Stock fact sheet · data as of
Huize Holding Limited (HUIZ): fair value, margin of safety and Wheel Score
Ticker symbol HUIZ · Financial Services · Insurance - Brokers · China · ADR · Blend
HUIZ is an American depositary share (ADR): the US listing of Huize Holding Limited, whose own shares trade on its home exchange. It trades in dollars during US hours; currency moves and the home country's rules also affect it, and the depositary bank charges a small yearly fee.
Is HUIZ undervalued?
At 2.31 (close of 5 Nov 2026), HUIZ trades 99% below the GLS average fair value of 242.83. 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: EPV gives 89.12 while GLS Growth gives 491.05. 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.
Ranked against every other company we cover, neither cheapness nor growth clearly wins for HUIZ, so the nightly engine files it under Blend (value score 99, growth score 83, out of 100).
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 | 244.28 | +10475% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 160.93 | +6866% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 458.81 | +19762% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 200.53 | +8581% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 491.05 | +21158% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 164.99 | +7042% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 132.96 | +5656% | 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 | 89.12 | +3758% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | 53.12 | +2200% | 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 "Piotroski 6 or more" Wheel Trade Filter. The Financials tab on the Quote page shows which tests fail. The GLS Moat score is low at 2.8 out of 10: returns on capital, margins or the balance sheet have not shown a lasting edge yet - often a young company, a thin-margin business or one that has only recently turned profitable.
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 | 2.8 / 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 29: 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. It fails the first Wheel Trade Filter (options that actually trade), so the score stays under 70 and is shown as "No options" (29 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 48k shares a day on a market cap of $993K, with a beta of 0.92; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Fails | Piotroski 5/9 (under 6) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Fails | market cap $1M (under $1.0B) |
| 9 | Not a penny stock | Fails | price 2.31 (under $5) |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 99% below fair value | |
| Premium | Weak | no option data | |
| Moat | Weak | moat 2.8/10 | |
| Health | Fair | Piotroski 5/9 | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta 0.92, $1M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
The next earnings report is due on 8 Dec 2026 (before the open), 33 days away; a 30-45-day put sold today would expire after it, which is worth weighing against the premium.
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. | 2.40 | 17.66 | +86% | 27No options | $1M |
| ZBAO Zhibao Technology Inc. Class A Ordinary Shares | 0.2400 | - | - | 12No options | $2M |
| MAAL The Marketing Alliance, Inc. | 1.58 | 5.14 | +69% | 35No options | $11M |
| EHTH eHealth, Inc. | 0.6347 | 12.35 | +95% | 25Weak | $20M |
| AIFU AIFU Inc. | 9.25 | 5.91 | -56% | 16Weak | $55M |
| SLQT SelectQuote, Inc. | 0.4914 | 8.45 | +94% | 31Weak | $88M |
| QDMI QDM International Inc. | 10.30 | 38.45 | +73% | 33No options | $89M |
| XHG XChange TEC.INC | 3.32 | - | - | 13No options | $171M |
| WDH Waterdrop Inc. | 1.01 | 45.70 | +98% | 33No options | $365M |
| TWFG TWFG, Inc. Common Stock | 29.58 | 44.50 | +34% | 33No options | $381M |
| GSHD Goosehead Insurance, Inc | 56.35 | 64.68 | +13% | 37Weak | $2.0B |
| LIFE Ethos Technologies Inc. | 37.13 | 20.58 | -80% | 30Weak | $2.4B |
⚖ 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 2.31 the stock is 99% below the average fair value of 242.83 (data as of 5 Nov 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; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for HUIZ?
242.83 per share as of 5 Nov 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), 33 days from the data date of 5 Nov 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 stays under 70.
Is HUIZ an ADR?
Yes. HUIZ is an American depositary share (ADR): the US listing of Huize Holding Limited, whose own shares trade on its home exchange. It trades in dollars during US hours; currency moves and the home country's rules also affect it, and the depositary bank charges a small yearly fee.