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HUIZE HOLDING LTD-ADR (HUIZ) Stock Fundamental Analysis

NASDAQ:HUIZ - Nasdaq - US44473E1055 - ADR

3.04  -0.07 (-2.25%)

Fundamental Rating

5

Overall HUIZ gets a fundamental rating of 5 out of 10. We evaluated HUIZ against 143 industry peers in the Insurance industry. HUIZ has an excellent financial health rating, but there are some minor concerns on its profitability. HUIZ is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year HUIZ was profitable.
In the past 5 years HUIZ reported 4 times negative net income.
The reported operating cash flow has been mixed in the past 5 years: HUIZ reported negative operating cash flow in multiple years.
HUIZ Yearly Net Income VS EBIT VS OCF VS FCFHUIZ Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2017 2018 2019 2020 2021 2022 2023 0 100M -100M -200M

1.2 Ratios

The Return On Assets of HUIZ (7.41%) is better than 88.65% of its industry peers.
HUIZ's Return On Equity of 17.32% is fine compared to the rest of the industry. HUIZ outperforms 73.05% of its industry peers.
With an excellent Return On Invested Capital value of 7.30%, HUIZ belongs to the best of the industry, outperforming 88.65% of the companies in the same industry.
Industry RankSector Rank
ROA 7.41%
ROE 17.32%
ROIC 7.3%
ROA(3y)-0.42%
ROA(5y)-1.57%
ROE(3y)-7.25%
ROE(5y)-8.74%
ROIC(3y)N/A
ROIC(5y)N/A
HUIZ Yearly ROA, ROE, ROICHUIZ Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2017 2018 2019 2020 2021 2022 2023 0 -500 -1K -1.5K

1.3 Margins

With a Profit Margin value of 5.87%, HUIZ perfoms like the industry average, outperforming 44.68% of the companies in the same industry.
With a Operating Margin value of 4.27%, HUIZ is not doing good in the industry: 73.05% of the companies in the same industry are doing better.
HUIZ's Operating Margin has declined in the last couple of years.
HUIZ has a Gross Margin of 37.35%. This is amongst the best in the industry. HUIZ outperforms 91.49% of its industry peers.
In the last couple of years the Gross Margin of HUIZ has remained more or less at the same level.
Industry RankSector Rank
OM 4.27%
PM (TTM) 5.87%
GM 37.35%
OM growth 3YN/A
OM growth 5Y-2.62%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y4.11%
GM growth 5Y-0.05%
HUIZ Yearly Profit, Operating, Gross MarginsHUIZ Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2017 2018 2019 2020 2021 2022 2023 0 20 -20

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8

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), HUIZ is creating some value.
HUIZ has less shares outstanding than it did 1 year ago.
The number of shares outstanding for HUIZ has been reduced compared to 5 years ago.
HUIZ has a better debt/assets ratio than last year.
HUIZ Yearly Shares OutstandingHUIZ Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M 40M 50M
HUIZ Yearly Total Debt VS Total AssetsHUIZ Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2017 2018 2019 2020 2021 2022 2023 500M 1B 1.5B

2.2 Solvency

HUIZ has an Altman-Z score of 2.28. This is not the best score and indicates that HUIZ is in the grey zone with still only limited risk for bankruptcy at the moment.
HUIZ's Altman-Z score of 2.28 is amongst the best of the industry. HUIZ outperforms 92.91% of its industry peers.
There is no outstanding debt for HUIZ. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z 2.28
ROIC/WACC1.03
WACC7.07%
HUIZ Yearly LT Debt VS Equity VS FCFHUIZ Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2017 2018 2019 2020 2021 2022 2023 0 200M -200M 400M

2.3 Liquidity

HUIZ has a Current Ratio of 1.53. This is a normal value and indicates that HUIZ is financially healthy and should not expect problems in meeting its short term obligations.
HUIZ's Current ratio of 1.53 is amongst the best of the industry. HUIZ outperforms 88.65% of its industry peers.
A Quick Ratio of 1.53 indicates that HUIZ should not have too much problems paying its short term obligations.
The Quick ratio of HUIZ (1.53) is better than 88.65% of its industry peers.
Industry RankSector Rank
Current Ratio 1.53
Quick Ratio 1.53
HUIZ Yearly Current Assets VS Current LiabilitesHUIZ Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2017 2018 2019 2020 2021 2022 2023 500M 1B

