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AIFU

AIFU Inc.

Price Chart
Latest Quote

$35.51

+0.00 (+0.00%)
Current Price
Previous Close $35.51
Open $38.00
Day High $35.51
Day Low $35.51
Volume 1,052
Fetched: 2026-07-16T15:13:15
Stock Information
Note: Financial values converted from CNY to USD
Shares Outstanding 5.93M
Total Debt $12.80M
Cash Equivalents $5.36M
Revenue $82.13M
Net Income $-336.24M
Sector Financial Services
Industry Insurance Brokers
Market Cap $204.56M
EPS (TTM) $-661.55
Exchange NMS
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📊 Comprehensive Analysis
Company Data
Enterprise Value$256.28M
Sales$82.13M
Income$-336.24M
Book/sh$67.45
Cash/sh$6.12
Employees603
Financial Ratios
Quick Ratio1.14
Current Ratio1.18
Debt/Eq18.42
Returns & Margins
ROA-35.20%
ROE-146.85%
Gross Margin49.28%
Operating Margin-614.16%
Ownership
Insider Ownership87.67%
Institutional Ownership0.05%
Insider & Institutional transactions data not available
Valuation Ratios
Forward P/E63.93
P/S0.37
P/B0.51
Analyst Data
Recommendationnone
Technical Indicators
SMA20$40.95
SMA50$42.57
SMA200$51.35
RSI25.65
ATR3.3021
Shares Float606K
Short Float0.17%
Short Ratio0.12
Rel Volume0.12
Performance History
Week-6.68%
Month-32.11%
Quarter+18.22%
6 Months-36.78%
YTD-36.31%
Year-76.68%
3 Years-98.84%
5 Years-99.39%
10 Years-98.51%
Stock Score: ⭐ Premium
Based on debt, profitability, growth, and cash flow metrics
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Recent Price History
Date Close Volume
2026-07-17 $34.52 2,500
2026-07-16 $36.00 2,700
2026-07-15 $35.50 5,100
2026-07-14 $36.00 12,800
2026-07-13 $35.45 13,500
2026-07-10 $36.99 15,100
2026-07-09 $38.33 36,100
2026-07-08 $35.59 14,000
2026-07-07 $36.00 6,500
2026-07-06 $39.60 3,900
2026-07-02 $42.15 24,200
2026-07-01 $43.50 1,500
2026-06-30 $45.50 13,300
2026-06-29 $43.00 60,600
2026-06-26 $46.46 22,400
2026-06-25 $48.30 94,400
2026-06-24 $46.81 78,600
2026-06-23 $45.00 600
2026-06-22 $45.05 500
2026-06-18 $49.31 11,600
About AIFU Inc.

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.

Period:
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Income Statement (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Revenue
Reconciled Cost Of Revenue $41,661,131 $118,029,689 $275,773,961 $264,990,620
Cost Of Revenue $41,661,131 $118,029,689 $275,773,961 $264,990,620
Total Revenue $82,136,772 $196,540,481 $407,380,042 $410,503,668
Operating Revenue $82,136,772 $196,540,481 $407,380,042 $410,503,668
Expenses
Interest Expense $547,513 $489,219 $1,483,892 -
Total Expenses $318,140,512 $209,843,708 $382,292,456 $385,611,031
Other Income Expense $-103,386,605 $70,789,242 $25,652,070 $2,064,019
Other Non Operating Income Expenses $1,796,166 $3,350,157 $3,779,165 $-564,189
Net Non Operating Interest Income Expense $3,910,361 $1,738,020 $730,509 $2,017,975
Interest Expense Non Operating $547,513 $489,219 $1,483,892 -
Operating Expense $276,479,381 $91,814,020 $106,518,495 $120,620,412
Selling And Marketing Expense $8,951,314 $15,391,449 $22,406,693 $40,245,272
General And Administrative Expense $37,288,262 $69,464,734 $83,155,942 $80,375,139
Income & Earnings
Net Income From Continuing Operation Net Minority Interest $-336,272,476 $66,378,593 $41,265,919 $14,797,892
Net Interest Income $3,910,361 $1,738,020 $730,509 $2,017,975
