AIFU Inc. (AIFU) Financial Ratios
21 years of historical data (2005–2025) · Financial Services · Insurance - Specialty
EV/EBITDA
N/A
—
5yr avg: N/A
P/FCF
N/A
—
5yr avg: 17.52
30Y Low17.5·High17.5
P/B Ratio
↑
7.17
↑+601% vs avg
5yr avg: 1.02
30Y Low0.9·High1.2
ROE
↓
-146.7%
↑-661% vs avg
5yr avg: -19.3%
30Y Low-147%·High21%
Debt/EBITDA
↑
N/A
—
5yr avg: 0.97
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. currently has a negative P/E ratio, indicating the company is operating at a loss on a trailing-twelve-month basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $584M | $543M | $2.4B | — | — | — | — | — | — | — | — |
| Enterprise Value | $593M | $599M | $2.4B | — | — | — | — | — | — | — | — |
| P/E Ratio → | -1.49 | — | 5.18 | — | — | — | — | — | — | — | — |
| P/S Ratio | 7.10 | 0.98 | 1.30 | — | — | — | — | — | — | — | — |
| P/B Ratio | 7.17 | 1.15 | 0.90 | — | — | — | — | — | — | — | — |
| P/FCF | — | — | 17.52 | — | — | — | — | — | — | — | — |
| P/OCF | — | — | 16.49 | — | — | — | — | — | — | — | — |
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 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.08 | 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 -287.3%, below the Financial Services sector average of 20.3%. Operating margins have compressed from 6.1% to -287.3% over the past 3 years, signaling potential cost pressures or competitive headwinds. A negative ROE of -146.7% indicates the company is currently destroying shareholder equity.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 49.3% | 49.3% | 38.5% | 32.9% | 35.4% | 35.3% | 32.3% | 33.0% | 32.4% | 25.2% | 23.9% |
| Operating Margin | -287.3% | -287.3% | -24.1% | 6.1% | 6.1% | 9.2% | 9.2% | 12.7% | 12.3% | 6.7% | -0.2% |
| Net Profit Margin | -408.8% | -408.8% | 25.2% | 8.8% | 3.6% | 7.7% | 8.2% | 5.1% | 17.6% | 11.0% | 3.8% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -146.7% | -146.7% | 18.3% | 13.8% | 5.4% | 12.8% | 13.4% | 7.9% | 18.1% | 12.2% | 4.6% |
| ROA | -80.1% | -80.1% | 11.1% | 7.9% | 3.2% | 7.9% | 8.2% | 5.2% | 14.2% | 10.0% | 3.8% |
| ROIC | -75.6% | -75.6% | -13.8% | 8.5% | 8.5% | 12.8% | 11.4% | 17.4% | 11.4% | 6.0% | -0.2% |
| ROCE | -73.5% | -73.5% | -13.7% | 7.6% | 7.5% | 13.5% | 13.0% | 17.2% | 12.1% | 7.2% | -0.2% |
AIFU Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Net debt stands at $56M ($87M total debt minus $31M cash).
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.18 | 0.18 | 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 | — | 0.12 | 0.01 | -0.10 | -0.23 | -0.17 | -0.02 | 0.01 | -0.28 | -0.09 | -0.07 |
| Net Debt / EBITDA | — | — | — | -1.00 | -2.10 | -1.05 | -0.13 | 0.05 | -1.71 | -1.14 | -9.38 |
| Debt / FCF | — | — | 0.11 | -2.58 | -6.59 | -3.52 | -0.11 | 0.16 | -1.54 | -2.77 | -14.85 |
| Interest Coverage | -611.73 | -611.73 | — | — | — | — | — | — | — | — | — |
AIFU Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
A current ratio of 1.18x means AIFU Inc. can comfortably meet its short-term obligations, though there is limited excess liquidity. The current ratio has declined from 2.32x to 1.18x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 1.18 | 1.18 | 2.50 | 2.32 | 2.41 | 2.49 | 2.49 | 2.83 | 3.38 | 6.24 | 4.95 |
| Quick Ratio | 1.18 | 1.18 | 2.50 | 2.32 | 2.41 | 2.49 | 2.49 | 2.83 | 3.38 | 6.24 | 4.95 |
| Cash Ratio | 0.07 | 0.07 | 1.01 | 1.51 | 0.96 | 1.58 | 1.67 | 1.88 | 2.57 | 4.32 | 4.06 |
| Asset Turnover | — | 0.36 | 0.44 | 0.79 | 0.90 | 1.01 | 1.06 | 1.08 | 0.90 | 0.86 | 0.96 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
AIFU Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
AIFU Inc. does not currently pay a dividend and has no material buyback yield, reinvesting earnings back into the business.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | 51.9% | 96.6% | 144.8% | 230.3% | 53.6% | 30.5% | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | — | — | 19.3% | — | — | — | — | — | — | — | — |
| FCF Yield | — | — | 5.7% | — | — | — | — | — | — | — | — |
| Buyback Yield | 0.0% | 0.0% | 0.2% | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 0.0% | 0.0% | 0.2% | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $10M | $5M | $5M | $5M | $5M | $5M | $5M | $6M | $6M | $6M |
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 | $584M | -1.5 | — | — | 49.3% | -287.3% | -146.7% | -75.6% | — |
 CLPS | $28M | -3.8 | — | — | 20.9% | -4.0% | -11.6% | -7.9% | — |
 RCON | $10M | -0.7 | — | — | 23.0% | -86.5% | -9.0% | -10.6% | — |
 JFIN | $209M | 6.5 | 7.9 | 2.3 | 77.9% | 28.9% | 5.7% | 4.9% | 2.7 |
 QFIN | $2B | 1.2 | 1.7 | 1.2 | 81.5% | 33.9% | 24.0% | 17.7% | 0.5 |
 FINV | $1B | 3.4 | 1.0 | 4.5 | 78.6% | 21.8% | 15.3% | 12.8% | 0.4 |
 CNF | $1M | -0.0 | — | 0.1 | 87.0% | -11.2% | -12.0% | -0.6% | — |
 NOAH | $143M | 1.8 | -3.5 | 1.2 | 53.4% | 29.8% | 5.6% | 5.8% | 0.1 |
 TIGR | $873M | 5.1 | -10.7 | 0.7 | 93.2% | 46.0% | 22.4% | 22.5% | 0.6 |
 FUTU | $13B | 9.5 | -0.0 | 2.6 | 87.1% | 61.6% | 33.1% | 22.3% | 1.3 |
 MSFT | $2.8T | 27.8 | 17.8 | 39.4 | 68.8% | 45.6% | 33.3% | 24.9% | 0.7 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 21 years · Updated daily
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AIFU — 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 -1.5x. The historical average is 5.2x.
What is AIFU Inc.'s ROE?
AIFU Inc.'s return on equity (ROE) is -146.7%. The historical average is 2.1%.
Is AIFU stock overvalued?
Based on historical data, AIFU Inc. is trading at a P/E of -1.5x. Compare with industry peers and growth rates for a complete picture.
What are AIFU Inc.'s profit margins?
AIFU Inc. has 49.3% gross margin and -287.3% operating margin.