Tian Ruixiang Holdings Ltd(TIRX)Earnings, Financials & Key Ratios
TIRX•NASDAQ•Insurance & Managed Care
$0.01
$240371 mkt cap·Price updated Apr 24, 2026
SectorFinancial ServicesIndustryInsurance BrokersSub-IndustryBroker consolidators and retail brokers
AboutTian Ruixiang Holdings Ltd, together its subsidiaries, operates as an insurance broker in China and the United States. The company distributes a range of insurance products, including property and casualty insurance, such as automobile insurance, commercial property insurance, liability insurance, and accidental insurance; and life insurance comprising individual and group life insurances. It serves individual or institutional customers. Tian Ruixiang Holdings Ltd was founded in 2010 and is headquartered in Beijing, China.Show more
- Revenue$3M+158.7%
- Combined Ratio244.29%-28.7%
- Net Income-$4M-62.5%
- Return on Equity-12.03%-61.5%
- Medical Cost Ratio52.85%+42.7%
- Operating Margin-144.29%+40.5%
- Net Margin-123.84%+37.2%
- ROA-10.57%-51.8%
- Equity / Assets84.77%-7.2%
- Book Value per Share1.03-59.8%
- Tangible BV/Share1.03-59.8%
- Debt/Equity0.03+1863.7%
TIRX Key Insights
Tian Ruixiang Holdings Ltd (TIRX) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Company is almost debt free
- ✓Low loss ratio of 52.9%
- ✓Trading at only 0.0x book value
✗Weaknesses
- ✗Unprofitable underwriting: 244.3% combined ratio
- ✗Weak Piotroski F-Score: 3/9
- ✗Weak momentum: RS Rating 0 (bottom 0%)
- ✗Shares diluted 100.0% 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.
TIRX Price & Volume
Tian Ruixiang Holdings Ltd (TIRX) stock price & volume — 10-year historical chart
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TIRX Growth Metrics
Tian Ruixiang Holdings Ltd (TIRX) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years9.96%
3 Years4.88%
TTM967.32%
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM-128.94%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM-461.74%
Return on Capital
10 Years19.09%
5 Years-7.92%
3 Years-12.35%
Last Year-13.98%
TIRX Peer Comparison
Tian Ruixiang Holdings Ltd (TIRX) competitors in Broker consolidators and retail brokers — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 ACMR | 3.67B | 55.38 | 40.42 | 15.24% | 10.44% | 6.11% | 0.16 | |
 RETO | 356.46K | 0.65 | -0.04 | -43.49% | -291.88% | -183.45% | 0.00 | |
 AIXI | 7.9M | 0.75 | -0.47 | 18.84% | -45.89% | |||
 CNET | 1.99M | 0.75 | -0.40 | -49.52% | -33.36% | -60.34% | 0.03 | |
 HUIZ | 861.68K | 1.70 | -9.05 | 4.46% | 1.35% | 4.21% | 0.21 | |
 GOCO | 12.75M | 1.01 | -1.53 | 8.74% | -26.96% | -64.38% | 1.15 | |
 HCI | 2B | 154.14 | 6.20 | 20.21% | 33.16% | 36.22% | 0.06 | |
 KC | 4.08B | 16.63 | -14.00 | 10.47% | -10.76% | -13.72% | 0.94 |
Compare TIRX vs Peers
Tian Ruixiang Holdings Ltd (TIRX) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
TIRX Income Statement
