AIFU (AIFU) investor relations material

Executive summary

• Net revenues for the six months ended June 30, 2026, were RMB226.2 million ($33.3 million), down 24.0% year-over-year, mainly due to lower renewal commissions and a shift in product mix.

• Net income attributable to shareholders was RMB48.3 million ($7.1 million), a significant turnaround from a net loss of RMB465.7 million in the prior year period.

• The company completed a 1-for-20 reverse share split and reduced the par value of its shares in Q2 2026.

• Discontinued its claims adjusting business in January 2025, now operating two segments: insurance agency and health & wellness.

Financial highlights

• Life insurance business net revenues were RMB209.4 million ($30.9 million), down 21.8% year-over-year; non-life insurance revenues fell 48.9% to RMB15.1 million ($2.2 million).

• Health and wellness product sales contributed RMB1.7 million ($0.2 million) after segment expansion in 2026.

• Operating income was RMB32.9 million ($4.9 million), compared to an operating loss of RMB7.8 million a year earlier.

• Income from continuing operations was RMB48.1 million ($7.1 million), versus a loss of RMB473.3 million in the prior year.

• Basic and diluted EPS from continuing operations were RMB8.2 ($1.2), compared to a loss per share of RMB1,708.2 in 2025.

Outlook and guidance

• Management expects current cash and anticipated operating cash flow to be sufficient for at least the next 12 months, but may seek additional financing if needed for investments or acquisitions.

• Ongoing focus on recruiting and training sales force, IT infrastructure enhancement, and developing tea product sales channels.