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

AIFU Inc. (AIFU) reported diluted earnings per share of $-32.16 for fiscal year 2025. This represents a -53700.0% 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.

AIFU Inc. Financials

AIFU

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows AIFU Inc. (AIFU) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).

Rhea AI AIFU FY2025 2026-04-28

A balance-sheet reset, not ordinary operating costs, is dominating results as cash and equity shrink.

In FY2025, the reported loss of -$325M sits far away from the operating loss of -$5.6M, so the year's damage was not mainly created by normal operating expenses. Because operating cash flow was only -$2.3M while assets also shrank sharply year over year, the stress looks more like a balance-sheet compression than a business suddenly consuming cash at the same scale as its accounting loss.

The liquidity cushion is still positive, but it is much thinner: cash fell to $4.4M and the current ratio narrowed to 1.2x. That means near-term obligations are still covered, yet the company no longer has the same room to absorb another weak year without leaning more heavily on liabilities.

This remains a low-capex model: capital spending was just $477K in FY2025, so free cash flow usually tracks operating cash flow closely. The lesson from FY2021 through FY2024 is that cash generation held up better than reported profit swings, which makes the FY2025 break more about a weaker capital base than about a suddenly investment-hungry business.

Financial Health Signals

Financial Profile 17/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of AIFU Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Profitability

AIFU Inc. has an operating margin of -7.0%, meaning the company retains $-7 of operating profit per $100 of revenue. This below-average margin results in a low score of 1/100, suggesting thin profitability after operating expenses. This is up from -24.1% the prior year.

Growth

AIFU Inc.'s revenue declined 67.9% year-over-year, from $247.8M to $79.6M. This contraction results in a growth score of 0/100.

Leverage

AIFU Inc. has a moderate D/E ratio of 2.21. This balance of debt and equity financing earns a leverage score of 57/100.

Liquidity

AIFU Inc.'s current ratio of 1.18 is below the typical benchmark, resulting in a score of 19/100. This tight liquidity could limit financial flexibility if cash inflows slow.

Cash Flow

While AIFU Inc. generated -$2.3M in operating cash flow, capex of $477K consumed most of it, leaving -$2.8M in free cash flow. This results in a low score of 28/100, reflecting heavy capital investment rather than weak cash generation.

Returns

AIFU Inc. generates a -475.5% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 0/100. This is down from 17.9% the prior year.

Piotroski F-Score Weak

1/9

AIFU Inc. passes 1 of 9 financial strength tests. 1 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Low Quality

0.01x

For every $1 of reported earnings, AIFU Inc. generates $0.01 in operating cash flow (-$2.3M OCF vs -$325.4M net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.

Key Financial Metrics

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Earnings & Revenue

Revenue

$79.6M

YoY-67.9%

5Y CAGR-30.8%

10Y CAGR-13.7%

AIFU Inc. generated $79.6M in revenue in fiscal year 2025. This represents a decrease of 67.9% from the prior year.

EBITDA

-$4.8M

YoY+89.6%

AIFU Inc.'s EBITDA was -$4.8M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 89.6% from the prior year.

Net Income

-$325.4M

YoY-622.0%

AIFU Inc. reported -$325.4M in net income in fiscal year 2025. This represents a decrease of 622.0% from the prior year.

EPS (Diluted)

$-32.16

YoY-53700.0%

AIFU Inc. earned $-32.16 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 53700.0% from the prior year.

Cash & Balance Sheet

Free Cash Flow

-$2.8M

YoY-115.2%

AIFU Inc. generated -$2.8M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 115.2% from the prior year.

Cash & Debt

$4.4M

YoY-83.1%

5Y CAGR-34.8%

10Y CAGR-34.9%

AIFU Inc. held $4.4M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

13M

5Y CAGR-58.4%

10Y CAGR-35.9%

AIFU Inc. had 13M shares outstanding in fiscal year 2025.

Margins & Returns

Gross Margin

N/A

Operating Margin

-7.0%

YoY+17.1pp

5Y CAGR-16.3pp

10Y CAGR-8.5pp

AIFU Inc.'s operating margin was -7.0% in fiscal year 2025, reflecting core business profitability. This is up 17.1 percentage points from the prior year.

