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -404.12M | 20.5M |
| Pretax Income | 172.34M▲ 0% | 614.04M▲ 256.3% | 841.68M▲ 37.1% | 336.37M▼ 60.0% | 359.56M▲ 6.9% | 350.51M▼ 2.5% | 126.74M▼ 63.8% | 348.5M▲ 175.0% | 408.19M▲ 17.1% | 348.5M▲ 0% |
| Pretax Margin % | 4.22% | 15.02% | 24.25% | 9.08% | 11% | 10.72% | 4.56% | 10.9% | 22.57% | 10.9% |
| Income Tax | 27.25M | 167.8M | 224.59M | 143.82M | 83.39M | 90.57M | 41.02M | 59.4M | 98.72M | 59.4M |
| Effective Tax Rate % | 15.81% | 27.33% | 26.68% | 42.76% | 23.19% | 25.84% | 32.36% | 17.05% | 24.18% | 17.05% |
| Net Income | 157.05M▲ 0% | 449.23M▲ 186.0% | 609.91M▲ 35.8% | 188.93M▼ 69.0% | 268.25M▲ 42.0% | 250.99M▼ 6.4% | 100.27M▼ 60.0% | 280.48M▲ 179.7% | 454.96M▲ 62.2% | 280.48M▲ 0% |
| Net Margin % | 3.85% | 10.99% | 17.57% | 5.1% | 8.21% | 7.67% | 3.6% | 8.77% | 25.15% | 8.77% |
| Net Income Growth % | -25.25% | 186.05% | 35.77% | -69.02% | 41.98% | -6.44% | -60.05% | 179.72% | 62.21% | 179.72% |
| EPS (Diluted) | 0.07▲ 0% | 0.18▲ 176.9% | 0.25▲ 38.9% | 0.09▼ 66.0% | 0.13▲ 52.9% | 2.30▲ 1669.2% | 0.90▼ 60.9% | 2.60▲ 188.9% | 0.03▼ 98.9% | 2.62▲ 0% |
| EPS Growth % | -23.53% | 176.92% | 38.89% | -66% | 52.94% | 1669.23% | -60.87% | 188.89% | -98.88% | 131.25% |
| EPS (Basic) | 0.07 | 0.18 | 0.25 | 0.09 | 0.13 | 2.30 | 0.90 | 2.60 | 0.03 | - |
| Diluted Shares Outstanding | 120.88M | 126.12M | 124.08M | 109.32M | 107.44M | 107.44M | 107.44M | 107.68M | 107.04M | 107.04M |
AIFU Inc. (AIFU) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | 4.24B | 4.74B | 3.87B | 3.44B | 3.08B | 3.24B | 3.09B | 4.05B | 4.15B | 4.05B |
| Asset Growth % | 5.58% | 11.78% | -18.39% | -11.01% | -10.46% | 5.23% | -4.71% | 31.12% | 2.47% | 145.47% |
| Total Investment Assets | 3.09B | 2.9B | 2.14B | 1.98B | 1.67B | 1.21B | 351.79M | 1.18B | 1.79B | 4M |
| Long-Term Investments | 294.58M | 404.78M | 587.52M | 363.41M | 357.66M | 335.81M | 4.04M | 156.89M | 1.16B | 167.36M |
| Short-Term Investments | 2.8B | 2.5B | 1.55B | 1.61B | 1.31B | 870.68M | 347.75M | 1.02B | 629.22M | 1.02B |
| Total Current Assets | 3.69B | 4.13B | 3.06B | 2.68B | 2.31B | 2.27B | 2.29B | 2.38B | 2.04B | 2.38B |
| Cash & Equivalents | 236.95M | 363.75M | 772.82M | 169.65M | 245.43M | 564.62M | 567.52M | 521.54M | 192.12M | 521.54M |
| Receivables | 565.06M | 215.12M | 567.51M | 707.8M | 588.78M | 657.41M | 898.6M | 699.22M | 1.14B | 3.56B |
| Other Current Assets | 76.19M | 119.15M | 134.33M | 150.94M | 125.13M | 78.3M | 7.12M | 57.44M | 35.99M | 57.44M |
| Goodwill & Intangibles | 181.55M | 127.08M | 111.13M | 110.19M | 109.91M | 109.87M | 110M | 432.46M | 0 | 1.87B |
