HUIZ Fundamental Analysis - HUIZE HOLDING LTD-ADR

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to HUIZ. HUIZ was compared to 147 industry peers in the Insurance industry. While HUIZ seems to be doing ok healthwise, there are quite some concerns on its profitability. HUIZ is quite expensive at the moment. It does show a decent growth rate.

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1. Profitability

1.1 Basic Checks

HUIZ had positive earnings in the past year.

HUIZ had negative earnings in 4 of the past 5 years.

The reported operating cash flow has been mixed in the past 5 years: HUIZ reported negative operating cash flow in multiple years.

1.2 Ratios

HUIZ's Return On Assets of 2.02% is in line compared to the rest of the industry. HUIZ outperforms 50.34% of its industry peers.

With a Return On Equity value of 4.43%, HUIZ is not doing good in the industry: 74.83% of the companies in the same industry are doing better.

The Return On Invested Capital of HUIZ (0.13%) is worse than 70.75% of its industry peers.

		Industry Rank	Sector Rank
ROA	2.02%
ROE	4.43%
ROIC	0.13%

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

HUIZ has a worse Profit Margin (1.36%) than 81.63% of its industry peers.

Looking at the Operating Margin, with a value of 0.06%, HUIZ is doing worse than 83.67% of the companies in the same industry.

The Gross Margin of HUIZ (28.80%) is better than 90.48% of its industry peers.

In the last couple of years the Gross Margin of HUIZ has declined.

		Industry Rank	Sector Rank
OM	0.06%
PM (TTM)	1.36%
GM	28.8%

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

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so HUIZ is destroying value.

HUIZ has less shares outstanding than it did 1 year ago.

Compared to 5 years ago, HUIZ has less shares outstanding

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

2.2 Solvency

An Altman-Z score of 2.62 indicates that HUIZ is not a great score, but indicates only limited risk for bankruptcy at the moment.

HUIZ has a Altman-Z score of 2.62. This is amongst the best in the industry. HUIZ outperforms 91.84% of its industry peers.

A Debt/Equity ratio of 0.02 indicates that HUIZ is not too dependend on debt financing.

With an excellent Debt to Equity ratio value of 0.02, HUIZ belongs to the best of the industry, outperforming 88.44% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.02
Debt/FCF	N/A
Altman-Z	2.62

ROIC/WACC0.02

WACC6.85%

2.3 Liquidity

A Current Ratio of 1.48 indicates that HUIZ should not have too much problems paying its short term obligations.

HUIZ has a better Current ratio (1.48) than 87.07% of its industry peers.

A Quick Ratio of 1.48 indicates that HUIZ should not have too much problems paying its short term obligations.

HUIZ has a Quick ratio of 1.48. This is amongst the best in the industry. HUIZ outperforms 87.07% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	1.48
Quick Ratio	1.48

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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 -81.82% in the last year.

HUIZ shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 19.16%.

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)-81.82%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%150%

Revenue 1Y (TTM)19.16%

Revenue growth 3Y-17.76%

Revenue growth 5Y4.69%

Sales Q2Q%40.31%

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

Based on estimates for the next years, HUIZ will show a quite strong growth in Revenue. The Revenue will grow by 12.64% on average per year.

EPS Next Y25.27%

EPS Next 2Y28.67%

EPS Next 3Y34.53%

EPS Next 5YN/A

Revenue Next Year35.82%

Revenue Next 2Y21.42%

Revenue Next 3Y12.64%

Revenue Next 5YN/A

3.3 Evolution

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

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4. Valuation

4.1 Price/Earnings Ratio

HUIZ is valuated quite expensively with a Price/Earnings ratio of 61.50.

Based on the Price/Earnings ratio, HUIZ is valued expensively inside the industry as 83.67% of the companies are valued cheaper.

Compared to an average S&P500 Price/Earnings ratio of 27.57, HUIZ is valued quite expensively.

HUIZ is valuated reasonably with a Price/Forward Earnings ratio of 9.36.

Based on the Price/Forward Earnings ratio, HUIZ is valued a bit cheaper than the industry average as 62.59% of the companies are valued more expensively.

When comparing the Price/Forward Earnings ratio of HUIZ to the average of the S&P500 Index (23.09), we can say HUIZ is valued rather cheaply.

		Industry Rank	Sector Rank
PE	61.5
Fwd PE	9.36

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, HUIZ is valued a bit more expensive than the industry average as 70.75% of the companies are valued more cheaply.

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	36.34

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.

HUIZ's earnings are expected to grow with 34.53% in the coming years. This may justify a more expensive valuation.

PEG (NY)2.43

PEG (5Y)N/A

EPS Next 2Y28.67%

EPS Next 3Y34.53%

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5. Dividend

5.1 Amount

No dividends for HUIZ!.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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HUIZE HOLDING LTD-ADR

NASDAQ:HUIZ (10/22/2025, 8:00:02 PM)

After market: 3.4616 -0.23 (-6.19%)

3.69

+0.05 (+1.37%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)09-12 2025-09-12

Earnings (Next)12-08 2025-12-08

Inst Owners1.1%

Inst Owner Change0%

Ins Owners1.09%

Ins Owner ChangeN/A

Market Cap183.01M

Revenue(TTM)1.34B

Net Income(TTM)18.20M

Analysts82.5

Price Target4.25 (15.18%)

Short Float %12.5%

Short Ratio0.72

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)10.62%

PT rev (3m)10.62%

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)0%

EPS NY rev (3m)0%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)9.59%

Revenue NY rev (3m)9.59%

Valuation

		Industry Rank	Sector Rank
PE	61.5
Fwd PE	9.36
P/S	0.97
P/FCF	N/A
P/OCF	N/A
P/B	3.18
P/tB	3.96
EV/EBITDA	36.34

EPS(TTM)0.06

EY1.63%

EPS(NY)0.39

Fwd EY10.68%

FCF(TTM)N/A

FCFYN/A

OCF(TTM)N/A

OCFYN/A

SpS3.79

BVpS1.16

TBVpS0.93

PEG (NY)2.43

PEG (5Y)N/A

Graham Number1.25

Profitability

		Industry Rank	Sector Rank
ROA	2.02%
ROE	4.43%
ROCE	0.16%
ROIC	0.13%
ROICexc	0.13%
ROICexgc	0.15%
OM	0.06%
PM (TTM)	1.36%
GM	28.8%
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

ROICexgc growth 3YN/A

ROICexgc 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 Turnover1.48

Health

		Industry Rank	Sector Rank
Debt/Equity	0.02
Debt/FCF	N/A
Debt/EBITDA	0.19
Cap/Depr	N/A
Cap/Sales	N/A
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	1.48
Quick Ratio	1.48
Altman-Z	2.62

F-ScoreN/A

WACC6.85%

ROIC/WACC0.02

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)-81.82%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%150%

EPS Next Y25.27%

EPS Next 2Y28.67%

EPS Next 3Y34.53%

EPS Next 5YN/A

Revenue 1Y (TTM)19.16%

Revenue growth 3Y-17.76%

Revenue growth 5Y4.69%

Sales Q2Q%40.31%

Revenue Next Year35.82%

Revenue Next 2Y21.42%

Revenue Next 3Y12.64%

Revenue Next 5YN/A

EBIT growth 1Y-94.94%

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next Year1596.24%

EBIT Next 3Y178.92%

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

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5. Dividend

5.1 Amount

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