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AIFU

AIFU Inc.

Price Chart
Latest Quote

$10.50

-0.10 (-0.94%)
Current Price
Previous Close $10.60
Open $10.78
Day High $10.78
Day Low $10.07
Volume 3,913
Fetched: 2026-10-27T18:53:30
Stock Information
Note: Financial values converted from CNY to USD
Shares Outstanding 50.93M
Total Debt $11.99M
Cash Equivalents $5.06M
Revenue $72.91M
Net Income $-264.64M
Sector Financial Services
Industry Insurance Brokers
Market Cap $534.72M
EPS (TTM) $-397.44
Exchange NMS
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📊 Comprehensive Analysis
Company Data
Enterprise Value$104.17M
Sales$72.91M
Income$-264.64M
Book/sh$25.31
Cash/sh$0.66
Employees603
Financial Ratios
Quick Ratio0.93
Current Ratio2.96
Debt/Eq7.70
Returns & Margins
ROA-25.49%
ROE-112.32%
Gross Margin50.89%
Operating Margin15.97%
Ownership
Insider Ownership10.20%
Institutional Ownership0.01%
Insider & Institutional transactions data not available
Valuation Ratios
Forward P/E19.44
P/S1.10
P/B0.41
Analyst Data
Recommendationnone
Technical Indicators
SMA20$11.09
SMA50$13.61
SMA200$31.54
RSI31.20
ATR1.3057
Shares Float291K
Short Float1.34%
Short Ratio0.26
Rel Volume0.19
Performance History
Week-2.05%
Month+19.18%
Quarter-67.69%
6 Months-61.68%
YTD-80.63%
Year-89.11%
3 Years-99.63%
5 Years-99.79%
10 Years-99.60%
Stock Score: ⭐ Premium
Based on debt, profitability, growth, and cash flow metrics
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Recent Price History
Date Close Volume
2026-10-27 $10.50 3,913
2026-10-26 $10.63 23,700
2026-10-23 $10.77 25,400
2026-10-22 $11.33 6,200
2026-10-21 $10.88 16,300
2026-10-20 $10.72 11,700
2026-10-19 $11.05 7,300
2026-10-16 $11.11 13,200
2026-10-15 $11.31 8,100
2026-10-14 $11.25 13,100
2026-10-13 $11.87 18,500
2026-10-12 $11.60 102,300
2026-10-09 $12.02 10,200
2026-10-08 $11.01 54,900
2026-10-07 $12.85 22,500
2026-10-06 $11.18 32,600
2026-10-05 $10.32 2,600
2026-10-02 $10.22 9,400
2026-10-01 $11.12 12,200
2026-09-30 $10.11 14,200
2026-09-29 $10.83 24,500
2026-09-28 $8.81 107,500
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.

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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 $42,276,935 $119,774,315 $279,850,244 $268,907,512
Cost Of Revenue $42,276,935 $119,774,315 $279,850,244 $268,907,512
Total Revenue $83,350,856 $199,445,595 $413,401,628 $416,571,425
Operating Revenue $83,350,856 $199,445,595 $413,401,628 $416,571,425
Expenses
Interest Expense $555,605 $496,451 $1,505,826 -
Other Income Expense $-104,914,788 $71,835,596 $26,031,240 $2,094,528
Other Non Operating Income Expenses $1,822,715 $3,399,677 $3,835,026 $-572,528
Net Non Operating Interest Income Expense $3,968,161 $1,763,710 $741,307 $2,047,803
Interest Expense Non Operating $555,605 $496,451 $1,505,826 -
Operating Expense $280,566,092 $93,171,146 $108,092,972 $122,403,332
Selling And Marketing Expense $9,083,625 $15,618,954 $22,737,892 $40,840,148
General And Administrative Expense $37,839,429 $70,491,510 $84,385,091 $81,563,184
Income & Earnings
Net Income From Continuing Operation Net Minority Interest $-341,243,003 $67,359,752 $41,875,880 $15,016,623
Net Interest Income $3,968,161 $1,763,710 $741,307 $2,047,803
Interest Income $4,523,767 $2,260,161 $2,247,132 $2,047,803
