Huize Holding Limited(HUIZ)Earnings, Financials & Key Ratios
HUIZ•NASDAQ•Insurance & Managed Care
$1.70
$861679 mkt cap·Price updated May 6, 2026
SectorFinancial ServicesIndustryInsurance BrokersSub-IndustryDigital insurance marketplaces and brokers
AboutHuize 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.Show more
- Revenue$1.25B+4.5%
- Combined Ratio101.68%+6.2%
- Net Income-$649K-100.9%
- Return on Equity-0.15%-100.8%
- Medical Cost Ratio69.52%+14.0%
- Operating Margin-1.68%-139.3%
- Net Margin-0.05%-100.9%
- ROA-0.07%-101.0%
- Equity / Assets48.55%+12.0%
- Book Value per Share846.80+410.7%
- Tangible BV/Share682.32+370.2%
- Debt/Equity0.21-50.7%
HUIZ Key Insights
Huize Holding Limited (HUIZ) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Share count reduced 79.5% through buybacks
- ✓Trading at only 0.0x book value
✗Weaknesses
- ✗Weak 3Y average ROE of 3.2%
- ✗Weak Piotroski F-Score: 3/9
- ✗Weak momentum: RS Rating 9 (bottom 9%)
- ✗Trading more than 30% below 52-week high
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
HUIZ Price & Volume
Huize Holding Limited (HUIZ) stock price & volume — 10-year historical chart
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HUIZ Growth Metrics
Huize Holding Limited (HUIZ) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years4.69%
3 Years-17.76%
TTM19.12%
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM-16.73%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM265.31%
Return on Capital
10 Years-236.41%
5 Years-4.79%
3 Years-0.72%
Last Year-4.11%
HUIZ Peer Comparison
Huize Holding Limited (HUIZ) competitors in Digital insurance marketplaces and brokers — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 ACMR | 3.67B | 55.38 | 40.42 | 15.24% | 10.44% | 6.11% | 0.16 | |
 EZGO | 1.37K | 0.15 | -0.00 | 12.42% | -41.28% | -31.35% | 0.22 | |
 FINV | 2.96B | 5.22 | 3.93 | 3.69% | 17.43% | 0.00 | ||
 CNF | 1.03M | 3.06 | -0.02 | -60.88% | -1.25% | 1.18 | ||
 QFIN | 3.9B | 13.75 | 2.24 | 5.38% | 28.76% | 0.07 | ||
 JFIN | 532.44M | 4.93 | 1.69 | 6.11% | 26.17% | 39.74% | 0.02 | |
 BABA | 341.64B | 141.48 | 17.99 | 5.86% | 12.19% | 11.24% | 0.23 | |
 GOCO | 12.75M | 1.01 | -1.53 | 8.74% | -26.96% | -64.38% | 1.15 |
Compare HUIZ vs Peers
Huize Holding Limited (HUIZ) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
HUIZ Income Statement
Huize Holding Limited (HUIZ) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 263.33M | 508.83M | 993.32M | 1.22B | 2.25B | 1.16B | 1.2B | 1.25B | 1.34B |
| Revenue Growth % | - | 93.23% | 95.22% | 22.84% | 83.98% | -48.42% | 3.25% | 4.46% | 19.12% |
| Medical Costs & Claims | 166.67M | 318.3M | 631.37M | 816.35M | 1.69B | 734.29M | 729.07M | 868.29M | 951.98M |
| Medical Cost Ratio % | 63.29% | 62.56% | 63.56% | 66.9% | 75.31% | 63.42% | 60.98% | 69.52% | 71.25% |
