Market Price

26.43 

0.03 0.1%

as of Nov 14 '19

52 Week Range:

19.39 35.55


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Fanhua Inc. distributes insurance products in China. It operates through two segments, Insurance Agency and Claims Adjusting. The Insurance Agency segment provides property and casualty insurance products, including automobile, individual accident, travel, disability income, homeowner, and other property and casualty products; and life insurance products, such as individual health, individual whole life, individual term life, individual endowment life, and individual annuity, as well as participating insurance products. The Claims Adjusting segment offers pre-underwriting survey, claims adjusting, residual value disposal, loading and unloading supervision, and consulting services. The company also operates baoxian.com, an online insurance platform, which allows customers to search for, and purchase a range of insurance products; Lan Zhanggui, an Internet-based all-in-one application; and ehuzhu.com, an online non-profit mutual aid platform, as well as CNpad Auto, an Internet-based auto insurance platform. It serves customers through insurance sales and service group, and insurance agencies, as well as sales and service branches and outlets, registered independent sales agents, and in-house claims adjustors. The company was formerly known as CNinsure Inc. and changed its name to Fanhua Inc. in December 2016. Fanhua Inc. was founded in 1998 and is headquartered in Guangzhou, China.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 5.63
6.39
9.13
10.92
9.28
9.88
8.90
8.63
7.93
8.91
6.38
growth rate 13.5% 42.9% 19.6% -15.0% 6.5% -9.9% -3.0% -8.1% 12.4% -28.4%
Earnings BIT 18.00
30.90
28.45
-8.47
273.14
425.74
growth rate 71.7% -7.9% -100.0% 100.0% 55.9%
Avg.PE 26.12
22.84
23.30
17.72
growth rate -12.6% 2.0% -24.0%
ROA 10.40
13.10
13.20
-8.39
3.91
2.75
4.43
5.41
3.81
10.01
14.18
growth rate 26.0% 0.8% -100.0% 100.0% -29.7% 61.1% 22.1% -29.6% 162.7% 41.7%
ROE 11.55
16.07
16.72
-10.30
4.62
3.23
5.19
6.44
4.76
12.54
18.74
growth rate 39.1% 4.0% -100.0% 100.0% -30.1% 60.7% 24.1% -26.1% 163.5% 49.4%
ROIC 9.36
14.75
15.86
-11.86
2.43
1.11
2.95
4.90
4.59
12.06
18.04
growth rate 57.6% 7.5% -100.0% 100.0% -54.3% 165.8% 66.1% -6.3% 162.8% 49.6%
Cur. Ratio 9.87
5.12
7.98
8.83
9.40
9.36
9.84
7.19
4.95
6.24
3.38
growth rate -48.1% 55.9% 10.7% 6.5% -0.4% 5.1% -26.9% -31.2% 26.1% -45.8%
Quick Ratio 9.81
5.00
7.89
8.74
9.24
9.20
9.72
7.08
4.82
6.03
3.21
growth rate -49.0% 57.8% 10.8% 5.7% -0.4% 5.7% -27.2% -31.9% 25.1% -46.8%
Leverage 1.17
1.28
1.26
1.19
1.18
1.18
1.17
1.21
1.29
1.22
1.47
growth rate 9.4% -1.6% -5.6% -0.8% 0.0% -0.9% 3.4% 6.6% -5.4% 20.5%
Balance Sheet Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 541.00
469.53
316.61
565.06
1,127.28
575.91
growth rate -13.2% -32.6% 78.5% 99.5% -48.9%
Acct.Payable 92.00
128.77
160.89
240.95
203.02
332.69
growth rate 40.0% 25.0% 49.8% -15.7% 63.9%
Cur.Assets 3,178.00
3,301.73
3,513.06
3,694.56
4,132.53
3,061.11
growth rate 3.9% 6.4% 5.2% 11.9% -25.9%
Total Assets 3,561.00
3,748.49
4,014.43
4,238.57
4,737.74
3,866.61
growth rate 5.3% 7.1% 5.6% 11.8% -18.4%
Cash 2,289.00
2,103.07
1,115.27
236.95
363.75
772.82
growth rate -8.1% -47.0% -78.8% 53.5% 112.5%
Cur.Liabilities 339.00
335.44
488.45
747.12
661.86
905.58
growth rate -1.1% 45.6% 53.0% -11.4% 36.8%
Liabilities 414.00
414.23
580.86
834.47
749.35
1,119.89
growth rate 0.1% 40.2% 43.7% -10.2% 49.5%
LT Debt 0.67
0.47
0.80
0.54
1.47
growth rate -29.5% 68.6% -32.4% 171.7%
Equity 500.19
3,210.75
3,317.43
3,286.85
3,877.05
2,633.18
growth rate 541.9% 3.3% -0.9% 18.0% -32.1%
Common Shares 46.00
46.00
50.00
50.00
50.00
50.00
51.00
60.00
60.00
63.00
62.00
growth rate 0.0% 8.7% 0.0% 0.0% 0.0% 2.0% 17.7% 0.0% 5.0% -1.6%
Cash Flow Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 36.00
6.21
6.66
11.89
20.90
22.77
growth rate -82.8% 7.3% 78.4% 75.8% 8.9%
Cash Dividends 137.22
137.22
137.22
137.22
326.73
growth rate 0.0% 0.0% 0.0% 138.1%
Cash From OA 186.00
261.65
281.30
87.85
152.13
523.83
growth rate 40.7% 7.5% -68.8% 73.2% 244.3%
FCF per Share 0.65
0.67
1.04
1.33
0.47
0.24
0.90
0.47
0.18
0.46
0.83
growth rate 3.1% 55.2% 27.9% -64.7% -48.9% 275.0% -47.8% -61.7% 155.6% 80.4%
Sale Purchase of Stock 0.55
3.18
1.52
1.14
288.22
growth rate 475.6% -52.3% -24.6% 25,094.1%
FCF 203.00
212.00
342.00
470.00
146.00
150.00
255.00
275.00
16.00
131.00
501.00
growth rate 4.4% 61.3% 37.4% -68.9% 2.7% 70.0% 7.8% -94.2% 718.8% 282.4%
Income Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 1,757.00
2,150.01
2,459.11
4,082.88
4,088.47
3,471.26
growth rate 22.4% 14.4% 66.0% 0.1% -15.1%
Op.Income 18.00
30.90
28.45
-8.47
273.14
425.74
growth rate 71.7% -7.9% -100.0% 100.0% 55.9%
IBT 17.60
190.37
199.17
172.34
614.04
841.68
growth rate 982.0% 4.6% -13.5% 256.3% 37.1%
Net Income 96.00
161.76
210.09
157.05
449.23
609.92
growth rate 68.5% 29.9% -25.3% 186.1% 35.8%
EPS 4.18
6.48
8.60
-6.00
2.60
2.00
3.20
3.40
2.60
7.20
9.80
growth rate 55.0% 32.7% -100.0% 100.0% -23.1% 60.0% 6.3% -23.5% 176.9% 36.1%
Gross Profit 464.00
534.85
602.48
976.28
1,029.07
1,125.25
growth rate 15.3% 12.6% 62.0% 5.4% 9.4%

