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AIFU Inc. - Sponsored ADR (AIFU) vs Ethos Technologies Inc. (LIFE)

AIFU Inc. - Sponsored ADR and Ethos Technologies Inc. are both Insurance Brokers companies. Ethos Technologies Inc. is the larger, with a market value of $2.1B against $436.5M — 4.9× the size. Ethos Technologies Inc. has negative trailing earnings, so its P/E is not meaningful; AIFU Inc. - Sponsored ADR trades at 0.0×. AIFU Inc. - Sponsored ADR has the higher net margin (8.77% vs −16.9%) and the higher return on invested capital (0.00% vs −5.39%). Across the 15 metrics below, AIFU Inc. - Sponsored ADR leads on 8 and Ethos Technologies Inc. on 7.

Valuation

Metric AIFU LIFE Insurance Brokers median
P/E 0.03 n/m 22.14
P/S 0.00 2.91 2.91
P/B 0.01 4.13 3.02
Price to free cash flow n/m 15.06 22.32
EV/EBITDA — n/m —
EV/Sales — 3.90 —
Earnings yield 3,451.09% (5.20%) 3.41%
Free cash flow yield (201.22%) 6.64% 3.09%

Profitability

Metric AIFU LIFE Insurance Brokers median
Gross margin 32.92% 100.00% 49.54%
Operating margin 6.12% (4.30%) 15.76%
Net margin 8.77% (16.93%) 8.19%
Free cash flow margin 0.00% 19.30% 3.58%
Return on equity 0.00% (60.87%) 2.99%
Return on assets 0.00% (20.47%) 2.33%
Return on invested capital 0.00% (5.39%) 5.64%

Growth

Metric AIFU LIFE Insurance Brokers median
Revenue growth (TTM) 11.70% — 9.77%
EPS growth (last fiscal year) (238.84%) 43.90% (8.67%)
Revenue growth, 5-year CAGR (30.78%) — 9.30%
Net income growth, 5-year CAGR 0.00% — 0.00%

Health

Metric AIFU LIFE Insurance Brokers median
Debt to equity 0.05 0.00 0.49
Current ratio 2.96 2.98 1.54
Net debt to EBITDA (0.49) (1.17) 1.20

Dividend

Metric AIFU LIFE Insurance Brokers median
Dividend yield — — 1.01%
Payout ratio — — 0.33

Size

Metric AIFU LIFE Insurance Brokers median
Market cap 436.47m 2.12b 2.41b

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