# AIFU Inc. (AIFU) fundamentals

Data as of 2026-11-04. NASDAQ, United States. Sector: Financial Services / Insurance. Price $9.40, market value $479 million.

## Valuation
- **P/E (trailing): n/a** (negative earnings). AIFU Inc. reported negative earnings over the last twelve months, so the P/E is not meaningful; use price-to-sales, EV/EBITDA and free-cash-flow yield instead.
- **Price / sales: 6.0×**. Each dollar of revenue is priced at 6.0×.
- **Price / book: 0.4×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **Free-cash-flow yield: -0.6%** (5-yr avg 0.2%). Free cash flow is negative: the business is consuming cash, which is normal for heavy investment phases but a warning otherwise.

## Profitability
- **Operating margin: -7.0%**. Operating margin is negative: the business loses money before interest and tax.
- **Net margin: -408.8%**. The company reported a net loss over the last twelve months.
- **Return on equity: -475.5%**. Return on equity is negative because earnings are negative.
- **Return on invested capital: -7.8%**. Return on all capital, debt included, is -7.8%: close to or below the cost of capital, so growth may not create value.
- **Return on assets: -148.9%**. Each dollar of assets produces -148.9% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): -67.9%** (3-yr -41.8%/yr, 5-yr -30.8%/yr). Revenue fell 67.9% over the last year, against -30.8% a year compounded over five years: growth is slowing.

## Financial health
- **Piotroski F-score: 1/9**. 1 of 9 checks pass: weak or deteriorating financials.
- **Cash and short-term investments: $4 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend: none**. AIFU Inc. does not currently pay a dividend.

## Price and momentum
- **Total return (1 yr): -89.0%** (YTD -81.9%, 3-mo -73.0%). The shares are down 89.0% over twelve months including dividends.
- **From 52-week high: -89.6%** (15.1% above the low). Trading 90% below its 52-week high, deep in a drawdown.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 41**. An RSI of 41 is neutral.
- **Beta (1 yr): 1.13** (volatility 137%). Beta of 1.13 against the S&P 500: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=AIFU · Page: https://foliofundamentals.com/stocks/aifu

Not investment advice.