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AIFU logoAIFU Inc.(AIFU)Earnings, Financials & Key Ratios

AIFU•NASDAQ•Insurance & Managed Care
$1.60
$188M mkt cap·374.8× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustrySpecialty InsuranceSub-IndustryInsurance Distribution and MGA 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 Ratio124.1%+32.2%
  • Net Income$455M+62.2%
  • Return on Equity18.32%+32.9%
  • Medical Cost Ratio61.52%-8.3%
  • Operating Margin-24.1%-493.5%
  • Net Margin25.15%+186.8%
  • ROA11.09%+41.2%
  • Equity / Assets63.37%+9.8%
  • Book Value per Share24.57+13.2%
  • Tangible BV/Share24.57+38.9%
  • Debt/Equity0.08-37.3%
Technical→

AIFU Key Insights

AIFU Inc. (AIFU) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Company is almost debt free
  • ✓Strong 5Y profit CAGR of 19.2%
  • ✓Strong Piotroski F-Score: 7/9
  • ✓Trading at only 0.4x book value

✗Weaknesses

  • ✗Unprofitable underwriting: 124.1% combined ratio
  • ✗Weak momentum: RS Rating 5 (bottom 5%)
  • ✗Trading more than 30% below 52-week high

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

AIFU Price & Volume

AIFU Inc. (AIFU) stock price & volume — 10-year historical chart

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AIFU Growth Metrics

AIFU Inc. (AIFU) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years-1.71%
5 Years-13.36%
3 Years-17.92%
TTM14.98%

Profit CAGR

10 Years10.89%
5 Years19.22%
3 Years21.93%
TTM179.72%

EPS CAGR

10 Years-9.62%
5 Years-19.3%
3 Years-76.7%
TTM131.25%

Return on Capital

10 Years6.5%
5 Years5.58%
3 Years0.48%
Last Year-13.7%

AIFU Recent Earnings

AIFU Inc. (AIFU) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 0/7 qtrs (0%)
Q2 2024Latest
Mar 20, 2024
EPS
$0.07
Revenue
$85M
Q3 2023
Aug 30, 2023
EPS
$0.20
Revenue
$156M
Q2 2023
May 30, 2023
EPS
$0.16
Revenue
$120M
Q2 2023
Mar 13, 2023
EPS
$0.19
Est $0.71
-73.3%
Revenue
$111M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2024LatestMar 20, 2024
$0.07
$85M
Q3 2023Aug 30, 2023
$0.20
$156M
Q2 2023May 30, 2023
$0.16
$120M
Q2 2023Mar 13, 2023
$0.19vs $0.71-73.3%
$111M
Based on last 7 quarters of dataView full earnings history →

AIFU Peer Comparison

AIFU Inc. (AIFU) competitors in Insurance Distribution and MGA Services — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
CLPS logoCLPSCLPS IncorporationDirect Competitor25.89M0.93-3.5615.17%-1.27%-6.06%0.59
RCON logoRCONRecon Technology, Ltd.Direct Competitor17.7M0.89-1.29-3.73%-64.25%-9.15%0.08
JFIN logoJFINJiayin Group Inc.Direct Competitor532.44M4.931.696.11%26.17%39.74%0.02
QFIN logoQFINQfin Holdings, Inc.Direct Competitor3.9B13.752.245.38%28.76%0.07
FINV logoFINVFinVolution GroupDirect Competitor2.96B5.223.933.69%17.43%0.00
CNF logoCNFCNFinance Holdings LimitedProduct Competitor1.03M3.06-0.02-60.88%-1.25%1.18
NOAH logoNOAHNoah Holdings LimitedProduct Competitor154.19M10.942.21-21.06%6.6%0.01
TIGR logoTIGRUP Fintech Holding Ltd. Sponsored ADR Class AProduct Competitor676.45M6.9319.2543.68%17.64%0.27

Compare AIFU vs Peers

AIFU Inc. (AIFU) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs CLPS

Most directly comparable listed peer for AIFU.

Scale Benchmark

vs GOOGL

Larger-name benchmark to compare AIFU against a more recognizable public peer.