| Goodwill | 122.08M | 109.87M | 109.87M | 109.87M | 109.87M | 109.87M | 110M | 374.15M | 0 | 374.15M |
| Intangible Assets | 59.47M | 17.21M | 1.26M | 322K | 44K | 0 | 0 | 58.32M | 0 | 58.32M |
| PP&E (Net) | 31.34M | 26.07M | 37.93M | 231.24M | 237.18M | 272.48M | 243.54M | 227.72M | 153.2M | 227.72M |
| Other Assets | 28.26M | 45.19M | 59.6M | 46.92M | 54.43M | 239.17M | 417.96M | 817.51M | 791.97M | 817.51M |
| Total Liabilities | 834.47M | 749.35M | 162.88M | 1.4B | 1.13B | 1.28B | 1.36B | 1.71B | 1.52B | 1.71B |
| Total Debt | 0 | 0 | 0 | 194.73M | 202.97M | 228.95M | 172.17M | 292.77M | 206.49M | 292.77M |
| Net Debt | -236.95M | -363.75M | -772.82M | 25.07M | -42.45M | -335.68M | -395.35M | -228.76M | 14.37M | -228.76M |
| Long-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Short-Term Debt | 0 | 0 | 0 | 11.49M | 13.22M | 13.65M | 35.68M | 164.3M | 134.98M | 164.3M |
| Total Current Liabilities | 747.12M | 661.86M | 905.58M | 947.97M | 929.21M | 908.67M | 951.98M | 1.02B | 816.88M | 1.02B |
| Accounts Payable | 240.95M | 203.02M | 332.69M | 382.88M | 377.39M | 335.72M | 362.35M | 251.25M | 113.27M | 251.25M |
| Deferred Revenue | 19.28M | 14.07M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 80.08M | 0 | 0 | -11.49M | -13.22M | -13.65M | 0 | 0 | 20.65M | 0 |
| Deferred Taxes | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 574.81M |
| Other Liabilities | 72.78M | 70.35M | 208.68M | 337.25M | 67.22M | 171.08M | 229.56M | 469.13M | 450.54M | 469.13M |
| Total Equity | 3.4B▲ 0% | 3.99B▲ 17.2% | 2.75B▼ 31.1% | 2.04B▼ 25.6% | 1.95B▼ 4.4% | 1.96B▲ 0.3% | 1.73B▼ 11.7% | 2.34B▲ 35.0% | 2.63B▲ 12.5% | 2.34B▲ 0% |
| Equity Growth % | -0.86% | 17.16% | -31.13% | -25.57% | -4.39% | 0.29% | -11.68% | 35.01% | 12.53% | 132.88% |
| Shareholders Equity | 3.29B | 3.88B | 2.63B | 1.93B | 1.83B | 1.84B | 1.62B | 2.07B | 2.55B | 2.07B |
| Minority Interest | 117.24M | 111.34M | 113.54M | 113.18M | 121.11M | 122.48M | 107.93M | 266.25M | 83.94M | 266.25M |
| Retained Earnings | 1.02B | 1.47B | 1.8B | 1.48B | 1.31B | 1.31B | 1.09B | 1.32B | 1.79B | 1.32B |
| Common Stock | 8.66M | 9.57M | 9.58M | 9.23M | 8.09M | 8.09M | 8.09M | 8.68M | 8.68M | 8.68M |
| Accumulated OCI | 245.75M | 217.93M | 387.59M | 443.31M | 518.92M | 518.08M | 526.88M | 580.44M | 556.02M | 580.44M |
| Return on Equity (ROE) | 4.59% | 12.15% | 18.11% | 7.89% | 13.42% | 12.82% | 5.43% | 13.79% | 18.32% | 12.24% |
| Return on Assets (ROA) | 3.81% | 10.01% | 14.18% | 5.17% | 8.23% | 7.94% | 3.17% | 7.86% | 11.09% | 6.96% |
