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Investment Highlights Market Valuation Price Chart Return vs. Risk About AIFU Interactive Breakdown Better Bets vs. AIFU Latest Trefis Analyses Trade Ideas Recent Active Movers More From Trefis Peer Financials Peer Growth & Margins Peer Valuation Peer Returns Peer Analyses FDIC Bank Data Financials Segment Financials Price Behavior Short Interest Earnings Returns History SEC Filings Insider Activity Industry Resource Links External Quote Links

AIFU (AIFU)

Market Price (10/31/2025): $4.33 | Market Cap: $11.6 Mil
Sector: Financials | Industry: Insurance Brokers

AIFU (AIFU)

Market Price (10/31/2025): $4.33
Market Cap: $11.6 Mil
Sector: Financials
Industry: Insurance Brokers

Investment Highlights Why It Matters Which of these 2 stories sounds closer for this stock?

1. Generates cash flow

The stock generated 4% or more of the share price (called cash flow yield), and shows moderate 10-15% or more growth.

2. Riding a trend

Think Tesla during the pandemic of 2020 when EVs were riding a cultural high, or Nvidia in the current AI boom, or even Figma. These companies don’t have enough yield, or, enough growth, or both - however - they are riding a trend. They have momentum. These can be more volatile - they don’t have the floor of strong cash flow

0 Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 2484%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 2479%, FCF Yield is 901%		 Weak multi-year price returns
2Y Excs Rtn is -162%, 3Y Excs Rtn is -173%		 Weak revenue growth
Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is 0.0%, Rev Chg QQuarterly Revenue Change % is -21%
1 Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -11098%		  Valuation getting more expensive
P/S 6M Chg %Price/Sales change over 6 months. Declining P/S indicates valuation has become less expensive. is 2486%
2   High stock price volatility
Vol 12M is 152%
0 Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 2484%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 2479%, FCF Yield is 901%
1 Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -11098%
2 Weak multi-year price returns
2Y Excs Rtn is -162%, 3Y Excs Rtn is -173%
3 Weak revenue growth
Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is 0.0%, Rev Chg QQuarterly Revenue Change % is -21%
4 Valuation getting more expensive
P/S 6M Chg %Price/Sales change over 6 months. Declining P/S indicates valuation has become less expensive. is 2486%
5 High stock price volatility
Vol 12M is 152%

Market Valuation & Key Metrics

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AIFU Stock

   
   
   
   
   
   
   
Factor Drivers of Stock Movement
The 35.2% change in AIFU stock from 5/1/2025 to 10/30/2025 was primarily driven by a 35.2% change in the company's P/E Multiple.

501202510302025Change
Stock Price ($)3.124.2235.17%
Change Contribution ByLTMLTM
Total Revenues ($ Mil)3198.393198.390.00%
Net Income Margin (%)8.77%8.77%0.00%
P/E Multiple0.030.0435.17%
Shares Outstanding (Mil)2.682.680.00%
Cumulative Contribution35.17%

LTM = Last Twelve Months as of date shown
The -83.8% change in AIFU stock from 10/30/2024 to 10/30/2025 was primarily driven by a -83.8% change in the company's P/E Multiple.

1030202410302025Change
Stock Price ($)26.104.22-83.83%
Change Contribution ByLTMLTM
Total Revenues ($ Mil)3198.393198.390.00%
Net Income Margin (%)8.77%8.77%0.00%
P/E Multiple0.250.04-83.83%
Shares Outstanding (Mil)2.682.680.00%
Cumulative Contribution-83.83%

LTM = Last Twelve Months as of date shown
The -95.6% change in AIFU stock from 10/31/2022 to 10/30/2025 was primarily driven by a -99.4% change in the company's P/E Multiple.

