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HUIZE HOLDING LTD-ADR (HUIZ) Stock Fundamental Analysis

NASDAQ:HUIZ - Nasdaq - US44473E2046 - ADR - Currency: USD

2.61  -0.09 (-3.33%)

Fundamental Rating

3

HUIZ gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 143 industry peers in the Insurance industry. HUIZ scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. HUIZ has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

HUIZ had negative 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

Looking at the Return On Assets, with a value of -1.88%, HUIZ is doing worse than 86.71% of the companies in the same industry.
Looking at the Return On Equity, with a value of -4.03%, HUIZ is doing worse than 84.62% of the companies in the same industry.
Industry RankSector Rank
ROA -1.88%
ROE -4.03%
ROIC 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
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

The Gross Margin of HUIZ (29.81%) is better than 90.21% of its industry peers.
HUIZ's Gross Margin has declined in the last couple of years.
The Profit Margin and Operating Margin are not available for HUIZ so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 29.81%
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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5

2. Health

2.1 Basic Checks

HUIZ does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for HUIZ has been reduced compared to 1 year ago.
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.
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

An Altman-Z score of 2.02 indicates that HUIZ is not a great score, but indicates only limited risk for bankruptcy at the moment.
HUIZ has a better Altman-Z score (2.02) than 90.91% 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 has a better Debt to Equity ratio (0.02) than 86.71% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF N/A
Altman-Z 2.02
ROIC/WACCN/A
WACC6.63%
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

A Current Ratio of 1.47 indicates that HUIZ should not have too much problems paying its short term obligations.
HUIZ has a better Current ratio (1.47) than 88.81% of its industry peers.
HUIZ has a Quick Ratio of 1.47. This is a normal value and indicates that HUIZ is financially healthy and should not expect problems in meeting its short term obligations.
HUIZ has a better Quick ratio (1.47) than 88.81% of its industry peers.
Industry RankSector Rank
Current Ratio 1.47
Quick Ratio 1.47
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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4

3. Growth

3.1 Past

HUIZ shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -105.00%.
The Revenue has been growing slightly by 1.30% in the past year.
The Revenue has been growing slightly by 4.69% on average over the past years.
EPS 1Y (TTM)-105%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-200%
Revenue 1Y (TTM)1.3%
Revenue growth 3Y-17.76%
Revenue growth 5Y4.69%
Sales Q2Q%-8.48%

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.
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 Year23.94%
Revenue Next 2Y15.78%
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.
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

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4

4. Valuation

4.1 Price/Earnings Ratio

HUIZ reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
HUIZ is valuated cheaply with a Price/Forward Earnings ratio of 6.67.
HUIZ's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. HUIZ is cheaper than 74.13% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of HUIZ to the average of the S&P500 Index (37.36), we can say HUIZ is valued rather cheaply.
Industry RankSector Rank
PE N/A
Fwd PE 6.67
HUIZ Price Earnings VS Forward Price EarningsHUIZ Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 -20 40 -40 -60 -80

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
HUIZ Per share dataHUIZ EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 1 2 3

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.
A more expensive valuation may be justified as HUIZ's earnings are expected to grow with 34.53% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y28.67%
EPS Next 3Y34.53%

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0

5. Dividend

5.1 Amount

HUIZ does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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HUIZE HOLDING LTD-ADR

NASDAQ:HUIZ (7/23/2025, 4:00:39 PM)

2.61

-0.09 (-3.33%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)06-09 2025-06-09/bmo
Earnings (Next)09-23 2025-09-23
Inst Owners0.21%
Inst Owner Change0%
Ins Owners1.09%
Ins Owner ChangeN/A
Market Cap129.44M
Analysts82.5
Price Target3.84 (47.13%)
Short Float %0.47%
Short Ratio0.33
Dividend
Industry RankSector 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)-40.84%
PT rev (3m)-40.84%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-31.58%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)4.8%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 6.67
P/S 0.76
P/FCF N/A
P/OCF N/A
P/B 2.32
P/tB 2.94
EV/EBITDA N/A
EPS(TTM)-0.03
EYN/A
EPS(NY)0.39
Fwd EY14.99%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS3.44
BVpS1.13
TBVpS0.89
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -1.88%
ROE -4.03%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 29.81%
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
ROICexcg growth 3YN/A
ROICexcg 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 Turnover1.42
Health
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.47
Quick Ratio 1.47
Altman-Z 2.02
F-ScoreN/A
WACC6.63%
ROIC/WACCN/A
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)-105%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-200%
EPS Next Y25.27%
EPS Next 2Y28.67%
EPS Next 3Y34.53%
EPS Next 5YN/A
Revenue 1Y (TTM)1.3%
Revenue growth 3Y-17.76%
Revenue growth 5Y4.69%
Sales Q2Q%-8.48%
Revenue Next Year23.94%
Revenue Next 2Y15.78%
Revenue Next 3Y12.64%
Revenue Next 5YN/A
EBIT growth 1Y-180.1%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year1558.65%
EBIT Next 3Y239.65%
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