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Upturn AI SWOT - About
Huize Holding Ltd (HUIZ)
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Upturn Advisory Summary
03/27/2025: HUIZ (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 6.53% | Avg. Invested days 24 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 25.89M USD | Price to earnings Ratio - | 1Y Target Price 6.31 |
Price to earnings Ratio - | 1Y Target Price 6.31 | ||
Volume (30-day avg) 30447 | Beta 0.47 | 52 Weeks Range 0.43 - 6.06 | Updated Date 04/1/2025 |
52 Weeks Range 0.43 - 6.06 | Updated Date 04/1/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) - |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-03-24 | When - | Estimate - | Actual -0.0394 |
Profitability
Profit Margin -0.05% | Operating Margin (TTM) -6% |
Management Effectiveness
Return on Assets (TTM) -1.43% | Return on Equity (TTM) 0.14% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 5599794 | Price to Sales(TTM) 0.02 |
Enterprise Value 5599794 | Price to Sales(TTM) 0.02 | ||
Enterprise Value to Revenue 0.03 | Enterprise Value to EBITDA 2.47 | Shares Outstanding 8413140 | Shares Floating 456770367 |
Shares Outstanding 8413140 | Shares Floating 456770367 | ||
Percent Insiders 15.82 | Percent Institutions 0.53 |
Analyst Ratings
Rating 5 | Target Price 6.46 | Buy - | Strong Buy 3 |
Buy - | Strong Buy 3 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Huize Holding Ltd
Company Overview
History and Background
Huize Holding Ltd., founded in 2006, is a leading independent online insurance product and service platform in China. It connects insurers, customers, and distribution partners through its digital platform. It primarily operates in the insurance brokerage sector in China, leveraging technology to facilitate insurance sales and services.
Core Business Areas
- Insurance Brokerage: Huize operates as an online insurance intermediary, offering a wide range of insurance products, including life, health, and property & casualty insurance. It connects insurance companies with customers seeking insurance solutions.
- Product Development: Huize collaborates with insurance companies to design and develop customized insurance products tailored to specific customer needs. This allows it to offer unique and competitive products on its platform.
- Technology Platform: The company's core strength lies in its technology platform, which provides a seamless experience for both customers and insurers. The platform offers online insurance shopping, policy management, and claims processing capabilities.
Leadership and Structure
Huize's leadership team comprises experienced professionals in the insurance and technology sectors. The organizational structure is designed to facilitate collaboration between its technology, product development, and sales teams.
Top Products and Market Share
Key Offerings
- Life Insurance Products: Life insurance is a major product category, including term life, whole life, and universal life policies. Market share data specifically for Huize's life insurance product line is difficult to obtain due to the fragmented nature of the Chinese market, but life insurance generally accounts for a large portion of China's total insurance market. Competitors include other online insurance platforms and traditional insurance companies with online presence.
- Health Insurance Products: Health insurance, including critical illness, medical, and accident insurance, is another key offering. Again, specific market share data is challenging to obtain. The Chinese health insurance market is growing rapidly due to increasing healthcare awareness and government support. Competitors include Ping An Insurance, China Life Insurance, and other online platforms.
- Property & Casualty Insurance Products: Huize also offers property and casualty insurance, including auto insurance and home insurance. This segment contributes a smaller portion to overall revenue compared to life and health insurance. Competitors include PICC Property and Casualty, China Pacific Insurance, and other online platforms.
Market Dynamics
Industry Overview
The online insurance market in China is experiencing rapid growth, driven by increasing internet penetration, a growing middle class, and a shift towards digital channels. Regulatory support from the Chinese government is also contributing to the industry's expansion.
Positioning
Huize is positioned as a leading independent online insurance platform in China. Its competitive advantages include its extensive product offerings, strong technology platform, and partnerships with leading insurance companies.
Total Addressable Market (TAM)
The TAM for the insurance brokerage market in China is substantial and growing. Estimates vary, but reports suggest a multi-billion dollar market. Huize is well-positioned to capture a significant share of this market through its online platform and strategic partnerships.
Upturn SWOT Analysis
Strengths
- Strong technology platform
- Extensive product offerings
- Partnerships with leading insurance companies
- Data analytics capabilities
Weaknesses
- Dependence on insurance company partnerships
- Relatively small market share compared to larger players
- Regulatory risks in the Chinese market
- Fluctuations in customer acquisition costs.
Opportunities
- Expansion into new product categories
- Geographic expansion within China
- Strategic acquisitions
- Increased government support for the online insurance market
Threats
- Increased competition from other online platforms
- Changes in insurance regulations
- Economic slowdown in China
- Data security breaches
Competitors and Market Share
Key Competitors
- FINV
- LAIX
- YRD
Competitive Landscape
Huize faces competition from other online insurance platforms, as well as traditional insurance companies with online presence. The online insurance market in China is competitive with smaller players and bigger players such as Ping An.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been strong, driven by the expansion of the online insurance market in China.
Future Projections: Future growth is projected to continue, driven by increasing internet penetration and demand for online insurance products. However, analyst estimates may vary.
Recent Initiatives: Recent initiatives include expanding product offerings, strengthening partnerships with insurance companies, and investing in technology development.
Summary
Huize is an online insurance platform with many upsides that provides insurance brokerage services in China. The company is growing, with a dependence on insurance partnerships and subject to regulatory risks. Competition is a threat with other insurance providers moving to online and new competitors. Future growth will be determined by its ability to innovate and execute its strategy effectively.
Similar Companies
FINV
FinVolution Group
FINV
FinVolution Group
YRD
Yirendai Ltd
YRD
Yirendai Ltd
Sources and Disclaimers
Data Sources:
- Company filings, financial news sources, industry reports.
- Financial websites like Seeking Alpha
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share estimates may vary depending on the source. Investment decisions should be based on thorough research and consultation with a qualified financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Huize Holding Ltd
Exchange NASDAQ | Headquaters - | ||
IPO Launch date 2020-02-12 | Founder, Chairman & CEO Mr. Cunjun Ma | ||
Sector Financial Services | Industry Insurance Brokers | Full time employees - | Website https://www.huize.com |
Full time employees - | Website https://www.huize.com | ||
Huize Holding Limited, together with its subsidiaries, offers online insurance product and service platform through various internet channels in the People's Republic of China. The company provides life and health insurance products, such as critical illness, illness and disease, annuity, and term and whole life insurance products; and property and casualty insurance products, including travel, individual casualty, and corporate liability insurance products. It also offers offline insurance intermediary and brokerage services. The company also provides digital and technology development services; investment, technology development, internet information, management, and financial consulting services; business management and catering services; and insurance agency services. Huize Holding Limited was founded in 2006 and is headquartered in Shenzhen, China.
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