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4

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 327.13% over the past year.
Looking at the last year, HUIZ shows a small growth in Revenue. The Revenue has grown by 3.25% in the last year.
The Revenue has been growing by 18.63% on average over the past years. This is quite good.
EPS 1Y (TTM)327.13%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%81.4%
Revenue 1Y (TTM)3.25%
Revenue growth 3Y-0.68%
Revenue growth 5Y18.63%
Sales Q2Q%-8.67%

3.2 Future

HUIZ is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -26.11% yearly.
The Revenue is expected to grow by 3.40% on average over the next years.
EPS Next Y-75.61%
EPS Next 2Y-41.84%
EPS Next 3Y-26.11%
EPS Next 5YN/A
Revenue Next Year-13.16%
Revenue Next 2Y-2.06%
Revenue Next 3Y3.4%
Revenue Next 5YN/A

3.3 Evolution

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
HUIZ Yearly Revenue VS EstimatesHUIZ Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 500M 1B 1.5B 2B
HUIZ Yearly EPS VS EstimatesHUIZ Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 2 -2 4

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2

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 16.00 indicates a correct valuation of HUIZ.
HUIZ's Price/Earnings ratio is a bit more expensive when compared to the industry. HUIZ is more expensive than 60.28% of the companies in the same industry.
HUIZ is valuated rather cheaply when we compare the Price/Earnings ratio to 28.29, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 16.70 indicates a correct valuation of HUIZ.
HUIZ's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. HUIZ is more expensive than 63.12% of the companies in the same industry.
HUIZ's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 24.44.
Industry RankSector Rank
PE 16
Fwd PE 16.7
HUIZ Price Earnings VS Forward Price EarningsHUIZ Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
HUIZ Per share dataHUIZ EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 1 2 3

4.3 Compensation for Growth

HUIZ's earnings are expected to decrease with -26.11% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-41.84%
EPS Next 3Y-26.11%

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0

5. Dividend

5.1 Amount

No dividends for HUIZ!.
Industry RankSector Rank
Dividend Yield N/A

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HUIZE HOLDING LTD-ADR

NASDAQ:HUIZ (1/22/2025, 12:49:59 PM)

3.04

-0.07 (-2.25%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)09-09 2024-09-09/bmo
Earnings (Next)N/A N/A
Inst Owners0.15%
Inst Owner Change0%
Ins Owners0.94%
Ins Owner ChangeN/A
Market Cap150.77M
Analysts86.67
Price Target7.31 (140.46%)
Short Float %N/A
Short Ratio0.24
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)388.63%
PT rev (3m)298.15%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)104.72%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.51%
Valuation
Industry RankSector Rank
PE 16
Fwd PE 16.7
P/S 0.92
P/FCF N/A
P/OCF N/A
P/B 2.71
P/tB 3.1
EV/EBITDA N/A
EPS(TTM)0.19
EY6.25%
EPS(NY)0.18
Fwd EY5.99%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS3.31
BVpS1.12
TBVpS0.98
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 7.41%
ROE 17.32%
ROCE 9.24%
ROIC 7.3%
ROICexc 13.71%
ROICexgc 16.6%
OM 4.27%
PM (TTM) 5.87%
GM 37.35%
FCFM N/A
ROA(3y)-0.42%
ROA(5y)-1.57%
ROE(3y)-7.25%
ROE(5y)-8.74%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5Y-13.2%
ROICexc growth 3YN/A
ROICexc growth 5Y-16.12%
OM growth 3YN/A
OM growth 5Y-2.62%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y4.11%
GM growth 5Y-0.05%
F-ScoreN/A
Asset Turnover1.26
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.53
Quick Ratio 1.53
Altman-Z 2.28
F-ScoreN/A
WACC7.07%
ROIC/WACC1.03
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)327.13%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%81.4%
EPS Next Y-75.61%
EPS Next 2Y-41.84%
EPS Next 3Y-26.11%
EPS Next 5YN/A
Revenue 1Y (TTM)3.25%
Revenue growth 3Y-0.68%
Revenue growth 5Y18.63%
Sales Q2Q%-8.67%
Revenue Next Year-13.16%
Revenue Next 2Y-2.06%
Revenue Next 3Y3.4%
Revenue Next 5YN/A
EBIT growth 1Y216.69%
EBIT growth 3YN/A
EBIT growth 5Y15.53%
EBIT Next Year53.55%
EBIT Next 3Y13.04%
EBIT Next 5YN/A
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A