HUIZE HOLDING LTD-ADR (HUIZ) Stock Fundamental Analysis
USA - NASDAQ:HUIZ - US44473E2046 - ADR
3.2 USD
+0.02 (+0.63%)
We assign a fundamental rating of 4 out of 10 to HUIZ. HUIZ was compared to 146 industry peers in the Insurance industry. While HUIZ seems to be doing ok healthwise, there are quite some concerns on its profitability. HUIZ has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year HUIZ was profitable.
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.
1.2 Ratios
HUIZ's Return On Assets of 2.02% is in line compared to the rest of the industry. HUIZ outperforms 50.68% of its industry peers.
Looking at the Return On Equity, with a value of 4.43%, HUIZ is doing worse than 76.03% of the companies in the same industry.
HUIZ has a worse Return On Invested Capital (0.13%) than 71.92% 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
With a Profit Margin value of 1.36%, HUIZ is not doing good in the industry: 81.51% of the companies in the same industry are doing better.
Looking at the Operating Margin, with a value of 0.06%, HUIZ is doing worse than 84.25% of the companies in the same industry.
With an excellent Gross Margin value of 28.80%, HUIZ belongs to the best of the industry, outperforming 90.41% of the companies in the same industry.
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%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so HUIZ is destroying value.
Compared to 1 year ago, HUIZ has less shares outstanding
HUIZ has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, HUIZ has a worse debt to assets ratio.
2.2 Solvency
HUIZ has an Altman-Z score of 2.42. 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 (2.42) is better than 91.10% 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 89.04% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.02 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 2.42 |
ROIC/WACC0.02
WACC6.76%
2.3 Liquidity
A Current Ratio of 1.48 indicates that HUIZ should not have too much problems paying its short term obligations.
The Current ratio of HUIZ (1.48) is better than 86.99% 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 86.99% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.48 | ||
| Quick Ratio | 1.48 |
3. Growth
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.
HUIZ shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.69% yearly.
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
HUIZ is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 42.37% yearly.
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 Y49.34%
EPS Next 2Y37.7%
EPS Next 3Y42.37%
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 53.33, HUIZ can be considered very expensive at the moment.
Based on the Price/Earnings ratio, HUIZ is valued expensively inside the industry as 84.25% of the companies are valued cheaper.
When comparing the Price/Earnings ratio of HUIZ to the average of the S&P500 Index (25.91), we can say HUIZ is valued expensively.
A Price/Forward Earnings ratio of 7.06 indicates a rather cheap valuation of HUIZ.
Based on the Price/Forward Earnings ratio, HUIZ is valued a bit cheaper than 76.71% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of HUIZ to the average of the S&P500 Index (34.57), we can say HUIZ is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 53.33 | ||
| Fwd PE | 7.06 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, HUIZ is valued a bit more expensive than the industry average as 70.55% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 32.04 |
4.3 Compensation for Growth
HUIZ's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
HUIZ's earnings are expected to grow with 42.37% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.08
PEG (5Y)N/A
EPS Next 2Y37.7%
EPS Next 3Y42.37%
5. Dividend
5.1 Amount
HUIZ does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NASDAQ:HUIZ (11/13/2025, 8:00:02 PM)
3.2
+0.02 (+0.63%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners1.1%
Inst Owner Change0%
Ins Owners1.09%
Ins Owner ChangeN/A
Market Cap158.70M
Revenue(TTM)1.34B
Net Income(TTM)18.20M
Analysts82.5
Price Target3.57 (11.56%)
Short Float %2.73%
Short Ratio0.16
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)-16%
PT rev (3m)-7.08%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)19.21%
EPS NY rev (3m)19.21%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)9.59%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 53.33 | ||
| Fwd PE | 7.06 | ||
| P/S | 0.84 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2.75 | ||
| P/tB | 3.42 | ||
| EV/EBITDA | 32.04 |
EPS(TTM)0.06
EY1.88%
EPS(NY)0.45
Fwd EY14.16%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS3.8
BVpS1.16
TBVpS0.93
PEG (NY)1.08
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 | 2.42 |
F-ScoreN/A
WACC6.76%
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 Y49.34%
EPS Next 2Y37.7%
EPS Next 3Y42.37%
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 FAQ
What is the fundamental rating for HUIZ stock?
ChartMill assigns a fundamental rating of 4 / 10 to HUIZ.
What is the valuation status for HUIZ stock?
ChartMill assigns a valuation rating of 4 / 10 to HUIZE HOLDING LTD-ADR (HUIZ). This can be considered as Fairly Valued.
How profitable is HUIZE HOLDING LTD-ADR (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 53.33 and the Price/Book (PB) ratio is 2.75.