Peer Set

Compare Top 5

vs CLPS, RCON, JFIN, QFIN

AIFU Income Statement

AIFU Inc. (AIFU) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'16Dec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24TTM
Revenue4.08B4.09B3.47B3.71B3.27B3.27B2.78B3.2B1.81B3.2B
Revenue Growth %66.03%0.14%-15.1%6.76%-11.81%0.09%-14.96%14.98%-43.45%14.98%
Medical Costs & Claims3.11B3.06B2.35B2.48B2.21B2.12B1.8B2.15B1.11B2.15B
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 Expenses984.75M755.93M699.5M753.19M752.09M854.04M817.34M857.15M1.13B857.15M
OpEx / Revenue %24.12%18.49%20.15%20.32%23.01%26.11%29.38%26.8%62.57%26.8%
Depreciation & Amortization33.72M47.28M26.78M17.22M17.94M18.39M19.47M34.05M29.31M0
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%-
EBITDA25.26M320.41M452.52M486.58M320.13M320.29M188.15M229.88M-406.54M175.32M
EBITDA Margin %0.62%7.84%13.04%13.13%9.8%9.79%6.76%7.19%-22.48%5.48%
Interest Expense0000000005.39M
Non-Operating Income00000000-404.12M20.5M
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 Tax27.25M167.8M224.59M143.82M83.39M90.57M41.02M59.4M98.72M59.4M
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)0.070.180.250.090.132.300.902.600.03-
Diluted Shares Outstanding120.88M126.12M124.08M109.32M107.44M107.44M107.44M107.68M107.04M107.04M

AIFU Balance Sheet

AIFU Inc. (AIFU) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'16Dec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24TTM
Total Assets4.24B4.74B3.87B3.44B3.08B3.24B3.09B4.05B4.15B4.05B
Asset Growth %5.58%11.78%-18.39%-11.01%-10.46%5.23%-4.71%31.12%2.47%145.47%
Total Investment Assets3.09B2.9B2.14B1.98B1.67B1.21B351.79M1.18B1.79B4M
Long-Term Investments294.58M404.78M587.52M363.41M357.66M335.81M4.04M156.89M1.16B167.36M
Short-Term Investments2.8B2.5B1.55B1.61B1.31B870.68M347.75M1.02B629.22M1.02B
Total Current Assets3.69B4.13B3.06B2.68B2.31B2.27B2.29B2.38B2.04B2.38B
Cash & Equivalents236.95M363.75M772.82M169.65M245.43M564.62M567.52M521.54M192.12M521.54M
Receivables565.06M215.12M567.51M707.8M588.78M657.41M898.6M699.22M1.14B3.56B
Other Current Assets76.19M119.15M134.33M150.94M125.13M78.3M7.12M57.44M35.99M57.44M
Goodwill & Intangibles181.55M127.08M111.13M110.19M109.91M109.87M110M432.46M01.87B
Goodwill122.08M109.87M109.87M109.87M109.87M109.87M110M374.15M0374.15M
Intangible Assets59.47M17.21M1.26M322K44K0058.32M058.32M
PP&E (Net)31.34M26.07M37.93M231.24M237.18M272.48M243.54M227.72M153.2M227.72M
Other Assets28.26M45.19M59.6M46.92M54.43M239.17M417.96M817.51M791.97M817.51M
Total Liabilities834.47M749.35M162.88M1.4B1.13B1.28B1.36B1.71B1.52B1.71B
Total Debt000194.73M202.97M228.95M172.17M292.77M206.49M292.77M
Net Debt-236.95M-363.75M-772.82M25.07M-42.45M-335.68M-395.35M-228.76M14.37M-228.76M
Long-Term Debt0000000000
Short-Term Debt00011.49M13.22M13.65M35.68M164.3M134.98M164.3M
Total Current Liabilities747.12M661.86M905.58M947.97M929.21M908.67M951.98M1.02B816.88M1.02B
Accounts Payable240.95M203.02M332.69M382.88M377.39M335.72M362.35M251.25M113.27M251.25M
Deferred Revenue19.28M14.07M00000000
Other Current Liabilities80.08M00-11.49M-13.22M-13.65M0020.65M0
Deferred Taxes1000K1000K1000K1000K1000K1000K1000K1000K1000K574.81M
Other Liabilities72.78M70.35M208.68M337.25M67.22M171.08M229.56M469.13M450.54M469.13M
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 Equity3.29B3.88B2.63B1.93B1.83B1.84B1.62B2.07B2.55B2.07B
Minority Interest117.24M111.34M113.54M113.18M121.11M122.48M107.93M266.25M83.94M266.25M
Retained Earnings1.02B1.47B1.8B1.48B1.31B1.31B1.09B1.32B1.79B1.32B
Common Stock8.66M9.57M9.58M9.23M8.09M8.09M8.09M8.68M8.68M8.68M
Accumulated OCI245.75M217.93M387.59M443.31M518.92M518.08M526.88M580.44M556.02M580.44M
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 / Assets80.31%84.18%71.04%59.42%63.44%60.47%56.04%57.7%63.37%57.7%
Debt / Equity---0.10x0.10x0.12x0.10x0.13x0.08x0.08x
Book Value per Share28.1631.6222.1418.7018.1918.2516.1121.7124.5721.84
Tangible BV per Share26.6630.6221.2417.6917.1717.2215.0917.6924.5717.80

