Tian Ruixiang Holdings (TIRX) AI Stock Analysis

• Market Cap: $16.38M
• Dividend Yield: N/A
• Average Volume (3M): 781.24K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.30
• Revenue Growth: 158.74%
• EPS Growth: 14.86%
• Country: US
• Employees: 9
• Sector: Financial
• Sector Strength: 83
• Industry: Insurance - Brokers
• EPS (TTM): -3.26
• Shares Outstanding: 9,121,921
• 10 Day Avg. Volume: 2,315,759
• 30 Day Avg. Volume: 781,237
• PEG Ratio: <0.01
• Price to Book (P/B): 0.10
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 22.58
• Enterprise Value/Market Cap: 0.94
• Enterprise Value/Revenue: 5.44
• Enterprise Value/Gross Profit: 85.93
• Enterprise Value/Ebitda: -1.30
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 52 Neutral
• Price Target: $1.50 ▲(8.70%Upside)

The overall stock score is primarily driven by the company's strong balance sheet, which is offset by significant profitability challenges and poor valuation metrics. Technical indicators suggest stability without strong bullish or bearish signals. The lack of dividend yield and negative P/E ratio significantly detract from the stock's attractiveness.

Tian Ruixiang Holdings Business Overview & Revenue Model

Company Description

Tian Ruixiang Holdings Ltd, together its subsidiaries, operates as an insurance broker in China and the United States. The company distributes a range of insurance products, including property and casualty insurance, such as automobile insurance, commercial property insurance, liability insurance, and accidental insurance; and life insurance comprising individual and group life insurances. It serves individual or institutional customers. Tian Ruixiang Holdings Ltd was founded in 2010 and is headquartered in Beijing, China.

How the Company Makes Money

Tian Ruixiang Holdings makes money primarily through commissions earned from the sale of insurance products. The company partners with a variety of insurance carriers and acts as an intermediary between these carriers and the end customers. By facilitating the purchase of insurance policies, TIRX earns a commission percentage from the insurance premiums paid by the customers. Additionally, the company may engage in consulting services, providing advisory to clients on risk management and insurance planning, which can also contribute to its revenue streams. Significant partnerships with major insurance providers can enhance TIRX's ability to offer competitive products, thereby increasing its sales and commission earnings.

Tian Ruixiang Holdings Financial Statement Overview

Summary

Tian Ruixiang Holdings demonstrates a mixed financial picture. The balance sheet is strong with low leverage, but the income statement shows challenges with profitability due to ongoing operational losses. Cash flows are positive yet insufficient to cover needs without external funding.

Income Statement

The company exhibits a significant decline in profitability with negative net profit margins and declining EBIT and EBITDA margins. Revenue has increased over the past year, but the company is struggling with operational losses and negative net income, indicating financial challenges in its core operations.

Balance Sheet

The balance sheet reflects a strong equity position with a high equity ratio and low debt levels, indicating financial stability. The debt-to-equity ratio is low, which suggests the company is not highly leveraged, though there has been an increase in total liabilities. However, the consistent net losses could erode equity value over time.

Cash Flow

The operating cash flow is positive, yet the company shows a declining trend in free cash flow. The operating cash flow to net income ratio is unfavorable due to persistent net losses. While free cash flow is positive, it is not sufficient to cover the company's financing needs without external funding.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
3.22M	1.24M	1.35M	2.79M	3.25M
	Gross Profit
1.52M	783.46K	-1.34M	1.84M	2.51M
	EBIT
-4.65M	-3.02M	-5.07M	-2.25M	760.15K
	EBITDA
-2.80M	-2.94M	-4.74M	-2.00M	787.68K
	Net Income Common Stockholders
-3.99M	-2.45M	-4.68M	-1.94M	634.10K
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
28.39M	26.80M	26.18M	30.02M	6.14M
	Total Assets
39.98M	35.48M	35.03M	40.35M	10.06M
	Total Debt
1.18M	57.40K	145.52K	660.97K	321.93K
	Net Debt
881.31K	55.02K	143.01K	-29.36M	-5.82M
	Total Liabilities
6.09M	3.06M	1.55M	1.36M	1.42M
	Stockholders Equity
33.89M	32.42M	33.48M	38.99M	8.64M
Cash Flow		Free Cash Flow
897.89K	994.30K	-201.11K	-1.37M	-51.63K
	Operating Cash Flow
897.89K	994.30K	-198.76K	-1.36M	-48.17K
	Investing Cash Flow
-1.82M	-992.72K	-28.90M	-7.50M	-3.46K
	Financing Cash Flow
1.19M	-283.00	-225.17K	32.64M	-478.25K

Tian Ruixiang Holdings Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 1.38
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TIRX, the sentiment is Negative. The current price of 1.38 is below the 20-day moving average (MA) of 1.49, below the 50-day MA of 1.38, and below the 200-day MA of 1.65, indicating a bearish trend. The MACD of 0.05 indicates Positive momentum. The RSI at 45.68 is Neutral, neither overbought nor oversold. The STOCH value of 25.56 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for TIRX.

Tian Ruixiang Holdings Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	64 Neutral	$12.80B	9.71	7.59%	16985.66%	12.07%	-7.53%
EHTH	59 Neutral	$132.53M	―	3.19%	―	17.04%	74.07%
ZBAO	52 Neutral	$31.84M	10.91	48.31%	―	80.80%	―
TIRX	52 Neutral	$16.38M	―	-12.03%	―	158.74%	14.86%
RELI	52 Neutral	$4.02M	―	-238.61%	―	2.40%	94.65%
GOCO	48 Neutral	$66.13M	―	0.80%	―	13.18%	97.01%
HUIZ	48 Neutral	$20.35M	11.44	-0.10%	―	2.63%	-101.10%