AIFUFRA:4CI0 24 Gross Margin % is 46.07% as of Dec. 2025, which is 41% above its 10-year median of 32.71. GuruFocus rates FRA:4CI0 with a GF Score™ of 24/100. The stock has 6 warning signs investors should review. Among 59 Insurance companies, AIFU ranks better than 59.32% on this metric.
Gross Margin % is calculated as gross profit divided by its revenue. AIFU's Gross Profit for the
six
months ended in Dec. 2025 was €14.48 Mil. AIFU's Revenue for the
six
months ended in Dec. 2025 was €31.42 Mil. Therefore, AIFU's Gross Margin % for the quarter that ended in Dec. 2025 was 46.07%.
The historical rank and industry rank for AIFU's Gross Margin % or its related term are showing as below:
FRA:4CI0'
s Gross Margin % Range Over the Past 10 Years
Min: 23.91 Med: 32.71 Max: 49.28
Current: 49.25
During the past 13 years, the highestGross Margin % of AIFU was 49.28%. The lowest was 23.91%. And the median was 32.71%.
FRA:4CI0's Gross Margin % is ranked better than 59.32% of 59
companies
in the Insurance industry
Industry Median: 42.38
vs FRA:4CI0: 49.25
AIFU had a gross margin of 46.07% for the quarter that ended in Dec. 2025 => Durable competitive advantage
The 5-Year average Growth Rate of Gross Margin for AIFU was 7.10% per year.
AIFU (FRA:4CI0) Gross Margin % Explanation
Warren Buffett believes that firms with excellent long term economics tend to have consistently higher margins.
Durable competitive advantage creates a high Gross Margin % because of the freedom to price in excess of cost. Companies can be categorized by their Gross Margin %
1. Greater than 40% = Durable competitive advantage
2. Less than 40% = Competition eroding margins
3. Less than 20% = no sustainable competitive advantage
Consistency of Gross Margin is key
AIFU had a gross margin of 46.07% for the quarter that ended in Dec. 2025 => Durable competitive advantage
Be Aware
If a company loses its competitive advantages, usually its gross margin declines well before its sales declines. Watching Gross Margin % and Operating Margin % closely helps avoid value trap situations.
AIFU Gross Margin % Related Terms
AIFU Gross Margin % Historical Data
* Premium members only.
The historical data trend for AIFU's Gross Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FRA:4CI0 vs TWFG, QDMI, SLQT: Gross Margin % Comparison
For the Insurance Brokers subindustry, AIFU's Gross Margin %, along with its competitors' market caps and Gross Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
AIFU Gross Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, AIFU's Gross Margin % distribution charts can be found below:
* The bar in red indicates where AIFU's Gross Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
A positive Gross Profit is only the first step for a company to make a net profit. The gross profit needs to be big enough to also cover related labor, equipment, rental, marketing/advertising, research and development and a lot of other costs in selling the products.
AIFU (FRA:4CI0) has a Gross Margin % of 46.07% as of Dec. 2025. Gross margin is the ratio of total gross profit to net sales. View historical data on AIFU and its competitors. This is 41% above median its historical median of 32.71. Over the past decade, AIFU's Gross Margin % has ranged from 23.91 to 49.28. According to the industry distribution chart, AIFU ranks #24 out of 59 companies in the Insurance industry, placing it in the top 40.7%.
Is AIFU's Gross Margin % too high?
AIFU's current Gross Margin % of 46.07% is 41% above median its 10-year median of 32.71. Over the past 10 years, this metric has ranged from a low of 23.91 to a high of 49.28. The Insurance industry median Gross Margin % is 42.38. AIFU's value of 46.07% is 8.7% above this industry median. Based on the distribution chart, AIFU ranks #24 out of 59 companies in the Insurance industry, which is above the industry midpoint. Overall, AIFU has a GF Score™ of 24/100, reflecting its overall financial health beyond just this single metric.
How does AIFU's Gross Margin % compare to TWFG and QDMI?
According to the Insurance industry distribution chart, AIFU ranks #24 out of 59 companies for Gross Margin %. This puts AIFU in the upper half of its industry. The industry median Gross Margin % is 42.38. AIFU's value of 46.07% is 8.7% above this benchmark. Historically, AIFU's own Gross Margin % has ranged from 23.91 to 49.28 over the past decade. While the company's 10-year median is 32.71 vs. the industry median of 42.38, AIFU has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Gross Margin % for an Insurance company?
The median Gross Margin % among Insurance companies is 42.38, based on 59 companies in the industry. Companies in the top quartile (top 25%) have a Gross Margin % significantly above this median, while those in the bottom quartile fall well below. However, Gross Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AIFU's current Gross Margin % of 46.07% is 8.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Gross Margin % mean?
A high Gross Margin % can signal that a stock is expensive relative to its fundamentals. Gross margin is the ratio of total gross profit to net sales. View historical data on AIFU and its competitors. For the Insurance industry, the median Gross Margin % is 42.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AIFU's current Gross Margin % is 46.07%, which is 41% above median its own 10-year median of 32.71. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AIFU stock overvalued right now?
AIFU (FRA:4CI0) has a current Gross Margin % of 46.07%. The current Gross Margin % is 46.07%, which is 41% above median its 10-year median of 32.71 and 8.7% above the Insurance industry median of 42.38. AIFU's overall GF Score™ is 24/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Gross Margin % calculated?
Gross Margin % is calculated from a company's financial statements. For AIFU (FRA:4CI0), the current Gross Margin % is 46.07% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
AIFU Inc is an independent financial services provider in China. It offers end-to-end business solutions spanning compliance, technology, products, services, capital flow and professional training. It connects customers with insurance protection, retirement planning, health management, asset management, and family governance services. The group operates one segment: the Insurance Agency segment. The Insurance Agency segment consists of providing agency services for distributing life insurance products and non-life insurance products on behalf of insurance companies.
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