AIFU Inc. Financials

AIFU

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2024 Currency USD FYE December

Financial Health Signals

Financial Profile 46/100

Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores

Profitability

AIFU Inc. has an operating margin of -24.1%, meaning the company retains $-24 of operating profit per $100 of revenue. This below-average margin results in a low score of 0/100, suggesting thin profitability after operating expenses. This is down from 6.1% the prior year.

Growth

AIFU Inc.'s revenue declined 45% year-over-year, from $450.5M to $247.8M. This contraction results in a growth score of 0/100.

Leverage

AIFU Inc. carries a low D/E ratio of 0.60, meaning only $0.60 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 89/100, indicating a strong balance sheet with room for future borrowing.

Liquidity

With a current ratio of 2.50, AIFU Inc. holds $2.50 in current assets for every $1 of short-term obligations. This comfortable liquidity earns a score of 80/100.

Cash Flow

AIFU Inc. has a free cash flow margin of 7.4%, earning a moderate score of 37/100. The company generates positive cash flow after capital investments, but with room for improvement.

Returns

AIFU Inc. earns a strong 17.9% return on equity (ROE), meaning it generates $18 of profit for every $100 of shareholders' equity. This efficient capital use earns a returns score of 71/100. This is up from 13.5% the prior year.

Piotroski F-Score Neutral

4/9

AIFU Inc. passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Low Quality

0.31x

For every $1 of reported earnings, AIFU Inc. generates $0.31 in operating cash flow ($19.6M OCF vs $62.3M net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.

This page shows AIFU Inc. (AIFU) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 14 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

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Key Financial Metrics

Revenue

$247.8M

YoY-45.0%

5Y CAGR-14.2%

10Y CAGR-1.6%

AIFU Inc. generated $247.8M in revenue in fiscal year 2024. This represents a decrease of 45.0% from the prior year.

EBITDA

-$46.4M

YoY-243.2%

AIFU Inc.'s EBITDA was -$46.4M in fiscal year 2024, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 243.2% from the prior year.

Free Cash Flow

$18.4M

YoY+47.2%

5Y CAGR-4.2%

10Y CAGR-2.9%

AIFU Inc. generated $18.4M in free cash flow in fiscal year 2024, representing cash available after capex. This represents an increase of 47.2% from the prior year.

Net Income

$62.3M

YoY+57.8%

5Y CAGR+17.6%

10Y CAGR+14.2%

AIFU Inc. reported $62.3M in net income in fiscal year 2024. This represents an increase of 57.8% from the prior year.

EPS (Diluted)

$0.06

YoY+50.0%

5Y CAGR+24.6%

10Y CAGR+11.6%

AIFU Inc. earned $0.06 per diluted share (EPS) in fiscal year 2024. This represents an increase of 50.0% from the prior year.

Cash & Debt

$26.3M

YoY-64.2%

5Y CAGR+1.6%

10Y CAGR-23.2%

AIFU Inc. held $26.3M in cash against $0 in long-term debt as of fiscal year 2024.

Dividends Per Share

N/A

Shares Outstanding

N/A

Gross Margin

N/A

Operating Margin

-24.1%

YoY-30.2pp

5Y CAGR-36.8pp

10Y CAGR-25.1pp

AIFU Inc.'s operating margin was -24.1% in fiscal year 2024, reflecting core business profitability. This is down 30.2 percentage points from the prior year.

Net Margin

25.1%

YoY+16.4pp

5Y CAGR+20.0pp

10Y CAGR+19.5pp

AIFU Inc.'s net profit margin was 25.1% in fiscal year 2024, showing the share of revenue converted to profit. This is up 16.4 percentage points from the prior year.

Return on Equity

17.9%

YoY+4.3pp

5Y CAGR+7.9pp

10Y CAGR+14.6pp

AIFU Inc.'s ROE was 17.9% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is up 4.3 percentage points from the prior year.

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

$1.2M

YoY-36.7%

5Y CAGR-16.4%

10Y CAGR-15.1%

AIFU Inc. invested $1.2M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents a decrease of 36.7% from the prior year.

