AIFU Inc.

NasdaqGS:AIFU Stock Report

Market Cap: US$298.9m

AIFU Balance Sheet Health

Financial Health criteria checks 3/6

AIFU has a total shareholder equity of CN¥471.1M and total debt of CN¥56.0M, which brings its debt-to-equity ratio to 11.9%. Its total assets and total liabilities are CN¥1.5B and CN¥1.1B respectively.

Key information

11.89%

Debt to equity ratio

CN¥56.00m

Debt

Interest coverage ration/a
CashCN¥36.29m
EquityCN¥471.14m
Total liabilitiesCN¥1.06b
Total assetsCN¥1.53b

Recent financial health updates

No updates

Recent updates

Seeking Alpha • Feb 12

AIFU Inc.: Private Placement And Negative Earnings Have Disinterested Investors

Summary AIFU Inc. is rated 'Sell' due to persistent earnings declines, negative technicals, and regulatory headwinds impacting insurance commissions. AIFU's AI-driven insurance distribution model faces profitability challenges from multi-level agent compensation and compressed margins. Chinese regulatory actions capping commissions further pressure AIFU's bottom line, with management warning of continued operational headwinds. Despite trading at a 0.72 P/B ratio, a lack of catalysts and ongoing losses suggest shares may fall further before stabilizing. Read the full article on Seeking Alpha
Analysis Article • Jan 30

AIFU Inc.'s (NASDAQ:AIFU) 27% Share Price Plunge Could Signal Some Risk

Unfortunately for some shareholders, the AIFU Inc. ( NASDAQ:AIFU ) share price has dived 27% in the last thirty days...
Analysis Article • Nov 25

Investors Don't See Light At End Of AIFU Inc.'s (NASDAQ:AIFU) Tunnel And Push Stock Down 44%

AIFU Inc. ( NASDAQ:AIFU ) shareholders that were waiting for something to happen have been dealt a blow with a 44...
Analysis Article • Oct 11

AIFU Inc.'s (NASDAQ:AIFU) Price Is Right But Growth Is Lacking

AIFU Inc.'s ( NASDAQ:AIFU ) price-to-sales (or "P/S") ratio of 0.5x may look like a pretty appealing investment...

Financial Position Analysis

Short Term Liabilities: AIFU's short term assets (CN¥603.8M) exceed its short term liabilities (CN¥512.2M).

Long Term Liabilities: AIFU's short term assets (CN¥603.8M) exceed its long term liabilities (CN¥544.8M).

Debt to Equity History and Analysis

Debt Level: AIFU's net debt to equity ratio (4.2%) is considered satisfactory.

Reducing Debt: AIFU's debt to equity ratio has increased from 0% to 11.9% over the past 5 years.

Debt Coverage: AIFU's operating cash flow is negative, therefore debt is not well covered.

Interest Coverage: Insufficient data to determine if AIFU's interest payments on its debt are well covered by EBIT.

Balance Sheet

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/06/09 11:22
End of Day Share Price 2026/06/09 00:00
Earnings2025/12/31
Annual Earnings2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

AIFU Inc. is covered by 8 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Karen ChanBofA Global Research
null nullChina International Capital Corporation Limited
Patricia ChengHSBC