Company Overview
AIFU Inc., through its subsidiary, distributes insurance products in China. The company provides life and health insurance products, such as individual whole life, individual health, individual annuity, individual term life, individual endowment life, and participating insurance products; and non-life insurance products primarily includes individual accident, travel, homeowner, indemnity medical, commercial property, cargo, hull, liability, construction and erection, and extended warranty insurance products. It also provides value-added services; elderly care services; healthcare services; and family governance services. In addition, the company operates FA app, an insurance sales and service platform; Fanhua RONS Assistant Digital Operating Platform, a digital marketing platform; Fanhua RONS Guanjia, a customer service platform; and WeCom that enables agents to directly interact with existing and potential customers. It serves customers through insurance sales and service group, insurance agencies and insurance brokerage firms, as well as sales and service outlets, individual sales agents, and in-house claims adjustors. The company was formerly known as AIX Inc. and changed its name to AIFU Inc. in April 2025. AIFU Inc. was founded in 1998 and is headquartered in Shenzhen, China. AIFU Inc. operates as a subsidiary of YS Management Company Limited.
Why Investors Should Care
Carries low leverage with a debt-to-equity ratio of 0.18.
Recent Developments
- Dec 2025 Revenue of $556.57M (-58.2% YoY); net profit $-2.28B.
- Trailing 12 Months Year-on-year growth — revenue -39.8%, earnings -600.1%.
- 5-Year Trend Long-term compounding — revenue CAGR -41.5%, profit CAGR -789.7%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | -41.51% |
| 1 Year: | -39.80% |
Compounded Profit Growth
| 5 Years: | -789.74% |
| 1 Year: | -600.13% |
Stock Price Performance
| 1 Year: | -86.19% |
| 6 Months: | -55.36% |
| 3 Months: | -66.80% |
| 1 Month: | -56.97% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMABelow
- Price vs 200-DMABelow
- RSI (14)32.93 · Neutral
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
No notable strengths flagged.
CONS
- Revenue declined at -41.5% CAGR over 5 years.
- Earnings shrank at -789.7% CAGR over 5 years.
- Trading 87.8% below its 52-week high.
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | AIFU AIFU Inc. FINANCIAL | 16.07 | -0.02 | $95.23M | 0.00% | - | -146.85% | -41.51% | -789.74% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 353.51 | 15.15 | $939.70B | 1.72% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 505.83 | 12.72 | $712.23B | 0.00% | - | 12.12% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 368.64 | 31.35 | $628.20B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 570.89 | 31.44 | $496.37B | 0.62% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPXR3KFINANCIAL | 62.39 | 14.41 | $436.28B | 2.04% | - | 11.20% | 3.14% | 4.27% |
| 7 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 757,791.00 | 12.71 | $370.14B | 0.00% | - | 12.12% | 7.60% | 10.02% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 106.26 | 15.18 | $363.70B | 3.65% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 216.24 | 17.48 | $339.62B | 2.26% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue | - | 2.78B | 2.76B | 1.33B | 556.57M |
| Cost of Revenue | - | 1.80B | 1.87B | 799.78M | 282.30M |
| Gross Profit | - | 986.01M | 891.78M | 532.00M | 274.27M |
| Operating Expenses | - | 817.34M | 721.78M | 622.14M | 1.87B |
| Operating Income | - | 168.68M | 170.00M | -90.14M | -1.60B |
| EBITDA | - | 188.15M | 392.87M | 433.93M | -2.26B |
| Interest Expense | - | - | 10.05M | 3.31M | 3.71M |
