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HUIZE HOLDING LTD-ADR (HUIZ) Stock Fundamental Analysis

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

2.16  -0.04 (-1.82%)

Fundamental Rating

3

Taking everything into account, HUIZ scores 3 out of 10 in our fundamental rating. HUIZ was compared to 144 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.
The reported operating cash flow has been mixed in the past 5 years: HUIZ reported negative operating cash flow in multiple 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

HUIZ has a Return On Assets of -1.88%. This is amonst the worse of the industry: HUIZ underperforms 87.50% of its industry peers.
The Return On Equity of HUIZ (-4.03%) is worse than 85.42% of its industry peers.
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 better Gross Margin (29.81%) than 90.28% of its industry peers.
HUIZ's Gross Margin has declined in the last couple of years.
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.
Compared to 5 years ago, HUIZ has less shares outstanding
HUIZ has a worse debt/assets ratio than last year.
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 1.79. This is a bad value and indicates that HUIZ is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 1.79, HUIZ belongs to the top of the industry, outperforming 91.67% of the companies in the same industry.
HUIZ has a Debt/Equity ratio of 0.02. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.02, HUIZ belongs to the top of the industry, outperforming 87.50% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF N/A
Altman-Z 1.79
ROIC/WACCN/A
WACC8.02%
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.
HUIZ has a better Current ratio (1.47) than 88.89% of its industry peers.
A Quick Ratio of 1.47 indicates that HUIZ should not have too much problems paying its short term obligations.
The Quick ratio of HUIZ (1.47) is better than 88.89% 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.
Looking at the last year, HUIZ shows a small growth in Revenue. The Revenue has grown by 1.30% in the last year.
Measured over the past years, HUIZ shows a small growth in Revenue. The Revenue has been growing by 4.69% on average per year.
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

Based on estimates for the next years, HUIZ will show a very strong growth in Earnings Per Share. The EPS will grow by 45.32% on average per year.
The Revenue is expected to grow by 12.64% on average over the next years. This is quite good.
EPS Next Y25.27%
EPS Next 2Y28.67%
EPS Next 3Y45.32%
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.
A Price/Forward Earnings ratio of 5.52 indicates a rather cheap valuation of HUIZ.
Based on the Price/Forward Earnings ratio, HUIZ is valued a bit cheaper than 77.08% of the companies in the same industry.
HUIZ is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.29, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE N/A
Fwd PE 5.52
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

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.
HUIZ's earnings are expected to grow with 45.32% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y28.67%
EPS Next 3Y45.32%

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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 (6/25/2025, 4:43:17 PM)

2.16

-0.04 (-1.82%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)06-06 2025-06-06
Earnings (Next)09-23 2025-09-23
Inst Owners0.21%
Inst Owner Change-96.08%
Ins Owners1.09%
Ins Owner ChangeN/A
Market Cap107.13M
Analysts87.5
Price Target3.84 (77.78%)
Short Float %0.35%
Short Ratio0.13
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)-40.84%
PT rev (3m)-42.64%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-31.58%
EPS NY rev (3m)-45.82%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)4.8%
Revenue NY rev (3m)12.2%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 5.52
P/S 0.63
P/FCF N/A
P/OCF N/A
P/B 1.92
P/tB 2.43
EV/EBITDA N/A
EPS(TTM)-0.03
EYN/A
EPS(NY)0.39
Fwd EY18.11%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS3.44
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 1.79
F-ScoreN/A
WACC8.02%
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 3Y45.32%
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