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

AIFU•NASDAQ•Insurance & Managed Care
Price updated Jun 19, 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$557M-69.2%
  • Combined Ratio387.33%+212.1%
  • Net Income-$2.28B-600.1%
  • Return on Equity-146.72%-901.1%
  • Medical Cost Ratio50.72%-17.6%
  • Operating Margin-287.33%-1092.5%
  • Net Margin-408.83%-1725.4%
  • ROA-80.13%-822.3%
  • Equity / Assets30.83%-51.3%

AIFU Key Insights

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

✓Strengths

  • ✓Momentum leader: RS Rating 80 (top 20%)
  • ✓Low loss ratio of 50.7%

✗Weaknesses

  • ✗Unprofitable underwriting: 387.3% combined ratio
  • ✗Weak Piotroski F-Score: 2/9
  • ✗Shares diluted 89.3% in last year
  • ✗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.

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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-13.81%
5 Years-29.82%
3 Years-41.51%
TTM14.98%

Profit CAGR

10 Years-
5 Years-
3 Years-
TTM179.72%

EPS CAGR

10 Years-
5 Years-
3 Years-
TTM188.89%

Return on Capital

10 Years-0.93%
5 Years-11.73%
3 Years-26.55%
Last Year-73.52%

AIFU Recent Earnings

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

Full history →
●Beat EPS 0/9 qtrs (0%)
Q4 2024Latest
Sep 18, 2024
Metric
Actual
Est
EPS
$0.25
—
Rev
$155M
—
Q2 2024
Mar 20, 2024
Metric
Actual
Est
EPS
$1.44
—
Rev
$85M
—
Q4 2023
Nov 20, 2023
Metric
Actual
Est
EPS
$8.71
—
Rev
$87M
—
Q3 2023
Aug 30, 2023
Metric
Actual
Est
EPS
$3.92
—
Rev
$156M
—
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q4 2024LatestSep 18, 2024
$0.25
$155M
Q2 2024Mar 20, 2024
$1.44
$85M
Q4 2023Nov 20, 2023
$8.71
$87M
Q3 2023Aug 30, 2023
$3.92
$156M
Based on last 9 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
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
CLPS logoCLPSCLPS IncorporationDirect Competitor27.8M0.99-3.8215.17%-1.27%-6.06%0.59
RCON logoRCONRecon Technology, Ltd.Direct Competitor10.03M0.50-0.72-3.73%-64.25%-9.15%0.08
JFIN logoJFINJiayin Group Inc.Direct Competitor209.42M4.016.52-85.08%24.72%37.66%0.16
QFIN logoQFINQfin Holdings, Inc.Direct Competitor1.98B15.211.208.83%33.86%24.95%0.16
FINV logoFINVFinVolution GroupDirect Competitor1.18B4.673.381.03%18.75%6.05%0.08
CNF logoCNFCNFinance Holdings LimitedProduct Competitor1.04M3.09-0.02-60.88%-14.04%-1.25%1.18
NOAH logoNOAHNoah Holdings LimitedProduct Competitor143.46M10.191.790.36%21.46%5.63%0.01
TIGR logoTIGRUP Fintech Holding Ltd. Sponsored ADR Class AProduct Competitor873.3M4.715.1256.74%24.18%17.64%0.20