Net Margin

-408.8%

YoY-434.0pp

5Y CAGR-417.3pp

10Y CAGR-416.6pp

AIFU Inc.'s net profit margin was -408.8% in fiscal year 2025, showing the share of revenue converted to profit. This is down 434.0 percentage points from the prior year.

Return on Equity

-475.5%

YoY-493.4pp

5Y CAGR-490.6pp

10Y CAGR-480.7pp

AIFU Inc.'s ROE was -475.5% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 493.4 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

$477K

YoY-58.8%

5Y CAGR-27.2%

10Y CAGR-7.1%

AIFU Inc. invested $477K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 58.8% from the prior year.

AIFU Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$79.6M-67.9%	$247.8M-45.0%	$450.5M+11.7%	$403.3M-21.4%	$513.3M+2.5%	$500.9M
Cost of Revenue	-$40.4M	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	$36.1M-49.2%	$71.1M-16.8%	$85.5M+8.3%	$79.0M-8.1%	$85.9M+20.9%	$71.1M
Operating Income	-$5.6M+90.6%	-$59.7M-316.5%	$27.6M+12.8%	$24.5M-48.4%	$47.4M+2.3%	$46.3M
Interest Expense	N/A	N/A	N/A	N/A	N/A	N/A
Income Tax	$575K-95.7%	$13.5M+61.6%	$8.4M+40.7%	$5.9M-58.2%	$14.2M+11.2%	$12.8M
Net Income	-$325.4M-622.0%	$62.3M+57.8%	$39.5M+171.7%	$14.5M-64.4%	$40.8M-3.6%	$42.3M
EPS (Diluted)	$-32.16-53700.0%	$0.06+50.0%	$0.04+300.0%	$0.01-75.0%	$0.040.0%	$0.04

Metric	Q4'25	Q4'24	Q4'23	Q4'22	Q4'21	Q4'20	Q4'19	Q4'17
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	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$218.5M-61.6%	$568.7M-0.3%	$570.6M+27.4%	$447.9M-12.0%	$508.8M+7.7%	$472.2M
Current Assets	$86.3M-69.1%	$279.4M-16.5%	$334.6M+0.6%	$332.5M-6.5%	$355.6M+0.4%	$354.3M
Cash & Equivalents	$4.4M-83.1%	$26.3M-64.2%	$73.5M-10.7%	$82.3M-7.1%	$88.6M+135.6%	$37.6M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$9.4M-60.0%	$23.4M	N/A	N/A	N/A	$89.4M
Goodwill	N/A	N/A	$52.7M	N/A	$17.2M+2.4%	$16.8M
Total Liabilities	$151.1M-27.4%	$208.3M-13.7%	$241.3M+22.5%	$196.9M-2.1%	$201.1M+16.5%	$172.6M
Current Liabilities	$73.2M-34.6%	$111.9M-22.4%	$144.2M+4.5%	$138.0M-3.2%	$142.6M+0.1%	$142.4M
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$68.4M-80.4%	$348.9M+19.6%	$291.7M+23.9%	$235.4M-18.4%	$288.4M+2.6%	$281.0M
Retained Earnings	-$33.7M-113.7%	$245.1M+31.9%	$185.9M+17.8%	$157.7M-23.4%	$205.8M+2.8%	$200.2M

Metric	Q4'25	Q4'24	Q4'23	Q4'22	Q4'21	Q4'20	Q4'19	Q4'17
Total Assets	$218.5M-61.6%	$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
Current Assets	$86.3M-69.1%	$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
Cash & Equivalents	$4.4M-83.1%	$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
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$9.4M-60.0%	$23.4M	N/A	N/A	N/A	$89.4M-8.8%	$98.0M+23.7%	$79.2M
Goodwill	N/A	N/A	$52.7M	N/A	$17.2M+2.4%	$16.8M+6.7%	$15.8M-6.5%	$16.9M
Total Liabilities	$151.1M-27.4%	$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
Current Liabilities	$73.2M-34.6%	$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
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$68.4M-80.4%	$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
Retained Earnings	-$33.7M-113.7%	$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

