AIFU Inc.
AIFUFinancial ServicesNASDAQInsurance Brokers
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Daily timeframeAIFU Inc., through its subsidiary, distributes insurance products in China. Valued at $284.4M, AIFU is a micro-cap name in its sector. The company provides life and health insurance products, such as individual whole life, individual health, individual annuity, individual term life, individual endowment life, and participating insurance products; and non-life insurance products primarily includes individual accident, travel, homeowner, indemnity medical, commercial property, cargo, hull, liability, construction and erection, and extended warranty insurance products.
Market Cap
$284.4M
Beta
—
P/E (TTM)
—
P/E (Fwd)
4.44
EPS (TTM)
$-33.23
EPS (Fwd)
$0.54
ROE
-146.8%
ROA
-35.2%
Cash
$36.3M
Total Debt
$86.8M
Free CF
-$404.8M
52W Change
-11.4%
Annual Financials
Cash vs Debt
AIFU Inc. carries $86.8M in total debt against $36.3M in cash reserves — debt is roughly 2.4x the cash position. Managing this leverage effectively will be important for long-term financial stability. The company is burning cash, with free cash flow at -$404.8M. This typically occurs when a company is investing aggressively in growth, but sustained cash burn can strain the balance sheet. ROE of -146.8% points to negative capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. Revenue has pulled back from $2.78B (2022) to $556.6M (2025), a 80% decline worth watching.
The company is burning cash at the operating level, which is not unusual for growth-phase companies but adds risk if it persists. It is important to consider these factors alongside broader market conditions and individual financial goals when reviewing AIFU.