1031202210302025Change
Stock Price ($)96.604.22-95.63%
Change Contribution ByLTMLTM
Total Revenues ($ Mil)2875.673198.3911.22%
Net Income Margin (%)1.37%8.77%538.68%
P/E Multiple6.570.04-99.39%
Shares Outstanding (Mil)2.692.680.35%
Cumulative Contribution-95.63%

LTM = Last Twelve Months as of date shown

Return vs. Risk

Price Returns Compared

 202020212022202320242025Total [1]
Returns
AIFU Return-51%-36%19%-10%-83%-81%-99%
Peers Return3%22%-15%-10%4%-29%-30%
S&P 500 Return16%27%-19%24%23%16%110%

Monthly Win Rates [3]
AIFU Win Rate25%42%42%42%25%44% 
Peers Win Rate36%47%28%37%57%42% 
S&P 500 Win Rate58%75%42%67%75%67% 

Max Drawdowns [4]
AIFU Max Drawdown-51%-41%-35%-29%-84%-90% 
Peers Max Drawdown-12%-4%-26%-19%-13%-31% 
S&P 500 Max Drawdown-31%-1%-25%-1%-2%-15% 

[1] Cumulative total returns since the beginning of 2020
[2] Peers: WTW, TIRX, ZBAO, MMC, AON.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2025 data is for the year up to 10/30/2025 (YTD)

How Low Can It Go

Unique KeyEventAIFUS&P 500
2022 Inflation Shock2022 Inflation Shock  
2022 Inflation Shock% Loss% Loss-73.1%-25.4%
2022 Inflation Shock% Gain to Breakeven% Gain to Breakeven272.1%34.1%
2022 Inflation ShockTime to BreakevenTime to BreakevenNot Fully Recovered days464 days
2020 Covid Pandemic2020 Covid Pandemic  
2020 Covid Pandemic% Loss% Loss-55.9%-33.9%
2020 Covid Pandemic% Gain to Breakeven% Gain to Breakeven126.9%51.3%
2020 Covid PandemicTime to BreakevenTime to BreakevenNot Fully Recovered days148 days
2018 Correction2018 Correction  
2018 Correction% Loss% Loss-45.4%-19.8%
2018 Correction% Gain to Breakeven% Gain to Breakeven83.2%24.7%
2018 CorrectionTime to BreakevenTime to BreakevenNot Fully Recovered days120 days
2008 Global Financial Crisis2008 Global Financial Crisis  
2008 Global Financial Crisis% Loss% Loss-77.8%-56.8%
2008 Global Financial Crisis% Gain to Breakeven% Gain to Breakeven350.5%131.3%
2008 Global Financial CrisisTime to BreakevenTime to Breakeven469 days1480 days

Compare to WTW, TIRX, ZBAO, MMC, AON


In The Past

AIFU's stock fell -73.1% during the 2022 Inflation Shock from a high on 1/27/2021. A -73.1% loss requires a 272.1% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth over time.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

About AIFU (AIFU)

Better Bets than AIFU (AIFU)

