AIFU Inc. (AIFU) is a publicly traded company in the Financial Services — Insurance - Brokers industry listed on NASDAQ. This overview shows the latest price, key valuation ratios, profitability metrics and financial-health indicators used by fundamental investors.
AIFU, 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.
Analysis Summary
AIFU Inc. reported revenue of $556.6M in the most recent fiscal year, growing at a 5-year CAGR of -29.8%.
Trailing-twelve-month margins: gross margin 49.3%, operating margin -287.3%, net margin -408.8%.
At the current price of $10.75, AIFU has negative trailing earnings (P/E not meaningful) and an ROE of -150.44%. Market capitalisation stands at $64M.
Balance sheet quality for AIFU: current ratio of 1.2, net debt of $50.5M. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Price
| Price | $10.75 |
| Market Cap | $64M |
| Exchange | NASDAQ |
| Country | CN |
Valuation Ratios
| Price / Book | 1.31 |
| EV / EBITDA | -0.30 |
| Dividend Yield | 0.00% |
Profitability
| Return on Equity | -150.44% |
| Return on Invested Capital | -147.09% |
| Return on Assets | -148.90% |
| Gross Margin | 49.28% |
| Operating Margin | -287.33% |
| Net Margin | -408.83% |
Financial Health
| Debt / Equity | 0.18 |
| Current Ratio | 1.18 |
| Piotroski F-Score | 2 |
| Altman Z-Score | -1.08 |
What to look at in Insurance
Insurers earn in 2 ways: underwriting well (combined ratio) and investing the float. Buffett built Berkshire that way.
- Op Margin 5y (Combined Ratio proxy) — Combined ratio proxy when FMP does not expose it. ≥10% 5y average = underwriting discipline (CR <100%)
- Book Value / Share growth — How Buffett measures Berkshire. The real value shareholders accumulate
- Debt / Equity — Leveraged insurers fail fast under catastrophes
- P/B (Price / Book) — Insurers are valued by book multiple. Here it is crossed with ROE (quality × valuation)
- Dividend growth streak — Consecutive years raising dividend per share — solid insurers stack decades
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| AIFU | AIFU Inc. | $64M | 1.31 | -150.4% | |
| MRSH | Marsh & McLennan Companies, Inc. | $84.4B | 21.64 | 5.64 | 26.5% |
| AON | Aon plc | $63.8B | 16.61 | 6.70 | 42.6% |
| 0ITL.L | Arthur J. Gallagher & Co. | $62.7B | 39.07 | 2.58 | 6.7% |
| AJG | Arthur J. Gallagher & Co. | $62.6B | 40.26 | 2.66 | 6.7% |
| 0Y4Q.L | Willis Towers Watson Public Limited Company | $30.0B | 19.27 | 3.84 | 20.0% |
| WTW | Willis Towers Watson Public Limited Company | $29.1B | 19.68 | 3.92 | 20.0% |
| BRO | Brown & Brown, Inc. | $22.0B | 18.20 | 1.74 | 9.6% |
Price Performance
| 1 month | -21.82% |
| 3 months | -78.20% |
| Year-to-date | -79.94% |
| 1 year | -91.01% |
52-Week Range
| 52-week High | $132.80 |
| 52-week Low | $9.50 |
| Avg Volume (90d) | 20K |
Dividend History
| Date | Amount | Yield |
|---|---|---|
| 2022-04-11 | $0.0075 | 0.28% |
| 2021-12-07 | $0.0075 | 0.28% |
| 2021-09-10 | $0.0075 | 0.28% |
| 2021-09-03 | $0.0075 | 0.28% |
| 2021-06-10 | $0.0075 | 0.28% |
| 2021-03-30 | $0.0125 | 0.47% |
| 2020-12-08 | $0.0125 | 0.47% |
| 2020-09-04 | $0.0125 | 0.47% |
| 2020-06-09 | $0.0125 | 0.47% |
| 2020-04-01 | $0.0150 | 0.56% |
Related companies: ALF · GSIW · MEGL · NCPL · OXBR · SHFS · TVE
Explore sector: Financial Services · Insurance - Brokers
More sections of AIFU: Financials · Valuation · Statistics · Estimates · Technical · Ownership · News · Events
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