AIFU

AIFU Inc.

There isn't enough reported data to score AIFU yet.

GS

The Goldman Sachs Group, Inc.

64
Fundamentals69/ 100
Valuation50/ 100
Upside potential57/ 100
Risk potential14/ 100

GS's fundamentals are strong: revenue grew 19% and its operating margin rose 4 points to 40%. Its PE isn't a useful guide right now because of how its recent earnings were reported.

AIFU Fundamentals

MetricStatus
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.

GS Fundamentals

MetricStatus
Strong
Strong
N/A
N/A

GS's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like GS.

AIFU PE Valuation

AIFU has no meaningful PE right now: it lost money over the past year.

GS PE Valuation

CHEAPFAIREXPENSIVE5.2x10x16x21x
CHEAPFAIREXPENSIVE5.2x10x16x21x
LevelPEPriceVs current
Cheap7.6x$528-42%
Current13x$914—
Forward13x$914—
Fair14x$940+2.9%
Expensive17x$1,214+33%

Historical ranges are pointers, not guarantees.

GS's PE is 13x, but its earnings don't support one, so it isn't a reliable read right now.

AIFU Forward outlook

MetricOutlook
--
Stable
Strong decline
--
Limited
High

Analysts expect AIFU's revenue to decline, with its earnings and profitability holding steady.

GS Forward outlook

MetricOutlook
Stable
Strong growth
Growth
Strongly improving
Limited
Low

Analysts expect earnings and revenue growth for GS, with profitability improving. However, they disagree widely on these estimates.

AIFU Risk to reward

ScenarioChangePrice
UpsideUnknown—
DownsideUnknown—

Calculated from the latest close: $9.18 on Nov 12.

There is not enough scenario data to compare AIFU and GS's risk to reward.

GS Risk to reward

ScenarioChangePrice
Upside+19%$1,085.26
Downside-14%$781.84

Calculated from the latest close: $913.60 on Nov 12.

There is not enough scenario data to compare AIFU and GS's risk to reward.

AIFU Earnings Per Share

Q4 2014: $9.60Q4 2016: $7.80Q4 2017: $21.61Q4 2018: $29.41Q4 2019: $10.20Q4 2020: $15.01Q4 2021: $13.81Q4 2022: $5.40Q4 2023: $15.61Q4 2024: $25.21Q4 2025: $-673.99
Q4 2014: $9.60Q4 2016: $7.80Q4 2017: $21.61Q4 2018: $29.41Q4 2019: $10.20Q4 2020: $15.01Q4 2021: $13.81Q4 2022: $5.40Q4 2023: $15.61Q4 2024: $25.21Q4 2025: $-673.99
QuarterTTM EPSYoY
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.

GS Earnings Per Share

Q4 2023: $22.87Q1 2024: $25.66Q2 2024: $31.20Q3 2024: $34.13Q4 2024: $40.54Q1 2025: $43.08Q2 2025: $45.37Q3 2025: $49.22Q4 2025: $51.32Q1 2026: $54.75Q2 2026: $64.82Q3 2026: $69.58Forward: $72.35
Q4 2023: $22.87Q1 2024: $25.66Q2 2024: $31.20Q3 2024: $34.13Q4 2024: $40.54Q1 2025: $43.08Q2 2025: $45.37Q3 2025: $49.22Q4 2025: $51.32Q1 2026: $54.75Q2 2026: $64.82Q3 2026: $69.58Forward: $72.35
QuarterTTM EPSYoY
Forward$72.35+4%
Q3 2026$69.58+41%
Q2 2026$64.82+43%
Q1 2026$54.75+27%
Q4 2025$51.32+27%
Q3 2025$49.22+44%
Q2 2025$45.37+45%
Q1 2025$43.08+68%
Q4 2024$40.54+77%

GS has the edge over AIFU in the latest year-over-year earnings comparison.

AIFU Quarterly Revenue

Q4 2014: $323MQ4 2015: $424MQ4 2016: $705MQ4 2017: $614MQ4 2018: $521MQ4 2019: $556MQ4 2020: $490MQ4 2021: $491MQ4 2022: $417MQ4 2023: $480MQ4 2024: $271MQ4 2025: $84M
Q4 2014: $323MQ4 2015: $424MQ4 2016: $705MQ4 2017: $614MQ4 2018: $521MQ4 2019: $556MQ4 2020: $490MQ4 2021: $491MQ4 2022: $417MQ4 2023: $480MQ4 2024: $271MQ4 2025: $84M
QuarterRevenueYoY
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.

