Huize Holding Ltd (HUIZ) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of Huize Holding Ltd $0.91, price $1.33, upside -31.6%, quality 60 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 27, 2026.
How to read this chart
60‑month range $1.06 – $29.80 · fair‑value band $0.6800 – $1.14 · the $1.33 price screens above the $0.9100 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 3 fiscal years are left out: there the valuation rested on only a fraction of the usual models. Dashed = 300-day average. As of Sep 27, 2026.
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Huize Holding Limited, together with its subsidiaries, offers online insurance product and service platforms through various internet channels in Mainland China, Hong Kong, and internationally.
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Huize Holding Limited, together with its subsidiaries, offers online insurance product and service platforms through various internet channels in Mainland China, Hong Kong, and internationally. The company offers life and health insurance products comprising term and whole life, annuity, critical illness, reimbursement-based, and illness and disease insurance. It also provides property and casualty insurance products consisting of travel, individual casualty, and corporate liability insurance products; commercial property insurance; and cargo insurance, including logistics liability, international freight forwarder liability, and international cargo bill of lading liability insurance. In addition, the company offers offline insurance intermediary services; digital and technology development services; insurance brokerage and agency services; and investment and investment consulting services. Huize Holding Limited was founded in 2006 and is headquartered in Shenzhen, China.
Stock analysis
Huize Holding Ltd (HUIZ) currently trades at $1.33, while our model-based Fair Value estimate is $0.9100, 31.6% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Asset-Based group reads highest at a median of $4.79 per share, and 2 of the 4 models we run sit above the $1.33 price.
Bear case: the Multiples group reads lowest at $0.8900, and 2 of the 4 models stay below the price. Evidence for this calculation is medium.
Scenario range: $0.6800 (bear) to $1.14 (bull), the price of $1.33 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 60/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Huize Holding Ltd reported revenue of 1.5B CNY in FY2025 versus 2.2B CNY in FY2021, a compound −9.0%/yr. Reported net income was 3.9M CNY in FY2025.
Key figures
Market cap $12.3M · Net margin 0.3% · Return on equity 0.8% · Return on assets (EBIT) −1.3% · Operating margin 0.2% · Revenue (TTM) 1.6B CNY · Revenue growth (YoY) +57.7% · EPS growth (YoY) −9.2%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 28 out of 100 (low confidence).
What moves the price
The share trades about 68% below its 52-week high and 25% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −54% fair-value upside, at −32%, HUIZ screens cheaper than that median.
Fair Value models
Bear $0.6800Fair Value $0.9100Bull $1.14
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.63/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+23.2%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+10.0%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+4.8%
Start year 2020 (pandemic)
Revenue growth 8 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+24.7%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+6.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+6.0%
Dividend (yield on the price)0.0%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.−2% → 0%
News mood ⓘNews mood, the average tone of recent news (71 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Positive
Recent news coverage is more positive than average.
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Insurance Brokers · 37 stocks
Beats the industry median on 3/8 measures
Overall it trails its industry peers.
Valuation
Quality Score61 · Below median
Fair Value upside−33.1% · Above median
Profitability
Return on equity (TTM)0.8% · Bottom 25%
Return on assets0.5% · Bottom 25%
Net margin (TTM)0.3% · Bottom 25%
Operating margin (TTM)0.2% · Bottom 25%
Growth and dividend
Revenue growth57.7% · Top 25%
Balance sheet
Debt / equity0.02× · Lowest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 0
FUTURE (revenue growth)100· sector 54
PAST (return on equity)3· sector 56
HEALTH (low debt)99· sector 84
DIVIDEND (yield)0· sector 94
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Is Huize Holding Ltd (HUIZ) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of $0.9100 versus a price of $1.33, about −32% upside (overvalued).
What is the fair value of HUIZ?
Our model-based fair value for Huize Holding Ltd is $0.9100 (as of Sep 27, 2026), built from audited fundamentals. The current price: $1.33.
What is the quality score of HUIZ?
Huize Holding Ltd has a Quality Score of 60/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Huize Holding Ltd (HUIZ)?
Our model-based price target is the fair value of $0.9100 (as of Sep 27, 2026) from 4 valuation models. Cautious scenario $0.6800, optimistic scenario $1.14. It is a calculation from audited fundamentals, not an analyst target.
What is the Huize Holding Ltd stock forecast for 2026?
Our models put fair value at $0.9100, about −32% upside versus a price of $1.33 (overvalued). Cautious scenario $0.6800, optimistic scenario $1.14. The calculation is refreshed regularly with new filings.
What is the revenue of Huize Holding Ltd (HUIZ)?
Huize Holding Ltd reported trailing-twelve-month revenue of about 1.6B CNY (latest available figure, as of Sep 27, 2026).
What is the intrinsic value of Huize Holding Ltd (HUIZ)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Huize Holding Ltd it is $0.9100 per share (as of Sep 27, 2026), against a price of $1.33. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Huize Holding Ltd stock overvalued or undervalued in 2026?
As of Sep 27, 2026, HUIZ trades above its calculated fair value: price $1.33, fair value $0.9100, a gap of about −32% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of HUIZ?
No. The price is what the market pays today ($1.33); the fair value is what the company's own numbers justify ($0.9100). For Huize Holding Ltd the two are $0.4200 per share apart. That gap is exactly why we show both numbers side by side.
How much is Huize Holding Ltd worth?
The market values Huize Holding Ltd at about $12.3M (market capitalisation, as of Sep 27, 2026). Per share that is $1.33; our models calculate a fair value of $0.9100 per share.
What do the bullish and bearish scenarios say about HUIZ?
Our models span a range for Huize Holding Ltd: cautious scenario $0.6800, base $0.9100, optimistic $1.14 per share (as of Sep 27, 2026, price $1.33). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Huize Holding Ltd (HUIZ)?
Balance-sheet figures for Huize Holding Ltd (as of Sep 27, 2026): return on equity 0.8%, debt of 0.02 per unit of equity. They feed the Quality Score of 60/100, which measures business quality independently of the share price.
How far is HUIZ from its 52-week high?
Huize Holding Ltd trades at $1.33, about 68% below its 52-week high of $4.10 and 25% above the low of $1.06 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of $0.9100 is for.
Which stocks are comparable to Huize Holding Ltd?
From the same area (Financial Services) we also value Marsh & McLennan Companies, Inc, Arthur J. Gallagher & Co, Aon plc, Willis Towers Watson Public Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Huize Holding Ltd stock attractive at the current price?
The data as of Sep 27, 2026: price $1.33, calculated fair value $0.9100 (−32%), Quality Score 60/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of HUIZ calculated?
We run Huize Holding Ltd through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $0.9100, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Huize Holding Ltd itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Huize Holding Ltd (HUIZ)?
The closing price on Oct 2, 2026 was $1.33. Our model-based fair value is $0.9100, about −32% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Huize Holding Ltd right now?
The price sits above even our optimistic bull case ($1.14). The favourable scenario is already priced in. Solid but not exceptional quality (60/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Huize Holding Ltd
How large is the market capitalisation of Huize Holding Ltd (HUIZ)?
The market capitalisation of Huize Holding Ltd is $12.3M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the net margin of Huize Holding Ltd (HUIZ)?
The net margin of Huize Holding Ltd is 0.3% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Huize Holding Ltd (HUIZ)?
The return on equity (ROE) of Huize Holding Ltd is 0.8% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Huize Holding Ltd (HUIZ)?
On an EBIT basis the return on assets of Huize Holding Ltd is −1.3% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Huize Holding Ltd (HUIZ)?
The operating margin of Huize Holding Ltd is 0.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Huize Holding Ltd (HUIZ)?
Revenue at Huize Holding Ltd is growing +57.7% versus a year earlier (3y avg +10.0%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Huize Holding Ltd (HUIZ)?
Earnings per share at Huize Holding Ltd are growing −9.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Huize Holding Ltd (HUIZ) generate?
The free cash flow of Huize Holding Ltd is 9.6M CNY (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Huize Holding Ltd (HUIZ) hold?
Huize Holding Ltd holds more cash than debt, 210M CNY net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Some data
Sep 27, 2026