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Friday 6 November 2026
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AIFU Inc. - Sponsored ADR
AIFU Financial Insurance Brokers
AIFU Inc. - Sponsored ADR’s revenue for fiscal 2025 (year ended December 2025) was $79.6 million, down 67.9% from fiscal 2024.
7.86
0.71
−8.28%
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Free accountTen years at a glance Fiscal years to December
| Ten-year view | Analyst estimates Powerpack | |||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group | Line | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM Jun ’26 | Trend | 10 yrs | 2026e | 2027e | 2028e | Next 3/yr |
| Income, $m | ||||||||||||||||||
| Income, $m | Revenue | 677 | 628 | 505 | 532 | 501 | 513 | 403 | 450 | 248 | 80 | 450 | (21.2%) | — | — | — | — | |
| Gross margin, % | 23.19 | 25.17 | 32.42 | 32.99 | 32.26 | 35.34 | 35.45 | 32.92 | 38.48 | 49.28 | 32.92 | +26.1 pt | ||||||
| EBT | 21 | 78 | 97 | 81 | 56 | 58 | 28 | 49 | 57 | (325) | 49 | n/m | ||||||
| EBT margin, % | 3.14 | 12.35 | 19.22 | 15.14 | 11.09 | 11.34 | 7.06 | 10.94 | 22.85 | (408.44) | 10.94 | (411.6) pt | ||||||
| Net income | 24 | 69 | 90 | 28 | 42 | 41 | 12 | 41 | 42 | (325) | (44) | n/m | ||||||
| Per share, $ | ||||||||||||||||||
| Per share, $ | Revenue | 4,665.96 | 4,080.43 | 3,259.35 | 3,897.03 | 3,732.23 | 3,824.96 | 3,002.95 | 3,354.31 | 1,859.03 | 157.07 | 3,354.31 | (31.4%) | |||||
| Earnings | 156.00 | 452.00 | 572.00 | 200.00 | 308.00 | 292.00 | 108.00 | 296.00 | 468.00 | (644.20) | 295.76 | n/m | ||||||
| Cash flow | 87.20 | 151.82 | 491.85 | 187.52 | 459.42 | 147.56 | 148.71 | 106.75 | 146.81 | (4.59) | 0.00 | n/m | ||||||
| Capex | (71.31) | (20.70) | (21.18) | (20.66) | (17.04) | (34.80) | (79.83) | (10.43) | (5.48) | 2.92 | 0.00 | n/m | ||||||
| Free cash flow | 15.89 | 131.12 | 470.66 | 166.86 | 442.38 | 112.76 | 68.88 | 96.31 | 141.33 | (1.67) | 0.00 | n/m | ||||||
| Book value | 3,378.99 | 3,980.56 | 2,579.05 | 2,149.85 | 2,232.24 | 2,292.28 | 1,869.10 | 2,451.47 | 2,703.47 | 132.96 | 0.00 | (30.2%) | ||||||
| Shares, m | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | +14.9% | ||||||
| Valuation, × | ||||||||||||||||||
| Valuation, × | P/E | 21.38 | 19.52 | 20.58 | 50.23 | 15.63 | 9.49 | 27.65 | 8.66 | 1.49 | 0.18 | 0.03 | 17.5 | |||||
| P/S | 0.71 | 2.07 | 2.56 | 2.53 | 1.22 | 0.72 | 0.96 | 0.76 | 0.13 | 0.02 | 0.00 | 1.2 | ||||||
| P/B | 0.99 | 2.12 | 2.17 | 4.58 | 2.04 | 1.20 | 1.54 | 1.04 | 0.19 | 0.02 | 0.01 | 1.6 | ||||||
| EV/Sales | 0.10 | 1.46 | 2.04 | 2.18 | 0.82 | 0.33 | 0.62 | 0.34 | (0.09) | (0.15) | — | 0.8 | ||||||
| EV/FCF | 6.24 | 45.48 | 19.49 | 55.97 | 7.39 | 17.73 | (473.53) | (32.73) | (15.87) | 29.57 | — | (34.0) | ||||||
| Cash, $m | ||||||||||||||||||
| Cash, $m | Operating cash flow | 13 | 23 | 76 | 26 | 62 | 20 | 20 | 14 | 20 | (2) | 14 | n/m | |||||
| Capex | (10) | (3) | (3) | (3) | (2) | (5) | (11) | (1) | (1) | 1 | (17) | n/m | ||||||
| Free cash flow | 2 | 20 | 73 | 23 | 59 | 15 | 9 | 13 | 19 | (1) | (2) | n/m | ||||||
| Balance, $m | ||||||||||||||||||
| Balance, $m | Working capital | 425 | 533 | 314 | 249 | 212 | 213 | 195 | 190 | 168 | 13 | 128 | (32.1%) | |||||
| Net debt | (442) | (452) | (349) | (258) | (238) | (224) | (136) | (189) | (97) | 2 | 3 | n/m | ||||||
| Shareholders’ equity | 490 | 613 | 399 | 294 | 300 | 308 | 251 | 329 | 360 | 67 | 153 | (19.8%) | ||||||
| Returns, % | ||||||||||||||||||
| Returns, % | ROA | 3.68 | 10.32 | 13.75 | 5.14 | 8.51 | 8.03 | 3.04 | 7.76 | 10.94 | (82.67) | 0.00 | (86.3) pt | |||||
| ROIC | 2.64 | 16.25 | 77.24 | 119.01 | 46.79 | 35.22 | 13.31 | 12.25 | (14.17) | (5.01) | 0.00 | (7.6) pt | ||||||
| ROE | 4.43 | 12.52 | 17.52 | 7.83 | 13.86 | 12.97 | 5.20 | 13.62 | 18.08 | (152.14) | 0.00 | (156.6) pt | ||||||
| People | ||||||||||||||||||
| People | Employees | 4,579 | 3,344 | 3,863 | 4,746 | 4,926 | 5,785 | 5,238 | 4,664 | 4,707 | 594 | — | (20.3%) | |||||
| Revenue/emp, $m | 0.15 | 0.19 | 0.13 | 0.11 | 0.10 | 0.09 | 0.08 | 0.10 | 0.05 | 0.13 | — | (1.1%) | ||||||
Negative figures in brackets.
estimates
Fiscal years to Dec 2025 · latest quarter Dec 2023 · fundamentals updated 25 Oct 2026
AIFU Inc. - Sponsored ADR vs peers in Insurance Brokers (Q) = latest quarter vs a year earlier
| Company | Market cap | P/E | Fwd P/E | Revenue growth (Q) | EPS growth (Q) | FCF growth (Q) | Gross margin (Q) | EBIT margin (Q) | Compare |
|---|---|---|---|---|---|---|---|---|---|
| LIFE Ethos Technologies Inc. | $2.1B | — (loss-making) | — (loss-making) | +164.74% (above 0%: growing) | −93.50% (below 0%: shrinking) | +209.99% (above 0%: growing) | 100.00% | 1.64% | Compare |
| GSHD Goosehead Insurance | $2.0B | 39.4× | 32.3× | +20.59% (above 0%: growing) | +110.00% (above 0%: growing) | −63.75% (below 0%: shrinking) | 100.00% | 23.45% | Compare |
| TWFG TWFG, Inc. | $1.6B | 51.3× | 36.1× | +24.63% (above 0%: growing) | −18.18% (below 0%: shrinking) | +0.49% (above 0%: growing) | 47.58% | 11.30% | Compare |
| CRD.B Crawford & Company | $557.3M | 20.6× | 13.4× | −0.87% (below 0%: shrinking) | +24.84% (above 0%: growing) | −102.26% (below 0%: shrinking) | 29.90% | 8.18% | Compare |
| CRD.A Crawford & Company | $543.8M | 21.3× | — | −0.87% (below 0%: shrinking) | +24.84% (above 0%: growing) | −102.26% (below 0%: shrinking) | 29.90% | 8.18% | Compare |
| TREE LendingTree, Inc. | $543.8M | 5.2× | 7.9× | +11.63% (above 0%: growing) | n/m | +16.84% (above 0%: growing) | 96.60% | (20.45%) | Compare |
| AIFU AIFU Inc. - Sponsored ADR | $436.5M | 0.0× | 11.0× | −15.11% (below 0%: shrinking) | n/m | −96.62% (below 0%: shrinking) | 36.32% | 2.74% | |
| XHG XChange TEC.INC. Sponsored ADR | $150.5M | 0.0× | — (loss-making) | −69.19% (below 0%: shrinking) | n/m | −324.48% (below 0%: shrinking) | 0.00% | 0.00% | Compare |
| SLQT SelectQuote, Inc. | $69.9M | 4.6× | — (loss-making) | −14.84% (below 0%: shrinking) | n/m | +18.67% (above 0%: growing) | 22.50% | (10.21%) | Compare |
| Median of peers | $550.5M | 20.6× | 22.8× | +5.38% | +24.84% | −31.63% | 38.74% | 4.91% |