What is Huize Holding Ltd's earnings per share (EPS)?

Huize Holding Ltd (HUIZ) reported diluted earnings per share of $0.00 for fiscal year 2025. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Huize Holding Ltd Financials

HUIZ

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Huize Holding Ltd (HUIZ) financial statements, including the 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).

Rhea AI HUIZ FY2024 2026-04-24

Huize runs a margin-sensitive model where small changes in gross profit quickly determine whether revenue becomes cash.

Receivables fell from $25.1M to $21.5M between FY2023 and FY2024, a working-capital shift that usually helps collections. Even so, operating cash flow flipped from $19.3M to -$2.6M, meaning FY2024's cash weakness came from thinner economics inside the business, not from customers simply paying slower.

The earnings profile is driven more by gross profit dollars than by headline sales. Revenue was still $171.1M in FY2024, yet gross profit slipped to $53.9M, so a slightly larger top line did not cover operating costs. That makes the FY2023 profit year look more like a narrow operating window than a stable margin reset.

The balance sheet is shrinking rather than being replenished by retained cash generation. Over the last two years, cash fell from $40.2M to $31.9M while the current ratio stayed above 1.4x, so near-term obligations still look covered. Liabilities have also declined, which points to a smaller but still serviceable operating base rather than a debt-fueled expansion.

Financial Health Signals

Financial Profile 43/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of Huize Holding Ltd's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Profitability

Huize Holding Ltd has an operating margin of 0.4%, meaning the company retains $0 of operating profit per $100 of revenue. This below-average margin results in a low score of 23/100, suggesting thin profitability after operating expenses. This is up from -1.7% the prior year.

Growth

Huize Holding Ltd's revenue surged 32.2% year-over-year to $226.3M, reflecting rapid business expansion. This strong growth earns a score of 60/100.

Leverage

100

Huize Holding Ltd carries a low D/E ratio of 0.02, meaning only $0.02 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 100/100, indicating a strong balance sheet with room for future borrowing.

Liquidity

Huize Holding Ltd's current ratio of 1.44 is below the typical benchmark, resulting in a score of 24/100. However, the company holds substantial cash reserves (55% of current liabilities), which buffers actual liquidity risk. Large mature operators often run tight current ratios by design.

Cash Flow

Huize Holding Ltd's free cash flow margin of 0.6% results in a low score of 29/100. Capital expenditures of $1.2M absorb a large share of operating cash flow.

Returns

Huize Holding Ltd generates a 1.0% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 20/100. This is up from -0.2% the prior year.

Altman Z-Score Distress

1.43

Huize Holding Ltd scores 1.43, below the 1.81 distress threshold. This indicates elevated financial distress risk and warrants close attention to liquidity and debt levels.

Piotroski F-Score Neutral

5/9

Huize Holding Ltd passes 5 of 9 financial strength tests. 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.

Earnings Quality Cash-Backed

4.42x

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.

Interest Coverage At Risk

1.6x

Huize Holding Ltd earns $1.6 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

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Earnings & Revenue

Revenue

$226.3M

YoY+32.2%

5Y CAGR+3.9%

Huize Holding Ltd generated $226.3M in revenue in fiscal year 2025. This represents an increase of 32.2% from the prior year.

EBITDA

$2.9M

YoY+325.1%

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.

Net Income

$578K

YoY+749.4%

Huize Holding Ltd reported $578K in net income in fiscal year 2025. This represents an increase of 749.4% from the prior year.

EPS (Diluted)

$0.00

Huize Holding Ltd earned $0.00 per diluted share (EPS) in fiscal year 2025.

Cash & Balance Sheet

Free Cash Flow

$1.4M

YoY+143.3%

5Y CAGR-41.4%

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.

Cash & Debt

$35.9M

YoY+12.3%

5Y CAGR-10.4%

Huize Holding Ltd held $35.9M in cash against $1.0M in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

860M

Huize Holding Ltd had 860M shares outstanding in fiscal year 2025.

Margins & Returns

Gross Margin

27.1%

YoY-4.4pp

5Y CAGR-6.3pp

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.

Operating Margin

0.4%

YoY+2.1pp

5Y CAGR+2.5pp

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.

Net Margin

0.3%

YoY+0.3pp

5Y CAGR+1.8pp

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.

Return on Equity

1.0%

YoY+1.1pp

5Y CAGR+4.9pp

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

R&D Spending

$8.4M

YoY-1.8%

5Y CAGR+2.2%

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.

Share Buybacks

YoY-100.0%

Huize Holding Ltd spent $0 on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 100.0% from the prior year.

Capital Expenditures

$1.2M

YoY+100.9%

5Y CAGR-1.3%

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

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$226.3M+32.2%	$171.1M+1.6%	$168.4M+0.3%	$167.9M-52.3%	$352.3M+88.4%	$187.0M
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
Gross Profit	$61.3M+13.6%	$53.9M-18.0%	$65.7M+0.3%	$65.5M-25.0%	$87.4M+40.2%	$62.3M
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
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
Operating Income	$952K+133.2%	-$2.9M-139.9%	$7.2M+213.5%	-$6.3M+64.7%	-$18.0M-352.1%	-$4.0M
Interest Expense	$579K+2.1%	$567K+44.3%	$393K+153.5%	-$734K-45.9%	-$503K-184.2%	-$177K
Income Tax	$1.0M+5616.7%	$18K	$0	$0	$0-100.0%	$271K
Net Income	$578K+749.4%	-$89K-100.9%	$9.9M+318.6%	-$4.5M+73.2%	-$16.9M-502.8%	-$2.8M
EPS (Diluted)	$0.00	$0.00-100.0%	$0.01	$0.00	N/A	N/A

