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AIFU Inc (AIFU) fair value: what the stock is really worth

As of Oct 20, 2026: fair value (intrinsic value) of AIFU Inc stock $5.35, price $10.72, upside -50.1%, quality 27 out of 100. Rating: strongly overvalued. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? No
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Financial Services · US · Based in China · ISIN KYG3314G1284

AI AIFU Inc logo Thin data Oct 21, 2026

AIFU Inc

AIFU · US

Weakest SetupStrongly overvalued and low quality.

Our calculation puts a fair price 50% below what the stock costs today.

Mixed Growth (revenue 5y −1.6 %/yr in USD)
Fair value $5.35 · Strongly overvalued (−50.1%)
Quality 27/100
Negative free cash flow
Trails peers (3/8)
Narrow moat 25/100
Thin data
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$5,789 $8.55 Fair Value $5.35 Jul 2021 Oct 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 21, 2026.

How to read this chart

60‑month range $8.55 – $5,789 · fair‑value band $3.99 – $7.98 · the $10.72 price screens above the $5.35 fair value. Dashed = 300-day average. As of Oct 21, 2026.

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Company profile

AIFU Inc., through its subsidiary, distributes insurance products in China.

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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.

It also provides value-added services; elderly care services; healthcare services; and family governance services.

In addition, the company operates FA app, an insurance sales and service platform; Fanhua RONS Assistant Digital Operating Platform, a digital marketing platform; Fanhua RONS Guanjia, a customer service platform; and WeCom that enables agents to directly interact with existing and potential customers.

It serves customers through insurance sales and service group, insurance agencies and insurance brokerage firms, as well as sales and service outlets, individual sales agents, and in-house claims adjustors. The company was formerly known as AIX Inc. and changed its name to AIFU Inc. in April 2025.

AIFU Inc. was founded in 1998 and is headquartered in Shenzhen, China. AIFU Inc. operates as a subsidiary of YS Management Company Limited.

Stock analysis

AIFU Inc (AIFU) currently trades at $10.72, while our model-based Fair Value estimate is $5.35, 50.1% below the price, so the stock looks overvalued today.

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Valuation

How firm this estimate is: it rests on 1 models at a data quality of 94/100, which puts the data coverage at low.

Scenario range: $3.99 (bear) to $7.98 (bull), the price of $10.72 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 27/100 (below-average quality), in the Financial Services sector.

Mixed Growth: Spin-off in 2025: revenue and profit before it include the divested business. Growth is measured afresh from 2025.

AIFU Inc reported revenue of 557M CNY in FY2025 versus 3.3B CNY in FY2021, a compound −35.8%/yr. Reported net income was −2.3B CNY in FY2025.

Key figures

Market cap $109M Micro · P/S ratio 0.13 · EPS (TTM) $−404.01 · Return on equity −112% · Return on assets (EBIT) −19.1% · Operating margin 16.0% · Revenue (TTM) $485M · Revenue growth (YoY) −24.0%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 25 out of 100 (medium confidence).

What moves the price

The share trades about 90% below its 52-week high and 25% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −55% fair-value upside, at −50%, AIFU screens cheaper than that median.

Fair Value models

Bear $3.99 Fair Value $5.35 Bull $7.98
Price $10.72 · Upside -50.1%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
NCAV (Graham) $3.99 $5.35 $7.98 51
All 1 models by family
Asset-Based
NCAV (Graham) $3.99 $5.35 $7.98 51

Open the full fair value analysis →

Quality Score breakdown

Overall quality 27/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 10
How much profit the company makes from its sales and capital
Quality Growth 23
Are margins and returns getting better?
Cashflow 4
Do the profits arrive as real cash?
Financial strength 47
Debt, balance sheet and risk of trouble
Investment 100
Does it invest with discipline instead of growing at any price?
Low Volatility 50
How calm the share price moves, does not count
Momentum 0
Price trend of the last 3 to 12 months, does not count
Near the 52-week high 1
Distance to the 52-week high, does not count
New shares 0
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 55/100
Spin-off in 2025: revenue and profit before it include the divested business. Growth is measured afresh from 2025.
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−0.7%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−1.6%
Revenue growth 21 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+26.8%
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
9.2% (2020) → −287.3% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

AIFU screens overvalued: fair value 50% below the price. Compare with Marsh & McLennan Companies, Inc →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Insurance Brokers · 37 stocks

Beats the industry median on 3/7 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 27 · Bottom 25%
Fair Value upside −50.1% · Above median
Profitability
Return on assets −148.9% · Bottom 25%
Operating margin (12 months) 16.0% · Below median
Growth and dividend
Revenue growth (quarter YoY) −24.0% · Bottom 25%

Valuation Multiplesvs Insurance Brokers median · lower = cheaper

P/B 0.23× · Cheapest 25%
P/S (12 months) 0.22× · Cheapest 25%

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Insurance Brokers stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Accelerant Holdings ARX $19.75 $39.50 +100% vs AIFU
Steadfast Group SDF A$5.78 A$3.15 −46% vs AIFU
Brown & Brown, Inc BRO $69.22 $35.18 −49% vs AIFU
Willis Towers Watson Public Limited WTW $296.26 $145.43 −51% vs AIFU
Marsh & McLennan Companies, Inc MRSH $175.76 $78.64 −55% vs AIFU
Aon plc AON $273.47 $120.53 −56% vs AIFU
Erie Indemnity Company ERIE $242.25 $100.27 −59% vs AIFU
Arthur J. Gallagher & Co AJG $253.01 $75.76 −70% vs AIFU
Ryan Specialty Holdings RYAN $37.67 $5.22 −86% vs AIFU
PB Fintech Limited POLICYBZR ₹1,067 ₹137.52 −87% vs AIFU

