Huize Holding Limited American Depositary Shares (HUIZ)

FairStock Score: 46/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a value investor, I look first at price versus conservative value and then at business quality. Huize is an online insurance broker in China, Hong Kong and internationally. It is tiny by market value: $16.7 million at the 2026-10-13 close of $1.32. The stock trades at 4.40 times earnings and 0.22 times book, both FairStock calculations from the provided data. The Graham Number is $1.70, implying a 22.35% margin of safety, and the Piotroski F-Score is a middling 5/9. Those are superficially Graham-like. The latest reported quarter, 2025-Q2, showed revenue of $396.7 million, net income of $10.9 million, and a 2.74% net margin. But the balance-sheet risk is severe: the Altman Z-Score is 0.11, and EV/EBITDA is -136.25. ROE is 5.34%, ROCE only 1.56%, so capital returns are weak. Debt/equity of 0.18 is not alarming, but low ROCE and negative EV/EBITDA suggest little economic moat. The business is an intermediary, not an underwriter, but insurers can change commissions, and online distribution is competitive. Growth data is not provided. With only one quarter and no three-year Lynch record, I cannot call it a proven compounder. At 0.22 times book, the market is pricing in doubt. If book value is real and earnings persist, it could be cheap; if not, it is a value trap.

In plain English: Huize sells insurance products online, mainly in China and Hong Kong. The business made a small profit on large revenue in its latest reported quarter, but one quarter does not prove the business is strong. The stock price looks low compared with its reported earnings and accounting value, though there are also signs of financial risk.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer