Want to see HUIZ full AI Analyst Report?
Top Page
Huize Holding
(NASDAQ:HUIZ)
Select Model
Select Model
Rating:66Neutral
Price Target:
$1.50
▼(-14.77% Downside)
Action:Reiterated
Date:08/21/26
The score is driven most by a steadier financial footing (deleveraged balance sheet and improved 2025 profitability/cash flow) but held back by thin, inconsistent margins and prior cash-flow volatility. Technicals are improving (price above key shorter moving averages with positive MACD), while valuation is a notable positive due to the very low P/E. Earnings call commentary supports the outlook with strong premium growth and efficiency gains, tempered by ongoing investment spend and regulatory risk.
Positive Factors
Premium and revenue growth
Strong growth in both facilitated premiums and first-year premiums indicates increasing customer acquisition and insurance demand through Huize’s platform. The breadth of growth supports future servicing economics and gives the company a larger base from which to compound revenue over the next several quarters.
Negative Factors
Thin profitability under heavy investment
Although Huize is profitable, the absolute earnings base remains modest and ongoing AI and R&D spending is compressing margins. Continued investment may build long-term capabilities, but it limits near-term earnings conversion and leaves profitability sensitive to execution and revenue growth.
Read all positive and negative factors
Positive Factors
Negative Factors
Premium and revenue growth
Strong growth in both facilitated premiums and first-year premiums indicates increasing customer acquisition and insurance demand through Huize’s platform. The breadth of growth supports future servicing economics and gives the company a larger base from which to compound revenue over the next several quarters.
Read all positive factors
Huize Holding (HUIZ) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$14.96M
Dividend YieldN/A
Average Volume (3M)3.90M
Price to Earnings (P/E)0.2
Beta (1Y)0.76
Revenue GrowthN/A
EPS GrowthN/A
CountryUS
Employees853
SectorFinancial
Sector Strength70
IndustryInsurance - Brokers
Share Statistics
EPS (TTM)53.48
Shares Outstanding8,600,164
10 Day Avg. Volume198,965
30 Day Avg. Volume3,895,767
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>-0.01
Enterprise Value/Revenue>-0.01
Enterprise Value/Gross Profit>-0.01
Enterprise Value/Ebitda>-0.01
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, 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 ...
How the Company Makes Money
Huize primarily makes money by distributing insurance products and earning fees tied to successfully placed policies and related services. Its core revenue model is based on: (1) commissions or service fees from insurance carriers for selling and ...
Huize Holding Earnings Call Summary
Earnings Call Date:Aug 20, 2026
(Q2-2026)
| % Change Since: |
Next Earnings Date:Mar 29, 2027
Earnings Call Sentiment Positive
The call conveyed strong top-line growth (record GWP and large FYP gains), improved operating efficiency and clear evidence of AI-driven engagement and productivity gains. International expansion is contributing incremental revenue and geographic diversification. Key challenges include ongoing sizable AI/R&D investments that compress near-term margins, certain international markets still ramping to profitability, and regulatory uncertainty around offshore product taxation that could affect demand. On balance, the positive growth, efficiency gains and progress on AI and international fronts outweigh the near-term margin and regulatory concerns.Positive Updates
Record GWP and Strong Premium Growth
Gross written premium (GWP) facilitated on the platform reached RMB 4.2 billion, a year-over-year increase of ~29.8% (reported as 30%). First-year premium (FYP) rose 48.7% YoY to RMB 2.76 billion, marking all-time highs for the company.
Negative Updates
Modest Absolute Net Profit and Margin Pressure
Although GAAP net profit improved to RMB 25.3 million, management noted the company’s net profit margin remains relatively low, driven by ongoing sizable AI and R&D investments (~USD 10 million last year and similar this year).
