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AIFU

AIFU Inc.

AIFU

AIFU Inc. • NASDAQ
$2.92 ▼ -1.60% (-0.05)
Market Cap $7.83 M
52w High $28.80
52w Low $1.50
Dividend Yield 0%
P/E 0.26
Volume 1.77K
Outstanding Shares 2.68M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q4-2023 $603.392M ▼ $203.74M ▲ $-27.189M ▼ -4.506% ▼ $-12 ▼ $-170.871M ▼
Q3-2023 $634.62M ▼ $202.069M ▼ $170.699M ▲ 26.898% ▲ $23.37 ▲ $179.773M ▲
Q2-2023 $1.133B ▲ $237.077M ▲ $76.515M ▲ 6.755% ▼ $10.14 ▲ $106.067M ▲
Q1-2023 $827.737M ▲ $214.262M ▲ $60.452M ▼ 7.303% ▼ $8.25 ▼ $60.355M ▼
Q4-2022 $767.365M $188.063M $70.616M 9.202% $9.59 $84.893M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q4-2024 $821.333M ▲ $4.151B ▲ $1.521B ▲ $2.547B ▲
Q2-2024 $770.133M ▼ $3.821B ▼ $1.507B ▼ $2.086B ▲
Q4-2023 $1.546B ▲ $4.051B ▲ $1.713B ▲ $2.071B ▼
Q3-2023 $1.498B ▼ $4.005B ▼ $1.597B ▼ $2.14B ▲
Q2-2023 $1.612B $4.154B $1.907B $1.969B

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q4-2023 $-15.084M ▼ $55.312M ▲ $-35.479M ▼ $-44.607M ▼ $-31.002M ▼ $42.316M ▲
Q3-2023 $23.396M ▼ $12.826M ▼ $-33.991M ▼ $-7.114M ▲ $-28.581M ▼ $12.826M ▼
Q2-2023 $82.933M ▲ $52.385M ▲ $-30.399M ▲ $-30.558M ▼ $806K ▼ $52.385M ▲
Q1-2023 $60.479M ▼ $-18.736M ▼ $-134.439M ▼ $168.455M ▲ $12.57M ▼ $-18.736M ▼
Q4-2022 $65.508M $154.917M $-1.617M $31.695M $185.374M $77.171M

Five-Year Company Overview

Income Statement

Income Statement AIFU’s revenue has been fairly flat for several years and then dropped noticeably in the most recent year, which suggests some pressure on its core business volumes. Profit from day‑to‑day operations has weakened and actually turned negative recently, even though overall net income rose, likely helped by non‑operating gains or one‑off items. This mix means headline earnings look better than the underlying operating trend. Per‑share earnings figures are also distorted by large reverse stock splits, so they don’t cleanly reflect economic performance over time.

Balance Sheet

Balance Sheet The balance sheet looks relatively solid, with total assets and shareholders’ equity gradually building over the past few years. Debt remains modest compared with equity, which points to a conservative use of borrowing and a reasonable financial cushion. Cash on hand has come down from the prior year but is still within a workable range, suggesting no immediate liquidity red flag, though less of a buffer than before. Overall, AIFU appears to be funding itself mainly through its own capital rather than heavy leverage.

Cash Flow

Cash Flow AIFU has consistently generated positive cash from its operations, although the amounts are not especially large and have not grown meaningfully. After modest spending on technology and other long‑term assets, free cash flow has remained positive, which is a healthy sign for an asset‑light, service‑driven model. The pattern suggests a business that is self‑funding and relatively disciplined on investment, but not yet showing strong cash flow acceleration.

Competitive Edge

Competitive Edge AIFU operates in a niche part of the Chinese insurance and financial services market, where its strength comes from a large, integrated network of agents, partners, and platforms. Its AI‑powered tools, digital apps for agents, and data‑driven matching of customers to products create switching costs and make its ecosystem more valuable as more users join. Strategic partnerships, including those that tap into big data and healthcare resources, deepen this moat and make it harder for smaller or less‑tech‑savvy rivals to keep up. At the same time, the company still faces intense competition, regulatory complexity in China, and the challenge of continuously proving the value of its technology to partners and customers.

Innovation and R&D

Innovation and R&D Innovation is clearly a core focus: AIFU has built proprietary AI, big data, and automation systems that support underwriting, claims, customer service, and agent productivity. Its “insurance plus services” approach—combining insurance with wealth management, healthcare, and elderly care—shows it is trying to move beyond simple policy sales into a broader, tech‑enabled service platform. New initiatives such as AI‑driven healthcare solutions and an expanded AI insurance platform, supported by recent capital raising and partnerships, indicate an active pipeline of product and platform development. The key uncertainty is execution: turning advanced technology and ambitious roadmaps into consistently profitable, scalable offerings.

Summary

Overall, AIFU combines a relatively sound balance sheet and steady positive cash flow with a more mixed picture on the income statement, where underlying operations have recently softened despite decent reported earnings. The company’s real story lies in its technology‑driven strategy: an AI‑enabled ecosystem, strong digital tools for agents, and expansion into healthcare and wealth management services. If AIFU can translate these innovations into sustained revenue growth and stronger operating profitability, its position in China’s specialty insurance and financial services space could strengthen further. However, investors should recognize that recent profit quality, regulatory and competitive risks, and the need for consistent execution all add meaningful uncertainty to the outlook.