AIFU Income Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Revenue	$247.8M-45.0%	$450.5M+11.7%	$403.3M-21.4%	$513.3M+2.5%	$500.9M-5.9%	$532.3M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$71.1M-16.8%	$85.5M+8.3%	$79.0M-8.1%	$85.9M+20.9%	$71.1M+204.1%	-$68.2M
Operating Income	-$59.7M-316.5%	$27.6M+12.8%	$24.5M-48.4%	$47.4M+2.3%	$46.3M-31.3%	$67.4M
Interest Expense	N/A	N/A	N/A	N/A	N/A	N/A
Income Tax	$13.5M+61.6%	$8.4M+40.7%	$5.9M-58.2%	$14.2M+11.2%	$12.8M-38.1%	$20.7M
Net Income	$62.3M+57.8%	$39.5M+171.7%	$14.5M-64.4%	$40.8M-3.6%	$42.3M+53.0%	$27.7M
EPS (Diluted)	$0.06+50.0%	$0.04+300.0%	$0.01-75.0%	$0.040.0%	$0.04+100.0%	$0.02

Metric	Q4'24	Q4'23	Q4'22	Q4'21	Q4'20	Q4'19	Q4'17	Q4'16
Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Income Tax	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
EPS (Diluted)	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

AIFU Balance Sheet

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Total Assets	$568.7M-0.3%	$570.6M+27.4%	$447.9M-12.0%	$508.8M+7.7%	$472.2M-4.5%	$494.2M
Current Assets	$279.4M-16.5%	$334.6M+0.6%	$332.5M-6.5%	$355.6M+0.4%	$354.3M-8.0%	$385.2M
Cash & Equivalents	$26.3M-64.2%	$73.5M-10.7%	$82.3M-7.1%	$88.6M+135.6%	$37.6M+54.3%	$24.4M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$23.4M	N/A	N/A	N/A	$89.4M-8.8%	$98.0M
Goodwill	N/A	$52.7M	N/A	$17.2M+2.4%	$16.8M+6.7%	$15.8M
Total Liabilities	$208.3M-13.7%	$241.3M+22.5%	$196.9M-2.1%	$201.1M+16.5%	$172.6M-13.9%	$200.6M
Current Liabilities	$111.9M-22.4%	$144.2M+4.5%	$138.0M-3.2%	$142.6M+0.1%	$142.4M+4.6%	$136.2M
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$348.9M+19.6%	$291.7M+23.9%	$235.4M-18.4%	$288.4M+2.6%	$281.0M+1.3%	$277.4M
Retained Earnings	$245.1M+31.9%	$185.9M+17.8%	$157.7M-23.4%	$205.8M+2.8%	$200.2M-5.8%	$212.5M

Metric	Q4'24	Q4'23	Q4'22	Q4'21	Q4'20	Q4'19	Q4'17	Q4'16
Total Assets	$568.7M-0.3%	$570.6M+27.4%	$447.9M-12.0%	$508.8M+7.7%	$472.2M-4.5%	$494.2M-32.1%	$728.2M+19.3%	$610.5M
Current Assets	$279.4M-16.5%	$334.6M+0.6%	$332.5M-6.5%	$355.6M+0.4%	$354.3M-8.0%	$385.2M-39.4%	$635.2M+19.4%	$532.1M
Cash & Equivalents	$26.3M-64.2%	$73.5M-10.7%	$82.3M-7.1%	$88.6M+135.6%	$37.6M+54.3%	$24.4M-56.4%	$55.9M+61.6%	$34.6M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$23.4M	N/A	N/A	N/A	$89.4M-8.8%	$98.0M+23.7%	$79.2M+9.3%	$72.4M
Goodwill	N/A	$52.7M	N/A	$17.2M+2.4%	$16.8M+6.7%	$15.8M-6.5%	$16.9M-4.0%	$17.6M
Total Liabilities	$208.3M-13.7%	$241.3M+22.5%	$196.9M-2.1%	$201.1M+16.5%	$172.6M-13.9%	$200.6M+74.2%	$115.2M-4.2%	$120.2M
Current Liabilities	$111.9M-22.4%	$144.2M+4.5%	$138.0M-3.2%	$142.6M+0.1%	$142.4M+4.6%	$136.2M+33.9%	$101.7M-5.5%	$107.6M
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$348.9M+19.6%	$291.7M+23.9%	$235.4M-18.4%	$288.4M+2.6%	$281.0M+1.3%	$277.4M-53.4%	$595.9M+25.9%	$473.4M
Retained Earnings	$245.1M+31.9%	$185.9M+17.8%	$157.7M-23.4%	$205.8M+2.8%	$200.2M-5.8%	$212.5M-5.9%	$225.7M+53.8%	$146.8M

AIFU Cash Flow Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Operating Cash Flow	$19.6M+36.5%	$14.3M-28.2%	$20.0M+0.9%	$19.8M-67.9%	$61.7M+140.7%	$25.6M
Capital Expenditures	$1.2M-36.7%	$1.8M-83.8%	$11.3M+133.3%	$4.8M+106.7%	$2.3M-17.4%	$2.8M
Free Cash Flow	$18.4M+47.2%	$12.5M+43.7%	$8.7M-41.9%	$15.0M-74.8%	$59.3M+160.3%	$22.8M
Investing Cash Flow	-$59.8M-81.2%	-$33.0M-78.4%	-$18.5M-126.2%	$70.7M+41.8%	$49.9M+2804.0%	$1.7M
Financing Cash Flow	-$8.8M-172.7%	$12.1M+510.9%	-$3.0M+92.8%	-$40.8M+58.3%	-$97.9M+14.0%	-$113.8M
Dividends Paid	N/A	N/A	$7.5M-80.2%	$38.1M-36.1%	$59.5M-4.7%	$62.5M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	-$1.2M

