HUIZE HOLDING LTD-ADR(NASDAQ:HUIZ) stock Fundamental Analysis

Fundamental Rating

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 decent growth rate and is not valued too expensively.

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1. Profitability

1.1 Basic Checks

HUIZ had positive earnings in the past year.

HUIZ had a negative operating cash flow in the past year.

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.

1.2 Ratios

With a Return On Assets value of -0.07%, HUIZ is not doing good in the industry: 82.52% of the companies in the same industry are doing better.

HUIZ has a Return On Equity of -0.16%. This is amonst the worse of the industry: HUIZ underperforms 81.82% of its industry peers.

		Industry Rank	Sector Rank
ROA	-0.07%
ROE	-0.16%
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

1.3 Margins

The Gross Margin of HUIZ (30.48%) is better than 90.21% 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 Rank	Sector Rank
OM	N/A
PM (TTM)	N/A
GM	30.48%

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%

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

HUIZ does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, HUIZ has less shares outstanding

HUIZ has less shares outstanding than it did 5 years ago.

The debt/assets ratio for HUIZ is higher compared to a year ago.

2.2 Solvency

HUIZ has an Altman-Z score of 1.88. 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 (1.88) is better than 92.31% of its industry peers.

HUIZ has a Debt/Equity ratio of 0.12. This is a healthy value indicating a solid balance between debt and equity.

The Debt to Equity ratio of HUIZ (0.12) is better than 80.42% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.12
Debt/FCF	N/A
Altman-Z	1.88

ROIC/WACCN/A

WACC7.35%

2.3 Liquidity

HUIZ has a Current Ratio of 1.44. 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 Current ratio of 1.44. This is amongst the best in the industry. HUIZ outperforms 86.71% of its industry peers.

HUIZ has a Quick Ratio of 1.44. 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 Quick ratio (1.44) than 86.71% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	1.44
Quick Ratio	1.44

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for HUIZ have decreased strongly by -96.43% in the last year.

The Revenue has been growing slightly by 4.46% in the past year.

HUIZ shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.69% yearly.

EPS 1Y (TTM)-96.43%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%-100%

Revenue 1Y (TTM)4.46%

Revenue growth 3Y-17.76%

Revenue growth 5Y4.69%

Sales Q2Q%20.52%

3.2 Future

The Earnings Per Share is expected to grow by 80.04% on average over the next years. This is a very strong growth

The Revenue is expected to grow by 11.82% on average over the next years. This is quite good.

EPS Next Y83.09%

EPS Next 2Y80.99%

EPS Next 3Y80.04%

EPS Next 5YN/A

Revenue Next Year18.26%

Revenue Next 2Y13.69%

Revenue Next 3Y11.82%

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.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 24.57, HUIZ is valued on the expensive side.

Based on the Price/Earnings ratio, HUIZ is valued a bit more expensive than the industry average as 72.03% of the companies are valued more cheaply.

HUIZ is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 24.83, which is the current average of the S&P500 Index.

HUIZ is valuated cheaply with a Price/Forward Earnings ratio of 5.16.

Based on the Price/Forward Earnings ratio, HUIZ is valued a bit cheaper than 78.32% of the companies in the same industry.

HUIZ's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 20.94.

		Industry Rank	Sector Rank
PE	24.57
Fwd PE	5.16

4.2 Price Multiples

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of HUIZ indicates a slightly more expensive valuation: HUIZ is more expensive than 69.23% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	36.88

4.3 Compensation for Growth

The 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 80.04% in the coming years.

PEG (NY)0.3

PEG (5Y)N/A

EPS Next 2Y80.99%

EPS Next 3Y80.04%

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5. Dividend

5.1 Amount

HUIZ does not give a dividend.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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HUIZE HOLDING LTD-ADR

NASDAQ:HUIZ (5/12/2025, 8:00:01 PM)

After market: 2.4 +0.19 (+8.55%)

2.211

-0.04 (-1.73%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)03-24 2025-03-24/bmo

Earnings (Next)05-21 2025-05-21

Inst Owners0.07%

Inst Owner Change0%

Ins Owners1.11%

Ins Owner ChangeN/A

Market Cap109.66M

Analysts86.67

Price Target6.49 (193.53%)

Short Float %0.39%

Short Ratio0.15

Dividend

		Industry Rank	Sector 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)-3.05%

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)0%

EPS NY rev (3m)-20.82%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0%

Revenue NY rev (3m)7.06%

Valuation

		Industry Rank	Sector Rank
PE	24.57
Fwd PE	5.16
P/S	0.64
P/FCF	N/A
P/OCF	N/A
P/B	1.94
P/tB	2.44
EV/EBITDA	36.88

EPS(TTM)0.09

EY4.07%

EPS(NY)0.43

Fwd EY19.39%

FCF(TTM)-0.06

FCFYN/A

OCF(TTM)-0.05

OCFYN/A

SpS3.48

BVpS1.14

TBVpS0.91

PEG (NY)0.3

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	-0.07%
ROE	-0.16%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	N/A
GM	30.48%
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-Score3

Asset Turnover1.41

Health

		Industry Rank	Sector Rank
Debt/Equity	0.12
Debt/FCF	N/A
Debt/EBITDA	3.27
Cap/Depr	11.81%
Cap/Sales	0.34%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	1.44
Quick Ratio	1.44
Altman-Z	1.88

F-Score3

WACC7.35%

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)-96.43%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%-100%

EPS Next Y83.09%

EPS Next 2Y80.99%

EPS Next 3Y80.04%

EPS Next 5YN/A

Revenue 1Y (TTM)4.46%

Revenue growth 3Y-17.76%

Revenue growth 5Y4.69%

Sales Q2Q%20.52%

Revenue Next Year18.26%

Revenue Next 2Y13.69%

Revenue Next 3Y11.82%

Revenue Next 5YN/A

EBIT growth 1Y-141.06%

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

HUIZE HOLDING LTD-ADR (HUIZ) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

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