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
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Revenue
4.09B3.47B3.71B3.27B3.27B2.78B3.2B1.81B556.57M3.2B
Revenue Growth %
0.14%-15.1%6.76%-11.81%0.09%-14.96%14.98%-43.45%-69.23%14.98%
Medical Costs & Claims
3.06B2.35B2.48B2.21B2.12B1.8B2.15B1.11B282.3M2.15B
Medical Cost Ratio %
74.83%67.58%67.01%67.74%64.66%64.55%67.08%61.52%50.72%67.08%
Gross Profit
1.03B▲ 0%
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%
274.27M▼ 60.6%
1.05B▲ 0%
Gross Margin %
25.17%32.42%32.99%32.26%35.34%35.45%32.92%38.48%49.28%32.92%
Gross Profit Growth %
5.41%9.35%8.65%-13.76%9.64%-14.7%6.79%-33.9%-60.59%-
Operating Expenses
755.93M699.5M753.19M752.09M854.04M817.34M857.15M1.13B1.87B857.15M
OpEx / Revenue %
18.49%20.15%20.32%23.01%26.11%29.38%26.8%62.57%336.61%26.8%
Depreciation & Amortization
47.28M26.78M17.22M17.94M18.39M19.47M34.05M29.31M5.33M0
Combined Ratio %
93.32%87.74%87.34%90.75%90.77%93.94%93.88%124.1%387.33%93.88%
Operating Income
273.14M▲ 0%
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%
-1.6B▼ 266.9%
195.82M▲ 0%
Operating Margin %
6.68%12.26%12.66%9.25%9.23%6.06%6.12%-24.1%-287.33%6.12%
Operating Income Growth %
3326.27%55.87%10.25%-35.62%-0.09%-44.13%16.1%-322.57%-266.92%-
EBITDA
320.41M452.52M486.58M320.13M320.29M188.15M229.88M-406.54M-1.59B175.32M
EBITDA Margin %
7.84%13.04%13.13%9.8%9.79%6.76%7.19%-22.48%-286.37%5.48%
Interest Expense
000000003.71M5.39M
Non-Operating Income
0000000-404.12M670.35M20.5M
Pretax Income
614.04M▲ 0%
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%
-2.27B▼ 656.9%
348.5M▲ 0%
Pretax Margin %
15.02%24.25%9.08%11%10.72%4.56%10.9%22.57%-408.44%10.9%
Income Tax
167.8M224.59M143.82M83.39M90.57M41.02M59.4M98.72M4.02M59.4M
Effective Tax Rate %
27.33%26.68%42.76%23.19%25.84%32.36%17.05%24.18%-0.18%17.05%
Net Income
449.23M▲ 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%
-2.28B▼ 600.1%
280.48M▲ 0%
Net Margin %
10.99%17.57%5.1%8.21%7.67%3.6%8.77%25.15%-408.83%8.77%
Net Income Growth %
186.05%35.77%-69.02%41.98%-6.44%-60.05%179.72%62.21%-600.13%179.72%
EPS (Diluted)
72.00▲ 0%
98.00▲ 36.1%
34.00▼ 65.3%
50.00▲ 47.1%
0.12▼ 99.8%
18.00▲ 14900.0%
52.00▲ 188.9%
85.00▲ 63.5%
-224.53▼ 364.2%
52.40▲ 0%
EPS Growth %
176.92%36.11%-65.31%47.06%-99.76%14900%188.89%63.46%-364.15%188.89%
EPS (Basic)
72.0098.0034.0050.000.120.0552.0085.31-224.53-
Diluted Shares Outstanding
6.31M6.2M5.47M5.37M5.37M5.37M5.38M5.35M10.13M5.35M