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AIFU Inc · Fair Value
$5.35 −50%Fair Value
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Cite: Fair Value Calculator (2026). "AIFU Inc Fair Value". https://www.fairvalue-calculator.com/stock/AIFU

Frequently asked questions

Is AIFU Inc (AIFU) overvalued or undervalued?
As of Oct 21, 2026, our model estimates a fair value of $5.35 versus a price of $10.72, about −50% upside (overvalued).
What is the fair value of AIFU?
Our model-based fair value for AIFU Inc is $5.35 (as of Oct 21, 2026), built from audited fundamentals. The current price: $10.72.
What is the quality score of AIFU?
AIFU Inc has a Quality Score of 27/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for AIFU Inc (AIFU)?
Our model-based price target is the fair value of $5.35 (as of Oct 21, 2026) from 1 valuation models. Cautious scenario $3.99, optimistic scenario $7.98. It is a calculation from audited fundamentals, not an analyst target.
What is the AIFU Inc stock forecast for 2026?
Our models put fair value at $5.35, about −50% upside versus a price of $10.72 (overvalued). Cautious scenario $3.99, optimistic scenario $7.98. The calculation is refreshed regularly with new filings.
What is the revenue of AIFU Inc (AIFU)?
AIFU Inc reported trailing-twelve-month revenue of about $485M (latest available figure, as of Oct 21, 2026).
What is the intrinsic value of AIFU Inc (AIFU)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For AIFU Inc it is $5.35 per share (as of Oct 21, 2026), against a price of $10.72. It is the blended result of 1 valuation models (cash flow, earnings, asset, dividend).
Is AIFU Inc stock overvalued or undervalued in 2026?
As of Oct 21, 2026, AIFU trades above its calculated fair value: price $10.72, fair value $5.35, a gap of about −50% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of AIFU?
No. The price is what the market pays today ($10.72); the fair value is what the company's own numbers justify ($5.35). For AIFU Inc the two are $5.37 per share apart. That gap is exactly why we show both numbers side by side.
How much is AIFU Inc worth?
The market values AIFU Inc at about $109M (market capitalisation, as of Oct 21, 2026). Per share that is $10.72; our models calculate a fair value of $5.35 per share.
What do the bullish and bearish scenarios say about AIFU?
Our models span a range for AIFU Inc: cautious scenario $3.99, base $5.35, optimistic $7.98 per share (as of Oct 21, 2026, price $10.72). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of AIFU Inc (AIFU)?
Balance-sheet figures for AIFU Inc (as of Oct 21, 2026): return on equity −112.3%. They feed the Quality Score of 27/100, which measures business quality independently of the share price.
How far is AIFU from its 52-week high?
AIFU Inc trades at $10.72, about 90% below its 52-week high of $104.00 and 25% above the low of $8.55 (as of Oct 20, 2026). Distance from the high says nothing about value: that is what the fair value of $5.35 is for.
Which stocks are comparable to AIFU Inc?
From the same area (Financial Services) we also value Marsh & McLennan Companies, Inc, Arthur J. Gallagher & Co, Aon plc, Willis Towers Watson Public Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is AIFU Inc stock attractive at the current price?
The data as of Oct 21, 2026: price $10.72, calculated fair value $5.35 (−50%), Quality Score 27/100, from 1 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of AIFU calculated?
We run AIFU Inc through 1 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $5.35, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.8 % above its aggregate fair value. AIFU Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of AIFU Inc (AIFU)?
The closing price on Oct 20, 2026 was $10.72. Our model-based fair value is $5.35, about −50% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with AIFU Inc right now?
The price sits above even our optimistic bull case ($7.98). The favourable scenario is already priced in. Weak quality (27/100) and above fair value at the same time, the margin of safety is missing on both counts. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. A fairly wide model range ($3.99 to $7.98) leaves room in how you read the outcome.

Key figures of AIFU Inc

How large is the market capitalisation of AIFU Inc (AIFU)?
The market capitalisation of AIFU Inc is $109M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of AIFU Inc (AIFU)?
The price-to-sales ratio of AIFU Inc is 0.13 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of AIFU Inc (AIFU)?
Earnings per share at AIFU Inc are $−404.01. Earnings per share over the last twelve months: total profit spread across every single share.
What is the return on equity of AIFU Inc (AIFU)?
The return on equity (ROE) of AIFU Inc is −112% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of AIFU Inc (AIFU)?
On an EBIT basis the return on assets of AIFU Inc is −19.1% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of AIFU Inc (AIFU)?
The operating margin of AIFU Inc is 16.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at AIFU Inc (AIFU)?
Revenue at AIFU Inc is growing −24.0% versus a year earlier (3y avg −0.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at AIFU Inc (AIFU)?
Earnings per share at AIFU Inc are growing −96.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does AIFU Inc (AIFU) generate?
The free cash flow of AIFU Inc is −$19.6M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does AIFU Inc (AIFU) carry?
The net debt of AIFU Inc is $55.7M (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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