Metric	Q4'24	Q4'23	Q4'22	Q4'21	Q4'20	Q4'19	Q4'17	Q4'16
Operating Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Financing Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

AIFU Financial Ratios

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	-24.1%-30.2pp	6.1%+0.1pp	6.1%-3.2pp	9.2%-0.0pp	9.3%-3.4pp	12.7%
Net Margin	25.1%+16.4pp	8.8%+5.2pp	3.6%-4.4pp	8.0%-0.5pp	8.5%+3.3pp	5.2%
Return on Equity	17.9%+4.3pp	13.5%+7.4pp	6.2%-8.0pp	14.1%-0.9pp	15.1%+5.1pp	10.0%
Return on Assets	11.0%+4.0pp	6.9%+3.7pp	3.3%-4.8pp	8.0%-0.9pp	9.0%+3.4pp	5.6%
Current Ratio	2.50+0.2	2.32-0.1	2.41-0.1	2.490.0	2.49-0.3	2.83
Debt-to-Equity	0.60-0.2	0.830.0	0.84+0.1	0.70+0.1	0.61-0.1	0.72
FCF Margin	7.4%+4.7pp	2.8%+0.6pp	2.2%-0.8pp	2.9%-8.9pp	11.8%+7.6pp	4.3%

Metric	Q4'24	Q4'23	Q4'22	Q4'21	Q4'20	Q4'19	Q4'17	Q4'16
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Equity	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Current Ratio	2.50+0.2	2.32-0.1	2.41-0.1	2.490.0	2.49-0.3	2.83-3.4	6.24+1.3	4.95
Debt-to-Equity	0.60-0.2	0.830.0	0.84+0.1	0.70+0.1	0.61-0.1	0.72+0.5	0.19-0.1	0.25
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

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Frequently Asked Questions

What is AIFU Inc.'s annual revenue?

AIFU Inc. (AIFU) reported $247.8M in total revenue for fiscal year 2024. This represents a -45.0% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is AIFU Inc.'s revenue growing?

AIFU Inc. (AIFU) revenue declined by 45% year-over-year, from $450.5M to $247.8M in fiscal year 2024.

Is AIFU Inc. profitable?

Yes, AIFU Inc. (AIFU) reported a net income of $62.3M in fiscal year 2024, with a net profit margin of 25.1%.

What is AIFU Inc.'s earnings per share (EPS)?

AIFU Inc. (AIFU) reported diluted earnings per share of $0.06 for fiscal year 2024. This represents a 50.0% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

What is AIFU Inc.'s EBITDA?

AIFU Inc. (AIFU) had EBITDA of -$46.4M in fiscal year 2024, measuring earnings before interest, taxes, depreciation, and amortization.

What is AIFU Inc.'s operating margin?

AIFU Inc. (AIFU) had an operating margin of -24.1% in fiscal year 2024, reflecting the profitability of core business operations before interest and taxes.

What is AIFU Inc.'s net profit margin?

AIFU Inc. (AIFU) had a net profit margin of 25.1% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

What is AIFU Inc.'s return on equity (ROE)?

AIFU Inc. (AIFU) has a return on equity of 17.9% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.

What is AIFU Inc.'s free cash flow?

AIFU Inc. (AIFU) generated $18.4M in free cash flow during fiscal year 2024. This represents a 47.2% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is AIFU Inc.'s operating cash flow?

AIFU Inc. (AIFU) generated $19.6M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are AIFU Inc.'s total assets?

AIFU Inc. (AIFU) had $568.7M in total assets as of fiscal year 2024, including both current and long-term assets.

What are AIFU Inc.'s capital expenditures?

AIFU Inc. (AIFU) invested $1.2M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.

What is AIFU Inc.'s current ratio?

AIFU Inc. (AIFU) had a current ratio of 2.50 as of fiscal year 2024, which is generally considered healthy.

What is AIFU Inc.'s debt-to-equity ratio?

AIFU Inc. (AIFU) had a debt-to-equity ratio of 0.60 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is AIFU Inc.'s return on assets (ROA)?

AIFU Inc. (AIFU) had a return on assets of 11.0% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

What is AIFU Inc.'s Piotroski F-Score?

AIFU Inc. (AIFU) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are AIFU Inc.'s earnings high quality?

AIFU Inc. (AIFU) has an earnings quality ratio of 0.31x, considered low quality (accrual-driven). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is AIFU Inc.?

AIFU Inc. (AIFU) scores 46 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.