AIFU Inc. Class A Ordinary Share (AIFU) carries a Roarable Rating of E (Strong Sell) with 24/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.
As of 2026-11-03, AIFU Inc. Class A Ordinary Share (NASDAQ: AIFU) is rated E (Strong Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 24/100 at a spot price of $9.80 (+8.77% 1D, market cap $599.5M). Pillar breakdown: Fundamental Cash Engine 5/20, Institutional 13F & Options Flow 3/20, SEC Balance-Sheet Forensics 8/20, FRED Macro Regime Fit 5/20, and Executive Insider Alignment 3/20. Across 1097 tracked Financials issuers, AIFU ranks #1064 in composite RQD confidence.
Within the Financials sector (Specialty Insurers), AIFU carries a Roarable E (24/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -6.9%. By comparison, YB (Yuanbao Inc.) holds a D grade (45/100 RQD, P/E N/A, ROIC —, cap $516.1M) and ITIC (Investors Title Company) posts a C grade (63/100 RQD, P/E 14.7x, ROIC 13.1%, cap $507.3M). Among the 5-stock peer group, STC leads on earnings multiple (12.0x) while ITIC leads on capital efficiency (13.1% ROIC).
Per AIFU's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001413855), AIFU Inc. Class A Ordinary Share generated $79.6M in revenue (-67.9% YoY), -$325.4M in net income, and -$2.8M in free cash flow against $218.5M in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 2/9
SEC XBRL FY 2025 (10-K): 0% FCF Margin ($0 FCF) & 52% Gross Margin
Dilution Drag (+2.48% YoY Shares) & executive Form 4 sales trim 16 pts from alignment
While AIFU currently carries a cautious 24/100 (E) rating due to Insider Conviction & Share Dilution (4/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.
Established market leader in Financials with deep daily trading liquidity.
Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($12.93) and Max Pain ($10.29) forces dealer call-delta covering toward $94.50.
Forensic Repair Trigger: Halting share dilution (Dilution Drag (+2.48% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.
AIFU Inc. Class A Ordinary Share (AIFU) surged +8.77% to $9.80, trading at 2% of its 52-week range ($8.17 – $90). Stretched risk/reward at current multiples (-7% return on capital) under elevated 10-year interest-rate pressure.
SHENZHEN, China, Oct. 21, 2026 (GLOBE NEWSWIRE) -- AIFU Inc. (Nasdaq: AIFU) (“AIFU” or the “Company”), a leading AI-driven independent financial services platform in China, today announced that it has entered into a tran
AIFU Inc. (Nasdaq: AIFU) ("AIFU" or the "Company"), a leading AI-driven independent financial services platform in China, today announced that it has entered into a transaction agreement (the
SHENZHEN, China, Sept. 24, 2026 (GLOBE NEWSWIRE) -- AIFU Inc. (Nasdaq: AIFU) (the “Company” or “AIFU”), a leading AI-driven independent financial services platform in China, today announced that it has entered into a def
SHENZHEN, China, June 11, 2026 (GLOBE NEWSWIRE) -- AIFU Inc. (Nasdaq: AIFU) (the “Company” or “AIFU”)，a leading AI-driven independent financial services platform in China, today announced that it has signed a non-binding
The recent 23% drop in AIFU Inc.'s ( NASDAQ:AIFU ) stock could come as a blow to insiders who purchased CN¥12.3m worth...
Key Insights Insiders appear to have a vested interest in AIFU's growth, as seen by their sizeable ownership 78% of the...
<a href="https://news.google.com/rss/articles/CBMiggNBVV95cUxPT19yMHE5ZXlhRjFQVnJVN0RaSXZjMkFRaDZjbUlpNl83YUxaV0phZlFJeFVTX0FENExydXRzOGlYQUExcGZLTmkzZFBlYlotWGowRHRXVDI4SHpNNWNJcG9sZkxkeWNKbXBPQVQ4VlhWc0IxSVR0TC1mMlV
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<a href="https://news.google.com/rss/articles/CBMimgFBVV95cUxOWkFsZ21EXzQtbWtFa01kVGRpeE5iTTF3MkpqTGI3SnhxdEtpeU9tXzEtZ1hlZHE0d0NKNjNSSUNhWUhpVU5qcFhHekRtckxLWk9iUnM2RENlam1uSEV6NU5VNWF2QkIyTlNWYmVWd3B1dEFrVkJ0TlZaQlZ
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Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. -67.9% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on AIFU today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for AIFU. Explore sector supply chains on /butterfly.