Interest Income $4,457,874 $2,227,240 $2,214,401 $2,017,975
Normalized Income $-257,385,397 $14,383,058 $23,111,407 $12,718,738
Net Income From Continuing And Discontinued Operation $-335,795,800 $67,141,864 $41,392,097 $14,797,892
Total Operating Income As Reported $-5,763,935 $-65,984,561 $26,043,446 $24,892,636
Net Income Common Stockholders $-335,795,800 $67,141,864 $41,392,097 $14,797,892
Net Income $-335,795,800 $67,141,864 $41,392,097 $14,797,892
Net Income Including Noncontrolling Interests $-335,596,571 $45,671,402 $42,664,511 $12,650,787
Net Income Discontinuous Operations $476,675 $763,271 $126,179 -
Net Income Continuous Operations $-336,073,246 $44,908,131 $42,538,332 $12,650,787
Earnings From Equity Interest Net Of Tax $0 $-745,562 $-194,360 $-10,270,804
Pretax Income $-335,479,984 $59,224,035 $51,470,165 $28,974,630
Special Income Charges $-107,323,678 $72,783,014 $-428,565 $0
Interest Income Non Operating $4,457,874 $2,227,240 $2,214,401 $2,017,975
Operating Income $-236,003,740 $-13,303,227 $25,087,586 $24,892,636
Gross Profit $40,475,641 $78,510,793 $131,606,082 $145,513,048
Per Share
Diluted EPS - $501.73 $306.96 $106.26
Basic EPS - $503.56 $306.96 $106.26
Other
Tax Effect Of Unusual Items $-26,295,693 $15,443,550 $3,718,394 $549,054
Tax Rate For Calcs $0 $0 $0 $0
Normalized EBITDA (Bullshit earnings) $-228,963,703 $-3,400,776 $36,106,166 $25,138,205
Total Unusual Items $-105,182,771 $67,439,085 $21,872,905 $2,628,208
Total Unusual Items Excluding Goodwill $-105,182,771 $67,439,085 $21,872,905 $2,628,208
Reconciled Depreciation $785,998 $4,325,054 $5,025,014 $2,873,777
EBITDA (Bullshit earnings) $-334,146,474 $64,038,309 $57,979,072 $27,766,413
EBIT $-334,932,472 $59,713,255 $52,954,057 $24,892,636
Diluted NI Availto Com Stockholders $-335,795,800 $67,141,864 $41,392,097 $14,797,892
Minority Interests $-199,230 $21,470,462 $-1,272,413 $2,147,105
Tax Provision $593,262 $13,570,342 $8,737,474 $6,053,039
Gain On Sale Of Business $-17,208,276 $132,422,185 $-428,565 $0
Write Off $90,115,403 $0 $0 -
Impairment Of Capital Assets $0 $59,639,171 $0 $0
Gain On Sale Of Security $2,140,907 $-5,343,929 $22,301,471 $2,628,208
Provision For Doubtful Accounts $230,239,806 $6,957,837 $955,860 -
Selling General And Administration $46,239,576 $84,856,183 $105,562,636 $120,620,412
Other Gand A $37,288,262 $69,464,734 $83,155,942 $80,375,139
Diluted Average Shares - $19,749 $19,863 $19,821
Basic Average Shares - $19,677 $19,819 $19,816
Fetched: 2026-07-10
Balance Sheet (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Assets
Net Tangible Assets $70,618,790 $375,808,490 $241,849,728 $223,344,689
Total Assets $225,512,898 $612,596,310 $597,819,374 $455,943,078
Total Non Current Assets $136,408,696 $311,583,201 $247,239,406 $117,463,138
Other Non Current Assets $2,468,381 $9,536,311 $6,683,195 $4,741,518
Non Current Deferred Assets $1,313,735 $1,472,233 $6,011,570 $3,010,876
Non Current Deferred Taxes Assets $1,313,735 $1,472,233 $6,011,570 $3,010,876
Non Current Note Receivables $4,879,355 $4,679,535 $4,480,306 -
Non Current Accounts Receivable $60,114,813 $106,695,588 $109,482,885 $56,940,421
Investmentin Financial Assets $53,396,347 $21,471,200 $23,153,731 -
Current Assets $89,104,201 $301,013,109 $350,579,968 $338,479,940
Other Current Assets $19,923 $65,967 $620,121 $393,146
Assets Held For Sale Current $0 $36,614,571 - -