| Gross Profit | 96.66M▲ 0% | 190.53M▲ 97.1% | 361.95M▲ 90.0% | 403.87M▲ 11.6% | 554.26M▲ 37.2% | 423.62M▼ 23.6% | 466.48M▲ 10.1% | 380.63M▼ 18.4% | 384.2M▲ 0% |
| Gross Margin % | 36.71% | 37.44% | 36.44% | 33.1% | 24.69% | 36.58% | 39.02% | 30.48% | 28.75% |
| Gross Profit Growth % | - | 97.1% | 89.97% | 11.58% | 37.24% | -23.57% | 10.12% | -18.4% | - |
| Operating Expenses | 196.96M | 165.73M | 360.31M | 429.78M | 668.67M | 467.29M | 415.44M | 401.58M | 383.15M |
| OpEx / Revenue % | 74.8% | 32.57% | 36.27% | 35.22% | 29.78% | 40.36% | 34.75% | 32.15% | 28.68% |
| Depreciation & Amortization | 3.56M | 3.08M | 3.78M | 5.11M | 7.42M | 18.43M | 13.64M | 36.27M | 3.41M |
| Combined Ratio % | 138.09% | 95.13% | 99.83% | 102.12% | 105.1% | 103.77% | 95.73% | 101.68% | 99.92% |
| Operating Income | -100.3M▲ 0% | 24.79M▲ 124.7% | 1.64M▼ 93.4% | -25.91M▼ 1680.9% | -114.41M▼ 341.6% | -43.67M▲ 61.8% | 51.04M▲ 216.9% | -20.96M▼ 141.1% | 1.05M▲ 0% |
| Operating Margin % | -38.09% | 4.87% | 0.17% | -2.12% | -5.1% | -3.77% | 4.27% | -1.68% | 0.08% |
| Operating Income Growth % | - | 124.72% | -93.39% | -1680.9% | -341.55% | 61.83% | 216.87% | -141.06% | - |
| EBITDA | -96.74M | 27.87M | 5.42M | -20.8M | -106.99M | -25.25M | 64.68M | 15.31M | 4.46M |
| EBITDA Margin % | -36.74% | 5.48% | 0.55% | -1.7% | -4.77% | -2.18% | 5.41% | 1.23% | 0.33% |
| Interest Expense | 0 | 27.11M | 190K | 1.16M | 3.21M | 5.06M | 630K | 0 | 0 |
| Non-Operating Income | -2.67M | -4.21M | -13.76M | 0 | 0 | 0 | 0 | 0 | 0 |
| Pretax Income | -96.64M▲ 0% | 3.21M▲ 103.3% | 15.03M▲ 368.7% | -16.52M▼ 210.0% | -107.72M▼ 551.9% | -33.74M▲ 68.7% | 70.55M▲ 309.1% | 701K▼ 99.0% | 16.85M▲ 0% |
| Pretax Margin % | -36.7% | 0.63% | 1.51% | -1.35% | -4.8% | -2.91% | 5.9% | 0.06% | 1.26% |
| Income Tax | 406K | 278K | 57K | 1.77M | 0 | 0 | 0 | 135K | 1.6M |
| Effective Tax Rate % | -0.42% | 8.67% | 0.38% | -10.7% | 0% | 0% | 0% | 19.26% | 9.51% |
| Net Income | -97.17M▲ 0% | 3.15M▲ 103.2% | 14.9M▲ 372.8% | -18.29M▼ 222.7% | -107.67M▼ 488.6% | -31.19M▲ 71.0% | 70.19M▲ 325.1% | -649K▼ 100.9% | 18.08M▲ 0% |
| Net Margin % | -36.9% | 0.62% | 1.5% | -1.5% | -4.8% | -2.69% | 5.87% | -0.05% | 1.35% |
| Net Income Growth % | - | 103.24% | 372.78% | -222.75% | -488.6% | 71.03% | 325.06% | -100.92% | -16.73% |
| EPS (Diluted) | -87.20▲ 0% | 1.38▲ 101.6% | 5.80▲ 320.3% | -7.60▼ 231.0% | -32.60▼ 328.9% | -5.40▲ 83.4% | 140.00▲ 2692.6% | -1.28▼ 100.9% | 35.84▲ 0% |
| EPS Growth % | - | 101.58% | 320.29% | -231.03% | -328.95% | 83.44% | 2692.59% | -100.91% | 265.31% |
| EPS (Basic) | -95.80 | 1.39 | 5.80 | -7.60 | -34.00 | -5.40 | 140.00 | -1.28 | - |
| Diluted Shares Outstanding | 1.11M | 2.28M | 2.57M | 2.41M | 2.55M | 2.55M | 2.48M | 506.9K | 504.43K |
HUIZ Balance Sheet
Huize Holding Limited (HUIZ) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|
| Total Assets | 165.78M | 334.08M | 508.81M | 1.34B | 1.86B | 1.09B | 947.01M | 884.2M | 902.17M |