GS Quarterly Revenue

Q4 2023: $11.3BQ1 2024: $14.2BQ2 2024: $12.7BQ3 2024: $12.7BQ4 2024: $13.9BQ1 2025: $15.1BQ2 2025: $14.6BQ3 2025: $15.2BQ4 2025: $13.5BQ1 2026: $17.2BQ2 2026: $20.3BQ3 2026: $18.7B
Q4 2023: $11.3BQ1 2024: $14.2BQ2 2024: $12.7BQ3 2024: $12.7BQ4 2024: $13.9BQ1 2025: $15.1BQ2 2025: $14.6BQ3 2025: $15.2BQ4 2025: $13.5BQ1 2026: $17.2BQ2 2026: $20.3BQ3 2026: $18.7B
QuarterRevenueYoY
Q3 2026$18.7B+23%
Q2 2026$20.3B+39%
Q1 2026$17.2B+14%
Q4 2025$13.5B-3%
Q3 2025$15.2B+20%
Q2 2025$14.6B+15%
Q1 2025$15.1B+6%
Q4 2024$13.9B+23%

GS has the edge over AIFU in the latest year-over-year revenue comparison.

AIFU Free Cash Flow

Q4 2014: $38MQ4 2015: $41MQ4 2016: $11MQ4 2017: $20MQ4 2018: $75MQ4 2019: $24MQ4 2020: $58MQ4 2021: $14MQ4 2022: $9MQ4 2023: $13MQ4 2024: $20MQ4 2025: −$3M
Q4 2014: $38MQ4 2015: $41MQ4 2016: $11MQ4 2017: $20MQ4 2018: $75MQ4 2019: $24MQ4 2020: $58MQ4 2021: $14MQ4 2022: $9MQ4 2023: $13MQ4 2024: $20MQ4 2025: −$3M
QuarterFree cash flowYoY
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.

GS Free Cash Flow

Q4 2023: −$28.9BQ1 2024: −$28.5BQ2 2024: $5.6BQ3 2024: −$38.5BQ4 2024: $46.2BQ1 2025: −$37.7BQ2 2025: $5.2BQ3 2025: $2.1BQ4 2025: −$16.8BQ1 2026: −$32.4BQ2 2026: $5.6BQ3 2026: $3.7B
Q4 2023: −$28.9BQ1 2024: −$28.5BQ2 2024: $5.6BQ3 2024: −$38.5BQ4 2024: $46.2BQ1 2025: −$37.7BQ2 2025: $5.2BQ3 2025: $2.1BQ4 2025: −$16.8BQ1 2026: −$32.4BQ2 2026: $5.6BQ3 2026: $3.7B
QuarterFree cash flowYoY
Q3 2026$3.7B+72%
Q2 2026$5.6B+7.8%
Q1 2026-$32.4B+$5.3B
Q4 2025-$16.8B-136%
Q3 2025$2.1B+$40.6B
Q2 2025$5.2B-6.8%
Q1 2025-$37.7B-$9.2B
Q4 2024$46.2B+$75.1B

GS's free cash flow was −$40B over the past year, against $15.8B the year before. Free cash flow isn't a meaningful measure for financial services companies like GS.

AIFU Total Shares

Q4 2014: 3MQ4 2016: 3MQ4 2017: 3MQ4 2018: 3MQ4 2019: 3MQ4 2020: 3MQ4 2021: 3MQ4 2022: 3MQ4 2023: 3MQ4 2024: 3MQ4 2025: 506,643
Q4 2014: 3MQ4 2016: 3MQ4 2017: 3MQ4 2018: 3MQ4 2019: 3MQ4 2020: 3MQ4 2021: 3MQ4 2022: 3MQ4 2023: 3MQ4 2024: 3MQ4 2025: 506,643
PeriodChange %Net change
Quarterly-81%-2.2M shares
1 year-81%-2.2M shares
3 years-80%-2M shares

AIFU has the edge over GS on shareholder dilution, with a more favorable share count trend.

