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HUIZE HOLDING LTD-ADR (HUIZ) Stock Fundamental Analysis

NASDAQ:HUIZ - Nasdaq - US44473E2046 - ADR - Currency: USD

2.448  -0.11 (-4.38%)

Fundamental Rating

3

HUIZ gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 143 industry peers in the Insurance industry. The financial health of HUIZ is average, but there are quite some concerns on its profitability. HUIZ has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year HUIZ has reported negative net income.
In the past 5 years HUIZ reported 4 times negative net income.
In multiple years HUIZ reported negative operating cash flow during the last 5 years.
HUIZ Yearly Net Income VS EBIT VS OCF VS FCFHUIZ Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M -200M

1.2 Ratios

With a Return On Assets value of -1.88%, HUIZ is not doing good in the industry: 86.71% of the companies in the same industry are doing better.
With a Return On Equity value of -4.03%, HUIZ is not doing good in the industry: 84.62% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA -1.88%
ROE -4.03%
ROIC N/A
ROA(3y)1.49%
ROA(5y)-0.59%
ROE(3y)2.67%
ROE(5y)-5.29%
ROIC(3y)N/A
ROIC(5y)N/A
HUIZ Yearly ROA, ROE, ROICHUIZ Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2017 2018 2019 2020 2021 2022 2023 2024 0 -500 -1K -1.5K

1.3 Margins

HUIZ has a Gross Margin of 29.81%. This is amongst the best in the industry. HUIZ outperforms 90.21% of its industry peers.
In the last couple of years the Gross Margin of HUIZ has declined.
The Profit Margin and Operating Margin are not available for HUIZ so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 29.81%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y7.27%
GM growth 5Y-3.51%
HUIZ Yearly Profit, Operating, Gross MarginsHUIZ Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20

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5

2. Health

2.1 Basic Checks

HUIZ does not have a ROIC to compare to the WACC, probably because it is not profitable.
HUIZ has less shares outstanding than it did 1 year ago.
HUIZ has less shares outstanding than it did 5 years ago.
The debt/assets ratio for HUIZ is higher compared to a year ago.
HUIZ Yearly Shares OutstandingHUIZ Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
HUIZ Yearly Total Debt VS Total AssetsHUIZ Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.2 Solvency

HUIZ has an Altman-Z score of 1.91. This is not the best score and indicates that HUIZ is in the grey zone with still only limited risk for bankruptcy at the moment.
The Altman-Z score of HUIZ (1.91) is better than 90.91% of its industry peers.
A Debt/Equity ratio of 0.02 indicates that HUIZ is not too dependend on debt financing.
HUIZ's Debt to Equity ratio of 0.02 is amongst the best of the industry. HUIZ outperforms 86.71% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF N/A
Altman-Z 1.91
ROIC/WACCN/A
WACC6.59%
HUIZ Yearly LT Debt VS Equity VS FCFHUIZ Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M

2.3 Liquidity

HUIZ has a Current Ratio of 1.47. This is a normal value and indicates that HUIZ is financially healthy and should not expect problems in meeting its short term obligations.
With an excellent Current ratio value of 1.47, HUIZ belongs to the best of the industry, outperforming 88.81% of the companies in the same industry.
A Quick Ratio of 1.47 indicates that HUIZ should not have too much problems paying its short term obligations.
HUIZ has a better Quick ratio (1.47) than 88.81% of its industry peers.
Industry RankSector Rank
Current Ratio 1.47
Quick Ratio 1.47
HUIZ Yearly Current Assets VS Current LiabilitesHUIZ Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B

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4

3. Growth

3.1 Past

The earnings per share for HUIZ have decreased strongly by -105.00% in the last year.
HUIZ shows a small growth in Revenue. In the last year, the Revenue has grown by 1.30%.
HUIZ shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.69% yearly.
EPS 1Y (TTM)-105%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-200%
Revenue 1Y (TTM)1.3%
Revenue growth 3Y-17.76%
Revenue growth 5Y4.69%
Sales Q2Q%-8.48%

3.2 Future

The Earnings Per Share is expected to grow by 34.53% on average over the next years. This is a very strong growth
HUIZ is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.64% yearly.
EPS Next Y25.27%
EPS Next 2Y28.67%
EPS Next 3Y34.53%
EPS Next 5YN/A
Revenue Next Year23.94%
Revenue Next 2Y15.78%
Revenue Next 3Y12.64%
Revenue Next 5YN/A

3.3 Evolution

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
HUIZ Yearly Revenue VS EstimatesHUIZ Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B 2B
HUIZ Yearly EPS VS EstimatesHUIZ Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023 2024 2025 2026 2027 0 2 -2 4 -4

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4

4. Valuation

4.1 Price/Earnings Ratio

HUIZ reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Based on the Price/Forward Earnings ratio of 6.26, the valuation of HUIZ can be described as very cheap.
76.22% of the companies in the same industry are more expensive than HUIZ, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 37.11. HUIZ is valued rather cheaply when compared to this.
Industry RankSector Rank
PE N/A
Fwd PE 6.26
HUIZ Price Earnings VS Forward Price EarningsHUIZ Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 -20 40 -40 -60 -80

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
HUIZ Per share dataHUIZ EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 1 2 3

4.3 Compensation for Growth

HUIZ's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as HUIZ's earnings are expected to grow with 34.53% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y28.67%
EPS Next 3Y34.53%

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0

5. Dividend

5.1 Amount

HUIZ does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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HUIZE HOLDING LTD-ADR

NASDAQ:HUIZ (7/29/2025, 8:00:01 PM)

2.448

-0.11 (-4.38%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)06-09 2025-06-09/bmo
Earnings (Next)09-23 2025-09-23
Inst Owners0.21%
Inst Owner Change0%
Ins Owners1.09%
Ins Owner ChangeN/A
Market Cap121.41M
Analysts82.5
Price Target3.84 (56.86%)
Short Float %1.11%
Short Ratio1.01
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)-40.84%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-31.58%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)4.8%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 6.26
P/S 0.71
P/FCF N/A
P/OCF N/A
P/B 2.17
P/tB 2.76
EV/EBITDA N/A
EPS(TTM)-0.03
EYN/A
EPS(NY)0.39
Fwd EY15.97%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS3.43
BVpS1.13
TBVpS0.89
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -1.88%
ROE -4.03%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 29.81%
FCFM N/A
ROA(3y)1.49%
ROA(5y)-0.59%
ROE(3y)2.67%
ROE(5y)-5.29%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y7.27%
GM growth 5Y-3.51%
F-ScoreN/A
Asset Turnover1.42
Health
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.47
Quick Ratio 1.47
Altman-Z 1.91
F-ScoreN/A
WACC6.59%
ROIC/WACCN/A
Cap/Depr(3y)41.95%
Cap/Depr(5y)56.15%
Cap/Sales(3y)1.45%
Cap/Sales(5y)1.34%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-105%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-200%
EPS Next Y25.27%
EPS Next 2Y28.67%
EPS Next 3Y34.53%
EPS Next 5YN/A
Revenue 1Y (TTM)1.3%
Revenue growth 3Y-17.76%
Revenue growth 5Y4.69%
Sales Q2Q%-8.48%
Revenue Next Year23.94%
Revenue Next 2Y15.78%
Revenue Next 3Y12.64%
Revenue Next 5YN/A
EBIT growth 1Y-180.1%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year1558.65%
EBIT Next 3Y239.65%
EBIT Next 5YN/A
FCF growth 1Y-121.73%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-113.78%
OCF growth 3YN/A
OCF growth 5YN/A