AIFU Inc. - Sponsored ADR (AIFU) vs Crawford & Company (CRD.A)

AIFU Inc. - Sponsored ADR and Crawford & Company are both Insurance Brokers companies. Crawford & Company is the larger, with a market value of $584.6M against $53.3M — 11.0× the size. AIFU Inc. - Sponsored ADR trades at the lower P/E: 0.0× against 26.1×. AIFU Inc. - Sponsored ADR grew revenue faster over the last twelve months: 11.7% against −4.12%. AIFU Inc. - Sponsored ADR has the higher net margin (8.77% vs 1.81%) and the lower return on invested capital (0.00% vs 9.65%). Both pay a dividend; AIFU Inc. - Sponsored ADR yields more (7.99% vs 2.10%). Across the 21 metrics below, AIFU Inc. - Sponsored ADR leads on 14 and Crawford & Company on 7.

Valuation

Metric AIFU CRD.A Insurance Brokers median
P/E 0.04 26.06 25.35
P/S 0.00 0.47 2.10
P/B 0.01 3.30 2.81
Price to free cash flow n/m 8.87 18.44
EV/EBITDA n/m 7.34 12.36
EV/Sales (0.16) 0.57 3.00
Earnings yield 2,517.24% 3.84% 2.64%
Free cash flow yield (148.66%) 11.27% 2.30%

Profitability

Metric AIFU CRD.A Insurance Brokers median
Gross margin 32.92% 27.76% 42.95%
Operating margin 6.12% 4.66% 15.37%
Net margin 8.77% 1.81% 8.77%
Free cash flow margin 0.00% 5.26% 3.89%
Return on equity 0.00% 13.07% 0.00%
Return on assets 0.00% 3.02% 2.23%
Return on invested capital 0.00% 9.65% 5.27%

Growth

Metric AIFU CRD.A Insurance Brokers median
Revenue growth (TTM) 11.70% (4.12%) 7.09%
EPS growth (last fiscal year) (238.84%) (26.42%) —
Revenue growth, 5-year CAGR (30.78%) 5.22% 9.30%
Net income growth, 5-year CAGR 0.00% (7.05%) 0.00%

Health

Metric AIFU CRD.A Insurance Brokers median
Debt to equity 0.04 1.07 0.19
Current ratio 3.72 1.19 1.55
Net debt to EBITDA (0.49) 1.26 0.89

Dividend

Metric AIFU CRD.A Insurance Brokers median
Dividend yield 7.99% 2.10% 1.36%
Payout ratio 0.00 0.52 0.00

Size

Metric AIFU CRD.A Insurance Brokers median
Market cap 53.33m 584.57m 1.44b

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