AIFU Inc. - Sponsored ADR (AIFU) vs XChange TEC.INC. Sponsored ADR (XHG)

AIFU Inc. - Sponsored ADR and XChange TEC.INC. Sponsored ADR are both Insurance Brokers companies. AIFU Inc. - Sponsored ADR is the larger, with a market value of $436.5M against $150.5M — 2.9× the size. XChange TEC.INC. Sponsored ADR trades at the lower P/E: 0.0× against 0.0×. AIFU Inc. - Sponsored ADR grew revenue faster over the last twelve months: 11.7% against −38.9%. XChange TEC.INC. Sponsored ADR has the higher net margin (37.7% vs 8.77%) and the higher return on invested capital (0.00% vs 0.00%). Across the 12 metrics below, AIFU Inc. - Sponsored ADR leads on 6 and XChange TEC.INC. Sponsored ADR on 6.

Valuation

Metric AIFU XHG Insurance Brokers median
P/E 0.03 0.00 22.14
P/S 0.00 n/m 2.91
P/B 0.01 n/m 3.02
Price to free cash flow n/m n/m 22.32
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 3,451.09% 233,517.68% 3.41%
Free cash flow yield (201.22%) (925,403.74%) 3.09%

Profitability

Metric AIFU XHG Insurance Brokers median
Gross margin 32.92% 0.00% 49.54%
Operating margin 6.12% 0.00% 15.76%
Net margin 8.77% 37.67% 8.19%
Free cash flow margin 0.00% 0.00% 3.58%
Return on equity 0.00% 0.00% 2.99%
Return on assets 0.00% 0.00% 2.33%
Return on invested capital 0.00% 0.00% 5.64%

Growth

Metric AIFU XHG Insurance Brokers median
Revenue growth (TTM) 11.70% (38.89%) 9.77%
EPS growth (last fiscal year) (238.84%) 98.46% (8.67%)
Revenue growth, 5-year CAGR (30.78%) (21.54%) 9.30%
Net income growth, 5-year CAGR 0.00% 0.00% 0.00%

Health

Metric AIFU XHG Insurance Brokers median
Debt to equity 0.05 (0.04) 0.49
Current ratio 2.96 0.04 1.54
Net debt to EBITDA (0.49) (0.03) 1.20

Dividend

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

Size

Metric AIFU XHG Insurance Brokers median
Market cap 436.47m 150.52m 2.41b

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