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AIFU · Nasdaq · United States · Insurance Agents, Brokers & Service
In shortAIFU Inc. is loss-making.
Financial health
Weak
Built from five areas over the last five annual reports. Tap an area to see the figures behind it. Bank or insurer: tests that do not apply to them are left out.
| Operating marginShare of each sale left after running the business, before interest and tax. | -7.0% | 0/100 |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | -408.8% | 0/100 |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | -150.4% | 0/100 |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | -3.5% | n/a |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | – | n/a |
| Years with positive free cash flow (last 5) | 4 of 5 | n/a |
Weight in the score: 20%
| Profitable years (last 5) | 4 of 5 | 80/100 |
|---|---|---|
| Years of revenue decline (last 5) | 4 of 5 | 0/100 |
| Revenue growth volatility | 28.0% | 7/100 |
| Operating margin volatility | 17.8% | 0/100 |
Weight in the score: 20%
| Revenue growth, 3-year average | -41.5% | 0/100 |
|---|---|---|
| EPS growth, 3-year average | – | n/a |
Weight in the score: 10%
Fiscal year 2025 · change vs prior year
Annual figures as reported. Hover a bar or point for the exact value.
5 older years available with the 10-year history. Essential plan, from €8.25/month →
The last 5 fiscal years from the company's annual reports.
CNY millions; negative values in parentheses.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | 3,271 | 2,782 | 2,760 | 1,332 | 557 |
| Operating income | 302 | 169 | 176 | (447) | (39) |
| Pre-tax income | 371 | 196 | 349 | 401 | (2,273) |
| Income tax | 91 | 41 | 59 | 92 | 4 |
| Net income | 251 | 100 | 280 | 455 | (2,275) |
| Diluted EPS | ¥0.23 | ¥0.09 | ¥0.26 | ¥0.42 | – |
| Diluted shares (millions) | 1,074 | 1,074 | 2.7 | 2.7 | 10 |
5 older years available with the 10-year history. Essential plan, from €8.25/month →
Not computed: the model does not apply to banks and insurers.
3/9
Nine yes-or-no tests on profitability, debt, liquidity and efficiency versus the prior year. 7 to 9 is strong, 0 to 3 is weak.
All figures: SEC EDGAR. Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Dec 31, 2025 · Data updated Apr 28, 2026