 AIFUBetter Performance than AIFU
MetricValueIndustry (Insurance Brokers)
Rev Chg LTM15.0%AON (18.3%), BRO (17.4%), RYAN (23.3%), GSHD (24.8%), SLQT (15.5%)
Rev Chg 3Y Avg0.0%MMC (8.3%), AON (10.6%), AJG (13.3%), WTW (3.4%), BRO (16.3%)
Op Mgn LTM6.1%MMC (23.2%), AON (25.7%), AJG (21.1%), WTW (22.5%), BRO (27.5%)
CFO/Rev LTM3.2%MMC (19.2%), AON (18.8%), AJG (17.0%), WTW (14.3%), BRO (25.6%)
FCF/Rev LTM3.2%MMC (18.2%), AON (17.4%), AJG (15.8%), WTW (12.0%), BRO (24.3%)
Total Yield2483.5%
 AIFUBetter Performance than AIFU
MetricValueAll Other Sectors
Rev Chg LTM15.0%NVDA (71.6%), MSFT (15.6%), AVGO (28.0%), META (21.3%), LLY (36.8%)
Rev Chg 3Y Avg0.0%NVDA (92.0%), AAPL (1.8%), MSFT (13.2%), GOOGL (11.0%), AMZN (11.3%)
Op Mgn LTM6.1%NVDA (58.1%), AAPL (31.9%), MSFT (46.3%), GOOGL (32.2%), AMZN (11.4%)
CFO/Rev LTM3.2%NVDA (46.6%), AAPL (26.6%), MSFT (50.0%), GOOGL (39.3%), AMZN (18.1%)
FCF/Rev LTM3.2%NVDA (43.6%), AAPL (23.5%), MSFT (26.6%), GOOGL (19.1%), AVGO (41.6%)
Total Yield2483.5%SLB (9751.7%), CHR (3458.8%), TAOP (3072.9%), KXIN (234747.7%)
 Best Bets In Financials Sector
 AIFUDBRG OTF MTG NMIH CACC ENVA FNF ACGL APAM FI
What You Pay           
P/E0.039.713.28.47.512.310.213.98.610.510.6
P/EBIT0.164.79.06.45.59.97.88.97.66.15.8
What You Get           
Rev Chg Q-21.4%-102.4%1,228.5%-0.7%7.2%8.3%16.3%16.8%22.4%4.4%8.0%
Rev Chg LTM15.0%-84.8%89.0%2.2%10.0%12.5%21.1%7.4%23.5%10.0%6.7%
Rev Chg 3Y Avg0.0%125.8%221.9%1.2%10.1%6.9%23.5%-0.7%29.8%0.2%7.5%
FCF/Rev 3Y Avg4.0%101.2%76.2%62.2%58.8%57.1%54.7%50.8%38.4%29.0%20.7%

[1] Choosing top 10 best bets from each sector quarterly is an alpha producing strategy vs sector benchmark
[2] Historical annualized return of 21%, alpha of 9.1%, and sharpe of 0.94

Trade Ideas

Select past ideas related to AIFU. For more, see Trefis Trade Ideas.

Unique KeyDateTickerCompanyCategoryTrade Strategy6M Fwd Rtn12M Fwd Rtn12M Max DD
HLNE_9302025_Dip_Buyer_FCFYield09302025HLNEHamilton LaneDip BuyDB | FCFY OPMDip Buy with High FCF Yield and High Margin
Buying dips for companies with high FCF yield and meaningfully high operating margin		-14.4%-14.4%-14.4%
CNS_9302025_Dip_Buyer_ValueBuy09302025CNSCohen & SteersDip BuyDB | P/E OPMDip Buy with Low PE and High Margin
Buying dips for companies with tame PE and meaningfully high operating margin		5.9%5.9%-1.6%
JKHY_9262025_Monopoly_xInd_xCD_Getting_Cheaper09262025JKHYJack Henry & AssociatesMonopolyMY | Getting CheaperMonopoly-Like with P/S Decline
Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple		0.3%0.3%-2.1%
FDS_9192025_Monopoly_xInd_xCD_Getting_Cheaper09192025FDSFactSet Research SystemsMonopolyMY | Getting CheaperMonopoly-Like with P/S Decline
Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple		-7.7%-7.7%-7.7%
IBKR_9052025_Quality_Momentum_RoomToRun_10%09052025IBKRInteractive BrokersQualityQ | Momentum | UpsideQuality Stocks with Momentum and Upside
Buying quality stocks with strong momentum but still having room to run		15.0%15.0%0.0%
Unique KeyDateTickerCompanyCategoryTrade Strategy6M Fwd Rtn12M Fwd Rtn12M Max DD
HLNE_9302025_Dip_Buyer_FCFYield09302025HLNEHamilton LaneDip BuyDB | FCFY OPMDip Buy with High FCF Yield and High Margin
Buying dips for companies with high FCF yield and meaningfully high operating margin		-14.4%-14.4%-14.4%
CNS_9302025_Dip_Buyer_ValueBuy09302025CNSCohen & SteersDip BuyDB | P/E OPMDip Buy with Low PE and High Margin
Buying dips for companies with tame PE and meaningfully high operating margin		5.9%5.9%-1.6%
JKHY_9262025_Monopoly_xInd_xCD_Getting_Cheaper09262025JKHYJack Henry & AssociatesMonopolyMY | Getting CheaperMonopoly-Like with P/S Decline
Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple		0.3%0.3%-2.1%
FDS_9192025_Monopoly_xInd_xCD_Getting_Cheaper09192025FDSFactSet Research SystemsMonopolyMY | Getting CheaperMonopoly-Like with P/S Decline
Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple		-7.7%-7.7%-7.7%
IBKR_9052025_Quality_Momentum_RoomToRun_10%09052025IBKRInteractive BrokersQualityQ | Momentum | UpsideQuality Stocks with Momentum and Upside
Buying quality stocks with strong momentum but still having room to run		15.0%15.0%0.0%

