Stock fact sheet · data as of
Huize Holding Limited (HUIZ): fair value, margin of safety and Wheel Score
Financial Services · Insurance - Brokers · China · ADR · High Growth
Is HUIZ undervalued?
At 1.43 (close of 16 Oct 2026), HUIZ trades 100% below the GLS average fair value of 331.43. That average comes from 8 models run on the latest filings, and 8 of them land above the current price. Margins of safety over 30% are the exception rather than the rule across the ~7,400 stocks we value each night, so the number earns Huize Holding Limited the full Value points in the Wheel Score - and a closer look at what the market is pricing in.
The 8 models disagree widely: Graham Number gives 50.68 while Payback Time gives 754.57. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
The nightly engine files HUIZ under High Growth: revenue and earnings growing fast enough that the growth-based models carry the valuation.
Nine valuation models for HUIZ
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 251.47 | +17485% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 50.68 | +3444% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 325.18 | +22640% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 132.33 | +9154% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 489.12 | +34104% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 559.29 | +39011% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 754.57 | +52667% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | - | - | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend; no value tonight |
| EPV | 88.77 | +6108% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | 301.48 | +20983% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is average - HUIZ passes 5 of the nine Piotroski tests, which falls one point short of the Sunday Scan's "6 or more" rule. The Financials tab on the Quote page shows which tests fail. The GLS Moat score is low at 4.0 out of 10, which says the ten-year record of revenue, earnings, margins and returns on capital has been inconsistent - growth and shocks rather than steady compounding.
Returns on capital are thin or negative - ROIC 0.8%, ROE 1.0%, ROA 0.4% - with debt at 0.22 times equity and negative free cash flow.
Huize Holding Limited pays no dividend, so the DDM model does not apply and a covered-call holder earns only the premium and any price gain. Revenue comes mainly from Health Insurance Product Line 90%, Accident and Health Insurance Product L… 10% (fiscal year FY2025).
Institutional ownership scores 5/10, insider activity 10/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 5 / 9 | ROIC | 0.8% |
|---|---|---|---|
| GLS Moat | 4.0 / 10 | ROE | 1.0% |
| Debt / equity | 0.22 | ROA | 0.4% |
| Free-cash-flow yield | 0.0% | Payout ratio | 0% |
| Institutions | 5 / 10 | Insiders · Congress | 10 · 5 / 10 |
Wheel Score 39: No options
HUIZ has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business; the Wheel Score is capped at 39 and shown as "No options" (39 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 11k shares a day on a market cap of $723K, with a beta of 0.96; the Stability part of the Wheel Score gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 25 / 25 | 100% margin of safety | |
| Health | 11 / 20 | Piotroski 5/9 | |
| Moat | 6 / 15 | moat 4.0/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 11k shares/day, $1M cap, beta 0.96 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
The next earnings report is due on 8 Dec 2026, 53 days away - outside the window of a 30-45-day put sold today.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Insurance - Brokers
The 12 companies below are the closest to Huize Holding Limited by market cap within the Insurance - Brokers industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| EZRA Reliance Global Group, Inc. | 2.48 | 17.66 | +86% | 39No options | $1M |
| ZBAO Zhibao Technology Inc. Class A Ordinary Shares | 1.02 | - | - | 36No options | $9M |
| MAAL The Marketing Alliance, Inc. | 1.65 | 5.14 | +68% | 39No options | $11M |
| EHTH eHealth, Inc. | 0.6065 | 26.68 | +98% | 51Fair | $19M |
| SLQT SelectQuote, Inc. | 0.3320 | 9.16 | +96% | 53Fair | $59M |
| AIFU AIFU Inc. | 11.31 | 2.89 | -291% | 20Weak | $67M |
| QDMI QDM International Inc. | 10.00 | 37.44 | +73% | 39No options | $86M |
| XHG XChange TEC.INC | 1.85 | - | - | 30No options | $95M |
| TWFG TWFG, Inc. Common Stock | 24.11 | 27.32 | +12% | 39No options | $311M |
| WDH Waterdrop Inc. | 1.03 | 51.43 | +98% | 39No options | $373M |
| GSHD Goosehead Insurance, Inc | 45.60 | 65.62 | +31% | 73Good | $1.7B |
| LIFE Ethos Technologies Inc. | 38.76 | 15.70 | -147% | 23Weak | $2.5B |
⚖ Compare HUIZ with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about HUIZ
Is HUIZ undervalued right now?
By the GLS models, yes: at 1.43 the stock is 100% below the average fair value of 331.43 (data as of 16 Oct 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of HUIZ and what does it mean?
HUIZ has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for HUIZ?
331.43 per share as of 16 Oct 2026 - the simple average of the 8 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Huize Holding Limited report earnings next?
The next earnings report is due on 8 Dec 2026 (before the open), 53 days from the data date of 16 Oct 2026. The Calendars page lists every upcoming report with its time of day.
Does HUIZ have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on HUIZ, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.