AIFU
AIFU Inc.
There isn't enough reported data to score AIFU yet.
MS
Morgan Stanley
MS's fundamentals are strong: revenue grew 16% and earnings per share grew 29%. At 15x earnings, it's trading in line with its usual 14x. 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.
MS Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
MS's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like MS.
AIFU PE Valuation
AIFU has no meaningful PE right now: it lost money over the past year.
MS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 11x | $134 | -29% |
| Fair | 14x | $178 | -5.7% |
| Forward | 14x | $189 | — |
| Current | 15x | $189 | — |
| Expensive | 18x | $223 | +18% |
Historical ranges are pointers, not guarantees.
MS's PE is in its fair range at 15x. If earnings grow as analysts expect, today's price would be 14x next year's earnings.
AIFU Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Stable | |
| Strong decline | |
| -- | |
| Limited | |
| High |
Analysts expect AIFU's revenue to decline, with its earnings and profitability holding steady.
MS Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for MS, 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.
MS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $13.39 | +6.3% |
| Q3 2026 | $12.60 | +29% |
| Q2 2026 | $12.37 | +40% |
| Q1 2026 | $11.04 | +29% |
| Q4 2025 | $10.21 | +28% |
| Q3 2025 | $9.76 | +48% |
| Q2 2025 | $8.84 | +45% |
| Q1 2025 | $8.53 | +55% |
| Q4 2024 | $7.95 | +53% |
MS 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.
MS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $20.3B | +12% |
| Q2 2026 | $21.3B | +27% |
| Q1 2026 | $20.6B | +16% |
| Q4 2025 | $17.9B | +10% |
| Q3 2025 | $18.2B | +18% |
| Q2 2025 | $16.8B | +12% |
| Q1 2025 | $17.7B | +17% |
| Q4 2024 | $16.2B | +26% |
MS has the edge over AIFU in the latest year-over-year revenue comparison.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 32% | -1.2 points |
| Q2 2026 | 34% | +6.9 points |
| Q1 2026 | 34% | +2.8 points |
| Q4 2025 | 32% | +2 points |
| Q3 2025 | 33% | +5.6 points |
| Q2 2025 | 28% | +0.4 points |
| Q1 2025 | 31% | +2.2 points |
| Q4 2024 | 30% | +14 points |
MS's operating margin was 32% last quarter, down 1.2 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.
MS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$46B | -$42.7B |
| Q2 2026 | -$2.7B | -123% |
| Q1 2026 | -$7.1B | +$16.9B |
| Q4 2025 | -$2.4B | -120% |
| Q3 2025 | -$3.3B | +$14B |
| Q2 2025 | $11.8B | +368% |
| Q1 2025 | -$24B | -650% |
| Q4 2024 | $11.8B | +$29.6B |
MS's free cash flow was −$58.3B over the past year, against −$3.7B the year before. Free cash flow isn't a meaningful measure for financial services companies like MS.
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 MS 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 |
MS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.2% | -3M shares |
| 1 year | -1.5% | -24M shares |
| 3 years | -4.7% | -77M shares |
| 5 years | -14% | -246M shares |
| Available history | -4.5% | -74M shares |
MS has 1.6B diluted shares, down 1.5% from a year ago.
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.
MS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 7.8x | High |
| Q2 2026 | 7.3x | High |
| Q1 2026 | 8.2x | High |
| Q4 2025 | 8.6x | High |
| Q3 2025 | 8.4x | High |
| Q2 2025 | 8.7x | High |
| Q1 2025 | 8.7x | High |
| Q4 2024 | 7.9x | High |
MS's net debt is about 7.8 years of its operating earnings (EBITDA), down from 8.4 years a year ago. Net leverage isn't a meaningful measure for financial services companies like MS.
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).
MS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 45.0 | Neutral |
| Stochastic | 18.7 | Oversold |
MS's weekly RSI is 45 (neutral) and its Stochastic is 19 (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.
MS PE vs Financial Services Sector
| Metric | MS | Sector median | Relative |
|---|---|---|---|
| PE | 15x | 13x | 15% above |
| PE % | 59 | 63 | 4 pts below |
MS is trading at 15x earnings, a 15% premium to 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.
MS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $186.5 | 1.5% above |
| 20 week MA | $203.3 | 6.9% below |
| 50 week MA | $191.9 | 1.4% below |
| 100 week MA | $164.9 | 15% above |
| 200 week MA | $129.3 | 46% above |
MS 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.
MS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $51.1 | $68.1 | +33% |
| 2021 | $68.1 | $99.3 | +46% |
| 2022 | $99.3 | $86.1 | -13% |
| 2023 | $86.1 | $93.3 | +8.3% |
| 2024 | $93.3 | $126.8 | +36% |
| 2025 | $126.8 | $181.9 | +43% |
| 2026 YTD | $181.9 | $189.2 | +4% |
MS has the edge over AIFU on returns for 2026, with the stronger performance.