Huize Holding (HUIZ)
NASDAQ:HUIZ
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Huize Holding
(NASDAQ:HUIZ)
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Rating:46Neutral
Price Target:
$2.00
▼(-8.68% Downside)
Action:ReiteratedDate:01/07/26
The score is held down primarily by weak financial performance (profitability decline and negative free cash flow) and bearish technicals (below key moving averages with negative MACD). A low P/E offers some valuation support, but it is not enough to offset the operational and momentum risks.
Positive Factors
Digital insurance platform and carrier partnerships
Huize’s platform model and broad carrier partnerships create a scalable, low-capex distribution engine that can keep acquiring customers and products over time. Durable access to insurers and diversified product offerings support recurring commission revenue and distribution resilience.
Negative Factors
Profitability deterioration
Negative net and EBIT margins show the business currently fails to convert revenue into sustainable profits, constraining retained earnings and the ability to fund growth internally. Persistent margin weakness risks long-term returns unless operational efficiency or pricing improves.
Read all positive and negative factors
Positive Factors
Negative Factors
Digital insurance platform and carrier partnerships
Huize’s platform model and broad carrier partnerships create a scalable, low-capex distribution engine that can keep acquiring customers and products over time. Durable access to insurers and diversified product offerings support recurring commission revenue and distribution resilience.
Read all positive factors
Huize Holding (HUIZ) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$14.43M
Dividend YieldN/A
Average Volume (3M)10.63K
Price to Earnings (P/E)2.5
Beta (1Y)0.75
Revenue Growth19.30%
EPS Growth-17.56%
CountryUS
Employees1,034
SectorFinancial
Sector Strength70
IndustryInsurance - Brokers
Share Statistics
EPS (TTM)0.00
Shares Outstanding8,582,664
10 Day Avg. Volume5,715
30 Day Avg. Volume10,625
Financial Highlights & Ratios
PEG Ratio0.18
Price to Book (P/B)0.03
Price to Sales (P/S)0.00957
P/FCF Ratio-0.51
Enterprise Value/Market Cap-9.81
Enterprise Value/Revenue-0.11
Enterprise Value/Gross Profit-0.37
Enterprise Value/Ebitda-31.72
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)0.05
Revenue Forecast (FY)$1.63B
Huize Holding Business Overview & Revenue Model
Company Description
Huize Holding Limited, together with its subsidiaries, offers insurance brokerage services in the People's Republic of China. The company provides life and health insurance products, such as critical illness, illness and disease, and term and whol...
How the Company Makes Money
Huize generates revenue primarily through commissions earned from insurance sales facilitated on its platform. When customers purchase insurance policies through Huize, the company receives a percentage of the premium as commission from the insura...
Huize Holding Earnings Call Summary
Earnings Call Date:Sep 12, 2025
(Q2-2025)
| % Change Since: |
Next Earnings Date:May 28, 2026
Earnings Call Sentiment Positive
Huize has demonstrated significant growth and operational efficiencies, driven by strong revenue and premium growth, successful international expansion, and AI deployment. Despite facing some regulatory challenges and macroeconomic concerns, the overall results and strategic initiatives paint a positive picture for future growth.Positive Updates
Record Revenue and Profit
Huize achieved a 3-year quarterly high in total revenue, reaching RMB 400 million, with a net profit of RMB 10.9 million.
Negative Updates
Regulatory Challenges
The company faces challenges related to upcoming regulatory changes in Hong Kong, including a cap on broker channel referral fees and commission spreading requirements.
Read all updates
Q2-2025 Updates
Positive
Negative
Record Revenue and Profit
Huize achieved a 3-year quarterly high in total revenue, reaching RMB 400 million, with a net profit of RMB 10.9 million.