Recent Active Movers

1 Week Top Gainers

#TickerCompany1W RtnYTD Rtn
1INBXInhibrx Biosciences176.8%409.8%
2PUMPProPetro71.2%16.2%
3RNAAvidity Biosciences43.5%139.6%
4DYNDyne Therapeutics42.8%-0.0%
5GCIGannett39.3%3.8%
6FORMFormFactor38.3%34.7%
7MBXMBX Biosciences35.1%18.2%
8BBNXBeta Bionics33.8% 
9GHGuardant Health33.3%202.5%
10LUMNLumen Technologies32.7%94.7%

1 Week Top Losers

#TickerCompany1W RtnYTD Rtn
1PMIPicard Medical-75.2%5106.3%
2LRNStride-56.1%-35.8%
3NTLAIntellia Therapeutics-52.6%5.2%
4FMCFMC-48.7%-66.6%
5FIFiserv-47.4%-68.3%
6VRNSVaronis Systems-43.8%-21.2%
7THRYThryv-33.4%-44.8%
8NFENew Fortress Energy-30.5%-91.9%
9AKBAAkebia Therapeutics-29.5%10.5%
10UAMYUnited States Antimony-28.9%371.2%

1 Month Top Gainers

#TickerCompany1M RtnYTD Rtn
1PRAXPraxis Precision Medicines279.1%161.2%
2INBXInhibrx Biosciences131.0%409.8%
3PUMPProPetro99.6%16.2%
4DYNDyne Therapeutics88.4%-0.0%
5VICRVicor85.4%89.2%
6CELCCelcuity74.6%503.2%
7GLUEMonte Rosa Therapeutics73.5%87.5%
8NVTSNavitas Semiconductor72.1%251.8%
9LUMNLumen Technologies70.3%94.7%
10BALYBallys63.4%4.1%

1 Month Top Losers

#TickerCompany1M RtnYTD Rtn
1PMIPicard Medical-62.9%5106.3%
2LRNStride-53.8%-35.8%
3FMCFMC-51.0%-66.6%
4FIFiserv-48.3%-68.3%
5NFENew Fortress Energy-43.6%-91.9%
6VGVenture Global-41.7% 
7OGNOrganon-40.2%-55.0%
8VRNSVaronis Systems-39.5%-21.2%
9ITGRInteger-38.5%-52.2%
10LENZLENZ Therapeutics-37.9%5.5%

Recent Active Movers

1 Week Top Gainers

#TickerCompany1W RtnYTD Rtn
1INBXInhibrx Biosciences176.8%409.8%
2PUMPProPetro71.2%16.2%
3RNAAvidity Biosciences43.5%139.6%
4DYNDyne Therapeutics42.8%-0.0%
5GCIGannett39.3%3.8%
6FORMFormFactor38.3%34.7%
7MBXMBX Biosciences35.1%18.2%
8BBNXBeta Bionics33.8% 
9GHGuardant Health33.3%202.5%
10LUMNLumen Technologies32.7%94.7%

