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AIAIFU

AIFU Inc.

$AIFU·$221M·Insurance - Brokers·Financial Services
$21.35-3.3%YTD+1317.4%1Y-78.0%
Mentions · last 7 days
2026-08-19: 1 posts2026-08-20: 6 posts2026-08-21: 17 posts2026-08-22: 0 posts2026-08-23: 1 posts350%
Price updated 12h ago·X counts updated 5d ago
AIAIFU
$AIFUAIFU Inc.
$21.35-3.31%35 posts0%
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Today's AI verdict on what's driving $AIFU, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Broken storyEvent coming upAI verdict · as of 2026-08-28

A known event soon (earnings, a ruling, etc.) will likely decide the next move.

AIFU is +1,317% YTD but -75% T12M — the pre-2024 insurance-broker business dropped 96% in scale, June MOU to acquire an industrial-AI company is the pivot narrative.

AIFU is a $221M-cap Chinese insurance broker + claims-adjusting operator (Guangzhou-based) pivoting toward industrial-AI at $22.08 — up 1,317% YTD but down 75% over twelve months, sitting at 36% of the 52-week range.

  • Fundamentals: TTM P/E -0.15x (deeply negative), P/S 3.6x, gross margin 49%, op margin -287%, FCF yield -1%, debt/equity 0.18x. Every profitability metric is broken.
  • Revenue growth: available only for 2023 fiscal quarters — Q4 2023 $603M (-21%), Q3 2023 $635M, Q2 2023 $1.13B (+61%), Q1 2023 $828M (+21%). More recent 2024/2025 EPS prints show quarterly EPS $4.95 (Nov 2024), -$28.73 (Mar 2024), $1.74 (Nov 2023), $0.78 (Aug 2023) — wild volatility, likely reflecting share-count changes.
  • Filings tape: Aug 25 Form 3 for new CFO Shanyu Chang (no securities beneficially owned).
  • Structural: 1.35M float (tiny), volume 0.44x normal, position vs 200d MA +94% (huge rally recently), beta 1.00.
  • Insider: no events.
  • News: June 11 AIFU signed MOU to acquire an industrial-AI company, launching strategic transformation.
  • No X sentiment.

Micro-float Chinese pivot story with broken income statement + missing recent quarters + AI-pivot MOU; the +1,317% YTD tape is what the Sep 17 print has to justify.

Agrees with X sentimentNo X sentiment posted. Verdict rests on disclosed micro-float dynamics, the AI-pivot MOU narrative, and the very stale quarterly financials.

What to watch: Q2 or annual earnings on Sep 17 (consensus EPS $11.99 — improbable given historical volatility) — the first post-transformation earnings print is the load-bearing catalyst. A clean revenue print with a named AI-target closing, or the MOU converting to a definitive agreement, is what extends the tape. A Nasdaq minimum-bid-price notice, a large reverse split, or a further stale-financials filing is what confirms broken-story.

On the calendar: 2026-09-17 — Q2/annual earnings

Read the AI verdict + X sentiment for $AIFU

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • X crowd read with bullish/bearish call + post volume
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What it does

Plain-English summary of the business — what they sell and how they make money.

Chinese insurance agency and claims-adjusting firm serving individuals and businesses, integrating AI into distribution workflows.

Industry overviewAI analysisGenerated by AI from underlying data

Where Insurance - Brokers sits in its cycle right now — and what that implies for $AIFU.

Insurance - Brokers · Financial Services

No material change from last week — rising premiums expand the commission base without underwriting risk, creating asset-light revenue growth in a sustained-rate environment with no reserve deterioration risk.

What this means for $AIFU

Neutral — Chinese insurance agency and claims-adjusting firm serving individuals and businesses, integrating AI into distribution workflows; limited read-through from insurance - brokers macro dynamics to this specific revenue mix.

Top industry ETF

$XLFFinancial Select Sector SPDR
+5.6%YTD
+7.9%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
-0.2How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
-147%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
-287%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
-1.0%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
3.6Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
-150%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
49.3%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
0.2Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q3 2024Nov 19, 2024$4.95——
Q4 2023Mar 20, 2024$-28.73——
Q3 2023Nov 20, 2023$1.74——
Q2 2023Aug 30, 2023$0.78——
Next earningsThu, Sep 17·consensus EPS $11.99

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q4 FY23$603.4M-21.4%36.5%2.7%$-0.30$42.3M
Q3 FY23$634.6M+1.6%37.1%5.2%$0.58$12.8M
Q2 FY23$1.1B+61.1%28.5%7.6%$0.25$52.4M
Q1 FY23$827.7M+20.6%33.2%7.3%$0.21$-18.7M

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.0.3×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.34%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.-37.8%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+85.9%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatTiny float · 1.4M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today0.5% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β1.005-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

3New insider — initial holdingsAug 253
AI summary

Shanyu Chang, newly appointed Chief Financial Officer of AIFU Inc., filed a Form 3 initial statement of beneficial ownership on August 25, 2026, with a triggering event date of August 4, 2026. No securities of AIFU are currently beneficially owned by Chang. This is a routine administrative Section 16 filing triggered by Chang's appointment as CFO, with a roughly three-week lag between the triggering event and the filing date.

3New insider — initial holdingsMar 313
AI summary

Form filed by More than One Reporting Person Table I - Non-De filed a Form 3 (initial ownership statement) for AIFU on 2026-03-31, initiating required Section 16 reporting. Role: of Reporting Person. Form 3 is a mandatory administrative filing upon first becoming an insider or 10%+ holder; it does not reflect a purchase or sale event.

3New insider — initial holdingsMar 203
AI summary

Form filed by More than One Reporting Person Table I - Non-De filed a Form 3 (initial ownership statement) for AIFU on 2026-03-20, initiating required Section 16 reporting. Role: of Reporting Person. Form 3 is a mandatory administrative filing upon first becoming an insider or 10%+ holder; it does not reflect a purchase or sale event.

3New insider — initial holdingsMar 183
AI summary

Form filed by More than One Reporting Person Table I - Non-De filed a Form 3 (initial ownership statement) for AIFU on 2026-03-18, initiating required Section 16 reporting. Role: of Reporting Person. Form 3 is a mandatory administrative filing upon first becoming an insider or 10%+ holder; it does not reflect a purchase or sale event.

3New insider — initial holdingsMar 183
AI summary

Form filed by More than One Reporting Person Table I - Non-De filed a Form 3 (initial ownership statement) for AIFU on 2026-03-18, initiating required Section 16 reporting. Role: of Reporting Person. Form 3 is a mandatory administrative filing upon first becoming an insider or 10%+ holder; it does not reflect a purchase or sale event.

3New insider — initial holdingsMar 183
AI summary

Form filed by More than One Reporting Person Table I - Non-De filed a Form 3 (initial ownership statement) for AIFU on 2026-03-18, initiating required Section 16 reporting. Role: of Reporting Person. Form 3 is a mandatory administrative filing upon first becoming an insider or 10%+ holder; it does not reflect a purchase or sale event.

+ 12 other (6 6-Ks · 1 EFFECT · 1 CORRESP · 1 F-3) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

AIFU Signs MOU to Acquire Industrial AI Company, Launching Strategic Transformationglobenewswire.com·79d ago

More in Insurance - Brokers

Peers in the same group — one click to compare setups, fundamentals, and chatter.

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Voices on X · last 7 days

No standout posts about $AIFU on X in the last 7 days.

TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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