Normalized Income $-261,189,875 $14,595,658 $23,453,022 $12,906,737
Net Income From Continuing And Discontinued Operation $-340,759,282 $68,134,305 $42,003,924 $15,016,623
Total Operating Income As Reported $-5,849,133 $-66,959,895 $26,428,401 $25,260,581
Net Income Common Stockholders $-340,759,282 $68,134,305 $42,003,924 $15,016,623
Net Income $-340,759,282 $68,134,305 $42,003,924 $15,016,623
Net Income Including Noncontrolling Interests $-340,557,107 $46,346,483 $43,295,145 $12,837,781
Net Income Discontinuous Operations $483,721 $774,553 $128,044 -
Net Income Continuous Operations $-341,040,828 $45,571,930 $43,167,101 $12,837,781
Earnings From Equity Interest Net Of Tax $0 $-756,582 $-197,232 $-10,422,620
Pretax Income $-340,438,798 $60,099,441 $52,230,959 $29,402,912
Special Income Charges $-108,910,056 $73,858,838 $-434,900 $0
Interest Income Non Operating $4,523,767 $2,260,161 $2,247,132 $2,047,803
Operating Income $-239,492,171 $-13,499,865 $25,458,412 $25,260,581
Gross Profit $41,073,921 $79,671,280 $133,551,384 $147,663,913
Per Share
Diluted EPS - $509.15 $311.50 $107.83
Basic EPS - $511.01 $311.50 $107.83
Other
Tax Effect Of Unusual Items $-26,684,376 $15,671,825 $3,773,356 $557,170
Tax Rate For Calcs $0 $0 $0 $0
Normalized EBITDA (Bullshit earnings) $-232,348,072 $-3,451,044 $36,639,860 $25,509,780
Total Unusual Items $-106,737,504 $68,435,919 $22,196,214 $2,667,056
Total Unusual Items Excluding Goodwill $-106,737,504 $68,435,919 $22,196,214 $2,667,056
Reconciled Depreciation $797,616 $4,388,984 $5,099,290 $2,916,255
EBITDA (Bullshit earnings) $-339,085,576 $64,984,875 $58,836,075 $28,176,836
EBIT $-339,883,192 $60,595,891 $53,736,784 $25,260,581
Diluted NI Availto Com Stockholders $-340,759,282 $68,134,305 $42,003,924 $15,016,623
Minority Interests $-202,175 $21,787,822 $-1,291,221 $2,178,842
Tax Provision $602,031 $13,770,929 $8,866,625 $6,142,511
Gain On Sale Of Business $-17,462,635 $134,379,551 $-434,900 $0
Write Off $91,447,421 $0 $0 -
Impairment Of Capital Assets $0 $60,520,712 $0 $0
Gain On Sale Of Security $2,172,552 $-5,422,919 $22,631,114 $2,667,056
Provision For Doubtful Accounts $233,643,038 $7,060,682 $969,988 -
Selling General And Administration $46,923,054 $86,110,463 $107,122,983 $122,403,332
Other Gand A $37,839,429 $70,491,510 $84,385,091 $81,563,184
Diluted Average Shares - $20,040 $20,156 $20,114
Basic Average Shares - $19,968 $20,112 $20,109
Fetched: 2026-10-20
Balance Sheet (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Assets
Net Tangible Assets $71,662,624 $381,363,410 $245,424,569 $226,646,003
Total Assets $228,846,260 $621,651,249 $606,655,891 $462,682,487
Total Non Current Assets $138,424,987 $316,188,790 $250,893,914 $119,199,390
Other Non Current Assets $2,504,867 $9,677,270 $6,781,981 $4,811,603
Non Current Deferred Assets $1,333,154 $1,493,995 $6,100,428 $3,055,381
Non Current Deferred Taxes Assets $1,333,154 $1,493,995 $6,100,428 $3,055,381
Non Current Note Receivables $4,951,478 $4,748,705 $4,546,530 -
Non Current Accounts Receivable $61,003,385 $108,272,682 $111,101,178 $57,782,072
Investmentin Financial Assets $54,185,612 $21,788,571 $23,495,972 -
Current Assets $90,421,273 $305,462,459 $355,761,978 $343,483,096
Other Current Assets $20,217 $66,942 $629,287 $398,958
Assets Held For Sale Current $0 $37,155,780 - -