1 Week Top Losers

#TickerCompany1W RtnYTD Rtn
1PMIPicard Medical-75.2%5106.3%
2LRNStride-56.1%-35.8%
3NTLAIntellia Therapeutics-52.6%5.2%
4FMCFMC-48.7%-66.6%
5FIFiserv-47.4%-68.3%
6VRNSVaronis Systems-43.8%-21.2%
7THRYThryv-33.4%-44.8%
8NFENew Fortress Energy-30.5%-91.9%
9AKBAAkebia Therapeutics-29.5%10.5%
10UAMYUnited States Antimony-28.9%371.2%

More From Trefis

Research & Analysis

Invest in Strategies

Wealth Management

Peer Comparisons for AIFU

Financials

AIFUWTWTIRXZBAOMMCAONMedian
NameAIFU Willis T.Tian Rui.Zhibao T.Marsh & .Aon  
Mkt Price4.22317.000.981.00178.67328.1991.44
Mkt Cap0.031.4--87.771.051.2
Rev LTM3,1989,808--26,45316,75213,280
Op Inc LTM1962,206--6,1464,3053,256
FCF LTM1021,179--4,8252,9122,046
FCF 3Y Avg1221,010--4,0572,9251,968
CFO LTM1021,407--5,0873,1492,278
CFO 3Y Avg1221,246--4,3983,1652,205

Growth & Margins

AIFUWTWTIRXZBAOMMCAONMedian
NameAIFU Willis T.Tian Rui.Zhibao T.Marsh & .Aon  
Rev Chg LTM15.0%1.3%--10.5%18.3%12.7%
Rev Chg 3Y Avg0.0%3.4%--8.3%10.6%5.9%
Rev Chg Q-21.4%-0.2%--11.5%10.5%5.2%
QoQ Delta Rev Chg LTM-4.9%-0.0%--2.5%2.4%1.2%
Op Mgn LTM6.1%22.5%--23.2%25.7%22.9%
Op Mgn 3Y Avg7.1%20.5%--23.1%27.3%21.8%
QoQ Delta Op Mgn LTM-1.7%0.6%---0.3%0.3%-0.0%
CFO/Rev LTM3.2%14.3%--19.2%18.8%16.6%
CFO/Rev 3Y Avg4.0%13.0%--18.1%22.0%15.6%
FCF/Rev LTM3.2%12.0%--18.2%17.4%14.7%
FCF/Rev 3Y Avg4.0%10.6%--16.7%20.3%13.6%

Valuation

AIFUWTWTIRXZBAOMMCAONMedian
NameAIFU Willis T.Tian Rui.Zhibao T.Marsh & .Aon  
Mkt Cap0.031.4--87.771.051.2
P/S0.03.2--3.34.23.3
P/EBIT0.155.1--13.617.215.4
P/E0.0229.1--21.327.324.3
P/CFO0.122.3--17.222.519.8
Total Yield2,483.5%1.3%--6.6%4.5%5.6%
Dividend Yield0.0%0.9%--1.9%0.8%0.9%
FCF Yield 3Y Avg1,663.8%3.6%--4.0%4.2%4.1%
D/E25.90.2--0.20.30.3
Net D/E-111.00.1--0.20.10.1

