Huize Holding (HUIZ) AI Stock Analysis

• Market Cap: $22.09M
• Dividend Yield: N/A
• Average Volume (3M): 10.63K
• Price to Earnings (P/E): 8.8
• Beta (1Y): 0.60
• Revenue Growth: 19.30%
• EPS Growth: -17.56%
• Country: US
• Employees: 1,034
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Brokers
• EPS (TTM): N/A
• Shares Outstanding: 8,582,664
• 10 Day Avg. Volume: 5,715
• 30 Day Avg. Volume: 10,625
• PEG Ratio: 0.18
• Price to Book (P/B): 0.03
• Price to Sales (P/S): 0.00957
• P/FCF Ratio: -0.51
• Enterprise Value/Market Cap: -6.29
• Enterprise Value/Revenue: -0.10
• Enterprise Value/Gross Profit: -0.36
• Enterprise Value/Ebitda: -31.16
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 46 Neutral
• Price Target: $2.00 ▼(-15.97% Downside)

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.

Strong historical revenue growth metric

High revenue growth indicates sustained market demand for Huize’s digital insurance offerings and effective customer acquisition. Continued top-line expansion helps absorption of fixed costs, supports reinvestment in tech and product, and underpins medium-term scalability of margins if trends persist.

Lower financial leverage

Material reduction in leverage and a stronger equity ratio enhance financial flexibility and reduce refinancing risk. A healthier capital structure provides room for strategic investments or acquisitive moves and cushions the business during insurance-cycle fluctuations over the next several quarters.

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.

Negative free cash flow

A swing to negative free cash flow signals cash burn from operations or higher investments, limiting capacity to self-fund initiatives. Over months this pressure can force external financing, constrain IT/product investment, or require cost cuts that impair growth execution.

Return on equity collapse

A dramatic ROE decline indicates the company is currently destroying shareholder capital rather than generating returns. This structural deterioration reflects margin and profit issues that, if unchanged, undermine long-term investor returns and deter capital access for strategic initiatives.

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 whole life insurance products; and property and casualty insurance products, including travel, individual casualty, and corporate liability insurance products. It offers its products through internet and mobile internet channels. The company also provides digital and technology development, and Internet information consulting services; and management, marketing, investment, and financial consulting services. Huize Holding Limited was founded in 2006 and is headquartered in Shenzhen, the People's Republic of China.

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 insurance providers. Additionally, Huize may earn revenue through ancillary services, such as providing insurance consultancy and customer support. The company has established significant partnerships with numerous insurance carriers, enhancing its product offerings and contributing to its earnings by expanding its customer base and increasing policy sales.

Huize Holding Financial Statement Overview

Summary

Huize Holding faces significant financial challenges across all three verticals. The income statement shows declining profitability and efficiency, while the balance sheet reflects improved leverage but continued profitability issues. The cash flow statement indicates severe cash management problems.

Income Statement

Huize Holding's income statement highlights some significant challenges. The gross profit margin has decreased from 39.02% in 2023 to 30.47% in 2024, indicating a decline in profitability. The net profit margin has turned negative at -0.52% in 2024 from a positive 5.87% in 2023, reflecting a downturn in net income. Revenue growth was modest at 4.46% from 2023 to 2024. However, EBIT and EBITDA margins also saw a decline, with the EBIT margin dropping to -1.68% in 2024. These metrics suggest profitability issues and operational inefficiencies.

Balance Sheet

The balance sheet reveals mixed stability for Huize Holding. The debt-to-equity ratio improved to 0.22 in 2024 from 0.43 in 2023, indicating a decrease in leverage. Return on Equity (ROE) has significantly worsened, dropping to -0.16% in 2024 from 17.32% in 2023, signaling declining profitability. The equity ratio improved slightly to 46.22% in 2024 from 42.77% in 2023, showing a healthier capital structure. While leverage has decreased, the negative ROE highlights ongoing profitability concerns.

Cash Flow

Huize Holding's cash flow statement shows a worrying trend. Free cash flow has turned negative in 2024 at -23.21 million, compared to a positive 106.83 million in 2023, indicating cash flow difficulties. The operating cash flow to net income ratio is also negative in 2024, further emphasizing operational cash challenges. The free cash flow to net income ratio is alarming at -35.77 in 2024. These metrics suggest significant cash flow management issues.

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

• Technical Analysis Sentiment: Negative
• Last Price: 2.38
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Positive
• STOCH: Positive

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 2.38 is below the 20-day moving average (MA) of 3.00, below the 50-day MA of 3.25, and below the 200-day MA of 2.72, indicating a bearish trend. The MACD of -0.28 indicates Positive momentum. The RSI at 19.92 is Positive, neither overbought nor oversold. The STOCH value of 5.56 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for HUIZ.

Huize Holding Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
EHTH	58 Neutral	$126.44M	110.78	5.88%	―	16.79%	―
ZBAO	54 Neutral	$26.96M	-3.14	―	―	80.80%	―
HUIZ	46 Neutral	$22.09M	8.78	4.56%	―	19.30%	-17.56%
RELI	45 Neutral	$5.52M	-0.24	-146.43%	―	-6.84%	97.23%
GOCO	44 Neutral	$37.98M	-0.15	-142.05%	―	7.56%	-344.04%
TIRX	43 Neutral	$11.11M	-0.14	-11.18%	―	624.24%	85.46%

Huize Holding Corporate Events

Huize Holding Shifts to Semi-Annual Reporting and Posts Strong Premium Growth for Q3 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 financial results for the second half and full year 2025 expected in March 2026. Management framed the change as a move to free up resources for executing long-term strategic initiatives amid rapid technological change and intensifying competition, while affirming its commitment to maintaining clear, timely disclosure in line with U.S. SEC and Nasdaq requirements. As part of this transition, Huize released selected operating metrics for the third quarter and first nine months of 2025, showing solid growth in first year premiums and gross written premiums compared with 2024, stable renewal premiums over nine months, an expanding accumulated customer base and persistency ratios above 97%, underscoring business resilience even as new customer additions moderated in the third quarter.

The most recent analyst rating on (HUIZ) stock is a Hold with a $3.50 price target. To see the full list of analyst forecasts on Huize Holding stock, see the HUIZ Stock Forecast page.

Huize Holding Announces Annual General Meeting for December 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 to discuss company affairs with management. The record date for the meeting is set for December 5, 2025. This event underscores Huize’s commitment to transparency and stakeholder engagement, potentially impacting its industry positioning by fostering closer relationships with shareholders.

The most recent analyst rating on (HUIZ) stock is a Hold with a $3.50 price target. To see the full list of analyst forecasts on Huize Holding stock, see the HUIZ Stock Forecast page.