Tian Ruixiang Holdings (TIRX) AI Stock Analysis

• Market Cap: $12.56M
• Dividend Yield: N/A
• Average Volume (3M): 298.23K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.47
• Revenue Growth: 624.24%
• EPS Growth: 85.46%
• Country: US
• Employees: 9
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Brokers
• EPS (TTM): >-0.01
• Shares Outstanding: 26,151,463
• 10 Day Avg. Volume: 456,629
• 30 Day Avg. Volume: 298,234
• PEG Ratio: 2.07
• Price to Book (P/B): 8.99
• Price to Sales (P/S): 94.61
• P/FCF Ratio: 339.22
• Enterprise Value/Market Cap: 7.13
• Enterprise Value/Revenue: 12.68
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: 52.39
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 43 Neutral
• Price Target: $1.00 ▲(138.10% Upside)

Tian Ruixiang Holdings' overall stock score is primarily impacted by its financial performance and technical analysis. The company faces significant profitability challenges, and technical indicators suggest bearish momentum. Valuation metrics are poor, with a negative P/E ratio and no dividend yield, further weighing down the score.

Positive Factors

Global Expansion

The acquisition of Ren Talents Inc. marks a strategic expansion into the U.S. and European markets, enhancing TRX’s global brand influence and market presence.

Southeast Asia Expansion

Acquiring Beyond Coastline Holdings expands TRX's presence in Southeast Asia, integrating its consumer ecosystem and enhancing international competitiveness.

Diversified Revenue Model

A diversified revenue model positions TIRX to capitalize on growth opportunities across various business segments, reducing dependency on a single income stream.

Negative Factors

Profitability Challenges

Persistent operational losses and negative net income indicate financial challenges, potentially hindering long-term growth and sustainability.

Insufficient Cash Flow

Declining free cash flow suggests that TIRX may struggle to cover financing needs without external funding, impacting its financial flexibility.

Management Changes

Frequent changes in auditing firms can indicate instability in financial reporting processes, potentially affecting investor confidence and transparency.

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 generates revenue through multiple streams, primarily from its e-commerce platforms, which facilitate online transactions and product sales. The company earns commissions on sales made through its retail channels and offers premium services to merchants for enhanced visibility and marketing. Additionally, TIRX provides financial services, including consulting and advisory services, which contribute to its revenue base. Key partnerships with technology providers and financial institutions further bolster its offerings, enabling the company to expand its market reach and enhance service delivery, thus driving profitability. Overall, TIRX's diversified revenue model positions it to capitalize on growth opportunities across its various business segments.

Tian Ruixiang Holdings Financial Statement Overview

Summary

Tian Ruixiang Holdings shows a mixed financial picture. The balance sheet is strong with low leverage and good equity levels, but the income statement reveals ongoing challenges with profitability. Cash flows are positive but insufficient to support growth or cover financing needs without external support. The company needs to address its operational inefficiencies to improve profitability and cash flow generation.

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	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	7.07M	3.22M	1.24M	1.35M	2.79M	3.25M
Gross Profit	0.00	1.52M	783.46K	-1.34M	1.84M	2.51M
EBITDA	1.71M	-2.80M	-2.94M	-4.74M	-2.00M	787.68K
Net Income	-1.88M	-3.99M	-2.45M	-4.68M	-1.94M	634.10K
Balance Sheet
Total Assets	6.04M	39.98M	35.48M	35.03M	40.35M	10.06M
Cash, Cash Equivalents and Short-Term Investments	27.96M	28.39M	26.80M	26.18M	30.02M	6.14M
Total Debt	2.31M	1.18M	57.40K	145.52K	660.97K	321.93K
Total Liabilities	9.21M	6.09M	3.06M	1.55M	1.36M	1.42M
Stockholders Equity	-3.17M	33.89M	32.42M	33.48M	38.99M	8.64M
Cash Flow
Free Cash Flow	1.17M	897.89K	994.30K	-201.11K	-1.37M	-51.63K
Operating Cash Flow	1.17M	897.89K	994.30K	-198.76K	-1.36M	-48.17K
Investing Cash Flow	-29.23M	-1.82M	-992.72K	-28.90M	-7.50M	-3.46K
Financing Cash Flow	1.06M	1.19M	-283.00	0.00	32.64M	-478.25K