Restricted Cash $457,785 $5,106,329 $7,856,731 $8,848,305
Prepaid Assets $2,165,552 $2,931,922 $10,737,149 $61,531,705
Receivables $81,105,205 $155,467,299 $103,188,851 $132,613,593
Other Receivables $69,478,311 $38,617,050 $54,096,602 $74,527,085
Accounts Receivable $9,671,197 $14,040,229 $41,308,716 $58,086,508
Allowance For Doubtful Accounts Receivable $-274,199 $-175,027 $-2,309,588 $-2,266,938
Gross Accounts Receivable $9,945,396 $14,215,256 $43,618,304 $60,353,446
Cash Cash Equivalents And Short Term Investments $5,355,735 $100,827,021 $228,177,115 $135,093,191
Cash And Cash Equivalents $4,588,923 $15,646,610 $76,967,279 $83,753,926
Goodwill And Other Intangible Assets - $0 $63,822,108 $16,233,083
Receivables Adjustments Allowances - $-6,957,099 $-4,488,422 $-1,884,712
Loans Receivable - $109,767,119 $12,271,955 -
Other Intangible Assets - - $8,606,130 -
Debt
Net Debt $3,675,418 $4,272,812 - -
Total Debt $12,805,448 $28,474,785 $43,207,005 $25,408,863
Long Term Debt And Capital Lease Obligation $2,281,991 $4,120,069 $10,523,900 $10,948,775
Current Debt And Capital Lease Obligation $10,523,457 $24,354,716 $32,683,106 $14,460,087
Current Debt $8,264,341 $19,919,422 $24,246,985 $5,265,418
Liabilities
Total Liabilities Net Minority Interest $155,983,820 $224,400,311 $252,854,288 $200,437,560
Total Non Current Liabilities Net Minority Interest $80,400,375 $103,847,785 $101,767,680 $59,947,313
Liabilities Heldfor Sale Non Current $0 $1,923,673 - -
Tradeand Other Payables Non Current $3,792,890 $3,792,890 $5,071,944 $5,408,273
Non Current Deferred Liabilities $27,629,166 $31,893,714 $22,011,333 $15,120,054
Non Current Deferred Taxes Liabilities $27,629,166 $31,893,714 $22,011,333 $15,120,054
Current Liabilities $75,583,445 $120,552,526 $151,086,608 $140,490,248
Payables And Accrued Expenses $63,269,578 $70,957,923 $118,403,502 $126,030,160
Payables $41,683,563 $40,457,341 $70,276,263 $89,534,537
Other Payable $12,531,544 $4,961,261 $5,161,523 $5,433,361
Total Tax Payable $17,185,106 $18,780,714 $28,036,037 $30,626,170
Income Tax Payable $9,890,645 $9,345,346 $14,796,121 $19,188,618
Accounts Payable $11,966,913 $16,715,367 $37,078,702 $53,475,006
Other Non Current Liabilities - $4,925,252 $4,925,104 -
Other Current Liabilities - $22,192,706 - -
Equity
Common Stock Equity $70,618,790 $375,808,490 $305,671,836 $239,577,772
Total Equity Gross Minority Interest $69,529,078 $388,195,999 $344,965,086 $255,505,518
Stockholders Equity $70,618,790 $375,808,490 $305,671,836 $239,577,772
Gains Losses Not Affecting Retained Earnings $37,161,936 $82,056,785 $85,659,890 $77,755,196
Other Equity Adjustments $37,161,936 $82,056,785 $85,659,890 $77,755,196
Retained Earnings $-34,750,224 $264,053,060 $194,744,020 $160,561,970
Long Term Equity Investment $0 $148,268,615 $0 $595,475
Other
Treasury Shares Number $0 $502 $455 -
Ordinary Shares Number $99,137 $20,884 $20,923 $19,791
Share Issued $99,137 $21,386 $21,379 $19,791
Tangible Book Value $70,618,790 $375,808,490 $241,849,728 $223,344,689
Invested Capital $78,883,131 $395,727,912 $329,918,821 $244,843,190
Working Capital $13,520,756 $180,460,583 $199,493,360 $197,989,692
Capital Lease Obligations $4,541,108 $8,555,363 $18,960,021 $20,143,445
Total Capitalization $70,618,790 $375,808,490 $305,671,836 $239,577,772
Minority Interest $-1,089,712 $12,387,509 $39,293,250 $15,927,745
