Huize Holding Ltd Financials
Huize Holding Ltd (HUIZ) reported $226.3M in revenue for fiscal year 2025, up 32.2% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 7 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Huize’s return to profit came from higher volume and leaner overhead, while gross-margin erosion still limits earnings.
FY2025 revenue was about one-third above FY2023, yet gross margin fell from39.0% to27.1% ; the move back to positive free cash flow came mainly from holding SG&A and R&D nearly flat, not from better unit economics. That makes current profitability volume-supported rather than margin-led: free cash flow turned positive at$1.4M , but net margin was only0.3% .
Cash conversion improved with collections. Receivables became much lighter relative to sales than in FY2022, which helps explain why operating cash flow of
Liquidity is serviceable rather than abundant, with a current ratio of 1.4x. Cash of
Financial Health Signals
Huize Holding Ltd does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.
Huize Holding Ltd passes 5 of 7 computable financial strength tests (2 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), 1 of 2 efficiency signals pass.
For every $1 of reported earnings, Huize Holding Ltd generates $4.42 in operating cash flow ($2.6M OCF vs $578K net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Huize Holding Ltd earns $1.64 in operating income for every $1 of interest expense ($952K vs $579K). This narrow margin raises concern about the company's ability to service its debt if operating income declines.
Key Financial Metrics
Earnings & Revenue
Huize Holding Ltd generated $226.3M in revenue in fiscal year 2025. This represents an increase of 32.2% from the prior year.
Huize Holding Ltd's EBITDA was $2.9M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 325.1% from the prior year.
Huize Holding Ltd reported $578K in net income in fiscal year 2025. This represents an increase of 749.4% from the prior year.
Cash & Balance Sheet
Huize Holding Ltd generated $1.4M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 143.3% from the prior year.
Huize Holding Ltd held $35.9M in cash against $1.0M in long-term debt as of fiscal year 2025, with $65.6M of liabilities due within a year.
Not reported for fiscal year 2025.
Margins & Returns
Huize Holding Ltd's gross margin was 27.1% in fiscal year 2025, indicating the percentage of revenue retained after direct costs. This is down 4.4 percentage points from the prior year.
Huize Holding Ltd's operating margin was 0.4% in fiscal year 2025, reflecting core business profitability. This is up 2.1 percentage points from the prior year.
Huize Holding Ltd's net profit margin was 0.3% in fiscal year 2025, showing the share of revenue converted to profit. This is up 0.3 percentage points from the prior year.
Huize Holding Ltd's ROE was 1.0% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 1.1 percentage points from the prior year.
Capital Allocation
Huize Holding Ltd invested $8.4M in research and development in fiscal year 2025. This represents a decrease of 1.8% from the prior year.
Huize Holding Ltd repurchased no shares in fiscal year 2025. This represents a decrease of 100.0% from the prior year.
Huize Holding Ltd invested $1.2M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 100.9% from the prior year.