Across 1097 tracked Financials securities in the Roarable RQD universe, AIFU Inc. Class A Ordinary Share (AIFU) ranks #1064 by composite RQD confidence (24/100, grade E) and #664 by equity capitalization ($599.5M). Within this direct 5-issuer industry benchmark cohort, STC leads on earnings valuation at 12.0x trailing P/E, while ITIC leads on capital efficiency and profitability with 13.1% ROIC and — gross margin. ITIC currently holds the highest overall quantitative score in the immediate peer group at 63/100 (C) compared with AIFU at 24/100 (E).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| AIFU
ACTIVE
AIFU Inc. Class A Ordinary Share | E | 24/100 | — | — | -6.9% | +8.77% | $599.5M | Benchmark Subject |
| YB Yuanbao Inc. | D | 45/100 | — | — | — | -2.18% | $516.1M | /yb-vs-aifu → |
| ITIC Investors Title Company | C | 63/100 | 14.7x | — | 13.1% | -1.57% | $507.3M | /itic-vs-aifu → |
| OIG Orion180 Insurance Group Inc. (Class A) | D | 51/100 | — | — | — | -0.41% | $970.5M | /oig-vs-aifu → |
| STC Stewart Information Services Corporation | D+ | 57/100 | 12.0x | — | 5.6% | -2.15% | $1.36B | /stc-vs-aifu → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), AIFU Inc. Class A Ordinary Share (AIFU) reported GAAP revenue of $79.6M (-67.9% vs. FY2024 revenue of $247.8M , and -82.3% cumulative change since FY2023) , GAAP net income of -$325.4M, operating cash flow of -$2.3M, and free cash flow of -$2.8M (-115.2% YoY). On the balance sheet, AIFU closed FY2025 with $218.5M in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 2/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $79.6M | -$325.4M | -$2.3M | -$2.8M | $218.5M | — |
| FY2024 (FY) | 2024-12-31 | $247.8M | $62.3M | $19.6M | $18.4M | $568.7M | — |
| FY2023 (FY) | 2023-12-31 | $450.5M | $39.5M | $14.3M | $14.3M | — | — |
As of 2026-11-03, AIFU Inc. Class A Ordinary Share (NASDAQ: AIFU) is rated E (Strong Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 24/100 at a spot price of $9.80 (+8.77% 1D, market cap $599.5M). Pillar breakdown: Fundamental Cash Engine 5/20, Institutional 13F & Options Flow 3/20, SEC Balance-Sheet Forensics 8/20, FRED Macro Regime Fit 5/20, and Executive Insider Alignment 3/20. Across 1097 tracked Financials issuers, AIFU ranks #1064 in composite RQD confidence.
Within the Financials sector (Specialty Insurers), AIFU carries a Roarable E (24/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -6.9%. By comparison, YB (Yuanbao Inc.) holds a D grade (45/100 RQD, P/E N/A, ROIC —, cap $516.1M) and ITIC (Investors Title Company) posts a C grade (63/100 RQD, P/E 14.7x, ROIC 13.1%, cap $507.3M). Among the 5-stock peer group, STC leads on earnings multiple (12.0x) while ITIC leads on capital efficiency (13.1% ROIC).
Per AIFU's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001413855), AIFU Inc. Class A Ordinary Share generated $79.6M in revenue (-67.9% YoY), -$325.4M in net income, and -$2.8M in free cash flow against $218.5M in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.
AIFU last traded at $9.80 (+8.77% on volume of 2,460 shares), positioning the stock -24.21% below its 50-day simple moving average ($12.93) and -67.79% below its 200-day simple moving average ($30.43). Across its 52-week range of $8.17 to $90.00, AIFU sits at the 2.0% percentile with a 14-day RSI of 42.9 (NEUTRAL RANGE) and an implied next-earnings move of ±12.5% ($8.57 to $11.03).