AIFU Balance Sheet

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

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Total Assets
4.74B3.87B3.44B3.08B3.24B3.09B4.05B4.15B1.53B4.05B
Asset Growth %
11.78%-18.39%-11.01%-10.46%5.23%-4.71%31.12%2.47%-63.19%145.47%
Total Investment Assets
2.9B2.14B1.98B1.67B1.21B351.79M1.18B1.79B367.01M4M
Long-Term Investments
404.78M587.52M363.41M357.66M335.81M4.04M156.89M1.16B361.82M167.36M
Short-Term Investments
2.5B1.55B1.61B1.31B870.68M347.75M1.02B629.22M5.2M1.02B
Total Current Assets
4.13B3.06B2.68B2.31B2.27B2.29B2.38B2.04B603.78M2.38B
Cash & Equivalents
363.75M772.82M169.65M245.43M564.62M567.52M521.54M192.12M31.09M521.54M
Receivables
215.12M567.51M707.8M588.78M657.41M898.6M699.22M1.14B549.58M3.56B
Other Current Assets
119.15M134.33M150.94M125.13M78.3M7.12M57.44M35.99M3.24M57.44M
Goodwill & Intangibles
127.08M111.13M110.19M109.91M109.87M110M432.46M001.87B
Goodwill
109.87M109.87M109.87M109.87M109.87M110M374.15M00374.15M
Intangible Assets
17.21M1.26M322K44K0058.32M0058.32M
PP&E (Net)
26.07M37.93M231.24M237.18M272.48M243.54M227.72M153.2M96.47M227.72M
Other Assets
45.19M59.6M46.92M54.43M239.17M417.96M817.51M791.97M457.13M817.51M
Total Liabilities
749.35M162.88M1.4B1.13B1.28B1.36B1.71B1.52B1.06B1.71B
Total Debt
00194.73M202.97M228.95M172.17M292.77M206.49M86.77M292.77M
Net Debt
-363.75M-772.82M25.07M-42.45M-335.68M-395.35M-228.76M14.37M55.68M-228.76M
Long-Term Debt
0000000000
Short-Term Debt
0011.49M13.22M13.65M35.68M164.3M134.98M56M164.3M
Total Current Liabilities
661.86M905.58M947.97M929.21M908.67M951.98M1.02B816.88M512.16M1.02B
Accounts Payable
203.02M332.69M382.88M377.39M335.72M362.35M251.25M113.27M81.09M251.25M
Deferred Revenue
14.07M000000000
Other Current Liabilities
00-11.49M-13.22M-13.65M0020.65M12.13M0
Deferred Taxes
1000K1000K1000K1000K1000K1000K1000K1000K1000K574.81M
Other Liabilities
70.35M208.68M337.25M67.22M171.08M229.56M469.13M450.54M342.12M469.13M
Total Equity
3.99B▲ 0%
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%
471.14M▼ 82.1%
2.34B▲ 0%
Equity Growth %
17.16%-31.13%-25.57%-4.39%0.29%-11.68%35.01%12.53%-82.09%132.88%
Shareholders Equity
3.88B2.63B1.93B1.83B1.84B1.62B2.07B2.55B478.52M2.07B
Minority Interest
111.34M113.54M113.18M121.11M122.48M107.93M266.25M83.94M-7.38M266.25M
Retained Earnings
1.47B1.8B1.48B1.31B1.31B1.09B1.32B1.79B-235.47M1.32B
Common Stock
9.57M9.58M9.23M8.09M8.09M8.09M8.68M8.68M60.25M8.68M
Accumulated OCI
217.93M387.59M443.31M518.92M518.08M526.88M580.44M556.02M251.81M580.44M
Return on Equity (ROE)
12.15%18.11%7.89%13.42%12.82%5.43%13.79%18.32%-146.72%12.24%
Return on Assets (ROA)
10.01%14.18%5.17%8.23%7.94%3.17%7.86%11.09%-80.13%6.96%
Equity / Assets
84.18%71.04%59.42%63.44%60.47%56.04%57.7%63.37%30.83%57.7%
Debt / Equity
--0.10x0.10x0.12x0.10x0.13x0.08x0.18x0.13x
Book Value per Share
632.46442.72374.02363.90364.96322.27434.18491.4246.50436.71
Tangible BV per Share
612.31424.80353.86343.44344.51301.80353.86491.4246.50355.92

