Does IH pay a dividend and is it safe?

iHuman Inc. each representing five (Class A) (IH) offers a 9.27% cash dividend yield ($0.11 annualized) and 11.07% total shareholder yield including buybacks. Roarable rates its payout coverage as FORTRESS PAYOUT.

Stock Ratings / Real Estate / IH / dividends

LFS (69) COE (46) CHGG (26) NRDY (30) ⌘ Pro Terminal →

iHuman Inc. each representing five (Class A) (IH) Dividend Safety Gauge & 10-Year DRIP Compounder

$1.18 0.00% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $1.18

iHuman Inc. each representing five (Class A) (IH) carries a Roarable Rating of D+ (Sell) with 58/100 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.

ROARABLE D+ • SELL / AVOID Cap $60.3M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on IH Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is IH stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-03, iHuman Inc. each representing five (Class A) (NYSE: IH) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 58/100 at a spot price of $1.18 (0.00% 1D, market cap $60.3M). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 6/20, SEC Balance-Sheet Forensics 12/20, FRED Macro Regime Fit 10/20, and Executive Insider Alignment 17/20. Across 51 tracked Real Estate issuers, IH ranks #19 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does IH compare to LFS and COE in the Real Estate sector?

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Within the Real Estate sector (Other Consumer Services), IH carries a Roarable D+ (58/100 RQD), trailing P/E of 4.4x, gross margin of 67.9%, and ROIC of 85.0%. By comparison, LFS (LEIFRAS Co. Ltd.) holds a C+ grade (69/100 RQD, P/E 19.6x, ROIC 26.5%, cap $54.4M) and COE (51Talk Online Education Group each representing 60 (Class A)) posts a D grade (46/100 RQD, P/E N/A, ROIC -35.0%, cap $68.1M). Among the 5-stock peer group, IH leads on earnings multiple (4.4x) while IH leads on capital efficiency (85.0% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for IH?

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Per IH's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001814423), iHuman Inc. each representing five (Class A) generated $115.4M in revenue (-8.7% YoY), $13.6M in net income, and $7.3M in free cash flow against $195.7M in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $1.18 (-0.19%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 13/20 (C) • 6.4% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 58/100 (D+) historically posted market-perform odds over rolling 90-day windows (+0.0% avg 90D alpha vs SPY • 52.7% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D+

Quant Analyst Panel Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw C- · Rk D+

Each axis scored 0–20

12M PRICE TARGET CONE+0% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for IH)Realized 20D OHLCV Swing Band: ±5.6%

Deterministic 5-Pillar Attribution (58/100 Composite)

🔍 WHY IH SCORES 58/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (29% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▲ #2 Bullish Driver: Cash Engine Quality+13/20 pts (22% of score)

SEC XBRL FY 2025 (10-K): 6.4% FCF Margin ($7.3M FCF) & 67.9% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning6/20 pts (-14 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-14 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade B-$1.19-3.4% Next Q

Q2 (-2Q)

Grade C+$1.15+2.6% Next Q

Q3 (-1Q)

Grade C$1.18+0% Next Q

Current

Grade D+$1.18+0% Hist 90D α

Trajectory: B- (66) → D+ (58)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the IH Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 58/100 (D+) score, IH faces multiple-compression risk if 4.4x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Sensitive to high interest rates and tighter Federal Reserve market liquidity.

⚠️ Forensic Kill-Switch #2

Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($1.18) or 200D SMA ($1.51) invalidates the momentum regime and cuts Target Base ($1.18) toward Bear Floor ($0.92).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $IH• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “IH Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 58%NO 42%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

11.07% Total Yield

9.27% Cash ($0.11/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

88/100 • FORTRESS PAYOUT

FREE CASH FLOW PAYOUT RATIO

49.5% of FCF

8 consecutive years of payout growth

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (14.6% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $39,070

Est. Year-10 Shareholder Yield: $4,325/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$11.5K

Yr 1

$13.1K

Yr 2

$15.1K

Yr 3

$17.2K

Yr 4

$19.8K

Yr 5

$22.7K

Yr 6

$26.0K

Yr 7

$29.7K

Yr 8

$34.1K

Yr 9

$39.1K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring IH)

✓Walkthrough of IH's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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Join Founding VIP Waitlist (No Card Required) →$100K Arena

IH // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -31.79%▼ DESCENDING CHANNEL

2026-11-03O $1.18H $1.18L $1.18C $1.18VOL 478

RES: $1.49SUP: $1.03SMA50: $1.18SMA200: $1.51

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

IH Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 IH Butterfly Map → + Track IH →

Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle

-15.0%/yr Implied 5Y Growth

vs. -8.7% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on IH today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for IH. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for IH today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (IH)

Real Estate Rank #19 of 51 ⚔️ LFS vs IH Full Matrix →

1. Head-to-Head Real Estate Peer Comparison (IH vs. LFS, COE, CHGG, NRDY)

Industry: Other Consumer Services (73 Tracked Issuers)