| Asset Growth % | - | 101.53% | 52.3% | 162.57% | 39.03% | -41.34% | -13.09% | -6.63% | -15.62% |
| Total Investment Assets | 17.77M | 21.57M | 23.39M | 46.08M | 73M | 77.31M | 85.57M | 71.72M | 4M |
| Long-Term Investments | 17.77M | 21.57M | 23.39M | 46.08M | 73M | 77.31M | 76.69M | 66.72M | 268.67M |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 8.88M | 5M | 3.2M |
| Total Current Assets | 138.43M | 300.99M | 461.52M | 1.01B | 1.42B | 750.74M | 606.46M | 599.01M | 635.8M |
| Cash & Equivalents | 12.26M | 6.64M | 88.14M | 404.62M | 381.16M | 277.17M | 249.26M | 233.21M | 238.5M |
| Receivables | 73.7M | 117.58M | 182.72M | 234.78M | 778.48M | 374.65M | 299.87M | 269.61M | 1.27B |
| Other Current Assets | 52.47M | 176.77M | 25.83M | 1.36M | 6.45M | 228.5M | 48.45M | 62.04M | 43.85M |
| Goodwill & Intangibles | 1.21M | 1.2M | 1.65M | 2.49M | 22.09M | 53.96M | 51.2M | 83.38M | 329.99M |
| Goodwill | 0 | 0 | 0 | 461K | 461K | 461K | 461K | 14.54M | 14.07M |
| Intangible Assets | 1.21M | 1.2M | 1.65M | 2.03M | 21.63M | 53.5M | 50.74M | 68.84M | 66.8M |
| PP&E (Net) | 8.37M | 6.35M | 8.01M | 277.6M | 296.28M | 200.7M | 170.05M | 67.8M | 58.49M |
| Other Assets | 0 | 3.83M | 14.16M | 838K | 44.8M | 6.91M | 42.6M | 67.3M | 65.39M |
| Total Liabilities | 551.15M | 297.55M | 817.46M | 867.29M | 1.5B | 747.59M | 536.59M | 454.95M | 472.74M |
| Total Debt | 23.03M | 48.87M | 36.88M | 350.27M | 500.78M | 336.11M | 176.25M | 90.83M | 92.04M |
| Net Debt | 10.77M | 42.23M | -51.26M | -54.35M | 119.62M | 58.94M | -73.01M | -142.38M | -146.46M |
| Long-Term Debt | 23.03M | 15.8M | 0 | 53.86M | 20M | 0 | 0 | 0 | 6.99M |
| Short-Term Debt | 0 | 33.06M | 36.88M | 31.54M | 216.71M | 150M | 30M | 50M | 53M |
| Total Current Liabilities | 160.65M | 281.17M | 361.78M | 556.57M | 1.22B | 559.07M | 395.04M | 415.35M | 429.23M |
| Accounts Payable | 117.15M | 16.94M | 57.05M | 138.41M | 527.93M | 188.56M | 249.42M | 258.1M | 288.84M |
| Deferred Revenue | 0 | 5.54M | 0 | 0 | 7.24M | 6.43M | 4.16M | 0 | 0 |
| Other Current Liabilities | 137.1M | 4.29M | 5.02M | 6.78M | 270.54M | 109.78M | 9.59M | 2.81M | 0 |
| Deferred Taxes | 248K | 575K | 530K | 605K | 1000K | 1000K | 1000K | 1000K | 59.48M |
| Other Liabilities | 367.23M | 575K | 455.14M | 4.16M | 225K | 0 | 12.25M | 649K | 5.53M |
| Total Equity | -385.37M▲ 0% | 36.53M▲ 109.5% | -308.65M▼ 944.8% | 468.68M▲ 251.8% | 360.91M▼ 23.0% | 342.02M▼ 5.2% | 410.42M▲ 20.0% | 429.24M▲ 4.6% | 429.43M▲ 0% |
| Equity Growth % | - | 109.48% | -944.81% | 251.85% | -22.99% | -5.23% | 20% | 4.59% | 22.32% |
| Shareholders Equity | -386.1M | 35.99M | -308.65M | 468.68M | 360.06M | 340.88M | 405.15M | 408.74M | 410.56M |
| Minority Interest | 734K | 542K | 0 | 0 | 849K | 1.15M | 5.26M | 20.5M | 18.87M |
| Retained Earnings | -392.04M | -388.88M | -373.98M | -392.27M | -499.94M | -531.13M | -458.24M | -458.89M | -456.6M |
