AIFU Inc.(AIFU)Earnings, Financials & Key Ratios
AIFU•NASDAQ•Insurance & Managed Care
$36.00
Price updated Jul 7, 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 Price & Volume
AIFU Inc. (AIFU) stock price & volume — 10-year historical chart
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Structural Revenue Decay Masks Deep Operational Distress
Investment Thesis • Updated 2023Q4
VerdictNegative: The company's fundamental instability is underscored by a 21.4% revenue decline and a negative OCF/NI ratio of -2.03
Growth:Contracting
Profitability:Negative
Financial:Vulnerable
Cash Flow:Burning
Primary Risk:Structural Revenue Model Collapse
Key Thesis Takeaways
- AIFU faces a precarious outlook as its legacy insurance distribution model experiences a 21.4% year-over-year revenue contraction, signaling potential structural obsolescence.
- The company's aggressive pivot toward AI-integrated services appears to be a defensive reaction to mounting underwriting pressures, evidenced by a 97.3% combined ratio in 2023Q4.
- Investors should remain cautious as the firm continues to fund share buybacks of $16.5 million despite reporting a net loss of $27.2 million, raising significant concerns regarding long-term capital sustainability.
Verdict Logic
suggesting that current capital allocation strategies are not supported by core operational performance.
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
●Beat EPS 0/9 qtrs (0%)
Q4 2024Latest
Sep 18, 2024Metric
Actual
Est
EPS
$0.25
—
Rev
$155M
—
Q2 2024
Mar 20, 2024Metric
Actual
Est
EPS
$1.44
—
Rev
$85M
—
Q4 2023
Nov 20, 2023Metric
Actual
Est
EPS
$8.71
—
Rev
$87M
—
Q3 2023
Aug 30, 2023Metric
Actual
Est
EPS
$3.92
—
Rev
$156M
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q4 2024Latest | Sep 18, 2024 | $0.25 | $155M |
| Q2 2024 | Mar 20, 2024 | $1.44 | $85M |
| Q4 2023 | Nov 20, 2023 | $8.71 | $87M |
| Q3 2023 | Aug 30, 2023 | $3.92 | $156M |
Based on last 9 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for AIFU Inc. (AIFU)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $36.00 | $426.65M | -1.09 | -69.23% | -408.83% | -146.72% | — | |
| $0.84 | $24.98M | -3.23 | 15.17% | -3.05% | -15.02% | — | |
| $0.40 | $8M | -0.58 | -3.73% | -64.25% | -9.15% | — | |
| $2.98 | $154.86M | 4.87 | -85.08% | 24.72% | 37.66% | — | |
| $14.51 | $1.89B | 1.15 | 8.83% | 33.86% | 24.95% | — | |
| $4.71 | $1.17B | 3.42 | 1.03% | 18.75% | 6.05% | — |
Compare AIFU vs Peers
AIFU Inc. (AIFU) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
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AIFU Frequently Asked Questions
AIFU Inc. (AIFU) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is AIFU Inc. growing?
AIFU Inc. (AIFU) saw revenue decline by 69.2% over the past year.
Is AIFU profitable?
Yes, AIFU Inc. (AIFU) is profitable, generating $280.5M in net income for fiscal year 2025 (-408.8% net margin).
Dividend & Returns
What is AIFU's return on equity?
AIFU Inc. (AIFU) has a return on equity (ROE) of -146.7%. Negative ROE indicates the company is unprofitable.
Industry Metrics
What is AIFU Inc.'s combined ratio?
AIFU Inc. (AIFU) has a combined ratio of 387.3%. A ratio above 100% means claims and expenses exceed premiums.