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AIFU Inc. - Sponsored ADR (AIFU) vs TWFG, Inc. (TWFG)

AIFU Inc. - Sponsored ADR and TWFG, Inc. are both Insurance Brokers companies. TWFG, Inc. is the larger, with a market value of $1.5B against $499.1M — 2.9× the size. AIFU Inc. - Sponsored ADR trades at the lower P/E: 0.0× against 48.4×. TWFG, Inc. grew revenue faster over the last twelve months: 34.7% against 11.7%. AIFU Inc. - Sponsored ADR has the higher net margin (8.77% vs 2.98%) and the lower return on invested capital (0.00% vs 19.3%). Across the 17 metrics below, TWFG, Inc. leads on 11 and AIFU Inc. - Sponsored ADR on 6.

Valuation

Metric AIFU TWFG Insurance Brokers median
P/E 0.03 48.39 25.10
P/S 0.00 1.27 2.98
P/B 0.01 1.42 3.18
Price to free cash flow n/m n/m 22.89
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 3,008.73% 2.07% 2.74%
Free cash flow yield (175.43%) (2.19%) 3.19%

Profitability

Metric AIFU TWFG Insurance Brokers median
Gross margin 32.92% 50.10% 49.44%
Operating margin 6.12% 18.26% 15.48%
Net margin 8.77% 2.98% 8.78%
Free cash flow margin 0.00% (2.78%) 5.26%
Return on equity 0.00% 3.24% 3.24%
Return on assets 0.00% 2.51% 2.51%
Return on invested capital 0.00% 19.32% 5.83%

Growth

Metric AIFU TWFG Insurance Brokers median
Revenue growth (TTM) 11.70% 34.74% 9.77%
EPS growth (last fiscal year) (238.84%) 168.42% (8.67%)
Revenue growth, 5-year CAGR (30.78%) — 9.30%
Net income growth, 5-year CAGR 0.00% — 0.00%

Health

Metric AIFU TWFG Insurance Brokers median
Debt to equity 0.05 0.01 0.49
Current ratio 2.96 76.79 1.60
Net debt to EBITDA (0.49) (2.96) 1.20

Dividend

Metric AIFU TWFG Insurance Brokers median
Dividend yield — — 1.17%
Payout ratio — — 0.33

Size

Metric AIFU TWFG Insurance Brokers median
Market cap 499.11m 1.46b 2.82b

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