Metric	Q4'25	Q4'24	Q4'23	Q4'22	Q4'21	Q4'20	Q4'19
Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Income Tax	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A
EPS (Diluted)	N/A	N/A	N/A	N/A	N/A	N/A	N/A

HUIZ Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$134.2M+10.8%	$121.1M-9.2%	$133.4M-15.6%	$158.0M-45.8%	$291.5M+42.4%	$204.7M
Current Assets	$94.2M+14.8%	$82.1M-3.9%	$85.4M-21.5%	$108.8M-51.2%	$222.9M+44.3%	$154.5M
Cash & Equivalents	$35.9M+12.3%	$31.9M-9.0%	$35.1M-12.6%	$40.2M-32.8%	$59.8M-3.5%	$62.0M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$24.7M+14.7%	$21.5M-14.3%	$25.1M-30.9%	$36.3M-70.2%	$122.0M+242.2%	$35.6M
Goodwill	$2.0M+1.1%	$2.0M+2963.1%	$65K-3.0%	$67K-6.9%	$72K+1.4%	$71K
Total Liabilities	$72.4M+16.2%	$62.3M-17.5%	$75.6M-30.3%	$108.4M-53.8%	$234.8M+76.7%	$132.9M
Current Liabilities	$65.6M+15.3%	$56.9M+2.3%	$55.6M-31.4%	$81.1M-57.7%	$191.8M+124.9%	$85.3M
Long-Term Debt	$1.0M	N/A	N/A	$0-100.0%	$3.1M-62.0%	$8.3M
Total Equity	$58.8M+5.0%	$56.0M-1.9%	$57.1M+15.5%	$49.4M-12.5%	$56.5M-21.3%	$71.8M
Retained Earnings	-$65.0M-3.5%	-$62.9M+2.6%	-$64.5M+16.2%	-$77.0M+1.8%	-$78.5M-30.5%	-$60.1M

Metric	Q4'25	Q4'24	Q4'23	Q4'22	Q4'21	Q4'20	Q4'19
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
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A
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

HUIZ Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
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
Capital Expenditures	$1.2M+100.9%	$587K-86.3%	$4.3M+76.3%	$2.4M-59.2%	$6.0M+375.6%	$1.3M
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
Investing Cash Flow	-$1.7M-283.1%	-$445K+94.8%	-$8.6M-5.3%	-$8.2M+35.7%	-$12.7M-166.6%	-$4.8M
Financing Cash Flow	$588K-81.5%	$3.2M+116.9%	-$18.8M-28.3%	-$14.7M-165.9%	$22.3M-62.1%	$58.7M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$0-100.0%	$11K-99.4%	$1.9M+95.4%	$965K+104.9%	$471K+49.1%	$316K

Metric	Q4'25	Q4'24	Q4'23	Q4'22	Q4'21	Q4'20	Q4'19
Operating Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Financing Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A

HUIZ Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	27.1%-4.4pp	31.5%-7.5pp	39.0%0.0pp	39.0%+14.2pp	24.8%-8.5pp	33.3%
Operating Margin	0.4%+2.1pp	-1.7%-5.9pp	4.3%+8.0pp	-3.8%+1.3pp	-5.1%-3.0pp	-2.1%
Net Margin	0.3%+0.3pp	-0.1%-5.9pp	5.9%+8.6pp	-2.7%+2.1pp	-4.8%-3.3pp	-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%
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%
Current Ratio	1.440.0	1.44-0.1	1.54+0.2	1.34+0.2	1.16-0.6	1.81
Debt-to-Equity	0.02-1.1	1.11-0.2	1.32+1.3	0.00-0.1	0.06-0.1	0.11
FCF Margin	0.6%+2.5pp	-1.9%-10.8pp	8.9%+17.7pp	-8.8%+0.7pp	-9.5%-20.1pp	10.6%

Metric	Q4'25	Q4'24	Q4'23	Q4'22	Q4'21	Q4'20	Q4'19
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Equity	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Current Ratio	1.440.0	1.44-0.1	1.54+0.2	1.34+0.2	1.16-0.6	1.81+0.5	1.28
Debt-to-Equity	0.02-1.1	1.11-0.2	1.32+1.3	0.00-0.1	0.06-0.1	0.11+2.8	-2.65
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A

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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.

How many shares does Huize Holding Ltd have outstanding?

Huize Holding Ltd (HUIZ) had 860M shares outstanding as of 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 Altman Z-Score?

Huize Holding Ltd (HUIZ) has an Altman Z-Score of 1.43, placing it in the Distress Zone (elevated bankruptcy risk). The Z-Score combines five financial ratios (working capital, retained earnings, EBIT, market capitalization, and revenue relative to total assets) to predict the likelihood of bankruptcy. Scores above 2.99 indicate financial safety while scores below 1.81 suggest financial distress. Learn more in our complete guide to financial health indicators.

What is Huize Holding Ltd's Piotroski F-Score?

Huize Holding Ltd (HUIZ) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. 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 1.6x, 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.

How financially healthy is Huize Holding Ltd?

Huize Holding Ltd (HUIZ) scores 43 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.