Huize Holding Limited (HUIZ) AI Stock Analysis
HUIZ AI stock analysis summary
AI ResearchHuize Holding Limited is a digital insurance brokerage based in Shenzhen, China, distributing life, health, and property and casualty insurance products. The company generated $1.54B in FY2025 revenue and holds $244.0M in cash and short-term investments against $81.5M in total debt. However, its stock has declined 54.4% over the past year amid low trailing profit margins of 1.7%.
- Market cap
- $17.5M
- Revenue (TTM)
- $1.62B
- P/E
- 6.0x
- 1Y return
- -54.4% S&P 500 16.8%
- Avg. target
- $2.92 68.5% vs last close
Bull case
- Huize Holding maintains a net cash position of $162.5M, supported by $244.0M in cash and short-term investments against $81.5M in total debt.
- FY2025 revenue expanded by 23.2% to $1.54B, returning the business to positive free cash flow of $9.6M.
- The sole analyst tracking the firm maintains a StrongBuy rating with a mean price target of $2.92, which is 68.5% above the last close of $1.73.
Bear case
- The stock has experienced significant long-term depreciation, falling 54.4% over the past year and 84.6% over 5 years.
- Trailing twelve-month net profit margin remained thin at 1.7%, while latest quarterly revenue declined 9.3% year-over-year.
- Consensus estimates expect current fiscal year EPS to fall 82.6% to $3.90 for the period ending December 31, 2026.
What Huize does
Huize Holding Limited is an insurance brokerage operating in the People's Republic of China. Established in 2006 and headquartered in Shenzhen, the company distributes insurance products using internet and mobile internet channels. Its offerings include life and health insurance products, such as critical illness policies, disease-specific coverage, and term or whole life plans, as well as property and casualty insurance solutions like travel insurance, individual casualty coverage, and corporate liability policies. In addition to insurance distribution, Huize Holding engages in digital and technology development, internet information consulting, and financial, management, marketing, and investment consulting services.
Growth and profitability
Huize Holding delivered a 5-year revenue CAGR of 4.8% from FY2020 through FY2025. Annual revenue shifted from $2.25B in FY2021 to $1.16B in FY2022, before recovering to $1.20B in FY2023, $1.25B in FY2024, and $1.54B in FY2025, representing 23.2% growth. Gross margin stood at 27.1% in FY2025, down from 39.0% in FY2023. Operating margin turned positive to 0.4% in FY2025, generating net income of $3.9M compared to -$649,000 in FY2024. Over the trailing twelve months, revenue was $1.62B with an operating margin of 3.0% and profit margin of 1.7%. For the latest quarter ended June 30, 2026, quarterly revenue fell 9.3% year-over-year while quarterly earnings grew 15.9%.
Balance sheet and cash flow
As of June 30, 2026, Huize Holding held $244.0M in cash and short-term investments and $81.5M in total debt, resulting in net cash of $162.5M. Total assets stood at $962.2M against shareholders' equity of $433.5M. The company reported a current ratio of 1.44 and a debt-to-equity ratio of 0.19. During FY2025, operating cash flow was $17.9M and capital expenditures were $8.2M, yielding free cash flow of $9.6M. Over 5 years, its share count changed by -99.0%.
Valuation and performance
Huize Holding closed at $1.73 on October 16, 2026, reflecting a market cap of $17.5M and an enterprise value of -$9.6M. The stock trades at a trailing P/E of 6.0x and price-to-book of 0.2x, compared to the median of its US-listed Financial Services peers of 12.1x and a forward P/E of 10.8x. Its EV/EBITDA stands at 103.6x versus the peer median of 11.7x, while its price-to-sales is 0.0x against the peer median of 3.2x. Over the past year, HUIZ dropped 54.4%, underperforming the SPY return of 16.8%, and declined 84.6% over 5 years.
What analysts expect
Wall Street coverage includes 1 analyst rating, categorized as 1 StrongBuy, with 0 Buy, 0 Hold, 0 Sell, and 0 StrongSell ratings. The mean price target is $2.92, representing a 68.5% premium to the last close of $1.73. For the fiscal year ending December 31, 2026, consensus estimates project revenue of $1.68B and EPS of $3.90, reflecting an EPS contraction of 82.6%. For the next fiscal year, 1 analyst projects revenue of $1.80B and EPS of $4.80. The company beat EPS estimates in 2 of the last 4 quarters.
Key risks and what to watch
- Quarterly top-line contraction is visible, as quarterly revenue dropped 9.3% year-over-year in the quarter ended June 30, 2026.
- Operating margins remain tight at 3.0% on a trailing twelve-month basis and 0.4% in FY2025, down from 4.3% in FY2023.
- Short interest represents 11.8% of the float, pointing to measurable market skepticism.
- Institutional ownership is limited at 0.4%, which may contribute to trading volatility for a stock with a $17.5M market capitalization.
AI-generated research summary. Written with AI from Quotelinks data as of October 16, 2026 and checked so every figure matches that data. For information only, not investment advice. Disclaimer
About this HUIZ AI stock analysis
This page is an AI-written research summary of Huize Holding Limited (HUIZ). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.
Related: HUIZ income statement, HUIZ balance sheet, HUIZ key metrics, HUIZ analyst forecast, HUIZ chart. See the HUIZ stock overview for the latest quote and news.
HUIZ AI stock analysis FAQ
What does Huize Holding Limited do?
Huize Holding Limited is a digital insurance brokerage founded in 2006 and based in Shenzhen, China. The company distributes life, health, and property and casualty insurance products across internet and mobile internet platforms, in addition to providing consulting and technology services.
Does Huize Holding Limited pay a dividend?
Huize Holding Limited does not currently report dividend payments.
What is Huize Holding's net cash position?
As of June 30, 2026, the company held $244.0M in cash and short-term investments and $81.5M in debt, resulting in a net cash position of $162.5M.
What are analysts forecasting for HUIZ?
The single covering analyst has a StrongBuy rating with a mean price target of $2.92. For the fiscal year ending December 31, 2026, consensus estimates project revenue of $1.68B and EPS of $3.90.