| Equity / Assets | 80.31% | 84.18% | 71.04% | 59.42% | 63.44% | 60.47% | 56.04% | 57.7% | 63.37% | 57.7% |
| Debt / Equity | - | - | - | 0.10x | 0.10x | 0.12x | 0.10x | 0.13x | 0.08x | 0.08x |
| Book Value per Share | 28.16 | 31.62 | 22.14 | 18.70 | 18.19 | 18.25 | 16.11 | 21.71 | 24.57 | 21.84 |
| Tangible BV per Share | 26.66 | 30.62 | 21.24 | 17.69 | 17.17 | 17.22 | 15.09 | 17.69 | 24.57 | 17.80 |
AIFU Inc. (AIFU) cash flow — operating, investing & free cash flow history
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 87.85M | 152.13M | 76.19M | 178.32M | 402.3M | 126.2M | 137.75M | 101.79M | 142.85M | 142.85M |
| Operating CF Growth % | -68.77% | 73.17% | -49.92% | 134.06% | 125.6% | -68.63% | 9.16% | -26.11% | 40.34% | -16.48% |
| Operating CF / Revenue % | 2.15% | 3.72% | 2.19% | 4.81% | 12.31% | 3.86% | 4.95% | 3.18% | 7.9% | 4.47% |
| Net Income | 167.64M | 68.2M | 617.1M | 192.55M | 276.18M | 259.94M | 85.72M | 289.1M | 309.47M | 280.48M |
| Depreciation & Amortization | 33.72M | 47.28M | 26.78M | 17.22M | 17.94M | 18.39M | 19.47M | 34.05M | 29.31M | 0 |
| Stock-Based Compensation | 4.94M | 0 | 0 | 393K | -393K | 0 | 461K | 17.09M | 38.59M | 0 |
| Deferred Taxes | -14.74M | 9.51M | -18.74M | 4.47M | 15.78M | 23.91M | 27.84M | 14.54M | 111.5M | 0 |
| Other Non-Cash Items | -129.48M | -39.98M | -323.86M | 239.28M | 103.97M | 117.96M | 179.22M | -23.58M | -313.45M | 126.21M |
| Working Capital Changes | 25.76M | -12.11M | 222.55M | -275.6M | -11.17M | -293.99M | -174.97M | -229.42M | -32.57M | -229.42M |
| Cash from Investing | -732.61M | -23.72M | 1.57B | 11.96M | 325.34M | 450.4M | -127.56M | -234.31M | -436.59M | -234.31M |
| Capital Expenditures | -11.88M | -3.21M | -3.31M | -19.69M | -15.25M | -30.79M | -77.75M | -13M | -8.45M | -1.83M |
| Acquisitions | 4.24M | -3.14M | 30K | 7.04M | 50K | 312K | -21.57M | 18.45M | -50.39M | 11.23M |
| Purchase of Investments | -9.52B | -11.06B | -11.38B | -7.5B | -7.95B | -8.18B | -3.09B | -4.54B | -1.85B | -4.54B |
| Sale/Maturity of Investments | 8.83B | 11.53B | 12.49B | 7.52B | 8.29B | 8.65B | 3.24B | 4.23B | 2.15B | 3.44B |
| Other Investing | -59.95M | -458.39M | 482.05M | 47K | 274K | 18.7M | -177.5M | 69.61M | -680.68M | 65.5M |
| Cash from Financing | -216.57M | 47.56M | -1.66B | -792.11M | -638.81M | -260.3M | -20.37M | 86.18M | -64.39M | 86.18M |
| Dividends Paid | 0 | -137.22M | -47.52M | -435.07M | -388.5M | -242.52M | -52.07M | 0 | 0 | 0 |
| Share Repurchases | 0 | 0 | -1.57B | -484.01M | 0 | 0 | -3.98M | -40.56M | -5.74M | -40.56M |