Read all updates
Q2-2026 Updates
Positive
Negative
Record GWP and Strong Premium Growth
Gross written premium (GWP) facilitated on the platform reached RMB 4.2 billion, a year-over-year increase of ~29.8% (reported as 30%). First-year premium (FYP) rose 48.7% YoY to RMB 2.76 billion, marking all-time highs for the company.
Read all positive updates
Company Guidance
Management guided that in the second half Huize will prioritize accelerating its AI-native strategy to drive customer experience, professional service and operating efficiency, deepen customer-driven product innovation (with emphasis on participating/savings, long‑term health and core protection franchises), and expand Poni Insurtech’s presence across key Asian markets using Hong Kong and Singapore as regional hubs while scaling existing international operations rather than opening new markets in the next 12–24 months; they also said they are unlikely to raise capital near‑term and will continue sizable AI investment (roughly USD 10M last year and this year). Key metrics underpinning that guidance include H1 GWP RMB 4.2 billion (+29.8% YoY), FYP RMB 2.76 billion (+48.7% YoY) with long‑term savings FYP ~RMB 2.0 billion (+>45%), long‑term health FYP RMB 204 million (+1.6x YoY), 2A FYP RMB 216 million (+44%), short‑term health & accident FYP RMB 376 million (+48%), total revenue RMB 720 million, GAAP net profit RMB 25.3 million, international revenue ~RMB 220 million (Vietnam GWP +45% and revenue +24%), cash RMB 241 million, operating expenses RMB 175 million (expense‑to‑income 24.2%), repurchase ratio 33.3%, 13th/25th‑month persistency >95%, cumulative customers ~13.1 million (net add ~789k H1), AI users +65% YTD with a 45% plan‑report generation rate, family plan generation <5 minutes, end‑to‑end AI claim processing within 1 hour (some in minutes), and average FYP ticket sizes reported at ~RMB 8,211 for long‑term insurance (+25% YoY) and RMB 140,500 for long‑term savings (+10.4% YoY).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 | 1.62B | 1.54B | 1.25B | 1.20B | 1.16B | 2.25B |
| Gross Profit | 442.93M | 416.69M | 380.63M | 466.48M | 423.62M | 554.26M |
| EBITDA | 36.51M | 29.68M | 15.31M | 64.68M | -25.25M | -106.99M |
| Net Income | 27.09M | 3.93M | -649.00K | 70.19M | -31.19M | -107.67M |
Balance Sheet | ||||||
| Total Assets | 962.19M | 938.76M | 884.20M | 947.01M | 1.09B | 1.86B |
| Cash, Cash Equivalents and Short-Term Investments | 243.97M | 305.43M | 238.21M | 258.14M | 277.17M | 381.16M |
| Total Debt | 81.45M | 92.29M | 90.83M | 176.25M | 336.11M | 500.78M |
| Total Liabilities | 513.12M | 506.64M | 454.95M | 536.59M | 747.59M | 1.50B |
| Stockholders Equity | 433.55M | 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
1.76
Price Trends
1.35
Positive
1.42
Positive
1.86
Negative
Market Momentum
0.05
Positive
55.20
Neutral
25.10
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 1.76 is above the 20-day moving average (MA) of 1.51, above the 50-day MA of 1.35, and below the 200-day MA of 1.86, indicating a neutral trend. The MACD of 0.05 indicates Positive momentum. The RSI at 55.20 is Neutral, neither overbought nor oversold. The STOCH value of 25.10 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)
HUIZ
Huize Holding
1.59
-1.24
-43.82%
EHTH
Ehealth
0.92
-3.14
-77.32%
ZBAO
Zhibao Technology Inc. Class A
0.15
-0.93
-86.23%
Huize Holding Corporate Events
Huize Holding Posts Record Premiums and Profit Surge in First Half of 2026
Aug 20, 2026
Huize Holding Limited reported strong unaudited results for the first half of 2026, with gross written premiums climbing 29.8% year-on-year to a record RMB4.2 billion and first-year premiums surging 48.7% to RMB2.8 billion. Total revenue grew 5.8%...
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.