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Upturn AI SWOT - About
AIFU 
Fanhua Inc. (AIFU)
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Upturn Advisory Summary
10/15/2025: AIFU (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
1 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $6
1 Year Target Price $6
| 0 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -32.09% | Avg. Invested days 36 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 58.83M USD | Price to earnings Ratio 0.39 | 1Y Target Price 6 |
Price to earnings Ratio 0.39 | 1Y Target Price 6 | ||
Volume (30-day avg) 1 | Beta 0.23 | 52 Weeks Range 2.16 - 32.40 | Updated Date 10/17/2025 |
52 Weeks Range 2.16 - 32.40 | Updated Date 10/17/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 11.31 |
Earnings Date
Report Date 2025-09-18 | When After Market | Estimate - | Actual - |
Profitability
Profit Margin -1.44% | Operating Margin (TTM) -2.62% |
Management Effectiveness
Return on Assets (TTM) -1.62% | Return on Equity (TTM) -7.37% |
Valuation
Trailing PE 0.39 | Forward PE 20.41 | Enterprise Value 5187320 | Price to Sales(TTM) 0.05 |
Enterprise Value 5187320 | Price to Sales(TTM) 0.05 | ||
Enterprise Value to Revenue 0.03 | Enterprise Value to EBITDA 2.05 | Shares Outstanding 13370271 | Shares Floating 2560862 |
Shares Outstanding 13370271 | Shares Floating 2560862 | ||
Percent Insiders 23.38 | Percent Institutions 0.24 |
Upturn AI SWOT
Fanhua Inc.
Company Overview
History and Background
Fanhua Inc., established in 1998, is a leading independent technology and financial services platform focused on building and empowering its agent network. Its digital insurance platform enables the creation of high-quality digital insurance products to suit evolving customers' needs.
Core Business Areas
- Insurance Agency: Fanhua distributes a wide range of insurance products from numerous insurance companies in China, covering property and casualty, and life and health insurance.
- Technology Platform: The iPartners platform is a digital ecosystem that is focused on providing insurance agents with data-driven decision-making tools and customized training courses.
Leadership and Structure
Fanhua Inc. is led by an executive team, including CEO Chunlin Wang. The company operates with a hierarchical structure, with regional and branch managers overseeing agent networks.
Top Products and Market Share
Key Offerings
- Life Insurance Products: Includes term life, whole life, universal life, and endowment policies. Fanhua aggregates products from multiple providers. Competitors include other insurance brokers and direct insurance companies.
- Property and Casualty Insurance Products: Includes auto, property, and accident insurance. Again, Fanhua acts as an intermediary. Competitors include direct insurers and other brokers.
Market Dynamics
Industry Overview
The insurance market in China is growing rapidly, driven by increasing disposable incomes and a growing awareness of insurance products. The market is becoming more competitive with the entry of new players and the rise of digital insurance platforms.
Positioning
Fanhua Inc. is positioned as a leading independent insurance intermediary in China, with a strong network of agents and a technology-driven approach. Its competitive advantage lies in its extensive distribution network and its ability to offer a wide range of insurance products from multiple providers.
Total Addressable Market (TAM)
The Chinese insurance market is vast and growing, estimated to be in the hundreds of billions of dollars annually. Fanhua Inc. is positioned to capture a significant share of this market through its agent network and technology platform.
Upturn SWOT Analysis
Strengths
- Extensive agent network
- Strong brand recognition
- Technology-driven platform
- Diversified product portfolio
- Strategic partnerships with insurers
Weaknesses
- Dependence on agent performance
- Regulatory risks
- Competition from direct insurers
- Geographic concentration (China)
- Potential for misconduct by agents
Opportunities
- Expansion into new geographic markets within China
- Development of new insurance products and services
- Increased adoption of digital insurance platforms
- Strategic acquisitions
- Partnerships with technology companies
Threats
- Changes in government regulations
- Increased competition
- Economic slowdown in China
- Technological disruption
- Reputational risks
Competitors and Market Share
Key Competitors
- PING (Ping An Insurance Group)
- 601318.SS (China Life Insurance)
- CPIC (China Pacific Insurance)
- AIG
Competitive Landscape
Fanhua faces competition from large state-owned insurers, as well as other independent insurance intermediaries. Its advantage lies in its technology platform and agent network.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends are unavailable in the specific JSON requested format.
Future Projections: Future growth projections are unavailable in the specific JSON requested format.
Recent Initiatives: Recent initiatives undertaken are unavailable in the specific JSON requested format.
Summary
Fanhua Inc. operates in a dynamic market with growth potential, leveraging its agent network and digital platform. The company needs to monitor regulatory changes and competition from larger players. Its success depends on agent performance and the effective use of its technology. While having a strong agent network, it needs to be careful about misconduct.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- Market Research Reports
- Financial News Articles
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Fanhua Inc.
Exchange NASDAQ | Headquaters - | ||
IPO Launch date 2007-11-01 | CEO & Vice Chairperson Ms. Mingxiu Luan | ||
Sector Financial Services | Industry Insurance Brokers | Full time employees 4707 | Website https://www.aifugroup.com |
Full time employees 4707 | Website https://www.aifugroup.com | ||
AIFU Inc., through its subsidiary, distributes insurance products in China. The company operates through two segments, Insurance Agency and Claims Adjusting. The Insurance Agency segment 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. The Claims Adjusting segment offers pre-underwriting survey, claims adjusting, residual value disposal, loading and unloading supervision, and consulting services. 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 Guangzhou, China. AIFU Inc. is a subsidiary of Highest Performances Holdings Inc.
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