Tian Ruixiang Holdings Ltd (TIRX) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Oct'17 | Oct'18 | Oct'19 | Oct'20 | Oct'21 | Oct'22 | Oct'23 | Oct'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1.53M | 3.09M | 2M | 3.25M | 2.79M | 1.35M | 1.24M | 3.22M | 7.76M |
| Revenue Growth % | - | 101.65% | -35.16% | 62.29% | -14.12% | -51.56% | -7.96% | 158.74% | 967.32% |
| Medical Costs & Claims | 137.05K | 0 | 651.49K | 743.06K | 948.9K | 2.69M | 460.79K | 1.7M | -488.42K |
| Medical Cost Ratio % | 8.95% | 0% | 32.54% | 22.87% | 34% | 199.11% | 37.03% | 52.85% | -6.29% |
| Gross Profit | 1.39M▲ 0% | 3.09M▲ 121.5% | 1.35M▼ 56.3% | 2.51M▲ 85.6% | 1.84M▼ 26.5% | -1.34M▼ 172.7% | 783.46K▲ 158.5% | 1.52M▲ 93.7% | 1.79M▲ 0% |
| Gross Margin % | 91.05% | 100% | 67.46% | 77.13% | 66% | -99.11% | 62.97% | 47.15% | 23.01% |
| Gross Profit Growth % | - | 121.47% | -56.25% | 85.55% | -26.52% | -172.75% | 158.47% | 93.74% | - |
| Operating Expenses | 278.36K | 1.63M | 1.25M | 2.69M | 5.04M | 3.73M | 3.8M | 6.16M | 5.84M |
| OpEx / Revenue % | 18.18% | 52.74% | 62.33% | 82.76% | 180.76% | 275.84% | 305.39% | 191.44% | 75.19% |
| Depreciation & Amortization | 10.94K | 30.3K | 34.71K | 227.54K | 255.11K | 208.27K | 79.76K | 168.7K | 213.14K |
| Combined Ratio % | 27.13% | 52.74% | 94.87% | 105.63% | 214.77% | 474.94% | 342.42% | 244.29% | 68.9% |
| Operating Income | 1.12M▲ 0% | 1.46M▲ 30.8% | 102.67K▼ 93.0% | 560.14K▲ 445.6% | -2.25M▼ 502.4% | -5.07M▼ 124.9% | -3.02M▲ 40.5% | -4.65M▼ 54.0% | -2.46M▲ 0% |
| Operating Margin % | 72.87% | 47.26% | 5.13% | 17.24% | -80.76% | -374.94% | -242.42% | -144.29% | -31.74% |
| Operating Income Growth % | - | 30.78% | -92.96% | 445.58% | -502.36% | -124.9% | 40.49% | -54% | - |
| EBITDA | 1.13M | 1.49M | 137.38K | 787.68K | -2M | -4.86M | -2.94M | -4.48M | -2.25M |
| EBITDA Margin % | 73.59% | 48.24% | 6.86% | 24.24% | -71.62% | -359.54% | -236.01% | -139.05% | -28.99% |
| Interest Expense | 0 | 22.89K | 18.83K | 0 | 0 | 0 | 0 | 0 | 0 |
| Non-Operating Income | -15.76K | -50.3K | -330.16K | 0 | 0 | -123.65K | 0 | -1.68M | 0 |
| Pretax Income | 1.13M▲ 0% | 1.49M▲ 31.4% | 414K▼ 72.2% | 760.15K▲ 83.6% | -1.92M▼ 352.6% | -4.66M▼ 142.7% | -2.29M▲ 50.8% | -3.94M▼ 72.1% | -5.16M▲ 0% |
| Pretax Margin % | 73.9% | 48.15% | 20.68% | 23.39% | -68.8% | -344.74% | -184.26% | -122.53% | -66.44% |
| Income Tax | 168.25K | 365.19K | 238.21K | 126.06K | 24.53K | 23.64K | 161.34K | 42.12K | 293.05K |
| Effective Tax Rate % | 14.87% | 24.57% | 57.54% | 16.58% | -1.28% | -0.51% | -7.04% | -1.07% | -5.68% |
| Net Income | 963.32K▲ 0% | 1.12M▲ 16.4% | 175.79K▼ 84.3% | 634.1K▲ 260.7% | -1.94M▼ 406.7% | -4.68M▼ 140.9% | -2.45M▲ 47.6% | -3.99M▼ 62.5% | -858.88K▲ 0% |
| Net Margin % | 62.91% | 36.32% | 8.78% | 19.51% | -69.68% | -346.48% | -197.23% | -123.84% | -11.06% |
| Net Income Growth % | - | 16.41% | -84.32% | 260.72% | -406.66% | -140.89% | 47.61% | -62.47% | -128.94% |
