HUIZ Fundamental Analysis - HUIZE HOLDING LTD-ADR

Fundamental Rating

Taking everything into account, HUIZ scores 4 out of 10 in our fundamental rating. 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. While showing a medium growth rate, HUIZ is valued expensive at the moment.

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1. Profitability

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.

1.2 Ratios

HUIZ has a Return On Assets (2.02%) which is comparable to the rest of the industry.

The Return On Equity of HUIZ (4.43%) is worse than 74.83% of its industry peers.

Looking at the Return On Invested Capital, with a value of 0.13%, HUIZ is doing worse than 70.75% 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 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.

HUIZ has a better Gross Margin (28.80%) than 90.48% of its industry peers.

HUIZ's Gross Margin has declined in the last couple of years.

		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.

Compared to 1 year ago, HUIZ has less shares outstanding

The number of shares outstanding for HUIZ has been reduced compared to 5 years ago.

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

2.2 Solvency

An Altman-Z score of 2.64 indicates that HUIZ is not a great score, but indicates only limited risk for bankruptcy at the moment.

HUIZ's Altman-Z score of 2.64 is amongst the best of the industry. HUIZ outperforms 91.84% 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.

HUIZ's Debt to Equity ratio of 0.02 is amongst the best of the industry. HUIZ outperforms 88.44% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.02
Debt/FCF	N/A
Altman-Z	2.64

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.

The Current ratio of HUIZ (1.48) is better than 87.07% of its industry peers.

HUIZ has a Quick 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 Quick ratio, with a value of 1.48, HUIZ belongs to the top of the industry, outperforming 87.07% of the companies in the same industry.

		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%.

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

Based on estimates for the next years, HUIZ will show a very strong growth in Earnings Per Share. The EPS will grow by 34.53% on average per year.

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 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

The Price/Earnings ratio is 61.50, which means the current valuation is very expensive for HUIZ.

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

HUIZ's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 27.57.

With a Price/Forward Earnings ratio of 9.37, the valuation of HUIZ can be described as very reasonable.

61.22% of the companies in the same industry are more expensive than HUIZ, based on the Price/Forward Earnings ratio.

HUIZ is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.09, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	61.5
Fwd PE	9.37

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, HUIZ is valued a bit more expensive than 70.75% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	36.85

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates HUIZ does not grow enough to justify the current Price/Earnings ratio.

A more expensive valuation may be justified as HUIZ's earnings are expected to grow with 34.53% in the coming years.

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

HUIZ does not give a dividend.

		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	9.37
P/S	0.98
P/FCF	N/A
P/OCF	N/A
P/B	3.18
P/tB	3.96
EV/EBITDA	36.85

EPS(TTM)0.06

EY1.63%

EPS(NY)0.39

Fwd EY10.67%

FCF(TTM)N/A

FCFYN/A

OCF(TTM)N/A

OCFYN/A

SpS3.78

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	2.64

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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