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HUIZ

Huize Holding Limited

HUIZ

Huize Holding Limited • NASDAQ
$3.37 ▼ -1.46% (-0.05)
Market Cap $1.70 M
52w High $10.58
52w Low $1.50
Dividend Yield 0%
P/E 12.04
Volume 430
Outstanding Shares 504.43K

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q2-2025 $396.746M ▲ $94.683M ▲ $10.876M ▲ 2.741% ▲ $21.6 ▲ $14.302M ▲
Q1-2025 $283.789M ▼ $82.696M ▼ $-8.587M ▼ -3.026% ▼ $-17 ▼ $-9.39M ▲
Q4-2024 $285.953M ▼ $116.349M ▲ $-2.861M ▼ -1.001% ▼ $-5.6 ▼ $-17.156M ▼
Q3-2024 $369.698M ▲ $89.426M ▼ $18.653M ▲ 5.045% ▲ $36.8 ▲ $16.705M ▲
Q2-2024 $282.951M $114.593M $-23.349M -8.252% $-9.4 $-24.534M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q2-2025 $241.703M ▲ $902.171M ▲ $472.741M ▲ $410.559M ▲
Q1-2025 $204.845M ▼ $860.86M ▼ $440.588M ▼ $400.706M ▼
Q4-2024 $238.207M ▼ $884.198M ▼ $454.954M ▼ $408.74M ▼
Q3-2024 $249.462M ▲ $1.006B ▲ $578.944M ▲ $409.858M ▲
Q2-2024 $241.382M $931.935M $534.803M $389.801M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q2-2025 $10.876M ▲ $0 $0 $0 $0 $0
Q1-2025 $-8.587M ▼ $0 $0 $0 $0 $0
Q4-2024 $-2.861M ▼ $0 $0 $0 $0 $0
Q3-2024 $18.653M ▲ $0 $0 $0 $0 $0
Q2-2024 $-23.349M $0 $0 $0 $0 $0

Five-Year Company Overview

Income Statement

Income Statement Huize’s revenue has been reasonably steady after a big spike a few years ago, with more recent years showing slow, gradual growth rather than rapid expansion. Profitability, however, is still fragile. The company has swung between small losses and small profits, which suggests a business model that operates on thin margins and is sensitive to changes in volume and costs. Gross profit looks healthy enough for an online platform, but operating profit and net income have not yet settled into a consistently positive pattern. Per‑share results also look volatile, likely reflecting both small absolute profit swings and past capital structure changes. Overall, the income statement tells a story of a company that is edging toward sustainable profitability but has not fully proven that it can earn steady, durable profits through a full cycle.

Balance Sheet

Balance Sheet The balance sheet has become leaner over time. Total assets have come down from earlier peaks, and cash on hand is lower than it used to be, which means the financial cushion is not as thick as in the past. On the positive side, debt has been reduced significantly from earlier levels, so the company now looks less leveraged and less exposed to lenders. Shareholders’ equity has held roughly stable, which suggests that while the company has tightened its balance sheet, it has not been burning through its capital base. In simple terms, Huize appears more conservatively financed than before, but with less buffer to absorb shocks or fund aggressive expansion purely from its existing resources.

Cash Flow

Cash Flow Cash generation has been uneven. Some years, the core business has produced solid cash inflows; other years it has used up cash, including the most recent period, where operating cash flow slipped modestly into negative territory again. Free cash flow follows the same stop‑start pattern, though capital spending itself is quite light, which fits an asset‑light, technology platform model. This means Huize does not need heavy investment in physical assets, but its ability to fund growth and innovation mainly depends on how reliably the core operations can generate cash. The inconsistent track record here is a key risk marker: the business model is promising, yet not consistently self‑funding.

Competitive Edge

Competitive Edge Huize operates in a very competitive space but has carved out a clear niche. Its focus on long‑term life and health insurance, rather than simple short‑term policies, helps it build deeper customer relationships and differentiates it from many online rivals. Its long history in the market and recognizable brand in China add trust in a sector where credibility matters a lot. The company’s multi‑channel distribution—direct online, partnerships with other businesses, and agent‑driven channels—broadens its reach and makes it a valuable partner for many insurers. At the same time, Huize faces intense competition from traditional insurers, other insurtech platforms, and large tech companies. It also relies heavily on its partner insurers for products and underwriting, and it operates under a regulatory environment that can change. The moat is meaningful but not unassailable; maintaining it will depend on execution and ongoing innovation.

Innovation and R&D

Innovation and R&D Innovation is the core of Huize’s identity. It has woven artificial intelligence and big data into nearly every part of its platform, from customer acquisition and product recommendations to claims assistance and internal productivity tools. The integration of advanced language models into its app is designed to make insurance advice more personalized and immediate, while also making employees far more productive. A major strength is its ability to co‑design specialized products with insurers—such as targeted medical, annuity, and critical illness policies—which are exclusive or highly tailored to its channels. This product customization reinforces customer stickiness and partner loyalty. Looking ahead, Huize is pushing its technology and product playbook into Southeast Asia through its Poni Insurtech brand and acquisitions such as its stake in a Vietnamese platform. This international expansion, combined with deeper AI tools for both consumers and agents, offers meaningful upside but also adds execution, regulatory, and localization risk. The company is clearly positioned as an innovator, but it must continue investing and adapting to keep that edge.

Summary

Huize comes across as a technology‑driven insurance platform with a clear strategic focus and an emerging, but still unproven, financial profile. Revenue has stabilized and is now inching upward, while profitability and cash flow remain uneven and sensitive, indicating that the economic model is still maturing. The balance sheet is lighter and less leveraged than in the past, which lowers financial risk but also means the company leans more on its ability to generate cash and on external funding options for growth. Competitively, Huize benefits from specialization in long‑term life and health products, strong insurer partnerships, a recognized brand, and a sophisticated digital platform. Its heavy emphasis on AI, data‑driven product design, and international expansion into Southeast Asia opens attractive growth avenues but comes with notable execution and regulatory uncertainties. Overall, Huize looks like a focused insurtech player with meaningful strategic strengths and innovation capabilities, balanced by financial volatility and the usual risks of operating in a fast‑changing, highly competitive insurance and technology landscape.

NEWS

November 26, 2025 · 4:00 AM UTC

Huize Holding Limited to Hold Annual General Meeting on December 17, 2025

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October 2, 2025 · 5:00 AM UTC

Huize Holding Limited Announces Resignation of an Independent Director

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September 17, 2025 · 5:00 AM UTC

Huize Holding Limited (NASDAQ: HUIZ) Secures MAS Licence in Singapore For Poni, Advancing its Dual-Hub Strategy

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September 12, 2025 · 5:00 AM UTC

Huize Holding Limited Reports Second Quarter 2025 Unaudited Financial Results

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September 2, 2025 · 5:00 AM UTC

Huize Holding Limited to Report Second Quarter 2025 Financial Results on September 12, 2025

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