- Understand $aifu stock

$AIFU Market Cap: $86.77 Million

Research Board Inbox Deep Research Not Interested Shortlisted

Financial Snapshot

Revenue

$3.494B

TTM

Gross Margin

34.97%

TTM

Net Earnings

$224.7M

TTM

Current Assets

$2.159B

Q2 2024

Current Liabilities

$833.3M

Q2 2024

Current Ratio

259.14%

Q2 2024

Total Assets

$3.821B

Q2 2024

Total Liabilities

$1.735B

Q2 2024

Book Value

$2.086B

Q2 2024

Cash

$189.5M

Q2 2024

P/E

0.3861

Nov 15, 2024 EST

Free Cash Flow

$45.51M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003
Revenue	$3.198B	$2.782B	$3.271B	$3.268B	$3.706B	$3.471B	$4.089B	$4.083B	$2.459B	$2.150B	$1.757B	$1.586B	$1.517B	$1.234B	$1.102B	$842.5M	$448.1M	$246.5M	$143.7M	$34.00M	$249.6M
YoY Change	14.98%	-14.96%	0.09%	-11.82%	6.76%	-15.1%	0.14%	66.03%	14.38%	22.37%	10.77%	4.58%	22.92%	12.01%	30.75%	88.02%	81.78%	71.54%	322.65%	-86.38%	38.21%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003
Revenue	$3.198B	$2.782B	$3.271B	$3.268B	$3.706B	$3.471B	$4.089B	$4.083B	$2.459B	$2.150B	$1.757B	$1.586B	$1.517B	$1.234B	$1.102B	$842.5M	$448.1M	$246.5M	$143.7M	$34.00M	$249.6M
Cost Of Revenue	$2.145B	$1.796B	$2.115B	$2.214B	$2.483B	$2.351B	$3.059B	$3.107B	$1.857B	$1.615B	$1.293B	$1.086B	$796.8M	$541.2M	$550.0M	$435.7M	$232.6M	$133.1M	$65.80M	$4.300M	$49.00M
Gross Profit	$1.053B	$986.0M	$1.156B	$1.054B	$1.223B	$1.121B	$1.029B	$976.3M	$602.5M	$534.9M	$463.7M	$500.3M	$719.8M	$692.7M	$551.6M	$406.8M	$215.6M	$113.5M	$77.90M	$29.70M	$200.6M
Gross Profit Margin	32.92%	35.45%	35.34%	32.26%	32.99%	32.28%	25.17%	23.91%	24.5%	24.88%	26.39%	31.54%	47.46%	56.14%	50.07%	48.28%	48.11%	46.04%	54.21%	87.35%	80.37%

