AIFU Inc. (AIFU)

Nasdaq: AIFU · Insurance Agents, Brokers & Service · Guangzhou · filing with the SEC since 2007

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Grade2.3

◀ Past 4.2● Present 1.9▶ Future 1.3

1 est.

Overview Business Financials Grade Forecast Sentiment Ownership People Filings Patents Chart

The grade of AIFU Inc.

Nine metrics read from its own filings, by tense

Headline grade

2.3/10

◀ Past4.225% of the headline

● Present1.945% of the headline

▶ Future1.330% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 8 read as filed from the record and 1 is an SI estimate, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

4.2/1025% of the headline grade · 3 of 3 filed

Surviving crises

as filed

7.3/10

Has it survived what it has been through?

No warning events in its filings since 2017.

weight 45% of this tense · 73rd percentile among 30 sector filers · read for itself

From the record

AIFU Inc.'s filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed

1.5/10

What has it actually done, year after year?

-19.9% a year over 10 filed years; profitable in 9 of 10.

weight 33% of this tense · 15th percentile among 29 sector filers · read for its customers

From the record

AIFU Inc.'s 10 filed years say what it did: revenue went from CNY 4.1 billion in fiscal 2016 to CNY 557 million in fiscal 2025, down 19.9% a year; it rose in 3 of 9 years; the deepest fall was 86% from fiscal 2017 to fiscal 2025; net income was positive in 9 of 10 of those years (its annual reports).

What it rests on

revenue growth over the filed span-19.9%bottom 2% of its family
the share of years revenue rosebottom 2% of its family
the share of filed years with a profittop 46% of its family
the deepest fall from a revenue peak86.4%bottom 2% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed

1.8/10

How has it treated the people who own it?

Share count grew 55.7% a year. 0% of cash flow returned. Insiders: 0 sales, 0 purchases.

weight 22% of this tense · 18th percentile among 20 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, AIFU Inc.'s diluted share count grew about 55.7% a year, and dividends and buybacks returned about 0% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 0 sales and 0 purchases of their own stock on the open market in the year to 2026-09-30 (their Form 4 filings).

What it rests on

the share count over the yearsbottom 15% of its family
cash returned against operating cash flowbottom 22% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

1.9/1045% of the headline grade · 2 of 3 filed, 1 estimated

Financial health

as filed

2.3/10

Is it financially healthy right now?

ROE -483%: lost 483¢ per shareholder dollar. Leverage 69%: owes 69¢ per asset dollar.

weight 33% of this tense · 23rd percentile among 30 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, AIFU Inc. lost about 483 cents for every dollar of shareholders' money. Leverage: it owed about 69 cents per dollar of assets, and net share issuance: its share count grew 278.6% over the year (the filed statements).

What it rests on

what it owes per dollar of assetstop 38% of its family
return on equitybottom 2% of its family
the share count against the year beforebottom 6% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed

0.2/10

How strong is its position in its industry?

bottom 2% of 30 in its family; net margin -408.6%.

weight 45% of this tense · 2nd percentile among 30 sector filers · read for its customers

From the record

AIFU Inc.'s standing among 30 graded names in its industry family: revenue of CNY 557 million in fiscal 2025 is not ranked by size, since the family reports in another currency; a net margin of -408.6% ranks in the bottom 2%; revenue growth of -41.5% a year over the last 3 filed years ranks in the bottom 2% (its annual reports).

What it rests on

net margin-408.6%bottom 2% of its family
three-year revenue growth-41.5%bottom 2% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

SI estimate

4.9/10

What are the people in charge doing?

SI estimate 4.9/10, confidence 20 of 100 (family median).

weight 22% of this tense · 50th percentile among 24 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate: It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-18 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 8 months and cannot see past it; a floor under five years is not read as years in charge, so the desk assumes the typical reading of its industry family, the median of 24 members with one.
What the record cannot read: It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-18 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 8 months and cannot see past it; a floor under five years is not read as years in charge.
How it was reasoned: family median, 24 readings behind it.
Confidence: 20 of 100
What would change it: Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: AIFU Inc.'s leadership is put at 4.9 of 10 with a confidence of 20 of 100, because it files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-18 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 8 months and cannot see past it; a floor under five years is not read as years in charge, so the desk assumes the typical reading of its industry family, the median of 24 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

▶ Future

What are they set up to do next?

1.3/1030% of the headline grade · 3 of 3 filed

Room to expand

as filed

3.2/10

How much room does it have to grow?

bottom 32% of 29 in its family for room to expand.

weight 33% of this tense · 32nd percentile among 29 sector filers · read for itself

From the record

AIFU Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of CNY 31 million against no long-term debt tagged leaves 2% of its assets as net cash, bottom 47% of its family; cash from operations less capital spending is -3.5% of revenue (bottom 18%) (its annual report).

What it rests on

cash less debt against assets2.0%bottom 47% of its family
cash from operations less capital spending against revenue-3.5%bottom 18% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed

0.3/10

What could actually drive growth from here?

bottom 3% of 29 in its family for growth drivers.

weight 33% of this tense · 3rd percentile among 29 sector filers · read for its customers

From the record

AIFU Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew -41.5% a year over the last three filed years against -19.9% over all 10, slowing (bottom 2% of its family); the newest year grew -58.2% (bottom 2%); capital spending grew -65% a year (bottom 7%) (its annual reports). AIFU Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

three-year growth against the whole span-21.6 points a yearbottom 2% of its family
the newest year's revenue growth-58.2%bottom 2% of its family
three-year growth of capital spending-65.0%bottom 7% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed

0.3/10

Did its newest year beat what its own record pointed to?

bottom 3% of 25 in its family for expectations against reality.

weight 33% of this tense · 3rd percentile among 25 sector filers · read for its shareholders

From the record

AIFU Inc.'s newest year against its own record: revenue of CNY 557 million in fiscal 2025 came in 39.6% below the CNY 922 million its prior three years' pace pointed to (bottom 2% of its family); net income of CNY 2.3 billion against a prior three-year average of CNY 228 million (bottom 4%); a net margin of a loss larger than its revenue against 12.3% before (bottom 2%) (its annual reports).

What it rests on

revenue against the prior three years' pace-39.6%bottom 2% of its family
net income against the prior three years' averagefive times below its prior average or morebottom 4% of its family
net margin against its prior averagedown more than 100 pointsbottom 2% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton AIFU · research, not advice