Across 51 tracked Real Estate securities in the Roarable RQD universe, iHuman Inc. each representing five (Class A) (IH) ranks #19 by composite RQD confidence (58/100, grade D+) and #31 by equity capitalization ($60.3M). Within this direct 5-issuer industry benchmark cohort, IH leads on earnings valuation at 4.4x trailing P/E, while IH leads on capital efficiency and profitability with 85.0% ROIC and 67.9% gross margin. LFS currently holds the highest overall quantitative score in the immediate peer group at 69/100 (C+) compared with IH at 58/100 (D+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
IH ACTIVE iHuman Inc. each representing five (Class A)	D+	58/100	4.4x	67.9%	85.0%	0.00%	$60.3M	Benchmark Subject
LFS LEIFRAS Co. Ltd.	C+	69/100	19.6x	29.5%	26.5%	+0.48%	$54.4M	/lfs-vs-ih →
COE 51Talk Online Education Group each representing 60 (Class A)	D	46/100	—	73.9%	-35.0%	-1.59%	$68.1M	/coe-vs-ih →
CHGG Chegg Inc.	E	26/100	—	59.6%	-35.0%	-4.60%	$78.0M	/chgg-vs-ih →
NRDY Nerdy Inc. (Class A)	E	30/100	—	58.0%	-35.0%	-0.95%	$80.3M	/nrdy-vs-ih →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001814423 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), iHuman Inc. each representing five (Class A) (IH) reported GAAP revenue of $115.4M (-8.7% vs. FY2024 revenue of $126.3M , and -19.5% cumulative change since FY2023) , GAAP net income of $13.6M, operating cash flow of $7.3M, and free cash flow of $7.3M (-8.5% YoY). On the balance sheet, IH closed FY2025 with $195.7M in total assets against $0 in total debt (Altman Z-Score: 2.30, Piotroski F-Score: 6/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$115.4M	$13.6M	$7.3M	$7.3M	$195.7M	—
FY2024 (FY)	2024-12-31	$126.3M	$13.5M	$8.0M	$8.0M	$194.5M	—
FY2023 (FY)	2023-12-31	$143.4M	$25.5M	$24.2M	$24.2M	—	—

3. IH Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is IH stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does IH compare to LFS and COE in the Real Estate sector?

What are the biggest fundamental strengths and SEC risk factors for IH?

Where is IH trading relative to its 50-day, 200-day, and 52-week technical levels?

IH last traded at $1.18 (0.00% on volume of 321 shares), positioning the stock 0.00% above its 50-day simple moving average ($1.18) and -21.85% below its 200-day simple moving average ($1.51). Across its 52-week range of $1.10 to $2.99, IH sits at the 4.2% percentile with a 14-day RSI of 52.6 (NEUTRAL RANGE) and an implied next-earnings move of ±5.6% ($1.11 to $1.25).

Direct Sub-Reports: IH RQD Cockpit IH 12M Forecast IH Earnings & Move IH Dividends & DRIP IH Insiders & 13F IH Whale Options IH Profit Sankey IH News & Why

ROARABLE RATING BRIEF • RQD 58/100 (D+) ✓ SEC XBRL & RQD VERIFIED

IH — iHuman Inc. each representing five (Class A): What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit

Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

iHuman Inc. Each representing five (Class A) (IH) earns a live Roarable RQD composite score of 58/100, corresponding to a D+ letter grade (Roarable Sell) at a spot price of $1.18 (0.00% 1D, market capitalization $60.3M).

Fundamental Cash Engine (13/20): Anchored by return on invested capital (ROIC) of 85.0%, gross margin of 67.9%, operating margin of 8.3%, and free cash flow yield of 12.17%.
Whale 13F & Options Flow (6/20) + Insider Conviction (17/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
Macro Regime Fit (10/20) + Forensic Balance Sheet (12/20): Incorporates a 1.00x equity beta, Altman Z-Score of 2.30, Piotroski F-Score of 6/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

IHuman Inc. Each representing five (Class A) (IH) is a NYSE-listed issuer classified under Real Estate and the Other Consumer Services industry. Per the Market Data section, gross margin is 67.9%, operating margin is 8.3%, and net margin is 11.8%.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), iHuman Inc. Each representing five (Class A) (IH) reported $115.4M in annual revenue (up from $126.3M in FY2024, -8.7% YoY) and $13.6M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($143.4M revenue, $25.5M net income) through FY2025, IH scaled operating cash flow to $7.3M and free cash flow to $7.3M, backed by $195.7M in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

🐂 Primary Bull Case (D+ • RQD 58/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 12.17% and institutional whale pillar of 6/20. With Fundamental Cash Engine at 13/20 and Institutional Whale Flow at 6/20, sustained execution supports upside toward the upper end of the $1.10 – $2.99 52-week range.
🐻 Primary Bear Case & Valuation Risk: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Investors must weigh 4.4x trailing P/E and 3.2x EV/EBITDA against 8.3% operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Other Consumer Services (Real Estate), IH carries a macro regime beta of 1.00 and gross margin of 67.9%.