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003
Selling, General & Admin	$857.1M	$817.3M	$836.5M	$734.6M	$737.1M	$688.9M	$755.9M	$984.7M	$574.0M	$504.0M	$445.7M	$434.5M	$411.1M	$293.6M	$206.4M	$192.8M	$77.70M	$63.40M	$84.40M	$123.0M	$155.1M
YoY Change	4.87%	-2.29%	13.87%	-0.34%	7.0%	-8.86%	-23.24%	71.55%	13.89%	13.08%	2.58%	5.69%	40.02%	42.25%	7.05%	148.13%	22.56%	-24.88%	-31.38%	-20.7%	50.73%
% of Gross Profit	81.4%	82.89%	72.36%	69.68%	60.29%	61.48%	73.45%	100.86%	95.27%	94.22%	96.12%	86.85%	57.11%	42.38%	37.42%	47.39%	36.04%	55.86%	108.34%	414.14%	77.32%
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$2.281M	$2.823M	$18.39M	$18.00M	$17.20M	$26.70M	$47.30M	$33.70M	$30.00M	$45.00M	$45.00M	$41.60M	$53.90M	$52.10M	$28.50M	$9.500M	$3.500M	$2.000M	$600.0K	$400.0K
YoY Change	-19.2%	-84.65%	2.15%	4.65%	-35.58%	-43.55%	40.36%	12.33%	-33.33%	0.0%	8.17%	-22.82%	3.45%	82.81%	200.0%	171.43%	75.0%	233.33%	50.0%
% of Gross Profit	0.22%	0.29%	1.59%	1.71%	1.41%	2.38%	4.6%	3.45%	4.98%	8.41%	9.7%	8.32%	7.49%	7.52%	5.17%	2.34%	1.62%	1.76%	0.77%	1.35%
Operating Expenses	$857.1M	$817.3M	$854.0M	$752.1M	$753.2M	$694.7M	$755.9M	$984.8M	$574.1M	$503.9M	$445.6M	$434.5M	$411.1M	$293.6M	$206.4M	$192.8M	$77.60M	$63.40M	$84.40M	$123.0M	$155.1M
YoY Change	4.87%	-4.3%	13.55%	-0.15%	8.42%	-8.1%	-23.24%	71.54%	13.93%	13.08%	2.55%	5.69%	40.02%	42.25%	7.05%	148.45%	22.4%	-24.88%	-31.38%	-20.7%	50.73%
Operating Profit	$195.8M	$168.7M	$301.9M	$302.2M	$469.4M	$425.8M	$273.2M	-$8.500M	$28.40M	$31.00M	$18.10M	$65.80M	$308.7M	$399.1M	$345.2M	$214.0M	$138.0M	$50.10M	-$6.500M	-$93.30M	$45.50M
YoY Change	16.1%	-44.13%	-0.1%	-35.62%	10.24%	55.86%	-3314.12%	-129.93%	-8.39%	71.27%	-72.49%	-78.68%	-22.65%	15.61%	61.31%	55.07%	175.45%	-870.77%	-93.03%	-305.05%	46.77%

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003
Interest Expense	$157.7M	$31.48M	$35.87M	$48.20M	$81.90M	$229.7M	$217.7M	$122.2M	$122.8M	$126.5M	$93.10M	$87.90M	$52.00M	$68.00M	$52.10M	$47.90M	$16.20M	$5.300M	$400.0K	$0.00	$300.0K
YoY Change	400.79%	-12.23%	-25.58%	-41.15%	-64.34%	5.51%	78.15%	-0.49%	-2.92%	35.88%	5.92%	69.04%	-23.53%	30.52%	8.77%	195.68%	205.66%	1225.0%		-100.0%	-142.86%
% of Operating Profit	80.51%	18.66%	11.88%	15.95%	17.45%	53.95%	79.69%		432.39%	408.06%	514.36%	133.59%	16.84%	17.04%	15.09%	22.38%	11.74%	10.58%			0.66%
Other Income/Expense, Net	-$3.670M	-$3.823M	$33.31M	$11.90M	$9.700M	$11.80M	$14.30M	$10.30M	$21.00M	$2.300M	-$4.600M	$6.700M	$22.40M	$400.0K	-$4.400M	$0.00	$0.00	$0.00	$0.00	$200.0K	$0.00
YoY Change	-4.0%	-111.48%	179.95%	22.68%	-17.8%	-17.48%	38.83%	-50.95%	813.04%	-150.0%	-168.66%	-70.09%	5500.0%	-109.09%					-100.0%		-100.0%

