Huize Holding Limited
HUIZ · Price history
Price at last available close
$2.16
+$0.86 (+66.15%) 1M
2026-10-27
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Company & revenue
About Huize Holding Limited
Primary reporting period: 2025-12-31 · Research updated Oct 13, 2026. A research update is not a new financial filing.
Who they are
Huize Holding Limited, operating with its various subsidiaries, functions as an insurance brokerage enterprise across the People's Republic of China. The firm presents a comprehensive array of insurance solutions to its clientele. These offerings span life and health policies, including coverage for critical illnesses, general diseases, and both term and permanent life insurance plans.
How they make money
Huize operates as an independent insurance intermediary platform that connects consumers with insurance carriers. The company generates revenue primarily through brokerage commissions earned from insurance companies for distributing life, health, and property-casualty insurance products, while leveraging data-driven and AI-powered solutions to manage the insurance lifecycle.
Products & services
The company offers a wide spectrum of insurance products including long-term life and health insurance (such as annuity, endowment, and critical illness policies) and property-casualty insurance, supported by digital services for underwriting, policy management, and claims settlement.
Brands & revenue mix
The primary brand under which the company operates its online insurance business.
Separate brand revenue is not available in this research.Source
Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.
Product / operating segments
Period ended 2025-12-31Source
Period ended 2025-12-31Source
Calculated from reported segment revenue. Check the source period and revenue basis before comparing shares. Categories can overlap and may not add to 100%.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer types
- Mass affluent consumersSource
Customer concentration
The company does not disclose specific customer concentration figures in its 2025 annual report.
Suppliers, materials & equipment
- Insurance Carriers — Various insurance companies that provide the underlying insurance products distributed by Huize; the specific names of these carriers are not disclosed as a consolidated list.Source
Strengths
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
73
Strong
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
58
Fair
Financial Strength
71
Business Quality / Moat
58
Management
67
Growth Quality
40
Risk / Durability
29
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
81
Attractive
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
76/100
Building Historical Record
Model Score 76/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is strong across its combined quality, valuation and risk inputs. Review Company Quality separately to assess the business without its share price.
At today’s price, the WSS valuation framework currently reads as relatively attractive.
The model outlook is currently positive.
- •Strong overall Wall Street Score
- •Balance-sheet / debt profile scores strongly
- •Valuation scores attractively
- •Insider activity signal is favorable
No material warning is currently being highlighted from the available summary data.
Company-specific research
Questions worth answering for HUIZ
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •Can HUIZ maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
- •Is HUIZ's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •How is HUIZ likely to use its cash advantage: reinvestment, acquisitions, debt reduction, dividends or buybacks?
- •Is HUIZ's valuation discount tied to a temporary concern or to a longer-term business risk?
Essential Investment Snapshot
Wall Street Score
73
Opportunity Score
81
Market Cap
$929K
P/E Ratio
0.2
EPS
$7.96
52-Week High
$4.17
52-Week Low
$1.04
Beta
0.99
Intrinsic Value
$226.14
Shares Outstanding
505K
Total Revenue
$241.4M
Total Debt
$12.1M
Dividend
No current dividend
Liquidation Value / Share
$132.50
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Building upward momentum
Extreme movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Community Sentiment
0 active · 0 total callsNo personal call yet on HUIZ.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Proprietary AI-powered solutions for customer acquisition and operational efficiency.
- +Online-to-offline integrated insurance ecosystem.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Key risks may include competition, margin pressure, debt levels, valuation risk, and changes in demand within the Insurance - Brokers industry.
- −Dependence on insurance carriers for product supply and commission payments.
- −Regulatory changes in the Chinese insurance and internet technology sectors.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
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Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
3 historical score records availablePrevious Score
69
Aug 14, 2026
Change
+3.8
points
Current Score
73
Oct 1, 2026
Category Changes
HUIZ increased 3.8 points because Revenue improved by 3.1 points, Management improved by 19.8 points, Valuation improved by 15 points.
Positive Contributors
- + Revenue improved by 3.1 points
- + Management improved by 19.8 points
- + Valuation improved by 15 points
- + Buffett improved by 5.1 points
Projected Score
Projected Score
75
Projected Change
+2.4 points
Preliminary comparable-period financial changes suggest improvement of approximately 2.4 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
Review model assumptionsThis model estimate is more than three times the share price.
For insurers, earnings can vary sharply with claims and investment gains. Review normalized earnings and book value before relying on this growth-based estimate.
Stored EPS: $7.96 · Growth assumption: 13.5% · Earnings multiplier: 35.4×.
Current Price
$2.16
Model Intrinsic Value
$226.14
Difference
−$223.98
-99.0% vs IV
Margin of Safety
99.0%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $241.4M | $229.1M | $185.9M | $178.0M | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $175.5M | $167.1M | $129.3M | $108.5M | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $65.9M | $62.0M | $56.7M | $69.4M | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $9.1M | $8.7M | $9.3M | $10.7M | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $52.3M | $53.1M | $50.5M | $47.8M | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $62.5M | $61.1M | $59.8M | $61.9M | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | $5.4M | $4.4M | $2.3M | $9.6M | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $3.5M | $964K | -$3.1M | $7.6M | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $0.00 | $0.00 | $0.00 | $94K | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | $5.3M | $1.6M | $104K | $10.5M | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $1.8M | $1.0M | $20K | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | $4.0M | $585K | -$97K | $10.4M | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $7.96 | $1.16 | $-0.19 | $20.84 | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 507K | 505K | 507K | 2.48M | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 507K | 505K | 507K | 2.48M | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$53.6M
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$3.72
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
-11.5%
Cash Change
+1.2%
Margin Change
+0.8 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Margins expanded
- Cash position grew
- Debt reduced
Potential Score Impact
Positive indicators included EPS growth, cash levels, debt levels, net income margin. Pressure indicators included revenue growth. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue declined 9.3%. EPS increased 15.7%. Cash increased 1.2%. Total debt declined 11.5%. Net income margin improved by 0.8 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
Smart Money
Number of Gurus
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Dividend data is not available yet. Missing data does not mean this company pays no dividend.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
3 historical recordsHistorical Score Chart
3 of 3 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
Related Companies
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Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
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