GS Total Shares

Q4 2023: 346MQ1 2024: 340MQ2 2024: 336MQ3 2024: 331MQ4 2024: 334MQ1 2025: 325MQ2 2025: 318MQ3 2025: 315MQ4 2025: 318MQ1 2026: 308MQ2 2026: 305MQ3 2026: 301M
Q4 2023: 346MQ1 2024: 340MQ2 2024: 336MQ3 2024: 331MQ4 2024: 334MQ1 2025: 325MQ2 2025: 318MQ3 2025: 315MQ4 2025: 318MQ1 2026: 308MQ2 2026: 305MQ3 2026: 301M
PeriodChange %Net change
Quarterly-1.2%-3.8M shares
1 year-4.4%-13.9M shares
3 years-12%-42.8M shares
5 years-15%-52.8M shares
Available history-20%-74.4M shares

GS has 301M diluted shares, down 4.4% from a year ago, with $15B in buybacks over the past year.

AIFU Net Leverage

Q4 2022: -2.8xQ4 2023: -1.6x
Q4 2022: -2.8xQ4 2023: -1.6x
QuarterNet LeverageStatus
Q4 2023-1.6xNet Cash
Q4 2022-2.8xNet Cash

AIFU has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like AIFU.

GS Net Leverage

Q4 2023: -9.6xQ1 2024: -6.8xQ2 2024: -6.5xQ3 2024: -3.5xQ4 2024: -4.7xQ1 2025: -3.9xQ2 2025: -3.1xQ3 2025: -3.5xQ4 2025: -6.4xQ1 2026: -6.7xQ2 2026: -6.1xQ3 2026: -5.4x
Q4 2023: -9.6xQ1 2024: -6.8xQ2 2024: -6.5xQ3 2024: -3.5xQ4 2024: -4.7xQ1 2025: -3.9xQ2 2025: -3.1xQ3 2025: -3.5xQ4 2025: -6.4xQ1 2026: -6.7xQ2 2026: -6.1xQ3 2026: -5.4x
QuarterNet LeverageStatus
Q3 2026-5.4xNet Cash
Q2 2026-6.1xNet Cash
Q1 2026-6.7xNet Cash
Q4 2025-6.4xNet Cash
Q3 2025-3.5xNet Cash
Q2 2025-3.1xNet Cash
Q1 2025-3.9xNet Cash
Q4 2024-4.7xNet Cash

GS has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like GS.

AIFU Weekly Momentum

MetricValueStatus
RSI31.7Neutral
Stochastic3.5Oversold

AIFU's weekly RSI is 32 (neutral) and its Stochastic is 4 (oversold).

GS Weekly Momentum

MetricValueStatus
RSI44.5Neutral
Stochastic16.3Oversold

GS's weekly RSI is 45 (neutral) and its Stochastic is 16 (oversold).

AIFU PE vs Financial Services Sector

MetricAIFUSector medianRelative
PEN/A13x—

AIFU has no meaningful PE right now: it lost money over the past year.

GS PE vs Financial Services Sector

MetricGSSector medianRelative
PE13x13x0.8% above
PE %466317 pts below

GS is trading at 13x earnings, in line with the Financial Services sector's median of 13x, though its earnings don't support one.

AIFU Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$10.411% below
20 week MA$21.056% below
50 week MA$33.673% below
100 week MA$80.389% below
200 week MA$1,076.199% below

AIFU is in a downtrend: it's below all five of its weekly moving averages, and 99% below its 200-week average.

GS Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$895.52% above
20 week MA$977.46.5% below
50 week MA$945.43.4% below
100 week MA$804.514% above
200 week MA$602.752% above

GS has the edge over AIFU on trend strength, trading above more of its moving averages.

AIFU Yearly ROI

YearStart priceEnd priceROI
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.

GS Yearly ROI

YearStart priceEnd priceROI
2020$230.7$256.2+11%
2021$256.2$385.0+50%
2022$385.0$345.5-10%
2023$345.5$385.8+12%
2024$385.8$576.2+49%
2025$576.2$907.0+57%
2026 YTD$907.0$913.6+0.7%

GS has the edge over AIFU on returns for 2026, with the stronger performance.

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