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003
Pretax Income	$349.8M	$196.3M	$371.1M	$362.3M	$560.9M	$667.2M	$505.1M	$124.1M	$172.2M	$159.7M	$106.5M	$160.5M	-$674.3M	$462.9M	$392.9M	$262.3M	$154.1M	$55.40M	-$6.000M	-$93.10M	$45.80M
YoY Change	78.17%	-47.09%	2.43%	-35.41%	-15.93%	32.09%	307.01%	-27.93%	7.83%	49.95%	-33.64%	-123.8%	-245.67%	17.82%	49.79%	70.21%	178.16%	-1023.33%	-93.56%	-303.28%	51.16%
Income Tax	$59.40M	$41.02M	$90.57M	$83.40M	$143.8M	$224.6M	$167.8M	$27.20M	$25.60M	$24.30M	$27.20M	$50.40M	$84.00M	$89.10M	$97.30M	$64.10M	$3.200M	-$600.0K	$700.0K	-$400.0K	$11.20M
% Of Pretax Income	16.98%	20.89%	24.41%	23.02%	25.64%	33.66%	33.22%	21.92%	14.87%	15.22%	25.54%	31.4%		19.25%	24.76%	24.44%	2.08%	-1.08%			24.45%
Net Earnings	$280.5M	$100.3M	$251.0M	$268.3M	$188.9M	$609.9M	$449.2M	$157.0M	$210.1M	$161.8M	$95.60M	$130.5M	-$299.4M	$422.3M	$300.8M	$191.7M	$153.4M	$57.40M	-$6.700M	-$92.70M	$34.60M
YoY Change	179.72%	-60.05%	-6.45%	42.03%	-69.03%	35.77%	186.11%	-25.27%	29.85%	69.25%	-26.74%	-143.59%	-170.9%	40.39%	56.91%	24.97%	167.25%	-956.72%	-92.77%	-367.92%	83.07%
Net Earnings / Revenue	8.77%	3.6%	7.67%	8.21%	5.1%	17.57%	10.99%	3.85%	8.54%	7.53%	5.44%	8.23%	-19.74%	34.22%	27.31%	22.75%	34.23%	23.29%	-4.66%	-272.65%	13.86%
Basic Earnings Per Share	$0.26	$0.09	$0.23	$0.25
Diluted Earnings Per Share	$0.26	$0.09	$233.6K	$249.7K	$172.8K	$491.5K	$356.2K	$129.9K	$174.6K	$159.8K	$95.54K	$129.8K	-$298.6K	$426.4K	$324.0K	$209.0K	$214.4K	$87.50K	-$13.88K	-$555.1K	$207.2K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005
Cash & Short-Term Investments	$1.450B	$915.3M	$1.435B	$1.553B	$1.782B	$2.327B	$2.863B	$3.035B	$3.142B	$2.792B	$2.543B	$2.526B	$2.253B	$1.925B	$1.458B	$1.510B	$1.545B	$223.9M	$174.6M
YoY Change	58.4%	-36.23%	-7.6%	-12.83%	-23.42%	-18.71%	-5.68%	-3.4%	12.52%	9.81%	0.65%	12.11%	17.07%	32.03%	-3.48%	-2.23%	589.95%	28.24%
Cash & Equivalents	$521.5M	$567.5M	$564.6M	$245.4M	$169.7M	$772.8M	$363.7M	$237.0M	$1.115B	$2.103B	$2.289B	$2.526B	$2.222B	$1.925B	$1.458B	$1.510B	$1.545B	$223.9M	$174.6M
Short-Term Investments	$928.3M	$347.8M	$870.7M	$1.308B	$1.612B	$1.554B	$2.499B	$2.798B	$2.026B	$688.9M	$253.9M	$600.0K	$31.20M	$0.00
Other Short-Term Assets	$174.6M	$479.7M	$116.3M	$125.1M	$150.9M	$134.3M	$119.2M	$76.20M	$40.40M	$25.40M	$36.60M	$33.10M	$30.30M	$27.20M	$10.60M	$11.20M	$14.00M	$8.300M	$6.100M
YoY Change	-63.61%	312.64%	-7.07%	-17.1%	12.36%	12.67%	56.43%	88.61%	59.06%	-30.6%	10.57%	9.24%	11.4%	156.6%	-5.36%	-20.0%	68.67%	36.07%
Inventory
Prepaid Expenses
Receivables	$639.4M	$667.6M	$653.8M	$583.1M	$682.2M	$508.5M	$515.2M	$501.8M	$279.3M	$413.2M	$485.8M	$348.0M	$532.0M	$283.3M	$206.9M	$298.1M	$18.70M	$106.5M	$77.10M
Other Receivables	$111.8M	$231.0M	$60.75M	$50.30M	$66.60M	$91.40M	$635.7M	$81.80M	$51.80M	$71.20M	$112.9M	$86.60M	$82.70M	$67.00M	$52.10M	$57.10M	$30.70M	$17.00M	$23.90M