| Common Stock | 31K | 62K | 33K | 72K | 72K | 72K | 72K | 73K | 73K |
| Accumulated OCI | -367.23M | 295K | 414K | -21.97M | -27.3M | -17.7M | -14.06M | -12.86M | -13.33M |
| Return on Equity (ROE) | - | 8.63% | - | -22.86% | -25.96% | -8.87% | 18.66% | -0.15% | 4.21% |
| Return on Assets (ROA) | -58.62% | 1.26% | 3.54% | -1.98% | -6.74% | -2.12% | 6.89% | -0.07% | 2% |
| Equity / Assets | -232.46% | 10.94% | -60.66% | 35.08% | 19.43% | 31.39% | 43.34% | 48.55% | 47.6% |
| Debt / Equity | - | 1.34x | - | 0.75x | 1.39x | 0.98x | 0.43x | 0.21x | 0.21x |
| Book Value per Share | -346.19 | 16.04 | -120.29 | 194.51 | 141.28 | 133.87 | 165.81 | 846.80 | 851.32 |
| Tangible BV per Share | -347.27 | 15.51 | -120.93 | 193.48 | 132.63 | 112.75 | 145.12 | 682.32 | 691.00 |
HUIZ Cash Flow Statement
Huize Holding Limited (HUIZ) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | -85.35M | 66.85M | 118.02M | 137.67M | -175.92M | -85.07M | 137.35M | -18.93M | -18.93M |
| Operating CF Growth % | - | 178.33% | 76.54% | 16.64% | -227.79% | 51.64% | 261.46% | -113.78% | 0% |
| Operating CF / Revenue % | -32.41% | 13.14% | 11.88% | 11.28% | -7.84% | -7.35% | 11.49% | -1.52% | -1.42% |
| Net Income | -97.05M | 2.93M | 14.97M | -18.29M | -107.72M | -33.74M | 70.19M | 566K | 18.08M |
| Depreciation & Amortization | 3.56M | 3.08M | 3.78M | 13.52M | 40.37M | 46.22M | 39.32M | 36.27M | 0 |
| Stock-Based Compensation | 811K | 967K | 94.96M | 35.88M | 11.36M | 8.16M | 463K | 9.02M | 302K |
| Deferred Taxes | 239K | 190K | 20K | -466K | 3.98M | 0 | 0 | 0 | 0 |
| Other Non-Cash Items | -1.69M | 26.53M | -84K | 8.18M | 11M | 13.16M | 188K | -14.38M | -18.38M |
| Working Capital Changes | 8.77M | 33.16M | 4.38M | 98.85M | -134.9M | -118.87M | 27.19M | -50.4M | 0 |
| Cash from Investing | 57.77M | -3.55M | -6.93M | -31.08M | -80.93M | -56.29M | -61.02M | -3.24M | 0 |
| Capital Expenditures | -2.64M | -1.14M | -6.04M | -8.2M | -38.06M | -16.82M | -30.52M | -4.28M | 0 |
| Acquisitions | 0 | 0 | 0 | -569K | -14.29M | -22.32M | -2.44M | 1.88M | 0 |
| Purchase of Investments | -6.78M | -2.5M | -2M | -22.45M | -33.61M | -10M | -9.97M | -73.33M | 0 |
| Sale/Maturity of Investments | 1000K | 0 | 0 | 0 | 1000K | 700K | 874K | 1000K | 0 |
| Other Investing | 247K | 85K | 1.11M | 137K | 1.22M | -7.84M | -18.96M | -5.71M | 0 |
| Cash from Financing | 22.99M | 48.57M | -14.08M | 383.05M | 141.89M | -101.13M | -133.56M | 23.21M | 0 |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | 0 | 0 | 0 | -2.06M | -3M | -6.66M | -13.39M | -77K | 0 |
| Stock Issued | 0 | 0 | 0 | 340.48M | 0 | 0 | 0 | 0 | 0 |
| Debt Issuance (Net) | 1000K | 1000K | -1000K | 1000K | 1000K | -1000K | -1000K | 1000K | 0 |
| Other Financing | -217K | 0 | 0 | 503K | 1.4M | 2.85M | 4.31M | 3.7M | 0 |