Restricted Cash $464,552 $5,181,807 $7,972,864 $8,979,094
Prepaid Assets $2,197,562 $2,975,260 $10,895,858 $62,441,220
Receivables $82,304,041 $157,765,300 $104,714,112 $134,573,788
Other Receivables $70,505,287 $39,187,858 $54,896,218 $75,628,689
Accounts Receivable $9,814,149 $14,247,761 $41,919,310 $58,945,099
Allowance For Doubtful Accounts Receivable $-278,252 $-177,614 $-2,343,727 $-2,300,446
Gross Accounts Receivable $10,092,401 $14,425,375 $44,263,037 $61,245,545
Cash Cash Equivalents And Short Term Investments $5,434,900 $102,317,370 $231,549,858 $137,090,037
Cash And Cash Equivalents $4,656,753 $15,877,887 $78,104,952 $84,991,914
Goodwill And Other Intangible Assets - $0 $64,765,478 $16,473,029
Receivables Adjustments Allowances - $-7,059,934 $-4,554,767 $-1,912,571
Loans Receivable - $111,389,614 $12,453,350 -
Other Intangible Assets - - $8,733,339 -
Debt
Net Debt $3,729,745 $4,335,969 - -
Total Debt $12,994,729 $28,895,678 $43,845,659 $25,784,437
Long Term Debt And Capital Lease Obligation $2,315,722 $4,180,969 $10,679,456 $11,110,612
Current Debt And Capital Lease Obligation $10,679,007 $24,714,710 $33,166,203 $14,673,825
Current Debt $8,386,498 $20,213,856 $24,605,386 $5,343,247
Liabilities
Total Liabilities Net Minority Interest $158,289,456 $227,717,228 $256,591,790 $203,400,278
Total Non Current Liabilities Net Minority Interest $81,588,793 $105,382,785 $103,271,933 $60,833,409
Liabilities Heldfor Sale Non Current $0 $1,952,107 - -
Tradeand Other Payables Non Current $3,848,953 $3,848,953 $5,146,914 $5,488,214
Non Current Deferred Liabilities $28,037,560 $32,365,143 $22,336,688 $15,343,547
Non Current Deferred Taxes Liabilities $28,037,560 $32,365,143 $22,336,688 $15,343,547
Current Liabilities $76,700,663 $122,334,443 $153,319,857 $142,566,869
Payables And Accrued Expenses $64,204,781 $72,006,770 $120,153,654 $127,893,044
Other Payable $12,716,776 $5,034,594 $5,237,817 $5,513,673
Total Tax Payable $17,439,123 $19,058,316 $28,450,445 $31,078,863
Income Tax Payable $10,036,841 $9,483,482 $15,014,826 $19,472,250
Accounts Payable $12,143,799 $16,962,441 $37,626,771 $54,265,433
Other Non Current Liabilities - $4,998,053 $4,997,903 -
Other Current Liabilities - $22,520,742 - -
Equity
Common Stock Equity $71,662,624 $381,363,410 $310,190,048 $243,119,031
Total Equity Gross Minority Interest $70,556,804 $393,934,021 $350,064,101 $259,282,209
Stockholders Equity $71,662,624 $381,363,410 $310,190,048 $243,119,031
Gains Losses Not Affecting Retained Earnings $37,711,235 $83,269,687 $86,926,050 $78,904,515
Other Equity Adjustments $37,711,235 $83,269,687 $86,926,050 $78,904,515
Retained Earnings $-35,263,876 $267,956,094 $197,622,580 $162,935,276
Long Term Equity Investment $0 $150,460,211 $0 $604,277
Other
Treasury Shares Number $0 $510 $462 -
Ordinary Shares Number $100,602 $21,193 $21,233 $20,083
Share Issued $100,602 $21,702 $21,695 $20,083
Tangible Book Value $71,662,624 $381,363,410 $245,424,569 $226,646,003
Invested Capital $80,049,122 $401,577,265 $334,795,433 $248,462,279
Working Capital $13,720,610 $183,128,016 $202,442,121 $200,916,227
Capital Lease Obligations $4,608,231 $8,681,822 $19,240,273 $20,441,190
Total Capitalization $71,662,624 $381,363,410 $310,190,048 $243,119,031
Minority Interest $-1,105,820 $12,570,611 $39,874,053 $16,163,177
Treasury Stock $0 $29,503 $26,657 $1,498