| EPS (Diluted) | 0.24▲ 0% | 0.28▲ 16.4% | 0.04▼ 84.3% | 0.10▲ 125.0% | -0.28▼ 382.8% | -0.45▼ 60.7% | -0.19▲ 57.8% | -0.12▲ 36.8% | -0.02▲ 0% |
| EPS Growth % | - | 16.39% | -84.31% | 125% | -382.83% | -60.71% | 57.78% | 36.84% | -461.74% |
| EPS (Basic) | 0.24 | 0.28 | 0.04 | 0.16 | -0.28 | -0.45 | -0.19 | -0.12 | - |
| Diluted Shares Outstanding | 4M | 4M | 4M | 6.4M | 6.89M | 10.37M | 12.67M | 32.93M | 50M |
TIRX Balance Sheet
Tian Ruixiang Holdings Ltd (TIRX) balance sheet — assets, liabilities & shareholders' equity
| Line item | Oct'17 | Oct'18 | Oct'19 | Oct'20 | Oct'21 | Oct'22 | Oct'23 | Oct'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|
| Total Assets | 988.81K | 8.74M | 8.41M | 10.06M | 40.35M | 35.03M | 35.48M | 39.98M | 6.04M |
| Asset Growth % | - | 784.05% | -3.8% | 19.63% | 301.08% | -13.18% | 1.28% | 12.68% | -67.53% |
| Total Investment Assets | 0 | 0 | 0 | 0 | 0 | 26.18M | 26.8M | 28.09M | 3M |
| Long-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 | 26.18M | 26.8M | 28.09M | 27.77M |
| Total Current Assets | 678.37K | 8.45M | 8.09M | 9.56M | 31.63M | 34.86M | 27.62M | 39.92M | 37.82M |
| Cash & Equivalents | 96.1K | 6.71M | 6.24M | 6.14M | 30.02M | 2.51K | 2.38K | 297.29K | 196.88K |
| Receivables | 385.64K | 707.39K | 173.06K | 1.25M | 320.85K | 7.81M | 18.96K | 10.75M | 19.74M |
| Other Current Assets | 166.48K | 947.72K | 1.25M | 1.72M | 937.05K | 861.69K | 800.2K | 785.1K | 891.7K |
| Goodwill & Intangibles | 40.38K | 16.68K | 170.35K | 160.22K | 147.54K | 0 | 0 | 0 | 1.77M |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 40.38K | 16.68K | 170.35K | 160.22K | 147.54K | 0 | 0 | 0 | 0 |
| PP&E (Net) | 15.92K | 17.35K | 144.56K | 332.24K | 771.49K | 152.13K | 61.15K | 57.8K | 35.69K |
| Other Assets | 254.14K | 254.28K | 6.57K | 7.42K | 7.8M | 20.08K | 7.8M | 0 | 10.97M |
| Total Liabilities | 270.37K | 1.27M | 830.73K | 1.42M | 1.36M | 1.55M | 3.06M | 6.09M | 9.21M |
| Total Debt | 0 | 373.38K | 117.71K | 321.93K | 660.97K | 145.52K | 57.4K | 1.18M | 2.31M |
| Net Debt | -96.1K | -6.34M | -6.13M | -5.82M | -29.36M | 143.01K | 55.02K | 881.31K | 3.63M |
| Long-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 140.49K | 1.1M |
| Short-Term Debt | 0 | 373.38K | 0 | 0 | 0 | 0 | 0 | 983.42K | 1.09M |
| Total Current Liabilities | 270.37K | 1.27M | 790.61K | 1.29M | 1.12M | 1.49M | 3.06M | 5.92M | 3.29M |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deferred Revenue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -3.7M | 668.09K |
| Deferred Taxes | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Equity | 718.44K▲ 0% | 7.47M▲ 940.3% | 7.58M▲ 1.4% | 8.64M▲ 14.0% | 38.99M▲ 351.4% | 33.48M▼ 14.1% | 32.42M▼ 3.2% | 33.89M▲ 4.5% | -3.17M▲ 0% |
| Equity Growth % | - | 940.25% | 1.41% | 13.98% | 351.4% | -14.14% | -3.18% | 4.54% | -114.83% |
| Shareholders Equity | 718.44K | 7.47M | 7.58M | 8.64M | 38.99M | 33.48M | 32.42M | 33.89M | -3.17M |