AIFU Inc. Class A Ordinary Share (AIFU) earns a live Roarable RQD composite score of 24/100, corresponding to a E letter grade (Roarable Strong Sell) at a spot price of $9.80 (+8.77% 1D, market capitalization $599.5M).
AIFU Inc. Class A Ordinary Share trades on NASDAQ under the ticker AIFU and is classified in the Financials sector and Specialty Insurers industry,. Its reported revenue of $79.6M in FY 2025, down from $247.8M in FY 2024, is the only operating scale indicator available. Market capitalization is $0.6B.
In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), AIFU Inc. Class A Ordinary Share (AIFU) reported $79.6M in annual revenue (up from $247.8M in FY2024, -67.9% YoY) and -$325.4M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($450.5M revenue, $39.5M net income) through FY2025, AIFU scaled operating cash flow to -$2.3M and free cash flow to -$2.8M, backed by $218.5M in total assets against $0 in total debt.
Investors should treat the absence of mapped links as a gap in the research picture rather than evidence of an absence of exposure.
Real-time company headlines, analyst actions, and sector developments for AIFU Inc. Class A Ordinary Share (AIFU) • Click "Debate This Headline" to argue it in the Roar Pit below
SHENZHEN, China, Oct. 21, 2026 (GLOBE NEWSWIRE) -- AIFU Inc. (Nasdaq: AIFU) (“AIFU” or the “Company”), a leading AI-driven independent financial services platform in China, today announced that it has entered into a tran
AIFU Inc. (Nasdaq: AIFU) ("AIFU" or the "Company"), a leading AI-driven independent financial services platform in China, today announced that it has entered into a transaction agreement (the
SHENZHEN, China, Sept. 24, 2026 (GLOBE NEWSWIRE) -- AIFU Inc. (Nasdaq: AIFU) (the “Company” or “AIFU”), a leading AI-driven independent financial services platform in China, today announced that it has entered into a def
SHENZHEN, China, June 11, 2026 (GLOBE NEWSWIRE) -- AIFU Inc. (Nasdaq: AIFU) (the “Company” or “AIFU”)，a leading AI-driven independent financial services platform in China, today announced that it has signed a non-binding
The recent 23% drop in AIFU Inc.'s ( NASDAQ:AIFU ) stock could come as a blow to insiders who purchased CN¥12.3m worth...
Key Insights Insiders appear to have a vested interest in AIFU's growth, as seen by their sizeable ownership 78% of the...
<a href="https://news.google.com/rss/articles/CBMiggNBVV95cUxPT19yMHE5ZXlhRjFQVnJVN0RaSXZjMkFRaDZjbUlpNl83YUxaV0phZlFJeFVTX0FENExydXRzOGlYQUExcGZLTmkzZFBlYlotWGowRHRXVDI4SHpNNWNJcG9sZkxkeWNKbXBPQVQ4VlhWc0IxSVR0TC1mMlV
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Picked up a starter position in AIFU in my $100K Virtual Cash book at $9.80. Balance sheet pillar scored 8/20, the strongest of the five, with Debt/Equity of 0.5 and an Altman Z-Score of 2.5 providing some forensic cushion.. Trading inside a $8.17–$90.00 52-week range with -0.51% FCF yield gives solid downside support if Specialty Insurers multiples expand this quarter.
@TapeReader_Pro Agree on the RQD 24/100 quality, though with 1.0 beta I'm scaling in with half-size at $9.80 and keeping dry powder in case we test $9.11.
Careful chasing AIFU at $9.80. Revenue fell from $450.5M to $79.6M across the reported periods while the FY 2025 net loss reached -$325.4M, with ROIC at -6.9% and FCF yield at -0.51%.. Gross margin is 0.0%, but operating margin is -7.0%, which shows SG&A and reinvestment are eating into bottom-line EPS. Target $7.35 on multiple compression.
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