Additional Paid In Capital $60,192,291 $28,867,524 $24,368,916 $69,039
Capital Stock $9,022,973 $1,299,608 $1,299,158 $1,211,699
Common Stock $9,022,973 $1,299,608 $1,299,158 $1,211,699
Non Current Accrued Expenses $47,386,558 $58,037,560 $60,110,972 $28,891,036
Long Term Capital Lease Obligation $2,315,722 $4,180,969 $10,679,456 $11,110,612
Current Capital Lease Obligation $2,292,509 $4,500,854 $8,560,817 $9,330,578
Line Of Credit $8,386,498 $20,213,856 $24,605,386 $5,343,247
Pensionand Other Post Retirement Benefit Plans Current $1,816,875 $3,092,222 $0 -
Current Accrued Expenses $21,905,083 $30,951,419 $48,838,620 $37,035,074
Duefrom Related Parties Non Current $0 $4,998,053 $4,997,903 -
Investments And Advances $54,185,612 $172,248,782 $23,495,972 $604,277
Held To Maturity Securities $18,719,861 $18,719,861 $18,719,861 -
Available For Sale Securities $35,465,751 $3,068,709 $4,776,111 -
Net PPE $14,446,491 $19,747,357 $34,102,346 $36,473,029
Accumulated Depreciation $-17,928,685 $-20,721,539 $-29,581,874 $-28,745,470
Gross PPE $32,375,176 $40,468,896 $63,684,219 $65,218,499
Leases $1,764,609 $2,652,679 $5,236,919 $5,989,307
Construction In Progress $8,033,067 $8,033,067 $8,033,067 $8,518,286
Machinery Furniture Equipment $17,062,030 $18,483,242 $27,706,593 $27,138,407
Buildings And Improvements $5,515,470 $11,299,907 $22,707,641 $23,572,499
Properties $0 $0 $0 $0
Duefrom Related Parties Current $1,984,605 $0 - -
Other Short Term Investments $778,147 $86,439,483 $153,444,906 $52,098,123
Dueto Related Parties Current - $13,779,315 $0 -
Goodwill - $0 $56,032,139 $16,473,029
Investmentsin Associatesat Cost - - - $604,277
Fetched: 2026-10-20
Cash Flow Statement (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Free Cash Flow
Free Cash Flow $-2,936,922 $20,127,894 $13,297,242 $8,986,432
Operating Activities
Operating Cash Flow $-2,437,026 $21,393,357 $15,243,508 $20,629,587
Cash Flow From Continuing Operating Activities $-2,437,026 $21,393,357 $15,243,508 $20,629,587
Operating Gains Losses $15,931,351 $-133,612,036 $-1,724,474 $9,203,882
Investing Activities
Capital Expenditure $-499,895 $-1,265,463 $-1,946,267 $-11,643,155
Investing Cash Flow $-16,680,445 $-65,383,234 $-35,089,706 $-19,103,544
Cash Flow From Continuing Investing Activities $-16,680,445 $-65,383,234 $-35,089,706 $-19,103,544
Net Other Investing Changes $-2,056,789 $-102,405,129 $9,967,952 $-27,151,287
Financing Activities
Repurchase Of Capital Stock $0 $-858,867 $-6,073,622 $-596,639
Issuance Of Capital Stock $1,093,090 $13,928 $0 $0
Financing Cash Flow $-10,723,336 $-9,642,825 $12,905,622 $-3,050,738
Cash Flow From Continuing Financing Activities $-10,723,336 $-9,642,825 $12,905,622 $-3,050,738
Net Common Stock Issuance $1,093,090 $-844,940 $-6,073,622 $-596,639
Common Stock Issuance $1,093,090 $13,928 $0 $0
Net Other Financing Charges - $-4,406,356 $1,081,259 $449
Cash Dividends Paid - $0 $0 $-7,797,796
Common Stock Dividend Paid - $0 $0 $-7,797,796
Other
Repayment Of Debt $-22,909,516 $-24,605,386 $-9,403,211 $0
Issuance Of Debt $11,082,158 $20,213,856 $27,301,195 $5,343,247
Interest Paid Supplemental Data $568,934 $498,098 $1,310,390 $0
Income Tax Paid Supplemental Data $1,537,125 $1,887,112 $11,513,314 $7,043,011
End Cash Position $7,526,283 $36,802,349 $90,155,451 $97,075,360
