Huize Holding (HUIZ)
NASDAQ:HUIZ
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Huize Holding
(NASDAQ:HUIZ)
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Rating:60Neutral
Price Target:
$1.50
▼(-31.51% Downside)
Action:Reiterated
Date:05/01/26
The score is driven by moderate financial performance (healthier leverage and a 2025 return to profit and positive free cash flow, but thin/unstable profitability and volatile cash generation). Valuation is a support given the very low P/E, while technicals weigh on the score due to a weak trend below key moving averages and slightly negative MACD.
Positive Factors
Balance sheet deleveraging
Material deleveraging to a roughly 0.22 debt-to-equity and stable equity provide lasting financial flexibility. A conservative capital structure reduces refinancing and interest-rate risk, supports investment in distribution tech and product expansion, and improves resilience through cycles.
Negative Factors
Thin GAAP profitability
Near-breakeven GAAP profit and sharply lower ROE signal fragile earnings power. Thin margins limit retained earnings available for reinvestment and heighten sensitivity to revenue mix shifts or cost inflation, making durable profit expansion uncertain absent sustained margin recovery.
Read all positive and negative factors
Positive Factors
Negative Factors
Balance sheet deleveraging
Material deleveraging to a roughly 0.22 debt-to-equity and stable equity provide lasting financial flexibility. A conservative capital structure reduces refinancing and interest-rate risk, supports investment in distribution tech and product expansion, and improves resilience through cycles.
Read all positive factors
Huize Holding (HUIZ) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$18.09M
Dividend YieldN/A
Average Volume (3M)10.63K
Price to Earnings (P/E)2.5
Beta (1Y)0.81
Revenue Growth19.30%
EPS Growth-17.56%
CountryUS
Employees1,034
SectorFinancial
Sector Strength70
IndustryInsurance - Brokers
Share Statistics
EPS (TTM)35.80
Shares Outstanding8,600,164
10 Day Avg. Volume5,715
30 Day Avg. Volume10,625
Financial Highlights & Ratios
PEG Ratio>-0.01
Price to Book (P/B)0.02
Price to Sales (P/S)0.00644
P/FCF Ratio1.03
Enterprise Value/Market Cap-7.76
Enterprise Value/Revenue-0.11
Enterprise Value/Gross Profit-0.37
Enterprise Value/Ebitda-31.47
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)0.03
Revenue Forecast (FY)$1.68B
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 primarily makes money by distributing insurance products and earning fees/commissions tied to successful policy placements and ongoing policy servicing. Its revenue model generally includes: (1) distribution/commissions from insurers when cu...
Huize Holding Earnings Call Summary
Earnings Call Date:Sep 12, 2025
(Q2-2025)
| % Change Since: |
Next Earnings Date:Sep 03, 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
52
Neutral
Balance Sheet
67
Positive
Cash Flow
58
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 1.34B | 1.54B | 1.25B | 1.20B | 1.16B | 2.25B |
| Gross Profit | 384.20M | 416.69M | 380.63M | 466.48M | 423.62M | 554.26M |
| EBITDA | 4.46M | 29.68M | 15.31M | 64.68M | -25.25M | -106.99M |
| Net Income | 18.08M | 3.93M | -649.00K | 70.19M | -31.19M | -107.67M |
Balance Sheet | ||||||
| Total Assets | 902.17M | 938.76M | 884.20M | 947.01M | 1.09B | 1.86B |
| Cash, Cash Equivalents and Short-Term Investments | 241.70M | 305.43M | 238.21M | 258.14M | 277.17M | 381.16M |
| Total Debt | 92.04M | 92.29M | 90.83M | 176.25M | 336.11M | 500.78M |
| Total Liabilities | 472.74M | 506.64M | 454.95M | 536.59M | 747.59M | 1.50B |
| Stockholders Equity | 410.56M | 411.49M | 408.74M | 405.15M | 340.88M | 360.06M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 9.63M | -23.21M | 106.83M | -101.89M | -213.98M |
| Operating Cash Flow | 0.00 | 17.88M | -18.93M | 137.35M | -85.07M | -175.92M |
| Investing Cash Flow | 0.00 | -11.92M | -3.24M | -61.02M | -56.29M | -80.93M |
| Financing Cash Flow | 0.00 | 4.12M | 23.21M | -133.56M | -101.13M | 141.89M |
Huize Holding Technical Analysis
Positive
2.19
Price Trends
1.63
Positive
1.93
Negative
2.56
Negative
Market Momentum
<0.01
Negative
56.66
Neutral
56.44
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HUIZ, the sentiment is Positive. The current price of 2.19 is above the 20-day moving average (MA) of 1.64, above the 50-day MA of 1.63, and below the 200-day MA of 2.56, indicating a neutral trend. The MACD of <0.01 indicates Negative momentum. The RSI at 56.66 is Neutral, neither overbought nor oversold. The STOCH value of 56.44 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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% | |
60 Neutral | $18.09M | 2.52 | 4.56% | ― | 19.30% | -17.56% | |
59 Neutral | $55.86M | -2.11 | 3.57% | ― | -4.28% | -1.93% | |
40 Underperform | $24.66M | -0.16 | -135.15% | ― | -54.71% | -2544.97% | |
40 Underperform | $24.83M | -1.75 | -288.50% | ― | 37.29% | -396.13% |
* Financial Sector Average
HUIZ
Huize Holding
1.77
-0.40
-18.43%
EHTH
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1.76
-2.96
-62.71%
GOCO
GoHealth
0.75
-5.67
-88.32%
ZBAO
Zhibao Technology Inc. Class A
0.87
-0.25
-22.07%
Huize Holding Corporate Events
Huize Holding Posts Record 2025 Premiums and Third Straight Year of Non-GAAP Profit
Mar 27, 2026
On March 27, 2026, Huize reported unaudited results for the second half and full year ended December 31, 2025, highlighting record first year and gross written premiums of RMB4.63 billion and RMB7.43 billion, up 35.4% and 20.6% year-on-year. Reven...
Huize Holding COO Li Jiang to Step Down Effective March 13, 2026
Mar 6, 2026
Huize Holding Limited announced a senior management change on March 6, 2026, disclosing that Chief Operating Officer Li Jiang has resigned from his role and all other positions at the company and its subsidiaries for personal reasons, effective Ma...
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.