Returns

AIFUWTWTIRXZBAOMMCAONMedian
NameAIFU Willis T.Tian Rui.Zhibao T.Marsh & .Aon  
1M Rtn-19.3%-8.2%-52.4%0.0%-11.3%-8.0%-9.8%
3M Rtn-43.8%0.6%-80.8%14.9%-9.9%-7.7%-8.8%
6M Rtn35.2%4.1%-85.9%-10.3%-19.5%-6.4%-8.4%
12M Rtn-83.8%9.2%-89.9%-68.3%-17.9%-10.5%-43.1%
3Y Rtn-95.6%51.0%-98.6%-15.7%19.2%15.7%
1M Excs Rtn-22.9%-9.5%-54.5%-7.3%-12.9%-10.5%-11.7%
3M Excs Rtn-49.2%-8.4%-89.2%-7.3%-18.6%-16.5%-17.6%
6M Excs Rtn13.4%-17.7%-107.7%-32.1%-41.3%-28.2%-30.1%
12M Excs Rtn-101.5%-7.4%-107.7%-85.2%-35.3%-28.2%-60.3%
3Y Excs Rtn-172.5%-20.9%-175.4%--54.8%-56.7%-56.7%

Financials

$ Mil | FY: 12/312023Q42023Q32023Q22023Q12022Q42022Q32022Q22022Q12021Q42021Q32021Q22021Q1
Period End12/31/20239/30/20236/30/20233/31/202312/31/20229/30/20226/30/20223/31/202212/31/20219/30/20216/30/20213/31/2021
Filing Date4/29/202411/20/20239/1/20235/30/20234/25/202311/25/20228/24/20225/27/20224/29/202211/24/20218/24/20215/28/2021
Key Financials Quarterly            
Total Revenue6036351,1338287676257036868036846901,095
Net Income-271717760713532-38113467138
EPS-12.0064.0028.0024.0028.0012.0012.00-16.004.0012.0024.0052.00
Key Financials TTM            
Total Revenue TTM3,1983,3623,3522,9232,7822,8172,8762,8623,2713,3203,4493,641
Net Income TTM280378243199100413975251288329361
Growth Rates Quarterly            
Total Revenue Growth-21.4%1.6%61.1%20.6%-4.4%-8.6%1.9%-37.3%-5.8%-15.8%-21.7%51.5%
Net Income Growth-138.5%382.6%138.2%259.8%545.0%3.3%-52.3%-127.3%-77.1%-54.5%-32.1%202.2%
Margins Quarterly            
Net Income Margin-4.5%26.9%6.8%7.3%9.2%5.7%4.6%-5.5%1.4%5.0%9.8%12.6%
Cash & Debt            
Total Cash1,5461,4981,6121,2719159181,0901,5401,4351,3981,4481,624
Total Debt293304306335172166175194215192184185
Net Debt / (Cash)-1,253-1,194-1,306-936-743-752-915-1,346-1,220-1,206-1,263-1,440
Cash Flows Quarterly            
FCF from Operations551352-191552050-876818-4080
Cash Flows TTM            
FCF from Operations TTM1022012082061385149-41126159268348
Returns to Shareholders Quarterly            
Dividends00000052051521390
Share Repurchases17222-04-0-0-0-0-0-0-0
Return on Invested Capital (ROIC) Quarterly            
ROIC------------
Return on Invested Capital (ROIC) TTM            
ROIC TTM------------

Short Interest

Short Interest: As Of Date10152025
Short Interest: Shares Quantity27,565
Short Interest: % Change Since 9302025-3.4%
Average Daily Volume11,287
Days-to-Cover Short Interest2.44
Basic Shares Quantity2,676,198
Short % of Basic Shares1.0%

SEC Filings

Expand for More

Report DateFiling DateFiling
630202593020256-K 6/30/2025
12312024425202520-F 12/31/2024
630202491820246-K 6/30/2024
12312023429202420-F 12/31/2023
9302023112020236-K 9/30/2023
630202390120236-K 6/30/2023
331202353020236-K 3/31/2023
12312022425202320-F 12/31/2022
9302022112520226-K 9/30/2022
630202282420226-K 6/30/2022
331202252720226-K 3/31/2022
12312021429202220-F 12/31/2021
9302021112420216-K 9/30/2021
630202182420216-K 6/30/2021
331202152820216-K 3/31/2021
12312020428202120-F 12/31/2020

Insider Activity

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Industry Resources

External Quote Links


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