Tian Ruixiang Holdings Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 0.42
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TIRX, the sentiment is Neutral. The current price of 0.42 is below the 20-day moving average (MA) of 0.45, below the 50-day MA of 0.68, and below the 200-day MA of 3.82, indicating a neutral trend. The MACD of -0.09 indicates Negative momentum. The RSI at 39.21 is Neutral, neither overbought nor oversold. The STOCH value of 71.47 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for TIRX.

Tian Ruixiang Holdings Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
EHTH	58 Neutral	$123.06M	107.82	5.88%	―	16.79%	―
HUIZ	46 Neutral	$22.77M	8.72	4.56%	―	19.30%	-17.56%
GOCO	44 Neutral	$38.30M	-0.15	-142.05%	―	7.56%	-344.04%
RELI	44 Neutral	$5.26M	-0.22	-146.43%	―	-6.84%	97.23%
TIRX	43 Neutral	$12.56M	-0.15	-11.18%	―	624.24%	85.46%
ZBAO	41 Neutral	$35.05M	-3.70	―	―	80.80%	―

Tian Ruixiang Holdings Corporate Events

TIAN RUIXIANG Holdings Expands Globally with Ren Talents Acquisition

On November 4, 2025, TIAN RUIXIANG Holdings Ltd announced a definitive agreement to acquire Ren Talents Inc., a New York-based talent management and agency service company, by issuing 3,211,010 Class A ordinary shares. This acquisition, set to close around November 5, 2025, marks a strategic expansion into the U.S. and European markets, aligning with TRX’s globalization strategy. The move aims to integrate insurance services with diverse consumer and lifestyle touchpoints, enhancing TRX’s global brand influence and establishing a presence in key international consumer markets.

The most recent analyst rating on (TIRX) stock is a Hold with a $1.00 price target. To see the full list of analyst forecasts on Tian Ruixiang Holdings stock, see the TIRX Stock Forecast page.

TIAN RUIXIANG Holdings Expands into Southeast Asia with Beyond Coastline Acquisition

On November 4, 2025, TIAN RUIXIANG Holdings Ltd entered into a share exchange agreement to acquire 80% of Beyond Coastline Holdings Limited, a Southeast Asian new retail group specializing in brand operation and e-commerce. This acquisition, which involves issuing 7,200,000 Class A ordinary shares, aims to expand TRX’s presence in the Southeast Asian market and integrate Beyond Coastline’s consumer ecosystem into TRX’s digital insurance services. The transaction is expected to enhance TRX’s globalization strategy by creating synergies with its core insurance business and expanding its international competitiveness.

The most recent analyst rating on (TIRX) stock is a Hold with a $1.00 price target. To see the full list of analyst forecasts on Tian Ruixiang Holdings stock, see the TIRX Stock Forecast page.

TIAN RUIXIANG Holdings Announces $3 Million Direct Offering

On October 10, 2025, TIAN RUIXIANG Holdings Ltd announced a $3 million registered direct offering of 2,000,000 Class A ordinary shares and warrants to purchase an additional 4,000,000 shares. The offering, priced at $1.50 per share and warrant, is expected to close on or around October 14, 2025, subject to customary conditions. The company plans to use the proceeds for working capital and general corporate purposes, potentially impacting its operational capacity and market positioning.

The most recent analyst rating on (TIRX) stock is a Hold with a $1.00 price target. To see the full list of analyst forecasts on Tian Ruixiang Holdings stock, see the TIRX Stock Forecast page.