| Net Change in Cash | -4.83M▲ 0% | 111.99M▲ 2419.6% | 97.06M▼ 13.3% | 479.62M▲ 394.2% | -119.96M▼ 125.0% | -232.9M▼ 94.1% | -54.31M▲ 76.7% | 3.2M▲ 105.9% | 0▲ 0% |
| Exchange Rate Effect | -234K | 120K | 38K | -1000K | -1000K | 1000K | 1000K | 1000K | 0 |
| Cash at Beginning | 45.11M | 40.28M | 152.27M | 249.33M | 728.95M | 608.98M | 376.08M | 321.77M | 0 |
| Cash at End | 40.28M | 152.27M | 249.33M | 728.95M | 608.98M | 376.08M | 321.77M | 324.97M | 0 |
| Free Cash Flow | -87.99M▲ 0% | 65.71M▲ 174.7% | 111.99M▲ 70.4% | 129.47M▲ 15.6% | -213.98M▼ 265.3% | -101.89M▲ 52.4% | 106.83M▲ 204.8% | -23.21M▼ 121.7% | 0▲ 0% |
| FCF Growth % | - | 174.68% | 70.42% | 15.61% | -265.27% | 52.38% | 204.85% | -121.73% | - |
| FCF Margin % | -33.41% | 12.91% | 11.27% | 10.61% | -9.53% | -8.8% | 8.94% | -1.86% | 0% |
| FCF per Share | -79.04 | 28.85 | 43.65 | 53.73 | -83.76 | -39.88 | 43.16 | -45.79 | -45.79 |
HUIZ Key Ratios
Huize Holding Limited (HUIZ) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM |
|---|---|---|---|---|---|---|---|---|
| Combined Ratio | 95.13% | 99.83% | 102.12% | 105.1% | 103.77% | 95.73% | 101.68% | 99.92% |
| Medical Cost Ratio | 62.56% | 63.56% | 66.9% | 75.31% | 63.42% | 60.98% | 69.52% | 71.25% |
| Return on Equity (ROE) | 8.63% | - | -22.86% | -25.96% | -8.87% | 18.66% | -0.15% | 4.21% |
| Return on Assets (ROA) | 1.26% | 3.54% | -1.98% | -6.74% | -2.12% | 6.89% | -0.07% | 2% |
| Equity / Assets | 10.94% | -60.66% | 35.08% | 19.43% | 31.39% | 43.34% | 48.55% | 47.6% |
| Book Value / Share | 16.04 | -120.29 | 194.51 | 141.28 | 133.87 | 165.81 | 846.8 | 851.32 |
| Debt / Equity | 1.34x | - | 0.75x | 1.39x | 0.98x | 0.43x | 0.21x | 0.21x |
| Revenue Growth | 93.23% | 95.22% | 22.84% | 83.98% | -48.42% | 3.25% | 4.46% | 19.12% |
HUIZ Frequently Asked Questions
Huize Holding Limited (HUIZ) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Huize Holding Limited (HUIZ) grew revenue by 4.5% over the past year. Growth has been modest.
Yes, Huize Holding Limited (HUIZ) is profitable, generating $18.1M in net income for fiscal year 2024 (-0.1% net margin).
Dividend & Returns
Huize Holding Limited (HUIZ) has a return on equity (ROE) of -0.2%. Negative ROE indicates the company is unprofitable.
Industry Metrics
Huize Holding Limited (HUIZ) has a combined ratio of 101.7%. A ratio above 100% means claims and expenses exceed premiums.
Explore More HUIZ
Huize Holding Limited (HUIZ) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
Historical returns with dividends reinvested
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Dividend History
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Earnings History
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Revenue History
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Financial Ratios
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Valuation
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