HUIZE HOLDING LTD-ADR (HUIZ) Fundamental Analysis & Valuation

NASDAQ:HUIZ • US44473E2046

1.79 USD
+0.16 (+9.82%)
Last: Mar 10, 2026, 08:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This HUIZ fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to HUIZ. HUIZ was compared to 149 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.


Dividend Valuation Growth Profitability Health

2

1. HUIZ Profitability Analysis

1.1 Basic Checks

  • HUIZ had positive earnings 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.
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 (2.02%) which is comparable to the rest of the industry.
  • HUIZ has a Return On Equity of 4.43%. This is in the lower half of the industry: HUIZ underperforms 73.15% of its industry peers.
  • HUIZ's Return On Invested Capital of 0.13% is on the low side compared to the rest of the industry. HUIZ is outperformed by 73.15% of its industry peers.
Industry RankSector 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
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

  • Looking at the Profit Margin, with a value of 1.36%, HUIZ is doing worse than 79.19% of the companies in the same industry.
  • The Operating Margin of HUIZ (0.06%) is worse than 84.56% of its industry peers.
  • The Gross Margin of HUIZ (28.80%) is better than 89.26% of its industry peers.
  • HUIZ's Gross Margin has declined in the last couple of years.
Industry RankSector 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%
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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ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. HUIZ Health Analysis

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
  • Compared to 1 year ago, HUIZ has a worse debt to assets ratio.
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 1.80. This is a bad value and indicates that HUIZ is not financially healthy and even has some risk of bankruptcy.
  • HUIZ has a better Altman-Z score (1.80) than 90.60% of its industry peers.
  • 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 87.92% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF N/A
Altman-Z 1.8
ROIC/WACC0.02
WACC6.34%
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 1.48. This is a normal value and indicates that HUIZ is financially healthy and should not expect problems in meeting its short term obligations.
  • Looking at the Current ratio, with a value of 1.48, HUIZ belongs to the top of the industry, outperforming 87.25% of the companies in the same industry.
  • 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 87.25% of its industry peers.
Industry RankSector Rank
Current Ratio 1.48
Quick Ratio 1.48
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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. HUIZ Growth Analysis

3.1 Past

  • HUIZ shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -81.82%.
  • The Revenue has grown by 19.16% in the past year. This is quite good.
  • The Revenue has been growing slightly by 4.69% on average over the past years.
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 58.36% 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 Y152.71%
EPS Next 2Y64.55%
EPS Next 3Y58.36%
EPS Next 5YN/A
Revenue Next Year35.82%
Revenue Next 2Y21.42%
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 6

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5

4. HUIZ Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 29.83, which means the current valuation is very expensive for HUIZ.
  • Compared to the rest of the industry, the Price/Earnings ratio of HUIZ indicates a slightly more expensive valuation: HUIZ is more expensive than 79.87% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of HUIZ to the average of the S&P500 Index (26.25), we can say HUIZ is valued inline with the index average.
  • The Price/Forward Earnings ratio is 2.68, which indicates a rather cheap valuation of HUIZ.
  • 86.58% of the companies in the same industry are more expensive than HUIZ, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of HUIZ to the average of the S&P500 Index (24.39), we can say HUIZ is valued rather cheaply.
Industry RankSector Rank
PE 29.83
Fwd PE 2.68
HUIZ Price Earnings VS Forward Price EarningsHUIZ Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

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 63.76% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 18.11
HUIZ Per share dataHUIZ EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 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 58.36% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.2
PEG (5Y)N/A
EPS Next 2Y64.55%
EPS Next 3Y58.36%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. HUIZ Dividend Analysis

5.1 Amount

  • HUIZ does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

HUIZ Fundamentals: All Metrics, Ratios and Statistics

HUIZE HOLDING LTD-ADR

NASDAQ:HUIZ (3/10/2026, 8:00:03 PM)

1.79

+0.16 (+9.82%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)12-26
Earnings (Next)03-23
Inst Owners0.95%
Inst Owner Change47.64%
Ins Owners1.09%
Ins Owner ChangeN/A
Market Cap88.78M
Revenue(TTM)1.34B
Net Income(TTM)18.20M
Analysts85.71
Price Target4.79 (167.6%)
Short Float %0.56%
Short Ratio0.61
Dividend
Industry RankSector Rank
Dividend Yield 0%
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)9.3%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)69.22%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 29.83
Fwd PE 2.68
P/S 0.46
P/FCF N/A
P/OCF N/A
P/B 1.49
P/tB 1.86
EV/EBITDA 18.11
EPS(TTM)0.06
EY3.35%
EPS(NY)0.67
Fwd EY37.29%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS3.92
BVpS1.2
TBVpS0.96
PEG (NY)0.2
PEG (5Y)N/A
Graham Number1.27
Profitability
Industry RankSector 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 RankSector 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 1.8
F-ScoreN/A
WACC6.34%
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 Y152.71%
EPS Next 2Y64.55%
EPS Next 3Y58.36%
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 3Y200.7%
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 FAQ

What is the fundamental rating for HUIZ stock?

ChartMill assigns a fundamental rating of 4 / 10 to HUIZ.


What is the valuation status of HUIZE HOLDING LTD-ADR (HUIZ) stock?

ChartMill assigns a valuation rating of 5 / 10 to HUIZE HOLDING LTD-ADR (HUIZ). This can be considered as Fairly Valued.


What is the profitability of HUIZ stock?

HUIZE HOLDING LTD-ADR (HUIZ) has a profitability rating of 2 / 10.


Can you provide the PE and PB ratios for HUIZ stock?

The Price/Earnings (PE) ratio for HUIZE HOLDING LTD-ADR (HUIZ) is 29.83 and the Price/Book (PB) ratio is 1.49.


What is the financial health of HUIZE HOLDING LTD-ADR (HUIZ) stock?

The financial health rating of HUIZE HOLDING LTD-ADR (HUIZ) is 5 / 10.