AIFU
AIFU Inc.
There isn't enough reported data to score AIFU yet.
BAC
Bank of America Corporation
BAC's fundamentals are strong: its operating margin rose 5 points to 35% and revenue grew 15%. At 12x earnings, it's trading in line with its usual 13x. Analysts expect earnings growth.
AIFU Fundamentals
| Metric | Status |
|---|---|
| Unavailable | |
| Weak | |
| N/A | |
| N/A |
AIFU's profitability is currently weak. There isn't enough data to rate its revenue. Free cash flow and net leverage aren't meaningful measures for financial services companies like AIFU.
BAC Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
BAC's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like BAC.
AIFU PE Valuation
AIFU has no meaningful PE right now: it lost money over the past year.
BAC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.4x | $39.50 | -22% |
| Forward | 10x | $50.51 | — |
| Current | 12x | $50.51 | — |
| Fair | 13x | $53.81 | +6.5% |
| Expensive | 15x | $62.23 | +23% |
Historical ranges are pointers, not guarantees.
BAC's PE is in its fair range at 12x. If earnings grow as analysts expect, today's price would be 10x next year's earnings, in its cheap range.
AIFU Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Stable | |
| Strong decline | |
| -- | |
| Limited | |
| High |
Analysts expect AIFU's revenue to decline, with its earnings and profitability holding steady.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for BAC, with profitability improving.
AIFU Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q4 2025 | -$673.99 | -2774% |
| Q4 2024 | $25.21 | +61% |
| Q4 2023 | $15.61 | +189% |
| Q4 2022 | $5.40 | -61% |
| Q4 2021 | $13.81 | -8% |
| Q4 2020 | $15.01 | +47% |
| Q4 2019 | $10.20 | -65% |
| Q4 2018 | $29.41 | +36% |
AIFU has swung to a loss: it lost $673.99 per share over the past year, after a profit the year before.
BAC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.92 | +17% |
| Q3 2026 | $4.19 | +14% |
| Q2 2026 | $4.34 | +27% |
| Q1 2026 | $4.02 | +20% |
| Q4 2025 | $3.81 | +19% |
| Q3 2025 | $3.66 | +33% |
| Q2 2025 | $3.41 | +20% |
| Q1 2025 | $3.35 | +16% |
| Q4 2024 | $3.21 | +4.2% |
BAC has the edge over AIFU in the latest year-over-year earnings comparison.
AIFU Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q4 2025 | $83.5M | -69% |
| Q4 2024 | $271.5M | -43% |
| Q4 2023 | $480M | +15% |
| Q4 2022 | $417.4M | -15% |
| Q4 2021 | $490.9M | +0.1% |
| Q4 2020 | $490.5M | -12% |
| Q4 2019 | $556.2M | +6.8% |
| Q4 2018 | $520.9M | -15% |
AIFU's revenue has slid since its 2016 peak: $84M last quarter, down 83% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q4 2025 | -7% | -16 points |
| Q4 2024 | -24% | -33 points |
| Q4 2023 | 6.1% | -6.5 points |
| Q4 2022 | 6.1% | -6.2 points |
| Q4 2021 | 9.2% | +2.6 points |
| Q4 2020 | 9.3% | +8.9 points |
| Q4 2019 | 13% | +9.9 points |
| Q4 2018 | 12% | +11 points |
AIFU's operating margin was −7% last quarter, down 16 points from the same quarter a year ago.
BAC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $30B | +6.7% |
| Q2 2026 | $31.6B | +19% |
| Q1 2026 | $30.3B | +11% |
| Q4 2025 | $31.2B | +23% |
| Q3 2025 | $28.1B | +11% |
| Q2 2025 | $26.5B | +4.3% |
| Q1 2025 | $27.4B | +6% |
| Q4 2024 | $25.3B | +15% |
BAC has the edge over AIFU in the latest year-over-year revenue comparison.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 30% | -3.7 points |
| Q2 2026 | 37% | +7.6 points |
| Q1 2026 | 34% | +4.7 points |
| Q4 2025 | 40% | +12 points |
| Q3 2025 | 34% | +4.8 points |
| Q2 2025 | 29% | -0.7 points |
| Q1 2025 | 30% | +1.5 points |
| Q4 2024 | 28% | +14 points |
BAC's operating margin was 30% last quarter, down 3.7 points from the same quarter a year ago.
AIFU Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q4 2025 | -$2.9M | -115% |
| Q4 2024 | $20.2M | +51% |
| Q4 2023 | $13.3M | +48% |
| Q4 2022 | $9M | -37% |
| Q4 2021 | $14.3M | -75% |
| Q4 2020 | $58.1M | +144% |
| Q4 2019 | $23.8M | -68% |
| Q4 2018 | $75.2M | +282% |
AIFU's free cash flow was $40M over the past year, down 77% from the year before. Free cash flow isn't a meaningful measure for financial services companies like AIFU.
