AIFU

Insurance - Brokers · Financial Services

Price

$18.50

+3.50 (+23.33%)

Market Cap

$109.6M

Exchange

NASDAQ

Winston Score

Winston is curious

Mixed quality — meaningful strengths and weaknesses.

Data as of Aug 23, 2026 · filings through Dec 31, 2023

How the score breaks down

Quality

Good

Growth

Good

Cash Flow

Weak

Stability

Exceptional

Valuation

Data not available

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Share count rising — dilution

+88.6% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 5.4M (2021) → 10.1M (2025)

Winston Score History

The full picture

AIFU Inc. is a Chinese company that helps people buy insurance products online. It acts as a middleman — connecting customers in China with insurance companies that sell life, health, and other types of coverage. The company uses artificial intelligence tools to match customers with policies and to help insurance agents do their jobs more efficiently.

AIFU makes money by earning commissions when customers purchase insurance policies through its platform. It operates almost entirely in China and is a relatively small player in a crowded market dominated by much larger brokers and direct insurers. The company's heavy use of AI-driven tools is meant to give it an edge, but its operating margin of roughly negative 287% shows it is spending far more than it earns — meaning the biggest risk it faces right now is burning through cash before it can reach profitability.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-21.4% YoY

YoY Growth Rate

Revenue declining

EPS Growth

-142.9% YoY

YoY Growth Rate

Earnings declining

R&D Spend

¥0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

89.7%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

¥398M cash & investments

Quarterly Free Cash Flow

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

AIFU's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Profit per sale

Gross Margin

36.5%

Modest — 36.5% gross margin

Profit after running costs

Operating Margin

2.7%

Thin — 2.7% operating margin

Return on the money invested

ROCE

36.6%

Exceptional — 36.6% return on capital

ROIC above 25%. Every dollar invested in the business earns more than 25 cents back per year.

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Growth

Sales growth

Sales YoY

+15.0%

Fast-growing sales (+15.0% YoY)

Profit growth

EPS YoY

+188.9%

Earnings growing fast (+188.9% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is

EPS Consistency

4/8 quarters

Earnings inconsistent quarter-to-quarter

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Cash Flow

Profit that turns into cash

Cash Conversion

36%

Weak — only 36% of profit becomes cash

Spare cash per sale

FCF Margin

3.2%

Thin free cash flow (3.2%)

FCF margin between 0% and 10%. Some cash from sales, but not a lot.

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Stability

What it owes vs what it owns

Debt / Equity

0.12

Conservative — low debt load (0.12)

Covers its interest

Interest Cover

36.34x

Comfortably covers interest (36.3x)

Interest coverage above 8. Profits cover interest many times over.

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Valuation

Price vs profit

P/E Ratio (TTM)

N/M

Negative earnings — P/E not meaningful

Cheaper or dearer next year

P/E vs Forward

N/A

not available

Data not available

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Dividends

Not applicable for this business.

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