TIAN RUIXIANG Holdings (TIRXF) AI Stock Analysis

TIAN RUIXIANG Holdings

(Other OTC:TIRXF)

Select Model

Rating:47Neutral

Price Target:$1.00▲(999900.00% Upside)

Action:reiterated

Date:12/02/25

Tian Ruixiang Holdings receives an overall stock score of 47, driven primarily by mixed financial performance with strong revenue growth offset by significant profitability issues. Technical indicators suggest a bearish trend with the stock trading below key moving averages, and valuation concerns arise from negative earnings. Financial performance remains the most impactful factor due to its higher weight and mixed outcomes.

Positive Factors

Global ExpansionThe 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.

Negative Factors

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

TIAN RUIXIANG Holdings (TIRXF) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $8,982
Dividend Yield: ―
Average Volume (3M): ―
Price to Earnings (P/E): 0.0
Beta (1Y): -9.28
Revenue Growth: ―
EPS Growth: ―
Country: US
Employees: 8
Sector: Financial
Sector Strength: 68
Industry: Insurance - Brokers

TIAN RUIXIANG Holdings Business Overview & Revenue Model

Company Description

Tian Ruixiang Holdings Ltd, together with its subsidiaries, operates as an insurance broker in China. It distributes property and casualty insurance products, such as commercial property, liability, accidental, and automobile insurance; and health, l...

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 pre...

TIAN RUIXIANG Holdings Financial Statement Overview

Summary

Tian Ruixiang Holdings shows mixed financial performance. Strong revenue growth of 158.7% and a stable balance sheet with a low Debt-to-Equity Ratio of 0.03 are positives. However, persistent net losses with a Net Profit Margin of -123.9% and negative ROE of -11.8%, alongside declining Free Cash Flow Growth, highlight significant profitability challenges.

Income Statement

25Negative

Balance Sheet

75Positive

Cash Flow

40Negative

Financial statement breakdown
Breakdown	TTM	Oct 2024	Apr 2024	Oct 2022	Oct 2021	Oct 2020
Income Statement
Total Revenue	7.07M	3.22M	1.24M	1.35M	2.79M	3.25M
Gross Profit	5.74M	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	2.37M	1.18M	57.40K	145.52K	660.97K	321.93K
Total Liabilities	4.46M	6.09M	3.06M	1.55M	1.36M	1.42M
Stockholders Equity	45.23M	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	-3,457
Financing Cash Flow	1.06M	1.19M	-283	0	32.64M	-478.25K

TIAN RUIXIANG Holdings Technical Analysis

Technical Analysis SentimentNegative

Last Price0.00

Price Trends

50DMA11.85Negative

100DMA25.41Negative

200DMA124.36Negative

Market Momentum

MACD-3.37Negative

RSI37.26Neutral

STOCH0.15Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TIRXF, the sentiment is Negative. The current price of 0.00 is below the 20-day moving average (MA) of 2.38, below the 50-day MA of 11.85, and below the 200-day MA of 124.36, indicating a bearish trend. The MACD of -3.37 indicates Negative momentum. The RSI at 37.26 is Neutral, neither overbought nor oversold. The STOCH value of 0.15 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for TIRXF.

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 (68)

Financial Indicators

TIRXF against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HUIZ	68Neutral	$22.74M	0.28	6.41%	―	―	―
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
TIRXF	47Neutral	$163	0.00	-12.03%	―	―	―
EHTH	41Neutral	$15.76M	-0.59	3.23%	―	-8.37%	-220.33%
ZBAO	41Neutral	$2.28M	-0.03	-424.23%	―	37.29%	-396.20%

* Financial Sector Average

Performance Comparison

TIRXF and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
TIRXF	Tian Ruixiang Holdings Ltd.	0.01	-50.99	-99.98%
EHTH	Ehealth	0.49	-4.44	-90.02%
HUIZ	Huize Holding Ltd.	2.25	-1.57	-41.10%
ZBAO	Zhibao Technology Inc. Class A	0.26	-49.74	-99.49%

TIAN RUIXIANG Holdings Corporate Events

TIAN RUIXIANG Holdings Expands Globally with Ren Talents Acquisition

Nov 5, 2025

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...

TIAN RUIXIANG Holdings Expands into Southeast Asia with Beyond Coastline Acquisition

Nov 5, 2025

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 in...

TIAN RUIXIANG Holdings Announces $3 Million Direct Offering

Oct 14, 2025

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 ex...

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.

Date of analysis: Dec 02, 2025

TIAN RUIXIANG Holdings AI Stock Analysis