HUIZ Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 |
|---|---|---|---|---|---|---|---|
| Revenue | $226.3M+32.2% | $171.1M+1.6% | $168.4M+0.3% | $167.9M-52.3% | $352.3M+88.4% | $187.0M+31.1% | $142.7M |
| Cost of Revenue | $165.0M+40.8% | $117.2M+14.1% | $102.7M+0.3% | $102.4M-61.4% | $264.9M+112.5% | $124.7M+37.9% | $90.4M |
| Gross Profit | $61.3M+13.6% | $53.9M-18.0% | $65.7M+0.3% | $65.5M-25.0% | $87.4M+40.2% | $62.3M+19.3% | $52.3M |
| R&D Expenses | $8.4M-1.8% | $8.5M-15.5% | $10.1M-13.7% | $11.7M-38.0% | $18.9M+151.1% | $7.5M+54.9% | $4.9M |
| SG&A Expenses | $19.5M-3.0% | $20.1M+19.6% | $16.8M-25.0% | $22.4M-27.7% | $31.0M+34.7% | $23.0M-1.0% | $23.2M |
| Operating Income | $952K+133.2% | -$2.9M-139.9% | $7.2M+213.5% | -$6.3M+64.7% | -$18.0M-352.1% | -$4.0M-1789.8% | $235K |
| Interest Expense | $579K+2.1% | $567K+44.3% | $393K+153.5% | -$734K-45.9% | -$503K-184.2% | -$177K-555.6% | -$27K |
| Income Tax | $1.0M+5616.7% | $18K | $0 | $0 | $0-100.0% | $271K+3287.5% | $8K |
| Net Income | $578K+749.4% | -$89K-100.9% | $9.9M+318.6% | -$4.5M+73.2% | -$16.9M-502.8% | -$2.8M-230.9% | $2.1M |
| EPS (Diluted) | $0.00 | $0.00-100.0% | $0.01 | $0.00 | N/A | N/A | N/A |
HUIZ Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 |
|---|---|---|---|---|---|---|---|
| Total Assets | $134.2M+10.8% | $121.1M-9.2% | $133.4M-15.6% | $158.0M-45.8% | $291.5M+42.4% | $204.7M+180.1% | $73.1M |
| Current Assets | $94.2M+14.8% | $82.1M-3.9% | $85.4M-21.5% | $108.8M-51.2% | $222.9M+44.3% | $154.5M+133.1% | $66.3M |
| Cash & Equivalents | $35.9M+12.3% | $31.9M-9.0% | $35.1M-12.6% | $40.2M-32.8% | $59.8M-3.5% | $62.0M+389.8% | $12.7M |
| Accounts Receivable | $24.7M+14.7% | $21.5M-14.3% | $25.1M-30.9% | $36.3M-70.2% | $122.0M+242.2% | $35.6M+37.6% | $25.9M |
| Goodwill | $2.0M+1.1% | $2.0M+2963.1% | $65K-3.0% | $67K-6.9% | $72K+1.4% | $71K | N/A |
| Total Liabilities | $72.4M+16.2% | $62.3M-17.5% | $75.6M-30.3% | $108.4M-53.8% | $234.8M+76.7% | $132.9M+13.2% | $117.4M |
| Current Liabilities | $65.6M+15.3% | $56.9M+2.3% | $55.6M-31.4% | $81.1M-57.7% | $191.8M+124.9% | $85.3M+64.1% | $52.0M |
| Long-Term Debt | $1.0M | N/A | N/A | $0-100.0% | $3.1M-62.0% | $8.3M | N/A |
| Total Equity | $58.8M+5.0% | $56.0M-1.9% | $57.1M+15.5% | $49.4M-12.5% | $56.5M-21.3% | $71.8M+262.0% | -$44.3M |
| Retained Earnings | -$65.0M-3.5% | -$62.9M+2.6% | -$64.5M+16.2% | -$77.0M+1.8% | -$78.5M-30.5% | -$60.1M-11.9% | -$53.7M |
Not reported in any period shown, so not listed: Inventory.
HUIZ Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 |
|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $2.6M+198.5% | -$2.6M-113.4% | $19.3M+256.9% | -$12.3M+55.3% | -$27.6M-230.8% | $21.1M+24.4% | $17.0M |
| Capital Expenditures | $1.2M+100.9% | $587K-86.3% | $4.3M+76.3% | $2.4M-59.2% | $6.0M+375.6% | $1.3M+44.9% | $867K |
| Free Cash Flow | $1.4M+143.3% | -$3.2M-121.1% | $15.0M+201.9% | -$14.8M+56.0% | -$33.6M-269.2% | $19.8M+23.3% | $16.1M |
| Investing Cash Flow | -$1.7M-283.1% | -$445K+94.8% | -$8.6M-5.3% | -$8.2M+35.7% | -$12.7M-166.6% | -$4.8M-379.2% | -$994K |
| Financing Cash Flow | $588K-81.5% | $3.2M+116.9% | -$18.8M-28.3% | -$14.7M-165.9% | $22.3M-62.1% | $58.7M+3000.5% | -$2.0M |
| Share Buybacks | $0-100.0% | $11K-99.4% | $1.9M+95.4% | $965K+104.9% | $471K+49.1% | $316K | N/A |
Not reported in any period shown, so not listed: Dividends Paid.