Quarterly Statements

Item Name Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Earnings BIT 127.60
124.57
83.39
126.42
77.36
growth rate -2.4% -33.1% 51.6% -38.8%
Balance Sheet Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Acct.Receivable 1,531.84
735.30
575.91
748.96
829.54
growth rate -52.0% -21.7% 30.1% 10.8%
Acct.Payable 435.60
312.21
332.69
444.33
395.04
growth rate -28.3% 6.6% 33.6% -11.1%
Cur.Assets 4,456.77
3,213.45
3,061.11
3,313.72
2,857.41
growth rate -27.9% -4.7% 8.3% -13.8%
Total Assets 5,163.13
3,976.18
3,866.61
4,319.55
3,905.24
growth rate -23.0% -2.8% 11.7% -9.6%
Cash 303.26
661.06
772.82
1,026.37
615.51
growth rate 118.0% 16.9% 32.8% -40.0%
Cur.Liabilities 932.28
869.20
905.58
1,166.74
996.22
growth rate -6.8% 4.2% 28.8% -14.6%
Liabilities 1,039.66
1,075.05
1,119.89
1,620.91
1,502.93
growth rate 3.4% 4.2% 44.7% -7.3%
LT Debt 116.77
growth rate
Equity 4,016.70
2,792.99
2,633.18
2,584.70
2,288.96
growth rate -30.5% -5.7% -1.8% -11.4%
Common Shares 9.58
2,792.99
9.58
9.58
9.34
growth rate 29,048.3% -99.7% 0.0% -2.6%
Cash Flow Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Capital Expenditures 22.77
22.77
22.77
4.64
4.35
growth rate 0.0% 0.0% -79.6% -6.2%
Cash Dividends 326.73
326.73
326.73
206.74
206.74
growth rate 0.0% 0.0% -36.7% 0.0%
Cash From OA -4.34
305.66
191.96
46.81
-121.31
growth rate 100.0% -37.2% -75.6% -100.0%
Sale Purchase of Stock
growth rate
FCF -27.10
282.89
169.19
42.18
-125.66
growth rate 100.0% -40.2% -75.1% -100.0%
Income Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Sales 972.12
783.95
871.94
971.65
898.42
growth rate -19.4% 11.2% 11.4% -7.5%
Op.Income 127.60
124.57
83.39
126.42
77.36
growth rate -2.4% -33.1% 51.6% -38.8%
IBT 230.14
263.04
175.09
190.53
134.29
growth rate 14.3% -33.4% 8.8% -29.5%
Net Income 171.84
195.25
112.61
147.27
98.01
growth rate 13.6% -42.3% 30.8% -33.5%
Gross Profit 300.47
302.57
276.38
302.96
307.97
growth rate 0.7% -8.7% 9.6% 1.7%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

D (46.63)

YOY Growth Grade:

D (41.16)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 18.16 18.05 16.41
EPS / Growth -11.9% 1.46 7.7%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 1.0%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 1.0% 1.0%
Future PE 2.00 12.19 12.19
Future EPS 1.62 1.62 1.62
Value Price
MOS %
0.80
-97.0%
4.87
-81.6%
4.87
-81.6%
MOS Price 0.40 2.44 2.44
IRT 16.53 16.53 16.53

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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