Key Question #1: Can IH sustain or expand its 8.3% operating margin and 85.0% ROIC against Other Consumer Services peers over the next 4 quarters?
Key Question #2: Following FY2025 revenue of $115.4M and free cash flow of $7.3M, how will capital allocation balance growth reinvestment against $0 in total debt?
Key Question #3: How sensitive is IH's 4.1x forward P/E multiple to Real Estate capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

IH Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for iHuman Inc. each representing five (Class A) (IH) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to IH Debate Forum (3) ↓

🟢 CATALYST Yahoo Finance • 35d ago

iHuman Inc. Announces Second Quarter 2026 Unaudited Financial Results

iHuman Inc. (NYSE: IH) ("iHuman" or the "Company"), a leading provider of tech-powered knowledge and personal growth products, today announced its unaudited financial results for the second quarter ended June 30, 2026.

Read Full Source ↗

🟢 CATALYST Yahoo Finance • 127d ago

iHuman Inc. Announces First Quarter 2026 Unaudited Financial Results

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 156d ago

iHuman Inc. Announces Acquisition of Businesses and Assets Related to All Knowledge and Perfect Lingo

iHuman Inc. (NYSE: IH) ("iHuman" or the "Company"), a leading provider of tech-powered, intellectual development products in China, today announced that it has entered into certain asset transfer agreements to acquire th

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 217d ago

iHuman Inc. Announces Fourth Quarter and Fiscal Year 2025 Unaudited Financial Results

iHuman Inc. (NYSE: IH) ("iHuman" or the "Company"), a leading provider of tech-powered, intellectual development products in China, today announced its unaudited financial results for the fourth quarter and fiscal year e

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 193d ago

iHuman Inc. Files 2025 Annual Report on Form 20-F

iHuman Inc. (NYSE: IH) ("iHuman" or the "Company"), a leading provider of tech-powered, intellectual development products in China, today announced that it filed its annual report on Form 20-F for the year ended December

Read Full Source ↗

🟢 CATALYST Yahoo Finance • 292d ago

Owning 72% in iHuman Inc. (NYSE:IH) means that insiders are heavily invested in the company's future

Key Insights Significant insider control over iHuman implies vested interests in company growth The largest shareholder...

Read Full Source ↗

🔴 RISK WATCH Vanguard Corporate • 13d ago

Where to find value in the U.S. markets

<a href="https://news.google.com/rss/articles/CBMiqwFBVV95cUxPcUtlcDduZ2hLRTNSQWFkNWpLd1BQZUJ4a2FhdXlGSEhNcHZpUVV3eEFPclgwVXI2RkZ0Vl8tS214c21VWVRia3dxMm1sOWJGbWl0WkJ3dkhXTXZpSnZNal9zdFk4OHZkRHQ5UFB0X3FiRkdtaFJsM1E3UkU

Read Full Source ↗

🟡 MARKET WIRE CNBC • 19d ago

A lot changed in stock market in just a few months. The single biggest risk did not

<a href="https://news.google.com/rss/articles/CBMic0FVX3lxTE8xSHVzX3JOTGhFdHo0c3ZQOXdvMG42NTl4WHRyNjB4Qm5jNGw0eFMySUowdHlwdU9zQ3hvZnk5WWR3dHotMWVmaFpTdGlJSENCeUtmWmw2bFk5Y3lYY05ub2hhU0tiOWh6LUFpSGxrSU5fUknSAXhBVV95cUx

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

IH Bull vs. Bear Conversation Board — What's Your Call at $1.18?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON IH 🐻 33% BEARISH CONVICTION

SI SiliconVal_Bull RQD DEBATE OPENER • Growth & Tech Investor 🐂 BULLISH 🎯 Target: $1.43 (+21.2%)

📌 Pinned Debate

Per the RQD rating, ROIC of 85% and FCF yield of 12.17% indicate strong cash generation relative to the stock price.

Per the RQD rating, ROIC of 85% and FCF yield of 12.17% indicate strong cash generation relative to the stock price.. When you look under the hood at IH, Fundamental Cash Engine is 13/20 with 67.9% gross margins and 85.0% ROIC. Bears are staring in the rearview mirror while institutional 13F flow (6/20) has been quietly accumulating below $2.99. My 12M target is $1.43.

SectorRotator 🐂 BULL

@RedlineAuditor Fair point on 4.4x trailing P/E, but you're ignoring the forward operating leverage in Other Consumer Services. If gross margin (67.9%) holds, EPS grows into the multiple faster than bears think.

RE RedlineAuditor RQD DEBATE OPENER • Accounting Quality Watch 🐻 BEARISH 🎯 Target: $0.97 (-17.8%)

Spot @ $1.18

Per the RQD rating, revenue declined from $143.4M in FY 2023 to $115.4M in FY 2025 and the composite verdict is Roarable Sell.

Per the RQD rating, revenue declined from $143.4M in FY 2023 to $115.4M in FY 2025 and the composite verdict is Roarable Sell.. Look at the math on IH: paying 4.4x trailing P/E for 85.0% ROIC and 8.3% operating margins leaves zero margin of safety if Other Consumer Services demand softens. I'd wait for a retest of $1.04 before getting long.