| Minority Interest | 0 | 478 | 474 | 495 | 489 | 400 | 394 | 402 | 394 |
| Retained Earnings | -877.18K | 215.05K | 301.25K | 884.08K | -1.09M | -5.8M | -8.3M | -12.33M | -47M |
| Common Stock | 10K | 5K | 5K | 5K | 11.35K | 13.89K | 18.12K | 59.61K | 1K |
| Accumulated OCI | 130.84K | -438.46K | -419.3K | 52.67K | 296.36K | -3.39M | -3.41M | -2.6M | -920.73K |
| Return on Equity (ROE) | 134.09% | 27.38% | 2.34% | 7.82% | -8.16% | -12.93% | -7.45% | -12.03% | -3.6% |
| Return on Assets (ROA) | 97.42% | 23.05% | 2.05% | 6.87% | -7.71% | -12.43% | -6.96% | -10.57% | -14.23% |
| Equity / Assets | 72.66% | 85.49% | 90.12% | 85.87% | 96.64% | 95.58% | 91.37% | 84.77% | -52.54% |
| Debt / Equity | - | 0.05x | 0.02x | 0.04x | 0.02x | 0.00x | 0.00x | 0.03x | 0.03x |
| Book Value per Share | 0.18 | 1.87 | 1.89 | 1.35 | 5.66 | 3.23 | 2.56 | 1.03 | -0.06 |
| Tangible BV per Share | 0.17 | 1.86 | 1.85 | 1.32 | 5.64 | 3.23 | 2.56 | 1.03 | -0.06 |
TIRX Cash Flow Statement
Tian Ruixiang Holdings Ltd (TIRX) cash flow — operating, investing & free cash flow history
| Line item | Oct'17 | Oct'18 | Oct'19 | Oct'20 | Oct'21 | Oct'22 | Oct'23 | Oct'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 498.83K | 1.37M | 229.05K | -48.17K | -1.36M | -198.76K | 994.3K | 897.89K | 897.89K |
| Operating CF Growth % | - | 175.56% | -83.34% | -121.03% | -2731.57% | 85.43% | 600.25% | -9.7% | 501.88% |
| Operating CF / Revenue % | 32.58% | 44.52% | 11.44% | -1.48% | -48.88% | -14.7% | 79.91% | 27.89% | 11.57% |
| Net Income | 963.32K | 1.12M | 175.79K | 634.1K | -1.94M | -4.68M | -2.45M | -3.99M | -858.88K |
| Depreciation & Amortization | 10.94K | 30.3K | 34.71K | 227.54K | 255.11K | 208.27K | 79.76K | 168.7K | 213.14K |
| Stock-Based Compensation | 0 | 0 | 0 | 0 | 0 | 2.89M | 1.45M | 2.82M | 739.55K |
| Deferred Taxes | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Cash Items | -2.13K | 31 | 0 | 0 | 696 | 123.65K | 8.18K | 1.68M | 5.13M |
| Working Capital Changes | -473.31K | 222.78K | 18.55K | -909.81K | 324.83K | 1.26M | 1.91M | 220.25K | 1.03M |
| Cash from Investing | -258.08K | -9.62K | 37.01K | -3.46K | -7.5M | -28.9M | -992.72K | -1.82M | -37.92M |
| Capital Expenditures | -41.34K | -9.62K | -12.01K | -3.46K | -3.41K | -2.35K | 0 | 0 | -1.12K |
| Acquisitions | -216.74K | 0 | 0 | 0 | 0 | 0 | 0 | 77.89K | 84.99K |
| Purchase of Investments | 0 | 0 | 0 | 0 | 0 | -29.01M | -27.78M | -28.14M | -27.78M |
| Sale/Maturity of Investments | 0 | 0 | 0 | 0 | 0 | 116.66K | 1000K | 1000K | -528.56K |
| Other Investing | 0 | 0 | 49.02K | 0 | -7.5M | 0 | -300K | -1.36M | -9.7M |
| Cash from Financing | 0 | 6.49M | -871.32K | -478.25K | 32.64M | 0 | -283 | 1.19M | 1.11M |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Stock Issued | 0 | 6.09M | -493.44K | -366.08K | 36.86M | 0 | 0 | 0 | 0 |