AIFU Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	-$2.3M-111.9%	$19.6M+36.5%	$14.3M-28.2%	$20.0M+0.9%	$19.8M-67.9%	$61.7M
Capital Expenditures	$477K-58.8%	$1.2M-36.7%	$1.8M-83.8%	$11.3M+133.3%	$4.8M+106.7%	$2.3M
Free Cash Flow	-$2.8M-115.2%	$18.4M+47.2%	$12.5M+43.7%	$8.7M-41.9%	$15.0M-74.8%	$59.3M
Investing Cash Flow	-$15.9M+73.4%	-$59.8M-81.2%	-$33.0M-78.4%	-$18.5M-126.2%	$70.7M+41.8%	$49.9M
Financing Cash Flow	-$10.2M-16.1%	-$8.8M-172.7%	$12.1M+510.9%	-$3.0M+92.8%	-$40.8M+58.3%	-$97.9M
Dividends Paid	N/A	N/A	N/A	$7.5M-80.2%	$38.1M-36.1%	$59.5M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q4'25	Q4'24	Q4'23	Q4'22	Q4'21	Q4'20	Q4'19	Q4'17
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	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	-7.0%+17.1pp	-24.1%-30.2pp	6.1%+0.1pp	6.1%-3.2pp	9.2%-0.0pp	9.3%
Net Margin	-408.8%-434.0pp	25.1%+16.4pp	8.8%+5.2pp	3.6%-4.4pp	8.0%-0.5pp	8.5%
Return on Equity	-475.5%-493.4pp	17.9%+4.3pp	13.5%+7.4pp	6.2%-8.0pp	14.1%-0.9pp	15.1%
Return on Assets	-148.9%-159.9pp	11.0%+4.0pp	6.9%+3.7pp	3.3%-4.8pp	8.0%-0.9pp	9.0%
Current Ratio	1.18-1.3	2.50+0.2	2.32-0.1	2.41-0.1	2.490.0	2.49
Debt-to-Equity	2.21+1.6	0.60-0.2	0.830.0	0.84+0.1	0.70+0.1	0.61
FCF Margin	-3.5%-11.0pp	7.4%+4.7pp	2.8%+0.6pp	2.2%-0.8pp	2.9%-8.9pp	11.8%

Metric	Q4'25	Q4'24	Q4'23	Q4'22	Q4'21	Q4'20	Q4'19	Q4'17
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	1.18-1.3	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
Debt-to-Equity	2.21+1.6	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
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 $79.6M in total revenue for fiscal year 2025. This represents a -67.9% 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 67.9% year-over-year, from $247.8M to $79.6M in fiscal year 2025.

Is AIFU Inc. profitable?

No, AIFU Inc. (AIFU) reported a net income of -$325.4M in fiscal year 2025, with a net profit margin of -408.8%.

What is AIFU Inc.'s EBITDA?

AIFU Inc. (AIFU) had EBITDA of -$4.8M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

What is AIFU Inc.'s operating margin?

AIFU Inc. (AIFU) had an operating margin of -7.0% in fiscal year 2025, 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 -408.8% in fiscal year 2025, 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 -475.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is AIFU Inc.'s free cash flow?

AIFU Inc. (AIFU) generated -$2.8M in free cash flow during fiscal year 2025. This represents a -115.2% 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 -$2.3M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are AIFU Inc.'s total assets?

AIFU Inc. (AIFU) had $218.5M in total assets as of fiscal year 2025, including both current and long-term assets.

What are AIFU Inc.'s capital expenditures?

AIFU Inc. (AIFU) invested $477K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does AIFU Inc. have outstanding?

AIFU Inc. (AIFU) had 13M shares outstanding as of fiscal year 2025.

What is AIFU Inc.'s current ratio?

AIFU Inc. (AIFU) had a current ratio of 1.18 as of fiscal year 2025, which is considered adequate.

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

AIFU Inc. (AIFU) had a debt-to-equity ratio of 2.21 as of fiscal year 2025, 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 -148.9% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is AIFU Inc.'s cash runway?

Based on fiscal year 2025 data, AIFU Inc. (AIFU) had $4.4M in cash against an annual operating cash burn of $2.3M. This gives an estimated cash runway of approximately 23 months at the current burn rate. Cash runway measures how long a company can continue operating before running out of cash, assuming no additional funding.

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

AIFU Inc. (AIFU) has a Piotroski F-Score of 1 out of 9, indicating weak 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 to 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 0.01x, 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 17 out of 100 on our Financial Profile, indicating weak 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.