BAC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$6.5B | -114% |
| Q2 2026 | $29B | +$38.2B |
| Q1 2026 | $41.8B | +$44B |
| Q4 2025 | -$22.9B | -189% |
| Q3 2025 | $46.9B | +$84.2B |
| Q2 2025 | -$9.1B | -150% |
| Q1 2025 | -$2.2B | +$13.4B |
| Q4 2024 | $25.9B | -21% |
BAC's free cash flow was $41.4B over the past year, down 33% from the year before. Free cash flow isn't a meaningful measure for financial services companies like BAC.
AIFU Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -81% | -2.2M shares |
| 1 year | -81% | -2.2M shares |
| 3 years | -80% | -2M shares |
AIFU has the edge over BAC on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2019 | $1.2M |
| Q4 2018 | $22M |
| Q4 2015 | $941,847 |
| Q4 2012 | $1.4M |
| Q4 2011 | $2.1M |
| Q4 2010 | $5.6M |
BAC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1% | -72M shares |
| 1 year | -5.3% | -405M shares |
| 3 years | -11% | -854M shares |
| 5 years | -15% | -1.3B shares |
| Available history | -24% | -2.2B shares |
BAC has 7.2B diluted shares, down 5.3% from a year ago, with $25.6B in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $6B |
| Q2 2026 | $6B |
| Q1 2026 | $7.2B |
| Q4 2025 | $6.3B |
| Q3 2025 | $5.3B |
| Q2 2025 | $5.3B |
| Q1 2025 | $4.5B |
| Q4 2024 | $3.5B |
BAC spent $25.6B buying back its own shares over the past year, up 37% from the year before.
AIFU Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q4 2023 | -1.6x | Net Cash |
| Q4 2022 | -2.8x | Net Cash |
AIFU has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like AIFU.
BAC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 6.4x | High |
| Q2 2026 | 6.7x | High |
| Q1 2026 | 7.1x | High |
| Q4 2025 | 7.7x | High |
| Q3 2025 | 8.3x | High |
| Q2 2025 | 8.8x | High |
| Q1 2025 | 8.6x | High |
| Q4 2024 | 9.0x | High |
BAC's net debt is about 6.4 years of its operating earnings (EBITDA), down from 8.3 years a year ago. Net leverage isn't a meaningful measure for financial services companies like BAC.
AIFU Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 31.7 | Neutral |
| Stochastic | 3.5 | Oversold |
AIFU's weekly RSI is 32 (neutral) and its Stochastic is 4 (oversold).
BAC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 37.1 | Neutral |
| Stochastic | 4.9 | Oversold |
BAC's weekly RSI is 37 (neutral) and its Stochastic is 5 (oversold).
AIFU PE vs Financial Services Sector
| Metric | AIFU | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
AIFU has no meaningful PE right now: it lost money over the past year.
BAC PE vs Financial Services Sector
| Metric | BAC | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 7.5% below |
| PE % | 40 | 63 | 23 pts below |
BAC is trading at 12x earnings, in line with the Financial Services sector's median of 13x.
AIFU Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $10.4 | 11% below |
| 20 week MA | $21.0 | 56% below |
| 50 week MA | $33.6 | 73% below |
| 100 week MA | $80.3 | 89% below |
| 200 week MA | $1,076.1 | 99% below |
AIFU is in a downtrend: it's below all five of its weekly moving averages, and 99% below its 200-week average.
BAC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $52.1 | 3% below |
| 20 week MA | $57.8 | 13% below |
| 50 week MA | $54.7 | 7.7% below |
| 100 week MA | $50.5 | 0% below |
| 200 week MA | $42.5 | 19% above |
BAC has the edge over AIFU on trend strength, trading above more of its moving averages.
AIFU Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $10,180.0 | $4,984.0 | -51% |
| 2021 | $4,984.0 | $2,900.0 | -42% |
| 2022 | $2,900.0 | $3,100.0 | +6.9% |
| 2023 | $3,100.0 | $2,660.0 | -14% |
| 2024 | $2,660.0 | $456.0 | -83% |
| 2025 | $456.0 | $57.0 | -88% |
| 2026 YTD | $57.0 | $9.18 | -84% |
AIFU has finished three years in a row lower, and it's down 84% so far in 2026.
BAC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $35.4 | $30.0 | -15% |
| 2021 | $30.0 | $44.4 | +48% |
| 2022 | $44.4 | $32.5 | -27% |
| 2023 | $32.5 | $33.7 | +3.7% |
| 2024 | $33.7 | $44.3 | +32% |
| 2025 | $44.3 | $56.2 | +27% |
| 2026 YTD | $56.2 | $50.5 | -10% |
BAC has the edge over AIFU on returns for 2026, with the stronger performance.