HUIZE HOLDING LTD-ADR (HUIZ) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:HUIZ - US44473E2046 - ADR

2.28 USD

+0.08 (+3.64%)

Last: 1/23/2026, 8:02:00 PM

Fundamental Rating

Taking everything into account, HUIZ scores 4 out of 10 in our fundamental rating. 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 correct valuation and a medium growth rate.

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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.
In multiple years HUIZ reported negative operating cash flow during the last 5 years.

1.2 Ratios

With a Return On Assets value of 2.02%, HUIZ perfoms like the industry average, outperforming 52.35% of the companies in the same industry.
With a Return On Equity value of 4.43%, HUIZ is not doing good in the industry: 73.83% of the companies in the same industry are doing better.
Looking at the Return On Invested Capital, with a value of 0.13%, HUIZ is doing worse than 73.15% of the companies in the same industry.

		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's Profit Margin of 1.36% is on the low side compared to the rest of the industry. HUIZ is outperformed by 81.21% of its industry peers.
HUIZ has a Operating Margin of 0.06%. This is amonst the worse of the industry: HUIZ underperforms 85.91% of its industry peers.
With an excellent Gross Margin value of 28.80%, HUIZ belongs to the best of the industry, outperforming 89.93% 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%

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

HUIZ has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
HUIZ has less shares outstanding than it did 1 year ago.
The number of shares outstanding for HUIZ has been reduced compared to 5 years ago.
Compared to 1 year ago, HUIZ has a worse debt to assets ratio.

2.2 Solvency

An Altman-Z score of 1.98 indicates that HUIZ is not a great score, but indicates only limited risk for bankruptcy at the moment.
The Altman-Z score of HUIZ (1.98) is better than 89.93% 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 87.92% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.02
Debt/FCF	N/A
Altman-Z	1.98

ROIC/WACC0.02

WACC6.53%

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 better Quick ratio (1.48) than 87.25% 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

HUIZ shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -81.82%.
Looking at the last year, HUIZ shows a quite strong growth in Revenue. The Revenue has grown by 19.16% in the last 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)-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

Based on estimates for the next years, HUIZ will show a very strong growth in Earnings Per Share. The EPS will grow by 58.36% 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 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

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

A Price/Earnings ratio of 38.00 indicates a quite expensive valuation of 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.
The average S&P500 Price/Earnings ratio is at 27.21. HUIZ is valued slightly more expensive when compared to this.
A Price/Forward Earnings ratio of 3.47 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.
HUIZ's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.26.

		Industry Rank	Sector Rank
PE	38
Fwd PE	3.47

4.2 Price Multiples

HUIZ's Enterprise Value to EBITDA ratio is a bit more expensive when compared to the industry. HUIZ is more expensive than 68.46% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	22.18

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.
HUIZ's earnings are expected to grow with 58.36% in the coming years. This may justify a more expensive valuation.