Tearsheet

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  Weak multi-year price returns
2Y Excs Rtn is -160%, 3Y Excs Rtn is -175%
Penny stock
Mkt Price is 1.0
0 Weak multi-year price returns
2Y Excs Rtn is -160%, 3Y Excs Rtn is -175%
1 Penny stock
Mkt Price is 1.0

Market Valuation & Key Metrics

TIRX Stock


Return vs. Risk


Price Returns Compared

 202020212022202320242025Total [1]
Returns
TIRX Return---78%-63%-50%-89%-100%
Peers Return3%22%-15%-10%4%-29%-30%
S&P 500 Return16%27%-19%24%23%16%110%

Monthly Win Rates [3]
TIRX Win Rate-27%25%25%25%33% 
Peers Win Rate36%47%28%37%57%42% 
S&P 500 Win Rate58%75%42%67%75%67% 

Max Drawdowns [4]
TIRX Max Drawdown---79%-66%-58%-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 KeyEventTIRXS&P 500
2022 Inflation Shock2022 Inflation Shock  
2022 Inflation Shock% Loss% Loss-99.9%-25.4%
2022 Inflation Shock% Gain to Breakeven% Gain to Breakeven76082.5%34.1%
2022 Inflation ShockTime to BreakevenTime to BreakevenNot Fully Recovered days464 days

Compare to WTW, TIRX, ZBAO, MMC, AON


In The Past

Tian Ruixiang's stock fell -99.9% during the 2022 Inflation Shock from a high on 4/6/2021. A -99.9% loss requires a 76082.5% 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 Tian Ruixiang (TIRX)

Trade Ideas

Select past ideas related to TIRX. 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
-15.3%-15.3%-15.3%
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
6.0%6.0%-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
-7.0%-7.0%-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
13.9%13.9%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
-15.3%-15.3%-15.3%
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
6.0%6.0%-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
-7.0%-7.0%-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
13.9%13.9%0.0%

Recent Active Movers

Recent Active Movers

More From Trefis

Peer Comparisons for Tian Ruixiang

Financials

TIRXWTWZBAOMMCAONMedian
NameTian Rui.Willis T.Zhibao T.Marsh & .Aon  
Mkt Price0.98317.001.00178.67328.19178.67
Mkt Cap-31.4-87.771.071.0
Rev LTM-9,808-26,45316,75216,752
Op Inc LTM-2,206-6,1464,3054,305
FCF LTM-1,179-4,8252,9122,912
FCF 3Y Avg-1,010-4,0572,9252,925
CFO LTM-1,407-5,0873,1493,149
CFO 3Y Avg-1,246-4,3983,1653,165

Growth & Margins

TIRXWTWZBAOMMCAONMedian
NameTian Rui.Willis T.Zhibao T.Marsh & .Aon  
Rev Chg LTM-1.3%-10.5%18.3%10.5%
Rev Chg 3Y Avg-3.4%-8.3%10.6%8.3%
Rev Chg Q--0.2%-11.5%10.5%10.5%
QoQ Delta Rev Chg LTM--0.0%-2.5%2.4%2.4%
Op Mgn LTM-22.5%-23.2%25.7%23.2%
Op Mgn 3Y Avg-20.5%-23.1%27.3%23.1%
QoQ Delta Op Mgn LTM-0.6%--0.3%0.3%0.3%
CFO/Rev LTM-14.3%-19.2%18.8%18.8%
CFO/Rev 3Y Avg-13.0%-18.1%22.0%18.1%
FCF/Rev LTM-12.0%-18.2%17.4%17.4%
FCF/Rev 3Y Avg-10.6%-16.7%20.3%16.7%

Valuation

TIRXWTWZBAOMMCAONMedian
NameTian Rui.Willis T.Zhibao T.Marsh & .Aon  
Mkt Cap-31.4-87.771.071.0
P/S-3.2-3.34.23.3
P/EBIT-55.1-13.617.217.2
P/E-229.1-21.327.327.3
P/CFO-22.3-17.222.522.3
Total Yield-1.3%-6.6%4.5%4.5%
Dividend Yield-0.9%-1.9%0.8%0.9%
FCF Yield 3Y Avg-3.6%-4.0%4.2%4.0%
D/E-0.2-0.20.30.2
Net D/E-0.1-0.20.10.1

Returns

TIRXWTWZBAOMMCAONMedian
NameTian Rui.Willis T.Zhibao T.Marsh & .Aon  
1M Rtn-52.4%-8.2%0.0%-11.3%-8.0%-8.2%
3M Rtn-80.8%0.6%14.9%-9.9%-7.7%-7.7%
6M Rtn-85.9%4.1%-10.3%-19.5%-6.4%-10.3%
12M Rtn-89.9%9.2%-68.3%-17.9%-10.5%-17.9%
3Y Rtn-98.6%51.0%-15.7%19.2%17.4%
1M Excs Rtn-54.5%-9.5%-7.3%-12.9%-10.5%-10.5%
3M Excs Rtn-89.2%-8.4%-7.3%-18.6%-16.5%-16.5%
6M Excs Rtn-107.7%-17.7%-32.1%-41.3%-28.2%-32.1%
12M Excs Rtn-107.7%-7.4%-85.2%-35.3%-28.2%-35.3%
3Y Excs Rtn-175.4%-20.9%--54.8%-56.7%-55.8%

Financials

Segment Financials

Revenue by Segment

$ Mil20242023202220212020
Insurance brokerage services113  
Insurance related risk management services0000 
Commissions   32
Total11332


Short Interest

Short Interest: As Of Date10152025
Short Interest: Shares Quantity52,613
Short Interest: % Change Since 930202531.0%
Average Daily Volume538,498
Days-to-Cover Short Interest1

SEC Filings

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Report DateFiling DateFiling
430202582220256-K 4/30/2025
10312024131202520-F 10/31/2024
430202481620246-K 4/30/2024
10312023717202420-F 10/31/2023
4302023103020236-K 4/30/2023
10312022315202320-F 10/31/2022
4302022102720226-K 4/30/2022
10312021307202220-F 10/31/2021
430202181020216-K 4/30/2021
10312020426202120-F 10/31/2020
103120191272021424B4 10/31/2019
1031201812272019F-1 10/31/2018

Insider Activity

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