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Tian Ruixiang Holdings (TIRX)
NASDAQ:TIRX
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Tian Ruixiang Holdings
(NASDAQ:TIRX)
Rating:45Neutral
Price Target:
$1.00
▼(-11.50%Downside)
Tian Ruixiang Holdings (TIRX) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$11.49M
Dividend YieldN/A
Average Volume (3M)66.84K
Price to Earnings (P/E)―
Beta (1Y)0.21
Revenue Growth158.74%
EPS Growth14.86%
CountryUS
Employees9
SectorFinancial
Sector Strength78
IndustryInsurance - Brokers
Share Statistics
EPS (TTM)-3.26
Shares Outstanding9,121,921
10 Day Avg. Volume62,320
30 Day Avg. Volume66,838
Financial Highlights & Ratios
PEG Ratio<0.01
Price to Book (P/B)0.08
Price to Sales (P/S)0.00
P/FCF Ratio19.08
Enterprise Value/Market Cap1.14
Enterprise Value/Revenue4.64
Enterprise Value/Gross Profit73.38
Enterprise Value/Ebitda-1.11
Forecast
1Y Price Target
$1.50Price Target Upside32.74% Upside
Rating ConsensusHold
Number of Analyst Covering0
Tian Ruixiang Holdings Business Overview & Revenue Model
Company DescriptionTian 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 MoneyTian 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 exhibits a mixed financial picture. The balance sheet is strong with low leverage and good equity levels, scoring 70. However, the company faces profitability challenges with a low income statement score of 25 due to negative net profit margins and operational losses. Cash flows are positive but insufficient to meet financing needs, scoring 40. Overall, the company needs to improve operational efficiency to enhance profitability and cash flow.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.25
Negative
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.70
Positive
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.40
Negative
| 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 |
| EBITDA | -2.80M | -2.94M | -4.74M | -2.00M | 787.68K |
| Net Income | -3.99M | -2.45M | -4.68M | -1.94M | 634.10K |
Balance Sheet | |||||
| Total Assets | 39.98M | 35.48M | 35.03M | 40.35M | 10.06M |
| Cash, Cash Equivalents and Short-Term Investments | 28.39M | 26.80M | 26.18M | 30.02M | 6.14M |
| Total Debt | 1.18M | 57.40K | 145.52K | 660.97K | 321.93K |
| 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 | 0.00 | 32.64M | -478.25K |
Tian Ruixiang Holdings Technical Analysis
Negative
1.13
Price Trends
1.34
Negative
1.37
Negative
1.56
Negative
Market Momentum
-0.05
Negative
36.55
Neutral
21.60
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 1.13 is below the 20-day moving average (MA) of 1.20, below the 50-day MA of 1.34, and below the 200-day MA of 1.56, indicating a bearish trend. The MACD of -0.05 indicates Negative momentum. The RSI at 36.55 is Neutral, neither overbought nor oversold. The STOCH value of 21.60 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for TIRX.
Tian Ruixiang Holdings Risk Analysis
Tian Ruixiang Holdings disclosed 58 risk factors in its most recent earnings report. Tian Ruixiang Holdings reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 3 New Risks
1.
To the extent cash in the business is in the PRC/Hong Kong or a PRC/Hong Kong entity, the funds may not be available to fund operations or for other use outside of the PRC/Hong Kong due to interventions in or the imposition of restrictions and limitations on the ability of our Company, our subsidiaries, or the VIE by the PRC government to transfer cash. Q3, 2022
2.
Recent greater oversight by the Cyberspace Administration of China over data security, particularly for companies seeking to list on a foreign exchange, could adversely impact our business and our offering. Q3, 2022
3.
The Chinese government may exert more oversight and control over overseas public offerings conducted by China-based issuers, which could significantly limit or completely hinder our ability to offer or continue to offer our securities to investors and could cause the value of our securities to significantly decline or become worthless. Q3, 2022
Tian Ruixiang Holdings Peers Comparison
Overall Rating
UnderperformOutperform
Sector (67)
Financial Indicators
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
67 Neutral | $16.88B | 11.72 | 9.78% | 3.73% | 11.83% | -7.72% | |
57 Neutral | $112.21M | ― | 3.19% | ― | 17.04% | 74.07% | |
55 Neutral | $32.15M | 10.97 | 48.31% | ― | 80.80% | ― | |
53 Neutral | $28.25M | 11.44 | -3.92% | ― | 0.48% | -127.19% | |
51 Neutral | $4.49M | ― | -238.61% | ― | 2.40% | 94.65% | |
46 Neutral | $64.25M | ― | 0.80% | ― | 13.18% | 97.01% | |
45 Neutral | $11.49M | ― | -12.03% | ― | 158.74% | 14.86% |
* Financial Sector Average
Performance Comparison
TIRX
Tian Ruixiang Holdings
1.13
-0.98
-46.45%
EHTH
Ehealth
3.70
-1.02
-21.61%
RELI
Reliance Global Group
1.45
-2.25
-60.81%
HUIZ
Huize Holding
2.80
-2.20
-44.00%
GOCO
GoHealth
5.78
-8.14
-58.48%
ZBAO
Zhibao Technology Inc. Class A
1.02
-2.36
-69.82%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.