HUIZE HOLDING LTD-ADR(NASDAQ:HUIZ) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to HUIZ. HUIZ was compared to 144 industry peers in the Insurance industry. HUIZ has an excellent financial health rating, but there are some minor concerns on its profitability. While showing a medium growth rate, HUIZ is valued expensive at the moment.

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1. Profitability

1.1 Basic Checks

HUIZ had positive earnings in the past year.

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.

1.2 Ratios

HUIZ has a Return On Assets of 7.41%. This is amongst the best in the industry. HUIZ outperforms 91.55% of its industry peers.

HUIZ's Return On Equity of 17.32% is fine compared to the rest of the industry. HUIZ outperforms 71.83% of its industry peers.

HUIZ has a Return On Invested Capital of 7.30%. This is amongst the best in the industry. HUIZ outperforms 88.73% of its industry peers.

		Industry Rank	Sector 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

1.3 Margins

HUIZ has a Profit Margin of 5.87%. This is comparable to the rest of the industry: HUIZ outperforms 42.96% of its industry peers.

The Operating Margin of HUIZ (4.27%) is worse than 73.24% of its industry peers.

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 90.85% 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 Rank	Sector 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%

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

The number of shares outstanding for HUIZ has been reduced compared to 1 year ago.

Compared to 5 years ago, HUIZ has less shares outstanding

Compared to 1 year ago, HUIZ has an improved debt to assets ratio.

2.2 Solvency

An Altman-Z score of 2.54 indicates that HUIZ is not a great score, but indicates only limited risk for bankruptcy at the moment.

The Altman-Z score of HUIZ (2.54) is better than 92.96% of its industry peers.

HUIZ has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	N/A
Altman-Z	2.54

ROIC/WACC1.02

WACC7.13%

2.3 Liquidity

A Current Ratio of 1.53 indicates that HUIZ should not have too much problems paying its short term obligations.

With an excellent Current ratio value of 1.53, HUIZ belongs to the best of the industry, outperforming 88.73% of the companies in the same industry.

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 88.73% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	1.53
Quick Ratio	1.53

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 327.13% over the past year.

HUIZ shows a small growth in Revenue. In the last year, the Revenue has grown by 3.25%.

HUIZ shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 18.63% yearly.

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

The Earnings Per Share is expected to decrease by -17.54% on average over the next years. This is quite bad

Based on estimates for the next years, HUIZ will show a small growth in Revenue. The Revenue will grow by 3.40% on average per year.

EPS Next Y-68.82%

EPS Next 2Y-15.09%

EPS Next 3Y-17.54%

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

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 19.42, which indicates a rather expensive current valuation of HUIZ.

Compared to the rest of the industry, the Price/Earnings ratio of HUIZ indicates a slightly more expensive valuation: HUIZ is more expensive than 69.72% of the companies listed in the same industry.

HUIZ's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 29.53.

Based on the Price/Forward Earnings ratio of 15.79, the valuation of HUIZ can be described as correct.

61.27% of the companies in the same industry are cheaper than HUIZ, based on the Price/Forward Earnings ratio.

HUIZ is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.65, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	19.42
Fwd PE	15.79

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

A cheap valuation may be justified as HUIZ's earnings are expected to decrease with -17.54% in the coming years.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y-15.09%

EPS Next 3Y-17.54%

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5. Dividend

5.1 Amount

No dividends for HUIZ!.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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HUIZE HOLDING LTD-ADR

NASDAQ:HUIZ (2/24/2025, 8:00:01 PM)

3.69

-0.09 (-2.38%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)09-09 2024-09-09/bmo

Earnings (Next)N/A N/A

Inst Owners0.07%

Inst Owner Change-56.31%

Ins Owners1.11%

Ins Owner ChangeN/A

Market Cap183.01M

Analysts86.67

Price Target6.7 (81.57%)

Short Float %1.17%

Short Ratio0.15

Dividend

		Industry Rank	Sector 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)-8.37%

PT rev (3m)347.72%

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)27.85%

EPS NY rev (3m)539.23%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0%

Revenue NY rev (3m)0%

Valuation

		Industry Rank	Sector Rank
PE	19.42
Fwd PE	15.79
P/S	1.11
P/FCF	N/A
P/OCF	N/A
P/B	3.28
P/tB	3.75
EV/EBITDA	N/A

EPS(TTM)0.19

EY5.15%

EPS(NY)0.23

Fwd EY6.33%

FCF(TTM)N/A

FCFYN/A

OCF(TTM)N/A

OCFYN/A

SpS3.32

BVpS1.13

TBVpS0.98

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector 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 Rank	Sector 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	2.54

F-ScoreN/A

WACC7.13%

ROIC/WACC1.02

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-68.82%

EPS Next 2Y-15.09%

EPS Next 3Y-17.54%

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 Year0.06%

EBIT Next 3Y49.09%

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

HUIZE HOLDING LTD-ADR (HUIZ) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

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