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AIFU Inc. logo

AIFU Inc.

AIFU

NASDAQFinancial ServicesInsurance - Brokers

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Previous close

$18.4999

+$3.4999 · +23.33%

Aug 21, 4:00 PM ET

AIFU company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Sell

Trim exposure — unfavorable risk-reward

Valuation

24

Expensive

Momentum

26

Weakening

Sentiment

51

Mixed

Risk resilience

29

High Risk

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Company profile

Company website

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. 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.

Industry
Insurance - Brokers
Sector
Financial Services
Headquarters
CN
CEO
Mingxiu Luan
Listed since
Oct 31, 2007
Employees
594

Market position

Day range

Current $18.4999

52-week range

Current $18.4999

Open
$15.70
Previous close
$15.00
Volume
47.82K
5.33× average
Average volume
8.98K
Average daily volume
Market cap
109.62M USD
Beta
1
Market reference 1
50-day average
$37.3418
-50.46% below average
200-day average
$43.0375
-57.01% below average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
3.85B CNY
P/E (TTM)
-0.55×
P/B (TTM)
2.63×
P/S (TTM)
1.32×
EV / EBITDA
-1.7×
Earnings yield
-59.91%
Free cash flow yield
-0.52%
Dividend yield
0.00%

Profitability & efficiency

Gross margin
49.28%
Operating margin
-287.33%
Net margin
-408.83%
Return on equity
-475.50%
Return on assets
-148.90%
Return on invested capital
-147.09%

Financial health

Debt / equity
0.18×
Current ratio
1.18×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends95%-88%-271%-455%Gross margin, FY2021: 35.34%Gross margin, FY2022: 35.45%Gross margin, FY2023: 32.92%Gross margin, FY2024: 38.48%Gross margin, FY2025: 49.28%Operating margin, FY2021: 9.23%Operating margin, FY2022: 6.06%Operating margin, FY2023: 6.12%Operating margin, FY2024: -24.10%Operating margin, FY2025: -287.33%Net margin, FY2021: 7.67%Net margin, FY2022: 3.60%Net margin, FY2023: 8.77%Net margin, FY2024: 25.15%Net margin, FY2025: -408.83%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 35.34%. Gross margin FY2022 35.45%. Gross margin FY2023 32.92%. Gross margin FY2024 38.48%. Gross margin FY2025 49.28%. Operating margin FY2021 9.23%. Operating margin FY2022 6.06%. Operating margin FY2023 6.12%. Operating margin FY2024 -24.10%. Operating margin FY2025 -287.33%. Net margin FY2021 7.67%. Net margin FY2022 3.60%. Net margin FY2023 8.77%. Net margin FY2024 25.15%. Net margin FY2025 -408.83%.

Income trends

Revenue

556.57M CNY-69.23%

Operating income

−1.6B CNY-266.92%

Net income

−2.28B CNY−2.73B CNY
Income trends across reported periods3.83B CNY1.61B CNY−611.44M CNY−2.83B CNYRevenue, FY2021: 3.27B CNYRevenue, FY2022: 2.78B CNYRevenue, FY2023: 3.2B CNYRevenue, FY2024: 1.81B CNYRevenue, FY2025: 556.57M CNYOperating income, FY2021: 301.91M CNYOperating income, FY2022: 168.68M CNYOperating income, FY2023: 195.83M CNYOperating income, FY2024: −435.84M CNYOperating income, FY2025: −1.6B CNYNet income, FY2021: 250.99M CNYNet income, FY2022: 100.27M CNYNet income, FY2023: 280.48M CNYNet income, FY2024: 454.96M CNYNet income, FY2025: −2.28B CNYFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 3.27B CNY. Revenue FY2022 2.78B CNY. Revenue FY2023 3.2B CNY. Revenue FY2024 1.81B CNY. Revenue FY2025 556.57M CNY. Operating income FY2021 301.91M CNY. Operating income FY2022 168.68M CNY. Operating income FY2023 195.83M CNY. Operating income FY2024 −435.84M CNY. Operating income FY2025 −1.6B CNY. Net income FY2021 250.99M CNY. Net income FY2022 100.27M CNY. Net income FY2023 280.48M CNY. Net income FY2024 454.96M CNY. Net income FY2025 −2.28B CNY.
Metric (CNY)FY2025FY2024FY2023FY2022FY2021
Revenue556.57M CNY1.81B CNY3.2B CNY2.78B CNY3.27B CNY
Cost of goods sold282.3M CNY1.11B CNY2.15B CNY1.8B CNY2.12B CNY
Gross profit274.27M CNY695.97M CNY1.05B CNY986.01M CNY1.16B CNY
Selling, general, and administrative313.32M CNY727.69M CNY857.15M CNY817.34M CNY854.04M CNY
Operating expenses1.87B CNY1.13B CNY857.15M CNY817.34M CNY854.04M CNY
Interest income30.21M CNY12.42M CNY5.69M CNY13.67M CNY2.97M CNY
Interest expense3.71M CNY————
Depreciation and amortization5.33M CNY29.31M CNY34.05M CNY19.47M CNY18.39M CNY
Operating income−1.6B CNY−435.84M CNY195.83M CNY168.68M CNY301.91M CNY
Net income−2.28B CNY454.96M CNY280.48M CNY100.27M CNY250.99M CNY

Company facts updated Aug 24, 2026.

Earnings

Latest EPS result
4.95

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates12.958.644.340.03Q4 '24No estimateQ2 '25EstimateQ2 '25EstimateQ3 '25EstimateQ3 '25EstimateQ1 '26EstimateQ2 '26EstimateQ3 '26Estimate
Q4 2024, reported Nov 19, 2024: actual 4.95, estimate —, surprise —, Comparison unavailable. Q2 2025, reported Apr 17, 2025: actual —, estimate 0.039, surprise —, Comparison unavailable. Q2 2025, reported Apr 25, 2025: actual —, estimate 0.784, surprise —, Comparison unavailable. Q3 2025, reported Sep 18, 2025: actual —, estimate 0.795, surprise —, Comparison unavailable. Q3 2025, reported Sep 30, 2025: actual —, estimate 0.799, surprise —, Comparison unavailable. Q1 2026, reported Mar 18, 2026: actual —, estimate 0.582, surprise —, Comparison unavailable. Q2 2026, reported Apr 24, 2026: actual —, estimate 11.83, surprise —, Comparison unavailable. Q3 2026, reported Sep 17, 2026: actual —, estimate 11.99, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates719.14M484.22M249.31M14.4MQ1 '25EstimateQ2 '25EstimateQ2 '25EstimateQ3 '25EstimateQ3 '25EstimateQ1 '26EstimateQ2 '26EstimateQ3 '26Estimate
Q1 2025, reported Jan 21, 2025: actual —, estimate 376.52M USD, surprise —, Comparison unavailable. Q2 2025, reported Apr 17, 2025: actual —, estimate 667.12M USD, surprise —, Comparison unavailable. Q2 2025, reported Apr 25, 2025: actual —, estimate 18.68M USD, surprise —, Comparison unavailable. Q3 2025, reported Sep 18, 2025: actual —, estimate 18.93M USD, surprise —, Comparison unavailable. Q3 2025, reported Sep 30, 2025: actual —, estimate 16.94M USD, surprise —, Comparison unavailable. Q1 2026, reported Mar 18, 2026: actual —, estimate 44.51M USD, surprise —, Comparison unavailable. Q2 2026, reported Apr 24, 2026: actual —, estimate 41.65M USD, surprise —, Comparison unavailable. Q3 2026, reported Sep 17, 2026: actual —, estimate 38.88M USD, surprise —, Comparison unavailable.

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