AIFU Cash Flow Statement

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

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash from Operations
152.13M76.19M178.32M402.3M126.2M137.75M101.79M142.85M-16.27M101.79M
Operating CF Growth %
73.17%-49.92%134.06%125.6%-68.63%9.16%-26.11%40.34%-111.39%-16.48%
Operating CF / Revenue %
3.72%2.19%4.81%12.31%3.86%4.95%3.18%7.9%-2.92%3.18%
Net Income
68.2M617.1M192.55M276.18M259.94M85.72M289.1M309.47M-2.27B280.48M
Depreciation & Amortization
47.28M26.78M17.22M17.94M18.39M19.47M34.05M29.31M5.33M0
Stock-Based Compensation
00393K-393K0461K17.09M38.59M17M0
Deferred Taxes
9.51M-18.74M4.47M15.78M23.91M27.84M14.54M111.5M-15.7M0
Other Non-Cash Items
-39.98M-323.86M239.28M103.97M117.96M179.22M-23.58M-313.45M2.3B126.21M
Working Capital Changes
-12.11M222.55M-275.6M-11.17M-293.99M-174.97M-229.42M-32.57M-48.37M-229.42M
Cash from Investing
-23.72M1.57B11.96M325.34M450.4M-127.56M-234.31M-436.59M-111.38M-234.31M
Capital Expenditures
-3.21M-3.31M-19.69M-15.25M-30.79M-77.75M-13M-8.45M-3.34M-1.83M
Acquisitions
-3.14M30K7.04M50K312K-21.57M18.45M-50.39M-143.13M11.23M
Purchase of Investments
-11.06B-11.38B-7.5B-7.95B-8.18B-3.09B-4.54B-1.85B-49.94M-4.54B
Sale/Maturity of Investments
11.53B12.49B7.52B8.29B8.65B3.24B4.23B2.15B85.07M3.44B
Other Investing
-458.39M482.05M47K274K18.7M-177.5M69.61M-680.68M-37K65.5M
Cash from Financing
47.56M-1.66B-792.11M-638.81M-260.3M-20.37M86.18M-64.39M-71.6M86.18M
Dividends Paid
-137.22M-47.52M-435.07M-388.5M-242.52M-52.07M0000
Share Repurchases
0-1.57B-484.01M00-3.98M-40.56M-5.74M0-40.56M
Stock Issued
201.09M31.18M15.99M000093K7.37M0
Debt Issuance (Net)
000001000K1000K-1000K-1000K-2M
Other Financing
-16.31M2.58M126.98M-250.31M-17.78M3K7.22M-29.42M07.22M
Net Change in Cash
165.05M▲ 0%
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%
-195.49M▲ 45.1%
-46.21M▲ 0%
Exchange Rate Effect
-10.91M-17.77M19.26M-4.33M-9.88M1.87M138K1.87M3.77M138K
Cash at Beginning
273.98M439.03M848.17M265.61M350.1M656.52M648.21M602M245.74M633.01M
Cash at End
439.03M848.17M265.61M350.1M656.52M648.21M602M245.74M50.26M602M
Free Cash Flow
131.23M▲ 0%
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%
-19.61M▼ 114.6%
88.79M▲ 0%
FCF Growth %
722.18%281.83%-68.34%143.98%-75.35%-37.11%47.97%51.37%-114.59%47.97%
FCF Margin %
3.21%14.43%4.28%11.84%2.92%2.16%2.78%7.43%-3.52%2.78%
FCF per Share
20.8180.7629.0272.0617.7611.1716.4925.11-1.9416.59

AIFU Key Ratios

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

Metric201720182019202020212022202320242025TTM
Combined Ratio
93.32%87.74%87.34%90.75%90.77%93.94%93.88%124.1%387.33%93.88%
Medical Cost Ratio
74.83%67.58%67.01%67.74%64.66%64.55%67.08%61.52%50.72%67.08%
Return on Equity (ROE)
12.15%18.11%7.89%13.42%12.82%5.43%13.79%18.32%-146.72%12.24%
Return on Assets (ROA)
10.01%14.18%5.17%8.23%7.94%3.17%7.86%11.09%-80.13%6.96%
Equity / Assets
84.18%71.04%59.42%63.44%60.47%56.04%57.7%63.37%30.83%57.7%
Book Value / Share
632.46442.72374.02363.9364.96322.27434.18491.4246.5436.71
Debt / Equity
--0.10x0.10x0.12x0.10x0.13x0.08x0.18x0.13x
Revenue Growth
0.14%-15.1%6.76%-11.81%0.09%-14.96%14.98%-43.45%-69.23%14.98%
Related:AIFU Dividend History·AIFU Revenue History·AIFU Price History·AIFU P/E History·AIFU Financial Ratios·AIFU Institutional Holders

AIFU Frequently Asked Questions

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

Growth & Financials

AIFU Inc. (AIFU) saw revenue decline by 69.2% over the past year.

Yes, AIFU Inc. (AIFU) is profitable, generating $280.5M in net income for fiscal year 2025 (-408.8% net margin).

Dividend & Returns

AIFU Inc. (AIFU) has a return on equity (ROE) of -146.7%. Negative ROE indicates the company is unprofitable.

Industry Metrics

AIFU Inc. (AIFU) has a combined ratio of 387.3%. A ratio above 100% means claims and expenses exceed premiums.

What if you invested $1,000 in AIFU back in 2005?

Total return calculator · dividends reinvested · 21+ years of data

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