Read all positive updates
Company Guidance
During the second quarter of 2025, Huize achieved significant financial and operational milestones. Total revenue reached RMB 400 million, marking a three-year quarterly high, while net profit stood at RMB 10.9 million. Gross written premiums grew by 34% year-over-year to RMB 1.8 billion, and first-year premiums increased by 73% to RMB 1.13 billion. The company added approximately 400,000 new clients, bringing its cumulative insurance user base to over 11.4 million. The average first-year premium for long-term products rose by 87% to RMB 7,600, with persistency ratios remaining above 95%. Huize continued to diversify its product offerings, with short-term insurance premiums rising 19% to RMB 140 million. The company expanded its partner ecosystem to 146 insurance companies and introduced several new products, including a children's accident insurance and a student accident & medical insurance. Furthermore, Huize leveraged AI to improve efficiency, reducing the expense-to-revenue ratio by 16.6 percentage points to 23.9%. Its international arm, Poni Insurtech, recorded a 32% increase in both GWP and revenue in Vietnam, marking significant progress in Southeast Asia. Looking ahead, Huize aims to capitalize on the growing demand for intelligent services in China's insurance industry and expand its ecosystem across Southeast Asia.Huize Holding Financial Statement Overview
Summary
Income Statement
45
Neutral
Balance Sheet
50
Neutral
Cash Flow
40
Negative
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 1.34B | 1.25B | 1.20B | 1.16B | 2.25B | 1.22B |
| Gross Profit | 384.20M | 380.63M | 466.48M | 423.62M | 554.26M | 403.87M |
| EBITDA | 4.46M | 15.31M | 64.68M | -25.25M | -106.99M | -20.80M |
| Net Income | 18.08M | -649.00K | 70.19M | -31.19M | -107.67M | -18.29M |
Balance Sheet | ||||||
| Total Assets | 902.17M | 884.20M | 947.01M | 1.09B | 1.86B | 1.34B |
| Cash, Cash Equivalents and Short-Term Investments | 241.70M | 238.21M | 258.14M | 277.17M | 381.16M | 404.62M |
| Total Debt | 92.04M | 90.83M | 176.25M | 336.11M | 500.78M | 350.27M |
| Total Liabilities | 472.74M | 454.95M | 536.59M | 747.59M | 1.50B | 867.29M |
| Stockholders Equity | 410.56M | 408.74M | 405.15M | 340.88M | 360.06M | 468.68M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | -23.21M | 106.83M | -101.89M | -213.98M | 129.47M |
| Operating Cash Flow | 0.00 | -18.93M | 137.35M | -85.07M | -175.92M | 137.67M |
| Investing Cash Flow | 0.00 | -3.24M | -61.02M | -56.29M | -80.93M | -31.08M |
| Financing Cash Flow | 0.00 | 23.21M | -133.56M | -101.13M | 141.89M | 383.05M |
Huize Holding Technical Analysis
Negative
2.19
Price Trends
1.88
Negative
2.45
Negative
2.67
Negative
Market Momentum
-0.15
Positive
38.47
Neutral
24.32
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HUIZ, the sentiment is Negative. The current price of 2.19 is above the 20-day moving average (MA) of 1.65, above the 50-day MA of 1.88, and below the 200-day MA of 2.67, indicating a bearish trend. The MACD of -0.15 indicates Positive momentum. The RSI at 38.47 is Neutral, neither overbought nor oversold. The STOCH value of 24.32 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for HUIZ.
Huize Holding Risk Analysis
Huize Holding disclosed 97 risk factors in its most recent earnings report. Huize Holding reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 2 New Risks
1.
We are subject to the changes, interpretation and enforcement of laws and regulations in mainland China. Q4, 2023
2.
We have limited history and experience operating in jurisdictions outside of China. If we are unable to manage the risks presented by our potential international expansion plan, our business, financial condition and results of operations will be adversely impacted. Q4, 2023
Huize Holding Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
55 Neutral | $39.15M | 3.50 | 4.33% | ― | 16.79% | ― | |
46 Neutral | $14.43M | 2.52 | 4.56% | ― | 19.30% | -17.56% | |
43 Neutral | $36.61M | -0.11 | -158.66% | ― | 7.56% | -344.04% | |
41 Neutral | $24.00M | -3.87 | ― | ― | 80.80% | ― |
* Financial Sector Average
HUIZ
Huize Holding
1.43
-0.61
-29.90%
EHTH
Ehealth
1.26
-4.54
-78.28%
GOCO
GoHealth
1.28
-9.13
-87.74%
ZBAO
Zhibao Technology Inc. Class A
0.72
-0.31
-30.34%
Huize Holding Corporate Events
Huize Holding Shifts to Semi-Annual Reporting and Posts Strong Premium Growth for Q3 2025
Dec 22, 2025
On December 22, 2025, Huize Holding Limited announced that its board had approved a shift to a semi-annual and annual financial reporting schedule, under which the company will henceforth release results and hold earnings calls twice a year, with ...
Huize Holding Announces Annual General Meeting for December 2025
Nov 26, 2025
On November 26, 2025, Huize Holding Limited announced it will hold its annual general meeting on December 17, 2025, in Hong Kong. The meeting will not involve any proposals for shareholder approval but will serve as an open forum for shareholders ...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.