AIFU Inc. (AIFU) Financial Ratios
20 years of historical data (2005–2024) · Financial Services · Insurance - Specialty
EV/EBITDA
N/A
—
5yr avg: N/A
P/FCF
9.52
↓-46% vs avg
5yr avg: 17.52
30Y Low17.5·High17.5
P/B Ratio
0.44
↓-50% vs avg
5yr avg: 0.90
30Y Low0.9·High0.9
ROE
↑
18.3%
↓+44% vs avg
5yr avg: 12.8%
30Y Low-9%·High21%
Debt/EBITDA
↑
N/A
—
5yr avg: 0.88
30Y Low0.0·High1.3
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
AIFU Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
AIFU Inc. trades at 374.8x earnings, 50% below its 5-year average of 756.0x, sitting at the 50th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.4x, the stock trades at a premium of 2704%. On a free-cash-flow basis, the stock trades at 9.5x P/FCF, 46% below the 5-year average of 17.5x.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $188M | $2.4B | — | — | — | — | — | — | — | — | — |
| Enterprise Value | $190M | $2.4B | — | — | — | — | — | — | — | — | — |
| P/E Ratio → | 374.82 | 756.01 | — | — | — | — | — | — | — | — | — |
| P/S Ratio | 0.71 | 1.30 | — | — | — | — | — | — | — | — | — |
| P/B Ratio | 0.44 | 0.90 | — | — | — | — | — | — | — | — | — |
| P/FCF | 9.52 | 17.52 | — | — | — | — | — | — | — | — | — |
| P/OCF | 8.96 | 16.48 | — | — | — | — | — | — | — | — | — |
P/E links to full P/E history page with 30-year chart
AIFU EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.31 | — | — | — | — | — | — | — | — | — |
| EV / EBITDA | — | — | — | — | — | — | — | — | — | — | — |
| EV / EBIT | — | — | — | — | — | — | — | — | — | — | — |
| EV / FCF | — | 17.63 | — | — | — | — | — | — | — | — | — |
AIFU Profitability
Margins and return-on-capital ratios measuring operating efficiency
AIFU Inc. earns an operating margin of -24.1%, below the Financial Services sector average of 21.2%. Operating margins have compressed from 6.1% to -24.1% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 18.3% indicates solid capital efficiency, compared to the sector median of 9.4%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 38.5% | 38.5% | 32.9% | 35.4% | 35.3% | 32.3% | 33.0% | 32.4% | 25.2% | 23.9% | 24.5% |
| Operating Margin | -24.1% | -24.1% | 6.1% | 6.1% | 9.2% | 9.2% | 12.7% | 12.3% | 6.7% | -0.2% | 1.2% |
| Net Profit Margin | 25.2% | 25.2% | 8.8% | 3.6% | 7.7% | 8.2% | 5.1% | 17.6% | 11.0% | 3.8% | 8.5% |
Return on Capital
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 18.3% | 18.3% | 13.8% | 5.4% | 12.8% | 13.4% | 7.9% | 18.1% | 12.2% | 4.6% | 6.2% |
| ROA | 11.1% | 11.1% | 7.9% | 3.2% | 7.9% | 8.2% | 5.2% | 14.2% | 10.0% | 3.8% | 5.4% |
| ROIC | -13.8% | -13.8% | 8.5% | 8.5% | 12.8% | 11.4% | 17.4% | 11.4% | 6.0% | -0.2% | 1.2% |
| ROCE | -13.7% | -13.7% | 7.6% | 7.5% | 13.5% | 13.0% | 17.2% | 12.1% | 7.2% | -0.2% | 0.8% |
AIFU Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Net debt stands at $14M ($206M total debt minus $192M cash).