Total Short-Term Assets	$2.376B	$2.294B	$2.266B	$2.312B	$2.682B	$3.061B	$4.133B	$3.695B	$3.513B	$3.302B	$3.178B	$2.994B	$2.898B	$2.302B	$1.728B	$1.877B	$1.608B	$355.7M	$281.8M
YoY Change	3.57%	1.21%	-1.98%	-13.8%	-12.39%	-25.93%	11.85%	5.17%	6.4%	3.9%	6.14%	3.29%	25.89%	33.28%	-7.96%	16.7%	352.15%	26.22%
Property, Plant & Equipment	$227.7M	$243.5M	$272.5M	$237.2M	$231.2M	$37.90M	$26.10M	$31.30M	$34.10M	$47.20M	$69.60M	$94.90M	$84.70M	$102.2M	$108.3M	$72.50M	$11.10M	$9.700M	$4.500M
YoY Change	-6.5%	-10.62%	14.87%	2.6%	510.03%	45.21%	-16.61%	-8.21%	-27.75%	-32.18%	-26.66%	12.04%	-17.12%	-5.63%	49.38%	553.15%	14.43%	115.56%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments	$0.00	$4.035M	$335.8M	$357.7M	$363.4M	$587.5M	$404.8M	$294.6M	$284.2M	$219.7M	$189.2M	$168.6M	$154.0M	$139.1M	$86.70M	$400.0K	$0.00
YoY Change	-100.0%	-98.8%	-6.12%	-1.57%	-38.14%	45.13%	37.41%	3.66%	29.36%	16.12%	12.22%	9.48%	10.71%	60.44%	21575.0%
Other Assets	$303.7M	$52.53M	$65.78M	$64.50M	$54.20M	$68.90M	$47.30M	$36.50M	$29.80M	$14.80M	$16.50M	$22.00M	$7.300M	$10.70M	$6.100M	$5.300M	$7.300M	$2.700M	$500.0K
YoY Change	478.16%	-20.14%	1.99%	19.0%	-21.34%	45.67%	29.59%	22.48%	101.35%	-10.3%	-25.0%	201.37%	-31.78%	75.41%	15.09%	-27.4%	170.37%	440.0%
Total Long-Term Assets	$1.675B	$795.9M	$976.1M	$769.2M	$759.0M	$805.5M	$605.2M	$544.0M	$501.3M	$446.8M	$382.9M	$406.9M	$382.6M	$1.552B	$818.5M	$169.6M	$31.90M	$23.90M	$4.900M
YoY Change	110.48%	-18.45%	26.89%	1.34%	-5.77%	33.1%	11.25%	8.52%	12.2%	16.69%	-5.9%	6.35%	-75.35%	89.63%	382.61%	431.66%	33.47%	387.76%
Total Assets	$4.051B	$3.090B	$3.242B	$3.081B	$3.441B	$3.867B	$4.738B	$4.239B	$4.014B	$3.749B	$3.561B	$3.401B	$3.281B	$3.855B	$2.546B	$2.047B	$1.640B	$379.6M	$286.7M
YoY Change
Accounts Payable	$406.8M	$436.8M	$335.7M	$377.4M	$382.9M	$332.7M	$203.0M	$241.0M	$160.9M	$128.8M	$92.30M	$101.2M	$127.3M	$127.4M	$92.00M	$70.80M	$10.50M	$18.00M	$20.70M
YoY Change	-6.86%	30.1%	-11.04%	-1.44%	15.09%	63.89%	-15.77%	49.78%	24.92%	39.54%	-8.79%	-20.5%	-0.08%	38.48%	29.94%	574.29%	-41.67%	-13.04%
Accrued Expenses	$151.5M	$158.6M	$264.2M	$215.1M	$204.3M	$140.0M	$110.5M	$129.6M	$90.80M	$72.30M	$61.60M	$58.30M	$35.20M	$31.20M	$24.20M	$15.30M	$6.900M	$4.900M	$3.800M
YoY Change	-4.49%	-39.99%	22.85%	5.29%	45.93%	26.7%	-14.74%	42.73%	25.59%	17.37%	5.66%	65.63%	12.82%	28.93%	58.17%	121.74%	40.82%	28.95%
Deferred Revenue
YoY Change
Short-Term Debt	$164.3M	$35.68M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change	360.49%
Long-Term Debt Due																$0.00	$100.0K	$300.0K	$300.0K
YoY Change																-100.0%	-66.67%	0.0%
Total Short-Term Liabilities	$1.024B	$952.0M	$908.7M	$929.2M	$948.0M	$905.6M	$661.9M	$747.1M	$488.4M	$335.4M	$339.4M	$318.5M	$328.3M	$288.4M	$337.6M	$190.2M	$53.30M	$75.50M	$43.00M