HUIZ Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 |
|---|---|---|---|---|---|---|---|
| Gross Margin | 27.1%-4.4pp | 31.5%-7.5pp | 39.0%0.0pp | 39.0%+14.2pp | 24.8%-8.5pp | 33.3%-3.3pp | 36.6% |
| Operating Margin | 0.4%+2.1pp | -1.7%-5.9pp | 4.3%+8.0pp | -3.8%+1.3pp | -5.1%-3.0pp | -2.1%-2.3pp | 0.2% |
| Net Margin | 0.3%+0.3pp | -0.1%-5.9pp | 5.9%+8.6pp | -2.7%+2.1pp | -4.8%-3.3pp | -1.5%-3.0pp | 1.5% |
| Return on Equity | 1.0%+1.1pp | -0.2%-17.5pp | 17.3%+26.5pp | -9.2%+20.8pp | -29.9%-26.0pp | -3.9% | N/A |
| Return on Assets | 0.4%+0.5pp | -0.1%-7.5pp | 7.4%+10.3pp | -2.9%+2.9pp | -5.8%-4.4pp | -1.4%-4.3pp | 2.9% |
| Current Ratio | 1.440.0x | 1.44-0.1x | 1.54+0.2x | 1.34+0.2x | 1.16-0.6x | 1.81+0.5x | 1.28 |
| Debt-to-Equity | 0.02-1.1x | 1.11-0.2x | 1.32+1.3x | 0.00-0.1x | 0.06-0.1x | 0.11 | N/A |
| FCF Margin | 0.6%+2.5pp | -1.9%-10.8pp | 8.9%+17.7pp | -8.8%+0.7pp | -9.5%-20.1pp | 10.6%-0.7pp | 11.3% |
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Where Huize Holding Ltd Ranks
Frequently Asked Questions
What is Huize Holding Ltd's annual revenue?
Huize Holding Ltd (HUIZ) reported $226.3M in total revenue for fiscal year 2025. This represents a 32.2% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Huize Holding Ltd's revenue growing?
Huize Holding Ltd (HUIZ) revenue grew by 32.2% year-over-year, from $171.1M to $226.3M in fiscal year 2025.
Is Huize Holding Ltd profitable?
Yes, Huize Holding Ltd (HUIZ) reported a net income of $578K in fiscal year 2025, with a net profit margin of 0.3%.
What is Huize Holding Ltd's EBITDA?
Huize Holding Ltd (HUIZ) had EBITDA of $2.9M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
How much debt does Huize Holding Ltd have?
As of fiscal year 2025, Huize Holding Ltd (HUIZ) had $35.9M in cash and equivalents against $1.0M in long-term debt.
What is Huize Holding Ltd's gross margin?
Huize Holding Ltd (HUIZ) had a gross margin of 27.1% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.
What is Huize Holding Ltd's operating margin?
Huize Holding Ltd (HUIZ) had an operating margin of 0.4% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.
What is Huize Holding Ltd's net profit margin?
Huize Holding Ltd (HUIZ) had a net profit margin of 0.3% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Huize Holding Ltd's return on equity (ROE)?
Huize Holding Ltd (HUIZ) has a return on equity of 1.0% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Huize Holding Ltd's free cash flow?
Huize Holding Ltd (HUIZ) generated $1.4M in free cash flow during fiscal year 2025. This represents a 143.3% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Huize Holding Ltd's operating cash flow?
Huize Holding Ltd (HUIZ) generated $2.6M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Huize Holding Ltd's total assets?
Huize Holding Ltd (HUIZ) had $134.2M in total assets as of fiscal year 2025, including both current and long-term assets.
What are Huize Holding Ltd's capital expenditures?
Huize Holding Ltd (HUIZ) invested $1.2M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
How much does Huize Holding Ltd spend on research and development?
Huize Holding Ltd (HUIZ) invested $8.4M in research and development during fiscal year 2025.
What is Huize Holding Ltd's current ratio?
Huize Holding Ltd (HUIZ) had a current ratio of 1.44 as of fiscal year 2025, which is considered adequate.
What is Huize Holding Ltd's debt-to-equity ratio?
Huize Holding Ltd (HUIZ) had a debt-to-equity ratio of 0.02 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Huize Holding Ltd's return on assets (ROA)?
Huize Holding Ltd (HUIZ) had a return on assets of 0.4% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Huize Holding Ltd's Piotroski F-Score?
Huize Holding Ltd (HUIZ) has a Piotroski F-Score of 5 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Huize Holding Ltd's earnings high quality?
Huize Holding Ltd (HUIZ) has an earnings quality ratio of 4.42x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
Can Huize Holding Ltd cover its interest payments?
Huize Holding Ltd (HUIZ) has an interest coverage ratio of 1.64x, meaning it can struggle to cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.