AIFU Cash Flow Statement

AIFU Inc. (AIFU) cash flow — operating, investing & free cash flow history

Line itemDec'16Dec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24TTM
Cash from Operations87.85M152.13M76.19M178.32M402.3M126.2M137.75M101.79M142.85M142.85M
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 Income167.64M68.2M617.1M192.55M276.18M259.94M85.72M289.1M309.47M280.48M
Depreciation & Amortization33.72M47.28M26.78M17.22M17.94M18.39M19.47M34.05M29.31M0
Stock-Based Compensation4.94M00393K-393K0461K17.09M38.59M0
Deferred Taxes-14.74M9.51M-18.74M4.47M15.78M23.91M27.84M14.54M111.5M0
Other Non-Cash Items-129.48M-39.98M-323.86M239.28M103.97M117.96M179.22M-23.58M-313.45M126.21M
Working Capital Changes25.76M-12.11M222.55M-275.6M-11.17M-293.99M-174.97M-229.42M-32.57M-229.42M
Cash from Investing-732.61M-23.72M1.57B11.96M325.34M450.4M-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
Acquisitions4.24M-3.14M30K7.04M50K312K-21.57M18.45M-50.39M11.23M
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 Investments8.83B11.53B12.49B7.52B8.29B8.65B3.24B4.23B2.15B3.44B
Other Investing-59.95M-458.39M482.05M47K274K18.7M-177.5M69.61M-680.68M65.5M
Cash from Financing-216.57M47.56M-1.66B-792.11M-638.81M-260.3M-20.37M86.18M-64.39M86.18M
Dividends Paid0-137.22M-47.52M-435.07M-388.5M-242.52M-52.07M000
Share Repurchases00-1.57B-484.01M00-3.98M-40.56M-5.74M-40.56M
Stock Issued0201.09M31.18M15.99M000093K0
Debt Issuance (Net)0000001000K1000K-1000K-2M
Other Financing-216.57M-16.31M2.58M126.98M-250.31M-17.78M3K7.22M-29.42M7.22M
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 Effect2.46M-10.91M-17.77M19.26M-4.33M-9.88M1.87M138K1.87M138K
Cash at Beginning1.13B273.98M439.03M848.17M265.61M350.1M656.52M648.21M602M633.01M
Cash at End273.98M439.03M848.17M265.61M350.1M656.52M648.21M602M245.74M602M
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 Share0.131.044.041.453.60.890.560.821.261.26

AIFU Key Ratios

AIFU Inc. (AIFU) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric201620172018201920202021202220232024TTM
Combined Ratio100.21%93.32%87.74%87.34%90.75%90.77%93.94%93.88%124.1%93.88%
Medical Cost Ratio76.09%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 / Assets80.31%84.18%71.04%59.42%63.44%60.47%56.04%57.7%63.37%57.7%
Book Value / Share28.1631.6222.1418.718.1918.2516.1121.7124.5721.84
Debt / Equity---0.10x0.10x0.12x0.10x0.13x0.08x0.08x
Revenue Growth66.03%0.14%-15.1%6.76%-11.81%0.09%-14.96%14.98%-43.45%14.98%

AIFU Frequently Asked Questions

AIFU Inc. (AIFU) stock FAQ — growth, dividends, profitability & financials explained

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.

Explore More AIFU

AIFU Inc. (AIFU) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

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Revenue History

Sales growth patterns & revenue breakdown

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Financial Ratios

30 years of market, efficiency and balance-sheet ratios

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Valuation

DCF intrinsic value, peer multiples & estimates

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