Treasury Stock $0 $29,073 $26,269 $1,476
Additional Paid In Capital $59,315,533 $28,447,041 $24,013,960 $68,033
Capital Stock $8,891,545 $1,280,678 $1,280,235 $1,194,050
Common Stock $8,891,545 $1,280,678 $1,280,235 $1,194,050
Non Current Accrued Expenses $46,696,328 $57,192,188 $59,235,399 $28,470,210
Long Term Capital Lease Obligation $2,281,991 $4,120,069 $10,523,900 $10,948,775
Current Capital Lease Obligation $2,259,117 $4,435,294 $8,436,121 $9,194,669
Line Of Credit $8,264,341 $19,919,422 $24,246,985 $5,265,418
Pensionand Other Post Retirement Benefit Plans Current $1,790,410 $3,047,180 $0 -
Current Accrued Expenses $21,586,015 $30,500,582 $48,127,240 $36,495,623
Duefrom Related Parties Non Current $0 $4,925,252 $4,925,104 -
Investments And Advances $53,396,347 $169,739,815 $23,153,731 $595,475
Held To Maturity Securities $18,447,189 $18,447,189 $18,447,189 -
Available For Sale Securities $34,949,158 $3,024,011 $4,706,542 -
Net PPE $14,236,065 $19,459,718 $33,605,613 $35,941,765
Accumulated Depreciation $-17,667,537 $-20,419,710 $-29,150,986 $-28,326,765
Gross PPE $31,903,601 $39,879,428 $62,756,598 $64,268,530
Leases $1,738,906 $2,614,040 $5,160,638 $5,902,067
Construction In Progress $7,916,058 $7,916,058 $7,916,058 $8,394,209
Machinery Furniture Equipment $16,813,506 $18,214,016 $27,303,020 $26,743,111
Buildings And Improvements $5,435,132 $11,135,313 $22,376,883 $23,229,143
Properties $0 $0 $0 $0
Duefrom Related Parties Current $1,955,697 $0 - -
Other Short Term Investments $766,813 $85,180,411 $151,209,835 $51,339,264
Dueto Related Parties Current - $13,578,607 $0 -
Goodwill - $0 $55,215,978 $16,233,083
Investmentsin Associatesat Cost - - - $595,475
Fetched: 2026-07-10
Cash Flow Statement (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Free Cash Flow
Free Cash Flow $-2,894,143 $19,834,712 $13,103,555 $8,855,536
Operating Activities
Operating Cash Flow $-2,401,529 $21,081,742 $15,021,472 $20,329,097
Cash Flow From Continuing Operating Activities $-2,401,529 $21,081,742 $15,021,472 $20,329,097
Operating Gains Losses $15,699,296 $-131,665,850 $-1,699,355 $9,069,819
Investing Activities
Capital Expenditure $-492,614 $-1,247,030 $-1,917,917 $-11,473,561
Investing Cash Flow $-16,437,478 $-64,430,865 $-34,578,591 $-18,825,282
Cash Flow From Continuing Investing Activities $-16,437,478 $-64,430,865 $-34,578,591 $-18,825,282
Net Other Investing Changes $-2,026,830 $-100,913,501 $9,822,759 $-26,755,803
Financing Activities
Repurchase Of Capital Stock $0 $-846,357 $-5,985,153 $-587,949
Issuance Of Capital Stock $1,077,168 $13,725 $0 $0
Financing Cash Flow $-10,567,140 $-9,502,368 $12,717,640 $-3,006,301
Cash Flow From Continuing Financing Activities $-10,567,140 $-9,502,368 $12,717,640 $-3,006,301
Net Common Stock Issuance $1,077,168 $-832,632 $-5,985,153 $-587,949
Common Stock Issuance $1,077,168 $13,725 $0 $0
Net Other Financing Charges - $-4,342,173 $1,065,510 $443
Cash Dividends Paid - $0 $0 $-7,684,213
Common Stock Dividend Paid - $0 $0 $-7,684,213
Other
Repayment Of Debt $-22,575,817 $-24,246,985 $-9,266,244 $0
Issuance Of Debt $10,920,736 $19,919,422 $26,903,528 $5,265,418
Interest Paid Supplemental Data $560,647 $490,843 $1,291,303 $0
Income Tax Paid Supplemental Data $1,514,736 $1,859,624 $11,345,611 $6,940,423
End Cash Position $7,416,655 $36,266,288 $88,842,251 $95,661,365