Beginning Cash Position $36,802,349 $90,155,451 $97,075,360 $98,320,006
Effect Of Exchange Rate Changes $564,741 $279,600 $20,667 $280,049
Changes In Cash $-29,840,807 $-53,632,702 $-6,940,576 $-1,524,695
Proceeds From Stock Option Exercised $10,932 $0 $0 -
Common Stock Payments $0 $-858,867 $-6,073,622 $-596,639
Net Issuance Payments Of Debt $-11,827,358 $-4,391,530 $17,897,984 $5,343,247
Net Short Term Debt Issuance $11,082,158 $20,213,856 $27,301,195 $5,343,247
Short Term Debt Issuance $11,082,158 $20,213,856 $27,301,195 $5,343,247
Net Long Term Debt Issuance $-22,909,516 $-24,605,386 $-9,403,211 $0
Long Term Debt Payments $-22,909,516 $-24,605,386 $-9,403,211 $0
Net Investment Purchase And Sale $5,260,431 $45,367,359 $-46,331,058 $22,352,413
Sale Of Investment $12,739,689 $322,043,015 $632,881,219 $485,152,311
Purchase Of Investment $-7,479,258 $-276,675,656 $-679,212,276 $-462,799,898
Net Business Purchase And Sale $-21,435,439 $-7,546,800 $2,763,351 $-3,230,449
Sale Of Business $5,841 $0 $2,763,351 $0
Purchase Of Business $-21,441,280 $-7,546,800 - $-3,230,449
Net PPE Purchase And Sale $1,551,352 $-798,664 $-1,489,951 $-11,074,221
Sale Of PPE $2,051,248 $466,798 $456,315 $568,934
Purchase Of PPE $-499,895 $-1,265,463 $-1,946,267 $-11,643,155
Change In Working Capital $-7,243,388 $-4,877,048 $-34,357,385 $-26,204,062
Change In Other Current Liabilities $-4,083,326 $-8,342,918 $-10,223,291 $-13,264,594
Change In Other Current Assets $4,038,698 $1,134,723 $545,572 $1,283,733
Change In Payables And Accrued Expense $3,308,024 $16,188,187 $-60,928,356 $-8,107,797
Change In Accrued Expense $121,155 $-4,537,545 $-1,317,728 $-2,361,847
Change In Payable $3,186,869 $20,725,732 $-59,610,628 $-5,745,949
Change In Account Payable $-10,110,672 $-20,317,938 $-54,222,602 $3,309,522
Change In Tax Payable $-3,946,896 $-4,315,302 $-4,826,130 $-5,515,320
Change In Income Tax Payable $-3,946,896 $-4,315,302 $-4,826,130 $-5,515,320
Change In Receivables $-10,506,784 $-13,857,040 $36,248,690 $-6,115,404
Changes In Account Receivables $1,041,124 $11,498,937 $29,415,941 $-223,291
Other Non Cash Items $2,053,644 $6,618,145 $8,910,953 $13,038,908
Stock Based Compensation $2,545,302 $5,779,046 $2,560,128 $69,039
Unrealized Gain Loss On Investment Securities $1,100,578 $12,368,287 $-14,409,351 $0
Provisionand Write Offof Assets $233,838,772 $6,536,976 $3,691,107 $4,597,748
Asset Impairment Charge $91,447,421 $61,146,705 $0 $0
Deferred Tax $-2,351,215 $16,697,817 $2,178,093 $4,170,036
Deferred Income Tax $-2,351,215 $16,697,817 $2,178,093 $4,170,036
Depreciation Amortization Depletion $797,616 $4,388,984 $5,099,290 $2,916,255
Depreciation And Amortization $797,616 $4,388,984 $5,099,290 $2,916,255
Amortization Cash Flow $0 $2,514,602 $2,674,394 $0
Amortization Of Intangibles $0 $2,514,602 $2,674,394 $0
Depreciation $797,616 $1,874,382 $2,424,896 $2,916,255
Earnings Losses From Equity Investments $0 $1,535,328 $197,232 $10,422,620
Gain Loss On Investment Securities $-705,065 $-801,360 $-2,552,940 $-1,641,807
Gain Loss On Sale Of PPE $-991,104 $33,546 $196,334 $423,069
Gain Loss On Sale Of Business $17,627,520 $-134,379,551 $434,900 $0
Net Income From Continuing Operations $-340,557,107 $46,346,483 $43,295,145 $12,837,781
Long Term Debt Issuance - - $27,301,195 $5,343,247
Fetched: 2026-10-20