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.08 | 0.08 | 0.13 | 0.10 | 0.12 | 0.10 | 0.10 | — | — | — | — |
| Debt / EBITDA | — | — | 1.27 | 0.92 | 0.71 | 0.63 | 0.40 | — | — | — | — |
| Net Debt / Equity | — | 0.01 | -0.10 | -0.23 | -0.17 | -0.02 | 0.01 | -0.28 | -0.09 | -0.07 | -0.32 |
| Net Debt / EBITDA | — | — | -1.00 | -2.10 | -1.05 | -0.13 | 0.05 | -1.71 | -1.14 | -9.38 | -19.10 |
| Debt / FCF | — | 0.11 | -2.58 | -6.59 | -3.52 | -0.11 | 0.16 | -1.54 | -2.77 | -14.85 | -4.06 |
| Interest Coverage | — | — | — | — | — | — | — | — | — | — | — |
AIFU Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
AIFU Inc.'s current ratio of 2.50x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 2.41x to 2.50x over the past 3 years.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 2.50 | 2.50 | 2.32 | 2.41 | 2.49 | 2.49 | 2.83 | 3.38 | 6.24 | 4.95 | 7.19 |
| Quick Ratio | 2.50 | 2.50 | 2.32 | 2.41 | 2.49 | 2.49 | 2.83 | 3.38 | 6.24 | 4.95 | 7.19 |
| Cash Ratio | 1.01 | 1.01 | 1.51 | 0.96 | 1.58 | 1.67 | 1.88 | 2.57 | 4.32 | 4.06 | 6.43 |
| Asset Turnover | — | 0.44 | 0.79 | 0.90 | 1.01 | 1.06 | 1.08 | 0.90 | 0.86 | 0.96 | 0.61 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
AIFU Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
AIFU Inc. returns 0.4% to shareholders annually primarily through share buybacks. The earnings yield of 0.3% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | 51.9% | 96.6% | 144.8% | 230.3% | 53.6% | 30.5% | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 0.3% | 0.1% | — | — | — | — | — | — | — | — | — |
| FCF Yield | 10.5% | 5.7% | — | — | — | — | — | — | — | — | — |
| Buyback Yield | 0.4% | 0.2% | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 0.4% | 0.2% | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $107M | $108M | $107M | $107M | $107M | $109M | $124M | $126M | $121M | $120M |
Peer Comparison
Compare AIFU with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 AIFUYou | $188M | 374.8 | — | 9.5 | 38.5% | -24.1% | 18.3% | -13.8% | — |
 CLPS | $26M | -3.6 | — | — | 20.9% | -4.0% | -11.6% | -7.9% | — |
 RCON | $18M | -1.3 | — | — | 23.0% | -86.5% | -9.0% | -10.6% | — |
 JFIN | $532M | 1.7 | 2.5 | 5.3 | 64.9% | 21.5% | 38.4% | 39.9% | 0.0 |
 QFIN | $4B | 2.2 | 3.1 | 2.9 | 61.8% | 43.9% | 27.1% | 23.1% | 0.2 |
 FINV | $3B | 3.9 | 5.9 | 7.0 | 79.3% | 19.4% | 16.2% | 12.9% | 0.0 |
 CNF | $1M | -0.0 | — | 0.1 | 87.0% | -11.2% | -12.0% | -0.6% | — |
 NOAH | $154M | 2.2 | -3.3 | 3.4 | 48.1% | 24.4% | 4.7% | 4.5% | 0.2 |
 TIGR | $676M | 19.3 | 3.1 | 0.8 | 65.0% | 35.6% | 10.5% | 13.8% | 1.2 |
 FUTU | $60B | 33.9 | 68.4 | 15.2 | 82.0% | 48.7% | 20.7% | 14.8% | 1.3 |
 MSFT | $3.1T | 30.3 | 19.4 | 42.9 | 68.8% | 45.6% | 33.3% | 24.9% | 0.7 |
| Financial Services Median | — | 13.4 | 11.4 | 10.6 | 63.4% | 21.2% | 9.4% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Includes 30+ ratios · 20 years · Updated daily
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Start ComparisonAIFU — Frequently Asked Questions
Quick answers to the most common questions about buying AIFU stock.
What is AIFU Inc.'s P/E ratio?
AIFU Inc.'s current P/E ratio is 374.8x. This places it at the 50th percentile of its historical range.
What is AIFU Inc.'s ROE?
AIFU Inc.'s return on equity (ROE) is 18.3%. The historical average is 9.6%.
Is AIFU stock overvalued?
Based on historical data, AIFU Inc. is trading at a P/E of 374.8x. This is at the 50th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What are AIFU Inc.'s profit margins?
AIFU Inc. has 38.5% gross margin and -24.1% operating margin.