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Upturn AI SWOT - About
Fanhua Inc. (AIFU)
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Upturn Advisory Summary
08/14/2025: AIFU (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 -24.19% | Avg. Invested days 36 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 18.36M USD | Price to earnings Ratio 0.85 | 1Y Target Price 6 |
Price to earnings Ratio 0.85 | 1Y Target Price 6 | ||
Volume (30-day avg) 1 | Beta -0.01 | 52 Weeks Range 2.16 - 44.00 | Updated Date 07/3/2025 |
52 Weeks Range 2.16 - 44.00 | Updated Date 07/3/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.38 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 6.28% | Operating Margin (TTM) 4.89% |
Management Effectiveness
Return on Assets (TTM) 1.64% | Return on Equity (TTM) 6.49% |
Valuation
Trailing PE 0.85 | Forward PE 20.41 | Enterprise Value -59074915 | Price to Sales(TTM) 0.01 |
Enterprise Value -59074915 | Price to Sales(TTM) 0.01 | ||
Enterprise Value to Revenue 0.12 | Enterprise Value to EBITDA 2.05 | Shares Outstanding 56705400 | Shares Floating 460833603 |
Shares Outstanding 56705400 | Shares Floating 460833603 | ||
Percent Insiders 0.87 | Percent Institutions 2.97 |
Upturn AI SWOT
Fanhua Inc.
Company Overview
History and Background
Fanhua Inc., founded in 1998, is a leading independent technology platform providing insurance and financial services in China. It has evolved from a traditional insurance agency to an integrated platform, leveraging technology to connect insurance companies, financial institutions, agents, and customers.
Core Business Areas
- Insurance Agency: Fanhua acts as an intermediary, distributing insurance products from various insurance companies. They offer a wide range of insurance products, including life, health, property, and casualty insurance.
- Financial Services: Fanhua provides financial services such as wealth management and lending products to its customers.
Leadership and Structure
Fanhua Inc. is led by a board of directors and a management team headed by the CEO. The company operates through a network of branches and agents across China.
Top Products and Market Share
Key Offerings
- Life Insurance: Life insurance products constitute a significant portion of Fanhua's revenue. They offer a variety of life insurance policies including term life, whole life, and universal life. Competitors include Ping An Insurance (2318.HK) and China Life Insurance (2628.HK). No market share specifically available.
- Property and Casualty Insurance: Fanhua also distributes property and casualty insurance products, such as auto insurance and home insurance. Competitors include PICC Property and Casualty (2328.HK). No market share specifically available.
- Health Insurance: Health insurance policies are increasingly important. Competitors include Ping An Healthcare and Technology (1833.HK). No market share specifically available.
Market Dynamics
Industry Overview
The insurance and financial services industry in China is experiencing rapid growth, driven by increasing disposable incomes and a growing awareness of financial planning. The industry is also undergoing digitalization, with technology playing an increasingly important role.
Positioning
Fanhua is positioned as a leading independent platform in the Chinese insurance and financial services market. Its competitive advantages include its extensive distribution network, its technology platform, and its partnerships with major insurance companies.
Total Addressable Market (TAM)
The TAM for insurance and financial services in China is substantial, estimated to be in the trillions of USD. Fanhua is positioned to capture a significant share of this market through its diversified product offerings and expanding network.
Upturn SWOT Analysis
Strengths
- Extensive distribution network
- Advanced technology platform
- Strong partnerships with insurance companies
- Diversified product offerings
- Established brand recognition
Weaknesses
- Dependence on third-party insurance products
- Regulatory risks in China
- Exposure to economic downturns in China
- Competition from larger insurance companies
- Potential for agency misconduct
Opportunities
- Expanding into new geographic markets in China
- Developing new products and services
- Leveraging technology to improve efficiency and customer experience
- Acquiring smaller insurance agencies
- Growing demand for health insurance
Threats
- Increased competition from online insurance platforms
- Changes in government regulations
- Economic slowdown in China
- Cybersecurity risks
- Geopolitical tensions
Competitors and Market Share
Key Competitors
- Ping An Insurance (PNGAY)
- China Life Insurance (LFC)
- New China Life Insurance (NCIHF)
Competitive Landscape
Fanhua faces competition from both traditional insurance companies and online platforms. It differentiates itself through its independent platform and extensive distribution network. Fanhua is smaller in terms of market capitalization compared to its main competitors.
Major Acquisitions
CNinsure Inc.
- Year: 2013
- Acquisition Price (USD millions): 199
- Strategic Rationale: Increased market share and expanded Fanhua's distribution network, making Fanhua the largest insurance intermediary in China
Growth Trajectory and Initiatives
Historical Growth: Historical growth requires real-time data updates which cannot be provided currently.
Future Projections: Future projections requires real-time data updates which cannot be provided currently.
Recent Initiatives: Recent initiatives require real-time data updates which cannot be provided currently.
Summary
Fanhua is a leading insurance intermediary in China with a strong distribution network. The company faces regulatory and competitive pressures. It is well positioned to benefit from the growing demand for insurance in China. However, it must manage risks associated with dependence on third-party products.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Industry Reports
- Analyst Estimates
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered investment advice. Market share data is estimated and may vary. Financial data is based on publicly available information.
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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