HUIZ (Huize Holding) Debt-to-EBITDA : (As of Jun. 2025)

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HUIZ Huize Holding Ltd HUIZ
60 GF Score
Price $1.41
GF Value $5.23
Valuation Possible Value Trap
! 4 Warning Signs
View Full Analysis

What is Huize Holding Debt-to-EBITDA?

Debt-to-EBITDA measures a company's ability to pay off its debt.

Huize Holding's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2025 was $9.5 Mil. Huize Holding's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2025 was $3.4 Mil. Huize Holding's annualized EBITDA for the quarter that ended in Jun. 2025 was $7.4 Mil. Huize Holding's annualized Debt-to-EBITDA for the quarter that ended in Jun. 2025 was 1.74.

A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.

The historical rank and industry rank for Huize Holding's Debt-to-EBITDA or its related term are showing as below:

HUIZ' s Debt-to-EBITDA Range Over the Past 10 Years
Min: -105.23   Med: 1.92   Max: 132.09
Current: 1.8

During the past 9 years, the highest Debt-to-EBITDA Ratio of Huize Holding was 132.09. The lowest was -105.23. And the median was 1.92.

HUIZ's Debt-to-EBITDA is ranked worse than
64.74% of 312 companies
in the Insurance industry
Industry Median: 1.23 vs HUIZ: 1.80

Huize Holding  (NAS:HUIZ) Debt-to-EBITDA Explanation

In the calculation of Debt-to-EBITDA, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by EBITDA. In some calculations, Total Liabilities is used to for calculation.


Be Aware

A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.

According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.


Huize Holding Debt-to-EBITDA Related Terms


Huize Holding Debt-to-EBITDA Historical Data

* Premium members only.

The historical data trend for Huize Holding's Debt-to-EBITDA can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Huize Holding Debt-to-EBITDA Chart

Huize Holding Annual Data
Trend Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-EBITDA
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Huize Holding Quarterly Data
Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25
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HUIZ vs ZBAO, GOCOQ, EZRA: Debt-to-EBITDA Comparison

For the Insurance Brokers subindustry, Huize Holding's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Huize Holding Debt-to-EBITDA vs Insurance Industry

For the Insurance industry and Financial Services sector, Huize Holding's Debt-to-EBITDA distribution charts can be found below:

* The bar in red indicates where Huize Holding's Debt-to-EBITDA falls into.


HUIZ
60GF Score
Huize Holding Ltd HUIZ
Debt-to-EBITDA is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Huize Holding Debt-to-EBITDA Calculation

Debt-to-EBITDA measures a company's ability to pay off its debt.

Huize Holding's Debt-to-EBITDA for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(10.05630960984 + 3.1418901998383) / 4.7022667074156
=2.81

Huize Holding's annualized Debt-to-EBITDA for the quarter that ended in Jun. 2025 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(9.4910334240458 + 3.3535691856814) / 7.3620083378724
=1.74

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data, the EBITDA data used here is four times the quarterly (Jun. 2025) EBITDA data.

Is Huize Holding (HUIZ) Overvalued in 2026?

Based on GuruFocus' analysis, Huize Holding stock appears to be undervalued. The current stock price of $1.41 is trading 73% below its estimated GF Value™ of $5.23. GuruFocus considers Huize Holding to be Possible Value Trap.

Key valuation signals for HUIZ:

  • Debt-to-EBITDA:
  • GF Value™: $5.23 vs. price of $1.41 (73% below fair value)
  • GF Score™: 60/100 with 4 warning signs

No single metric tells the full story. See the HUIZ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Huize Holding Business Description

Address Qianhai Financial Centre, Linhai Avenue, 49 Floor, Building T1, Qianhai Shenzhen-Hong Kong Cooperation Zone, Shenzhen, CHN, 518000
Huize Holding Ltd is an independent online insurance product and service platform in China. The company distributes on its platform insurance products underwritten by the insurance companies that cooperate with the company, which the company refers to as its insurer partners, and helps them reach a large number of insurance clients. The company's platform offers a digitalized insurance purchase experience and services through various internet and mobile internet channels. The company generates revenues from the insurance brokerage fees paid by its insurer partners. Geographically, the company is concentrated in PRC Mainland, Hong Kong and others segments.
60GF Score

Get the complete analysis for HUIZ

Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$1.41
Price
$5.23
GF Value