| Pretax Income | - | 196.34M | 348.77M | 401.31M | -2.27B |
| Tax Provision | - | 41.02M | 59.21M | 91.95M | 4.02M |
| Net Income | - | 100.27M | 280.48M | 454.96M | -2.28B |
| Diluted EPS | 1,840.00 | 720.00 | 2,080.00 | 3,399.80 | - |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Total Assets | - | 3.09B | 4.05B | 4.15B | 1.53B |
| Current Assets | - | 2.29B | 2.38B | 2.04B | 603.78M |
| Cash & Equivalents | - | 567.52M | 521.54M | 106.02M | 31.09M |
| Inventory | - | - | - | - | - |
| Receivables | - | 393.60M | 279.91M | 95.14M | 65.53M |
| Total Liabilities | - | 1.36B | 1.71B | 1.52B | 1.06B |
| Current Liabilities | - | 951.98M | 1.02B | 816.88M | 512.16M |
| Long Term Debt | - | - | - | - | - |
| Total Debt | - | 172.17M | 292.77M | 192.95M | 86.77M |
| Total Equity | - | 1.62B | 2.07B | 2.55B | 478.52M |
| Shares Outstanding | - | 134.10K | 144.86K | 144.91K | 671.76K |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | - | 137.75M | 101.79M | 142.85M | -16.27M |
| Investing Cash Flow | - | -127.56M | -234.31M | -436.59M | -111.38M |
| Financing Cash Flow | - | -20.37M | 86.18M | -64.39M | -71.60M |
| Capital Expenditure | - | -77.75M | -13.00M | -8.45M | -3.34M |
| Free Cash Flow | - | 60.01M | 88.79M | 134.40M | -19.61M |
| Net Change in Cash | - | -10.18M | -46.34M | -358.13M | -199.26M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Gross Margin % | - | 35.4% | 32.3% | 39.9% | 49.3% |
| Operating Margin % | - | 6.1% | 6.2% | -6.8% | -287.3% |
| Net Margin % | - | 3.6% | 10.2% | 34.2% | -408.8% |
| ROE % | - | 6.2% | 13.5% | 17.9% | -475.5% |
| ROCE % | - | 7.9% | 5.6% | -2.7% | -157.4% |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Morgan Stanley | 0.01% | 362 | $4.06K |
| 2 | Simplex Trading, LLC | - | 52 | $582 |
| 3 | JPMORGAN CHASE & CO | - | 1 | $11 |
| 4 | BNP Paribas Financial Markets | - | 195 | $2.19K |
| 5 | UBS Group AG | - | 100 | $1.12K |
| 6 | Royal Bank of Canada | - | 14 | $156 |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for AIFU
AIFU Signs MOU to Acquire Industrial AI Company, Launching Strategic Transformation
SHENZHEN, China, June 11, 2026 (GLOBE NEWSWIRE) -- AIFU Inc. (Nasdaq: AIFU) (the “Company” or “AIFU”)，a leading AI-driven independent financial services platform in China, today announced that it has signed a non-binding Memorandum of Under…
AIFU's Market Cap Drops To US$160m Leaving Insiders With Losses
The recent 23% drop in AIFU Inc.'s ( NASDAQ:AIFU ) stock could come as a blow to insiders who purchased CN¥12.3m worth...
Insiders are the top stockholders in AIFU Inc. (NASDAQ:AIFU), and the recent 11% drop might have disappointed them
Key Insights Insiders appear to have a vested interest in AIFU's growth, as seen by their sizeable ownership 78% of the...
One AIFU Insider Raised Their Stake In The Previous Year
Looking at AIFU Inc.'s ( NASDAQ:AIFU ) insider transactions over the last year, we can see that insiders were net...
AIFU — Frequently Asked Questions
What is the current share price of AIFU Inc. (AIFU)?
As of 2026-09-19 21:16 PDT, AIFU Inc. (AIFU) trades at $16.07 on NasdaqGS. Its 52-week range is $12.50 to $132.00.
What is the market capitalisation of AIFU?
AIFU Inc. (AIFU) has a market capitalisation of $95.23M on NasdaqGS.
What is the P/E ratio of AIFU?
AIFU trades at a trailing price-to-earnings (P/E) ratio of -0.02. The industry average P/E is 12.89. Its price-to-book (P/B) ratio is 0.16.
What is the return on equity (ROE) of AIFU?
AIFU has a return on equity (ROE) of -146.85%.
Is AIFU a good stock to buy?
This page provides a data-driven analysis of AIFU Inc. (AIFU), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.