Tian Ruixiang Holdings (TIRX) AI Stock Analysis

• Market Cap: $14.71M
• Dividend Yield: N/A
• Average Volume (3M): 70.30K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.02
• Revenue Growth: 158.74%
• EPS Growth: 14.86%
• Country: US
• Employees: 9
• Sector: Financial
• Sector Strength: 85
• Industry: Insurance - Brokers
• EPS (TTM): -3.26
• Shares Outstanding: 9,121,921
• 10 Day Avg. Volume: 14,474
• 30 Day Avg. Volume: 70,302
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): 0.00
• Price to Cash Flow (P/CF): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: -1.60
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: -15.48
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

Tian Ruixiang Holdings shows a mixed financial outlook with strengths in its balance sheet stability but significant weaknesses in profitability, as reflected in its income statement. The technical analysis suggests a slight short-term momentum, yet the stock's valuation is hampered by its unprofitability, as indicated by the negative P/E ratio. The absence of recent earnings call data or significant corporate events leaves the current financial and operational challenges as the primary factors influencing the stock's score.

Tian Ruixiang Holdings Business Overview & Revenue Model

Company Description

Tian Ruixiang Holdings (TIRX) is a China-based insurance brokerage company that primarily engages in providing a wide range of insurance products and related services. The company operates within the insurance sector, offering life insurance, property and casualty insurance, and reinsurance products to both individual and institutional clients. Tian Ruixiang Holdings leverages its robust network and expertise to cater to the diverse insurance needs of its clients, ensuring they have access to comprehensive coverage and risk management solutions.

How the Company Makes Money

Tian Ruixiang Holdings makes money through commissions and fees earned by facilitating the sale of insurance products from various insurance providers. As an insurance broker, the company partners with multiple insurance carriers to offer a wide array of insurance policies, earning a percentage of the premium as commission for each policy sold. Additionally, Tian Ruixiang may receive service fees for consulting and advisory services provided to clients in structuring suitable insurance solutions. The company's revenue model relies significantly on building strong relationships with both insurance providers and clients, ensuring a steady flow of transactions and continued business growth.

Tian Ruixiang Holdings Financial Statement Overview

Summary

Tian Ruixiang Holdings exhibits a mixed financial picture. The income statement reveals challenges with profitability, indicated by negative net profit margins and declining EBIT and EBITDA margins. Despite revenue growth, operational losses and negative net income are concerning. The balance sheet is stable with low leverage and good equity levels, but consistent net losses could erode equity value over time. Cash flows are positive but insufficient to support growth or cover financing needs without external support.

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: Positive
• Last Price: 1.45
• 50DMA: Positive
• 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 Positive. The current price of 1.45 is above the 20-day moving average (MA) of 1.32, above the 50-day MA of 1.40, and below the 200-day MA of 1.69, indicating a neutral trend. The MACD of 0.03 indicates Negative momentum. The RSI at 57.79 is Neutral, neither overbought nor oversold. The STOCH value of 64.75 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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	$12.61B	9.79	7.95%	16985.69%	12.77%	-3.98%
EHTH	57 Neutral	$155.40M	―	1.10%	―	17.56%	48.73%
ZBAO	52 Neutral	$38.77M	13.12	48.31%	―	80.80%	―
TIRX	52 Neutral	$14.71M	―	-12.03%	―	158.74%	14.86%
HUIZ	48 Neutral	$21.69M	11.44	-0.10%	―	2.63%	-101.10%
GOCO	47 Neutral	$203.48M	―	-1.24%	―	8.74%	89.80%
RELI	46 Neutral	$3.24M	―	-178.85%	―	2.35%	80.94%