Beginning Cash Position $36,266,288 $88,842,251 $95,661,365 $96,887,882
Effect Of Exchange Rate Changes $556,515 $275,527 $20,366 $275,970
Changes In Cash $-29,406,147 $-52,851,491 $-6,839,480 $-1,502,487
Proceeds From Stock Option Exercised $10,773 $0 $0 -
Common Stock Payments $0 $-846,357 $-5,985,153 $-587,949
Net Issuance Payments Of Debt $-11,655,081 $-4,327,563 $17,637,283 $5,265,418
Net Short Term Debt Issuance $10,920,736 $19,919,422 $26,903,528 $5,265,418
Short Term Debt Issuance $10,920,736 $19,919,422 $26,903,528 $5,265,418
Net Long Term Debt Issuance $-22,575,817 $-24,246,985 $-9,266,244 $0
Long Term Debt Payments $-22,575,817 $-24,246,985 $-9,266,244 $0
Net Investment Purchase And Sale $5,183,808 $44,706,541 $-45,656,202 $22,026,829
Sale Of Investment $12,554,124 $317,352,153 $623,662,705 $478,085,608
Purchase Of Investment $-7,370,316 $-272,645,613 $-669,318,907 $-456,058,779
Net Business Purchase And Sale $-21,123,212 $-7,436,873 $2,723,100 $-3,183,394
Sale Of Business $5,756 $0 $2,723,100 $0
Purchase Of Business $-21,128,967 $-7,436,873 - $-3,183,394
Net PPE Purchase And Sale $1,528,755 $-787,031 $-1,468,249 $-10,912,914
Sale Of PPE $2,021,369 $459,999 $449,669 $560,647
Purchase Of PPE $-492,614 $-1,247,030 $-1,917,917 $-11,473,561
Change In Working Capital $-7,137,881 $-4,806,009 $-33,856,937 $-25,822,375
Change In Other Current Liabilities $-4,023,848 $-8,221,396 $-10,074,379 $-13,071,383
Change In Other Current Assets $3,979,870 $1,118,195 $537,625 $1,265,034
Change In Payables And Accrued Expense $3,259,840 $15,952,391 $-60,040,877 $-7,989,699
Change In Accrued Expense $119,390 $-4,471,451 $-1,298,535 $-2,327,445
Change In Payable $3,140,449 $20,423,842 $-58,742,342 $-5,662,254
Change In Account Payable $-9,963,400 $-20,021,988 $-53,432,799 $3,261,315
Change In Tax Payable $-3,889,405 $-4,252,446 $-4,755,833 $-5,434,985
Change In Income Tax Payable $-3,889,405 $-4,252,446 $-4,755,833 $-5,434,985
Change In Receivables $-10,353,743 $-13,655,199 $35,720,694 $-6,026,328
Changes In Account Receivables $1,025,959 $11,331,444 $28,987,470 $-220,038
Other Non Cash Items $2,023,730 $6,521,745 $8,781,157 $12,848,983
Stock Based Compensation $2,508,227 $5,694,869 $2,522,838 $68,033
Unrealized Gain Loss On Investment Securities $1,084,547 $12,188,131 $-14,199,465 $0
Provisionand Write Offof Assets $230,432,689 $6,441,758 $3,637,343 $4,530,777
Asset Impairment Charge $90,115,403 $60,256,045 $0 $0
Deferred Tax $-2,316,967 $16,454,597 $2,146,367 $4,109,296
Deferred Income Tax $-2,316,967 $16,454,597 $2,146,367 $4,109,296
Depreciation Amortization Depletion $785,998 $4,325,054 $5,025,014 $2,873,777
Depreciation And Amortization $785,998 $4,325,054 $5,025,014 $2,873,777
Amortization Cash Flow $0 $2,477,974 $2,635,439 $0
Amortization Of Intangibles $0 $2,477,974 $2,635,439 $0
Depreciation $785,998 $1,847,080 $2,389,575 $2,873,777
Earnings Losses From Equity Investments $0 $1,512,965 $194,360 $10,270,804
Gain Loss On Investment Securities $-694,795 $-789,687 $-2,515,754 $-1,617,892
Gain Loss On Sale Of PPE $-976,668 $33,057 $193,474 $416,906
Gain Loss On Sale Of Business $17,370,758 $-132,422,185 $428,565 $0
Net Income From Continuing Operations $-335,596,571 $45,671,402 $42,664,511 $12,650,787
Long Term Debt Issuance - - $26,903,528 $5,265,418
Fetched: 2026-07-10