AIFU AIFU Inc. - Fundamental Analysis
BEARISH
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AIFU Stock | Fundamental Analysis & Investment Insights
NASDAQ
Financial Services
Insurance Brokers
Current Price
Live
$1.82
52W High
$9.4
52W Low
$1.5
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Feb 07, 2026
Market cap
$211.02M
P/E
0.15
ROE
-7.4%
Profit margin
-1.4%
Debt/Equity
0.07
Dividend yield
N/A
AI Analysis
Powered by advanced machine learning algorithms
Confidence Score
92%
Analysis Accuracy
AIFU exhibits weak financial health with a Piotroski F-Score of 6/9, indicating a stable but fragile position, and lacks an Altman Z-Score, raising unquantified distress risk. The stock trades at a deeply discounted valuation (P/E 0.15, Price/Book 0.03) relative to its intrinsic value of $85.75 and Graham Number of $123.19, suggesting potential undervaluation—but this is overshadowed by catastrophic revenue decline (-73.5% YoY), persistent losses (ROE -7.37%, Profit Margin -1.44%), and a 5-year price drop of 99.4%. Despite strong liquidity (Current Ratio 3.72), the company shows no earnings growth, poor analyst coverage, and a bearish technical trend. The combination of deteriorating fundamentals and extreme price deflation signals a high-risk, speculative profile.
Key Strengths
High current and quick ratios (3.72 and 3.68) indicate strong short-term liquidity
Extremely low Price/Book (0.03) and P/E (0.15) suggest deep undervaluation relative to book value
Graham Number ($123.19) and Intrinsic Value ($85.75) imply significant theoretical upside
Low Debt/Equity (0.07) reflects minimal leverage risk
Historical earnings surprises include several large positive outliers, indicating potential for recovery
Key Risks
Revenue growth collapsed by -73.5% YoY, signaling severe business contraction
Persistent losses across all profitability metrics (ROE -7.37%, Profit Margin -1.44%) with no signs of improvement
No analyst coverage or target price, indicating lack of institutional interest
Technical trend is bearish (0/100), with 1-year return of -76% and 5-year return of -99.4%
Piotroski F-Score of 6 is not strong enough to offset deteriorating fundamentals; no Altman Z-Score raises bankruptcy risk
AI Fair Value Estimate
Based on comprehensive analysis
$85.75
+4611.5% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
40
Moderate
85
20
55
40
0
AI Verdict
High Risk / Bearish
Key drivers: Catastrophic revenue decline, Persistent losses despite high liquidity, No analyst coverage, Extreme price deflation, Weak Piotroski F-Score with no Altman Z-Score
Confidence
90%
Value
85/100
Ref P/E, PEG, Graham Number
Positives
- P/E of 0.15 is extremely low
- Price/Book of 0.03 indicates deep discount to book value
- Graham Number ($123.19) and Intrinsic Value ($85.75) suggest strong theoretical upside
Watchpoints
- Current price ($1.82) is far below intrinsic value, but no growth or earnings support this
- Low PEG and lack of forward earnings data undermine valuation models
Future
20/100
Ref Growth rates
Positives
- Some historical earnings surprises were large and positive
- Low debt levels could support future restructuring
Watchpoints
- Revenue growth is -73.5% YoY, indicating business contraction
- Earnings growth is -52.6% YoY with no forward guidance
- No analyst coverage or target price implies no growth expectations
Past
55/100
Ref Historical trends
Positives
- Historical earnings have shown volatility with several large positive surprises
- Strong liquidity and low leverage in past periods
Watchpoints
- Consistent earnings declines over the last 4 quarters (average surprise -27.73%)
- Recent Q/Q EPS growth is -18.2%, indicating worsening performance
Health
40/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Low Debt/Equity (0.07) and high current/quick ratios suggest strong balance sheet liquidity
- No debt or cash data missing, indicating transparency
Watchpoints
- Piotroski F-Score of 6 is only stable, not strong
- No Altman Z-Score available, which is a critical red flag for distress risk
- Negative ROE, ROA, and profit margins indicate poor operational health
Dividend
0/100
Ref Yield, Payout
Positives
No standout positives identified.
Watchpoints
- No dividend yield or payout ratio
- Dividend Strength is 0/100, indicating no dividend policy
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$1.82
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for AIFU and closest competitors.
Updated 2026-02-06
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
AIFU
AIFU Inc.
Primary
|
-99.4% | -98.8% | -76.0% | -74.9% | -44.3% | -11.2% |
|
ATLO
Ames National Corporation
Peer
|
+26.8% | +16.5% | +43.4% | +34.4% | +5.2% | +3.1% |
|
ANTA
Antalpha Platform Holding Compa
Peer
|
-28.4% | -28.4% | -28.4% | -25.0% | -4.6% | -1.0% |
|
BKN
BlackRock Investment Quality Municipal Trust Inc.
Peer
|
-13.6% | +6.0% | +5.5% | +10.1% | +2.0% | -1.6% |
|
BNY
BlackRock New York Municipal Income Trust
Peer
|
-10.7% | +6.7% | +4.5% | +11.3% | +1.2% | -0.6% |
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
0.15
Forward P/E
3.37
PEG Ratio
N/A
P/B Ratio
0.03
P/S Ratio
0.18
EV/Revenue
-0.4
EV/EBITDA
7.58
Market Cap
$211.02M
Profitability
Profit margins and return metrics
Profit Margin
-1.44%
Operating Margin
-2.62%
Gross Margin
41.57%
ROE
-7.37%
ROA
-1.62%
Growth
Revenue and earnings growth rates
Revenue Growth
-73.5%
Earnings Growth
N/A
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
N/A
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
0.07
Low debt
Current Ratio
3.72
Strong
Quick Ratio
3.68
Excellent
Cash/Share
$113.13
Quarterly Earnings History
EPS performance vs analyst estimates
2022-08-23
$0.09
-32.5% surprise
2022-05-26
$0.11
+11.3% surprise
2022-03-28
$0.12
-62.0% surprise
2021-11-23
$0.1
Financial Services Sector Comparison
Comparing AIFU against 208 companies in the Financial Services sector
(6 bullish, 111 neutral, 91 bearish)
P/E Ratio
0.15
This Stock
vs
30.39
Sector Avg
-99.5%
(Discount)
Return on Equity (ROE)
-7.37%
This Stock
vs
-7.57%
Sector Avg
-2.7%
(Below Avg)
Profit Margin
-1.44%
This Stock
vs
83.86%
Sector Avg
-101.7%
(Weaker)
Debt to Equity
0.07
This Stock
vs
1.51
Sector Avg
-95.7%
(Less Debt)
Revenue Growth
-73.5%
This Stock
vs
30.29%
Sector Avg
-342.7%
(Slower)
Current Ratio
3.72
This Stock
vs
3.78
Sector Avg
-1.6%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
AIFU
AIFU Inc.
|
BEARISH | $211.02M | 0.15 | -7.4% | -1.4% | $1.82 | |
|
ATLO
Ames National Corporation
|
NEUTRAL | $215.81M | 13.56 | 8.3% | 26.5% | $24.27 | |
|
ANTA
Antalpha Platform Holding Compa
|
BEARISH | $217.12M | 19.93 | 13.4% | 16.6% | $9.17 | |
|
BKN
BlackRock Investment...
|
BEARISH | $192.88M | - | -6.2% | -81.7% | $11.21 | |
|
BNY
BlackRock New York...
|
BEARISH | $244.55M | - | -8.6% | -115.2% | $10.14 |
Past News Coverage
Recent headlines mentioning AIFU from our newsroom.
Newest → oldest
No matching news yet.