| Stock Issued | 0 | 201.09M | 31.18M | 15.99M | 0 | 0 | 0 | 0 | 93K | 0 |
| Debt Issuance (Net) | 0 | 0 | 0 | 0 | 0 | 0 | 1000K | 1000K | -1000K | -2M |
| Other Financing | -216.57M | -16.31M | 2.58M | 126.98M | -250.31M | -17.78M | 3K | 7.22M | -29.42M | 7.22M |
| Net Change in Cash | -858.87M▲ 0% | 165.05M▲ 119.2% | 409.13M▲ 147.9% | -582.56M▼ 242.4% | 84.49M▲ 114.5% | 306.42M▲ 262.7% | -8.31M▼ 102.7% | -46.21M▼ 456.0% | -356.26M▼ 671.0% | -46.21M▲ 0% |
| Exchange Rate Effect | 2.46M | -10.91M | -17.77M | 19.26M | -4.33M | -9.88M | 1.87M | 138K | 1.87M | 138K |
| Cash at Beginning | 1.13B | 273.98M | 439.03M | 848.17M | 265.61M | 350.1M | 656.52M | 648.21M | 602M | 633.01M |
| Cash at End | 273.98M | 439.03M | 848.17M | 265.61M | 350.1M | 656.52M | 648.21M | 602M | 245.74M | 602M |
| Free Cash Flow | 15.96M▲ 0% | 131.23M▲ 722.2% | 501.06M▲ 281.8% | 158.64M▼ 68.3% | 387.05M▲ 144.0% | 95.41M▼ 75.3% | 60.01M▼ 37.1% | 88.79M▲ 48.0% | 134.4M▲ 51.4% | 88.79M▲ 0% |
| FCF Growth % | -94.19% | 722.18% | 281.83% | -68.34% | 143.98% | -75.35% | -37.11% | 47.97% | 51.37% | 47.97% |
| FCF Margin % | 0.39% | 3.21% | 14.43% | 4.28% | 11.84% | 2.92% | 2.16% | 2.78% | 7.43% | 2.78% |
| FCF per Share | 0.13 | 1.04 | 4.04 | 1.45 | 3.6 | 0.89 | 0.56 | 0.82 | 1.26 | 1.26 |
AIFU Inc. (AIFU) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Combined Ratio | 100.21% | 93.32% | 87.74% | 87.34% | 90.75% | 90.77% | 93.94% | 93.88% | 124.1% | 93.88% |
| Medical Cost Ratio | 76.09% | 74.83% | 67.58% | 67.01% | 67.74% | 64.66% | 64.55% | 67.08% | 61.52% | 67.08% |
| Return on Equity (ROE) | 4.59% | 12.15% | 18.11% | 7.89% | 13.42% | 12.82% | 5.43% | 13.79% | 18.32% | 12.24% |
| Return on Assets (ROA) | 3.81% | 10.01% | 14.18% | 5.17% | 8.23% | 7.94% | 3.17% | 7.86% | 11.09% | 6.96% |
| Equity / Assets | 80.31% | 84.18% | 71.04% | 59.42% | 63.44% | 60.47% | 56.04% | 57.7% | 63.37% | 57.7% |
| Book Value / Share | 28.16 | 31.62 | 22.14 | 18.7 | 18.19 | 18.25 | 16.11 | 21.71 | 24.57 | 21.84 |
| Debt / Equity | - | - | - | 0.10x | 0.10x | 0.12x | 0.10x | 0.13x | 0.08x | 0.08x |
| Revenue Growth | 66.03% | 0.14% | -15.1% | 6.76% | -11.81% | 0.09% | -14.96% | 14.98% | -43.45% | 14.98% |
AIFU Inc. (AIFU) stock FAQ — growth, dividends, profitability & financials explained
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).
AIFU Inc. (AIFU) has a return on equity (ROE) of 18.3%. This is reasonable for most industries.
AIFU Inc. (AIFU) has a combined ratio of 124.1%. A ratio above 100% means claims and expenses exceed premiums.
AIFU Inc. (AIFU) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates