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HUIZ

Huize Holding Limited American Depositary Shares (HUIZ) fair value

Financial Services · Insurance Brokers · NASDAQ · United States
$2.14-5.31%
Market cap $22MNext earnings 2025-09-23Updated Oct 24, 2026
Our verdict
Trades 40% below our fair value
Price
$2.14
Model fair valueConfidence: medium
$3.54
Only one of our models could value this stock with confidence, so use it as a guide.
Not used by alerts or posts.
Valued as a growth company: Discounted cash flow, P/E comparison, and EV/EBITDA comparison.
ACCE opinionHuize Holding Limited American Depositary Shares (HUIZ)
Fair value (2 models)
Not available
ACCE price target
$3.25
Rating
Not rated
Horizon
12 months
ACCE price target published on 21 Oct 2026, 01:52 CEST; previously $1.80 since 18 Oct 2026, 00:00 CEST.
Price used: $2.14 at the close on 23 Oct 2026, 22:00 CEST.
Models: P/E comparison and EV/EBITDA comparison.
Fair value: the average of the applicable valuation models (discounted cash flow, multiples, residual income, dividend discount, shareholder yield), each run on the latest financial statements and the market price shown. Opinion columns (fair value, target, rating) are shown apart from the data. Full methodology: acceinvestments.com/data/how-we-value-stocks
Full methodology
Conflicts of interest: The author holds no personal position in this security. General statement
Produced by ACCE Investments (acceinvestments.com)
Data
ACCE score
51
out of 100
Analysts
100% buy
1 covering
P/E
7.4x
forward 5.8x
1-year return
-46.4%
Dividend yield
0.00%

Huize Holding Limited American Depositary Shares in four questions

Plain answers, details below
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OverviewAsk ACCEValuationQualityAnalystsSmart MoneyCompareNews and Record

Overview

ACCE thesis

Huize Holding is a China-based online insurance brokerage that earns commissions by distributing health, life, and property policies from partner carriers through its digital platforms and agent network. The bull case rests on a very low valuation: a trailing P/E of 4.9 and a roughly 5% ROE, against a 27.3% gross margin that shows the brokerage model still clears a reasonable spread. The problem is that revenue shrank 9.3% and operating margin is only 3.0%, so there is no evidence yet that the business is growing back into those multiples. At a $14M market cap, with no index membership and a score of 40/100, this is a name for a quick look at whether revenue decline has bottomed rather than a candidate for a full position.

AI-assisted·How I use AIWritten Oct 18, 2026

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Plain-English pros, cons, and what to watch. Pro feature.

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Valuation

INVESTOR
Where HUIZ's valuation models land
Price
$2.14
Model fair valueConfidence: medium
$3.54
Model
Fair value
Upside
Discounted cash flow
EV/EBITDA comparison
P/E comparison
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See what each model says, the assumptions behind it, the bad, normal and good cases, and why the fair value changed.

Quality

INVESTOR
Quality and conviction INVESTOR FEATURE

The full quality picture: a reason under every score, how the scores moved, and the conviction breakdown.

  • +A plain reason under every score
  • +Conviction breakdown and growth / value / quality / momentum scores
  • +Score history: how each score moved over time

Analysts

Wall Street consensus

Bullish100% buy · 1 covering analyst
● Strong buy 1● Buy 0● Hold 0● Sell 0● Strong sell 0
Analyst intelligence INVESTOR FEATURE

The full analyst picture: the price-target distribution against the current price, forward consensus estimates, and how ACCE's own models compare.

  • +Price-target low / average / high vs the current price, with implied upside
  • +Forward revenue and EPS consensus by fiscal year
  • +ACCE fair-value models lined up against the Street

Smart Money

PRO

In one line

Trades are only made public after a delay. We show the delay so you know how old the news is.

Company insiders
No trades filed
Last 90 days
Congress
No trades filed
Last 180 days
Average delay
No trades filed
From trade to public filing
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Smart money tracking PRO FEATURE

Follow the informed money: 13F position changes, insider and Congress trades, and 13D activist filings.

  • +Quarter-over-quarter institutional position changes
  • +Every insider and Congress trade, with how late it was disclosed
  • +Active 13D activist filings and top holders

Compare

Where it sits vs peers

News and Record

Press releases mentioning this company

Recent performance

1 week
+23.7%
1 month
+49.7%
3 months
+82.9%
6 months
+28.1%
YTD
-23.8%
1 year
-46.4%

SEC filings

Recommendation history, last 12 months

DateTypeNewPreviousPrice
22 Oct 2026, 12:04 CESTRatingUndervaluedfirst publication$2.35
22 Oct 2026, 12:04 CESTFair value$7.72first publication$2.35
21 Oct 2026, 01:52 CESTACCE price target$3.25$1.80$2.53
18 Oct 2026, 00:00 CESTACCE price target$1.80$1.20$1.73
15 Oct 2026, 00:00 CESTACCE price target$1.20first publication$1.32

This analysis is not personalised investment advice and does not take your situation, objectives or risk tolerance into account. ACCE Investments is not an authorised investment firm.

Investing in shares carries a risk of losing capital. The value of an investment can go down as well as up.

Valuation horizon: 12 months from the publication date.

Conflicts of interest. ACCE Investments is operated by Adrien Chantreuil, who may hold personal positions in the securities analysed. Positions are declared on each security. ACCE receives no payment from the companies analysed or from any intermediary for this analysis.

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Snapshot

Growth35Value55Quality47Momentum67Total51
Valuation
Trailing P/E
7.4x
Forward P/E
5.8x
PEG
0.46
P/B
0.23x
EV / Revenue
0.1x
Book value/sh
¥6.40
Enterprise value
$-9,618,462
Profitability
ROE
5.3%
FCF yield
6.67%
ROIC
0.6%
Health and risk
Debt / equity
0.22
Dividend yield
0.00%
Beta
0.96

Price

-44.8% · 1Y

Ask anything about HUIZ

Answered from Huize Holding Limited American Depositary Shares fundamentals + recent valuations. Every number shows its source and date.

This stock Peer Peer median weaker → stronger
P/Ebetter than 0% of peers
low 0.0x7.4xhigh 7.4x
ROEbetter than 83% of peers
low -123%5%high 10%
Div yieldbetter than 100% of peers
low 0.0%0.0%high 0.0%

Peers

Prices Oct 23, 2026
CompanyPriceFair valuevs fair valueP/EROEQualityScore
HUIZ Huize Holding Limited American Depositary Shares$2.14--7.4x5.3%4751
EHTH eHealth Inc. Common Stock$0.53---2.9%5436
SLQT SelectQuote Inc. Common Stock$0.31---10.2%4741
AIFU AIFU Inc. Class A Ordinary Share$10.77----112.3%5634
ZBAO Zhibao Technology Inc. Class A Ordinary Shares$0.42----99.7%3447
EZRA Reliance Global Group Inc. Common Stock$2.18----123.5%2719
XHG XChange TEC.INC American Depositary Shares $3.79--0.0x0.0%1656

Sector report card

Where HUIZ ranks against its sector peers on each metric.

Computing percentiles…
  • GlobeNewswire•Oct 8, 2026
    Huize Holding Limited to Present at the 20th Annual LD Micro Main Event
  • TMX Newsfile•Oct 8, 2026
    Huize Holding Limited to Present at the 20th Annual LD Micro Main Event
  • GlobeNewswire•Aug 20, 2026
    Huize Holding Limited Reports Unaudited Financial Results for the First Half of 2026
5 more press releases · full archive on Investor+.INVESTOR
12 filings of 32
August 2026
Aug 20
6-KForeign current reportPeriod 2026-08-20
View on SEC →
May 2026
May 20
6-KForeign current reportPeriod 2026-05-20
View on SEC →
April 2026
Apr 24
20-FForeign annualPeriod 2025-12-31
View on SEC →
9 more filings + AI summaries on Investor+.INVESTOR