YoY Change	7.54%	4.77%	-2.21%	-1.98%	4.68%	36.82%	-11.4%	52.97%	45.62%	-1.18%	6.56%	-2.99%	13.83%	-14.57%	77.5%	256.85%	-29.4%	75.58%
Long-Term Debt	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$100.0K	$200.0K	$300.0K
YoY Change																-100.0%	-50.0%	-33.33%
Other Long-Term Liabilities	$540.4M	$303.8M	$299.4M	$170.7M	$440.5M	$208.7M	$70.40M	$72.80M	$70.40M	$53.90M	$50.70M	$47.60M	$43.60M	$5.500M	$2.500M	$1.900M	$1.200M	$0.00	$0.00
YoY Change	77.92%	1.47%	75.37%	-61.25%	111.07%	196.45%	-3.3%	3.41%	30.61%	6.31%	6.51%	9.17%	692.73%	120.0%	31.58%	58.33%
Total Long-Term Liabilities	$540.4M	$303.8M	$299.4M	$170.7M	$440.5M	$208.7M	$70.40M	$72.80M	$70.40M	$53.90M	$50.70M	$47.60M	$43.60M	$5.500M	$2.500M	$1.900M	$1.300M	$200.0K	$300.0K
YoY Change	77.92%	1.47%	75.37%	-61.25%	111.07%	196.45%	-3.3%	3.41%	30.61%	6.31%	6.51%	9.17%	692.73%	120.0%	31.58%	46.15%	550.0%	-33.33%
Total Liabilities	$1.980B	$1.466B	$1.404B	$1.247B	$1.510B	$1.233B	$860.7M	$951.7M	$697.0M	$537.7M	$532.6M	$506.4M	$526.9M	$793.5M	$554.2M	$294.9M	$73.30M	$90.00M	$45.80M
YoY Change	35.03%	4.41%	12.57%	-17.37%	22.39%	43.3%	-9.56%	36.54%	29.63%	0.96%	5.17%	-3.89%	-33.6%	43.18%	87.93%	302.32%	-18.56%	96.51%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020
Basic Shares Outstanding	1.074B shares	1.074B shares	1.074B shares	1.074B shares
Diluted Shares Outstanding	1.077B shares	1.074B shares	1.074B shares	1.074B shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $86.769 Million

About

Fanhua, Inc. engages in the provision of agency services and insurance claims adjusting services. The company is headquartered in Guangzhou, Guangdong and currently employs 4,664 full-time employees. The company went IPO on 2007-10-31. The firm distributes a range of property, casualty and life insurance products underwritten by domestic and foreign insurance companies operating in China to individual and institutional customers, and provides insurance claims adjusting services. Its segments include insurance agency, which provides a range of property, casualty and life insurance products to individual customers; insurance brokerage, which provides commercial lines of property and casualty insurance, group life insurance programs and risk management consulting services to businesses and reinsurance brokerage services to insurance companies, and claims adjusting, which provides claims adjusting services to self-insured entities or insurance companies that choose to outsource some or all of their claims adjustment functions. The firm's distribution and service network covers over 29 provinces in China.

Industry: Insurance Agents, Brokers & Service Peers: Huize Holding Ltd Tian Ruixiang Holdings Ltd Waterdrop Inc