AIFU Inc. Class A Ordinary Share (AIFU) fair value
Financial Services · Insurance Brokers · NASDAQ · United States
$10.77-4.94%
Market cap $64MNext earnings 2025-09-18Updated Oct 19, 2026
Our verdict
Trades 79% above our fair value
Price
$10.77
Model fair valueConfidence: low
about $6.00
Built from weaker models, sales multiples or analyst targets, so treat it as a rough guide.
Not used by alerts or posts.
Valued as a loss-making company: Analyst consensus.
ACCE opinionAIFU Inc. Class A Ordinary Share (AIFU)
Fair value (2 models)
Not available
ACCE price target
$8.73
Rating
Not rated
Horizon
12 months
ACCE price target published on 15 Oct 2026, 00:00 CEST.
Price used: $10.77 at the close on 23 Oct 2026, 22:00 CEST.
Models: Analyst consensus.
Fair value: the average of the applicable valuation models (discounted cash flow, multiples, residual income, dividend discount, shareholder yield), each run on the latest financial statements and the market price shown. Opinion columns (fair value, target, rating) are shown apart from the data. Full methodology: acceinvestments.com/data/how-we-value-stocks
Conflicts of interest: The author holds no personal position in this security. General statement
Produced by ACCE Investments (acceinvestments.com)
Data
ACCE score
34
out of 100
Analysts
0% buy
1 covering
1-year return
-89.1%
Dividend yield
0.00%
AIFU Inc. Class A Ordinary Share in four questions
Plain answers, details below
Free accounts get 5 full stock pages a month, including the four answers.
Overview
ACCE thesis
AIFU Inc. is a small insurance brokerage, a company that earns commissions by placing policies for clients rather than underwriting risk itself. The business sits in a 67M USD market cap with revenue shrinking 24% year on year and a return on equity of -112.3%, so the reported losses are large relative to the capital base. The 50.9% gross margin and 16.0% operating margin show the brokerage model still earns decent unit economics, which makes the question whether the revenue decline is cyclical or structural. The forward P/E of 20.4 against a trailing P/E of zero implies the market expects a return to profit, but that depends on stabilising the top line. The score of 34/100 and absence from any index argue for a quick screen before any deeper work.
⚠ Investor warnings · 3 flagsAI-assisted·How I use AI
severe
Free cash flow deeply negative
Free cash flow is $-19,611,000 against a $66M market cap, while revenue fell 24.0% YoY and earnings fell 96.8%. Operating cash burn at this scale is a going-concern question.
high
Revenue and earnings in decline
Revenue is down 24.0% YoY with a 5-year revenue CAGR of -29.8%. Earnings are down 96.8% YoY and ROE sits at -112.3%, so the business is shrinking as well as losing money.
high
Price well above ACCE target
The stock trades 23.4% above the ACCE price target of $8.73, against a current price of $10.77. The ACCE score also fell 12 points over 90 days, from 46 to 34.
AI research notes
AI-assisted·How I use AIWritten Oct 18, 2026 · figures from 2026-03-31 · prices to Oct 23, 2026
Why it could do well
Forward P/E of 20.4x means the market is not pricing this company at a high multiple on next year's earnings.
Debt to equity of 0.18 means the company carries relatively little borrowing against its equity base.
Earnings per share came in at -0.51, exactly in line with the -0.51 analysts expected in the latest report.
Why it could disappoint
Revenue fell 24.0% year over year, and has fallen 29.8% per year on average over five years.
Free cash flow over the last twelve months was negative at -CNY 20M, and the yield is -4.4%.
Each chip shows the exact figure and where it comes from. A claim without a source is not published.
Walk me through this stock
Plain-English pros, cons, and what to watch. Pro feature.
PRO
Ask ACCE
Valuation
INVESTOR
Where AIFU's valuation models land
Price
$10.77
Model fair valueConfidence: low
about $6.00
Model
Fair value
Upside
Analyst consensus
Create a free account: 5 full stock pages a month, no card.
See what each model says, the assumptions behind it, the bad, normal and good cases, and why the fair value changed.
Quality
INVESTOR
Quality and conviction INVESTOR FEATURE
The full quality picture: a reason under every score, how the scores moved, and the conviction breakdown.
+A plain reason under every score
+Conviction breakdown and growth / value / quality / momentum scores