| Debt Issuance (Net) | 0 | 396.55K | -377.88K | -112.16K | -378.21K | 0 | -283 | 1000K | -75.29K |
| Other Financing | 0 | 6.09M | -493.44K | 0 | -3.84M | 0 | 0 | 0 | 1.19M |
| Net Change in Cash | 243.76K▲ 0% | 7.38M▲ 2927.8% | -660.85K▼ 109.0% | -43.09K▲ 93.5% | 23.92M▲ 55610.8% | -30.15M▼ 226.0% | -167▲ 100.0% | 301.16K▲ 180436.5% | -22.96M▲ 0% |
| Exchange Rate Effect | 3.01K | -471.03K | -55.59K | 486.78K | 145.01K | -1000K | -1.47K | 35.53K | -1.01M |
| Cash at Beginning | 3.19K | 246.95K | 7.63M | 6.97M | 6.92M | 30.84M | 695.24K | 695.08K | 996.24K |
| Cash at End | 246.95K | 7.63M | 6.97M | 6.92M | 30.84M | 695.24K | 695.08K | 996.24K | 269.18K |
| Free Cash Flow | 457.49K▲ 0% | 1.36M▲ 198.4% | 33.93K▼ 97.5% | -51.63K▼ 252.2% | -1.37M▼ 2548.6% | -201.11K▲ 85.3% | 994.3K▲ 594.4% | 897.89K▼ 9.7% | 1.66M▲ 0% |
| FCF Growth % | - | 198.35% | -97.51% | -252.17% | -2548.57% | 85.29% | 594.42% | -9.7% | 187.1% |
| FCF Margin % | 29.88% | 44.21% | 1.69% | -1.59% | -49% | -14.88% | 79.91% | 27.89% | 21.34% |
| FCF per Share | 0.11 | 0.34 | 0.01 | -0.01 | -0.2 | -0.02 | 0.08 | 0.03 | 0.03 |
TIRX Key Ratios
Tian Ruixiang Holdings Ltd (TIRX) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM |
|---|---|---|---|---|---|---|---|---|
| Combined Ratio | 52.74% | 94.87% | 105.63% | 214.77% | 474.94% | 342.42% | 244.29% | 68.9% |
| Medical Cost Ratio | 0% | 32.54% | 22.87% | 34% | 199.11% | 37.03% | 52.85% | -6.29% |
| Return on Equity (ROE) | 27.38% | 2.34% | 7.82% | -8.16% | -12.93% | -7.45% | -12.03% | -3.6% |
| Return on Assets (ROA) | 23.05% | 2.05% | 6.87% | -7.71% | -12.43% | -6.96% | -10.57% | -14.23% |
| Equity / Assets | 85.49% | 90.12% | 85.87% | 96.64% | 95.58% | 91.37% | 84.77% | -52.54% |
| Book Value / Share | 1.87 | 1.89 | 1.35 | 5.66 | 3.23 | 2.56 | 1.03 | -0.06 |
| Debt / Equity | 0.05x | 0.02x | 0.04x | 0.02x | 0.00x | 0.00x | 0.03x | 0.03x |
| Revenue Growth | 101.65% | -35.16% | 62.29% | -14.12% | -51.56% | -7.96% | 158.74% | 967.32% |
TIRX Frequently Asked Questions
Tian Ruixiang Holdings Ltd (TIRX) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Tian Ruixiang Holdings Ltd (TIRX) grew revenue by 158.7% over the past year. This is strong growth.
Tian Ruixiang Holdings Ltd (TIRX) reported a net loss of $0.9M for fiscal year 2024.
Dividend & Returns
Tian Ruixiang Holdings Ltd (TIRX) has a return on equity (ROE) of -12.0%. Negative ROE indicates the company is unprofitable.
Industry Metrics
Tian Ruixiang Holdings Ltd (TIRX) has a combined ratio of 244.3%. A ratio above 100% means claims and expenses exceed premiums.
Explore More TIRX
Tian Ruixiang Holdings Ltd (TIRX) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
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Dividend History
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Financial Ratios
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Valuation
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