3.6 USD
-0.02 (-0.55%)
We assign a fundamental rating of 4 out of 10 to HUIZ. HUIZ was compared to 148 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 correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year HUIZ was profitable.
HUIZ had negative earnings in 4 of the past 5 years.
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.
HUIZ has a Return On Equity of 4.43%. This is in the lower half of the industry: HUIZ underperforms 75.00% of its industry peers.
Looking at the Return On Invested Capital, with a value of 0.13%, HUIZ is doing worse than 73.65% 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 83.78% of its industry peers.
HUIZ has a worse Operating Margin (0.06%) than 86.49% of its industry peers.
HUIZ's Gross Margin of 28.80% is amongst the best of the industry. HUIZ outperforms 89.19% 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%
2. Health
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.
The number of shares outstanding for HUIZ has been reduced compared to 5 years ago.
HUIZ has a worse debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 2.59 indicates that HUIZ is not a great score, but indicates only limited risk for bankruptcy at the moment.
The Altman-Z score of HUIZ (2.59) is better than 91.89% of its industry peers.
A Debt/Equity ratio of 0.02 indicates that HUIZ is not too dependend on debt financing.
HUIZ has a Debt to Equity ratio of 0.02. This is amongst the best in the industry. HUIZ outperforms 88.51% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.02 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 2.59 |
ROIC/WACC0.02
WACC6.84%
2.3 Liquidity
A Current Ratio of 1.48 indicates that HUIZ should not have too much problems paying its short term obligations.
Looking at the Current ratio, with a value of 1.48, HUIZ belongs to the top of the industry, outperforming 87.16% of the companies in the same industry.
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.
HUIZ has a better Quick ratio (1.48) than 87.16% 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%.
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
The Earnings Per Share is expected to grow by 42.37% on average over the next years. This is a very strong growth
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
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 60.00, the valuation of HUIZ can be described as expensive.
HUIZ's Price/Earnings ratio is rather expensive when compared to the industry. HUIZ is more expensive than 82.43% of the companies in the same industry.
HUIZ is valuated expensively when we compare the Price/Earnings ratio to 26.46, which is the current average of the S&P500 Index.
HUIZ is valuated cheaply with a Price/Forward Earnings ratio of 7.92.
Compared to the rest of the industry, the Price/Forward Earnings ratio of HUIZ indicates a somewhat cheap valuation: HUIZ is cheaper than 70.95% of the companies listed in the same industry.
HUIZ's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 36.10.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 60 | ||
| Fwd PE | 7.92 |
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 71.62% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 35.72 |
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)1.22
PEG (5Y)N/A
EPS Next 2Y37.7%
EPS Next 3Y42.37%
5. Dividend
5.1 Amount
No dividends for HUIZ!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NASDAQ:HUIZ (12/5/2025, 8:26:34 PM)
3.6
-0.02 (-0.55%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners0.74%
Inst Owner Change-49.17%
Ins Owners1.09%
Ins Owner ChangeN/A
Market Cap178.54M
Revenue(TTM)1.34B
Net Income(TTM)18.20M
Analysts82.5
Price Target4.39 (21.94%)
Short Float %1.41%
Short Ratio1.53
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)22.86%
PT rev (3m)14.16%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
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 | 60 | ||
| Fwd PE | 7.92 | ||
| P/S | 0.94 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 3.08 | ||
| P/tB | 3.84 | ||
| EV/EBITDA | 35.72 |
EPS(TTM)0.06
EY1.67%
EPS(NY)0.45
Fwd EY12.63%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS3.81
BVpS1.17
TBVpS0.94
PEG (NY)1.22
PEG (5Y)N/A
Graham Number1.26
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 | 2.59 |
F-ScoreN/A
WACC6.84%
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 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 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 60 and the Price/Book (PB) ratio is 3.08.