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Huize HoldingHUIZ +3.70%58 Debt-to-Equity is 0.22 as of Dec. 2025, which is at its 10-year median of 0.22. GuruFocus rates HUIZ with a GF Score™ of 58/100 and a GF Value™ of $5.18 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 406 Insurance companies, Huize Holding ranks worse than 51.48% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Huize Holding's Debt-to-Equity or its related term are showing as below:
HUIZ'
s Debt-to-Equity Range Over the Past 10 Years
Min: -0.13 Med: 0.22 Max: 1.39
Current: 0.22
During the past 9 years, the highest Debt-to-Equity Ratio of Huize Holding was 1.39. The lowest was -0.13. And the median was 0.22.
HUIZ's Debt-to-Equity is ranked worse than 51.48% of 406
companies
in the Insurance industry
Industry Median: 0.2
vs HUIZ: 0.22
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Huize Holding Debt-to-Equity Related Terms
Huize Holding Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Huize Holding's Debt-to-Equity 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.
HUIZ vs GOCOQ, ZBAO, EZRA: Debt-to-Equity Comparison
For the Insurance Brokers subindustry, Huize Holding's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Huize Holding's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Huize Holding's Debt-to-Equity falls into.
* 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 (HUIZ) has a Debt-to-Equity of 0.22 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Huize Holding and its competitors. This is near median its historical median of 0.22. According to the industry distribution chart, Huize Holding ranks #209 out of 406 companies in the Insurance industry, placing it in the top 51.5%.
Is Huize Holding's Debt-to-Equity too high?
Huize Holding's current Debt-to-Equity of 0.22 is near median its 10-year median of 0.22. The Insurance industry median Debt-to-Equity is 0.20. Huize Holding's value of 0.22 is 10% above this industry median. Based on the distribution chart, Huize Holding ranks #209 out of 406 companies in the Insurance industry, which is below the industry midpoint. Overall, Huize Holding has a GF Score™ of 58/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Huize Holding's Debt-to-Equity compare to GOCOQ and ZBAO?
According to the Insurance industry distribution chart, Huize Holding ranks #209 out of 406 companies for Debt-to-Equity. This places Huize Holding in the lower half of its industry. The industry median Debt-to-Equity is 0.20. Huize Holding's value of 0.22 is 10% above this benchmark. While the company's 10-year median is 0.22 vs. the industry median of 0.20, Huize Holding has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for an Insurance company?
The median Debt-to-Equity among Insurance companies is 0.20, based on 406 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Huize Holding's current Debt-to-Equity of 0.22 is 10% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Huize Holding and its competitors. For the Insurance industry, the median Debt-to-Equity is 0.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Huize Holding's current Debt-to-Equity is 0.22, which is near median its own 10-year median of 0.22. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Huize Holding stock overvalued right now?
Based on GuruFocus' analysis, Huize Holding (HUIZ) is currently considered Possible Value Trap. The stock's GF Value™ is $5.18, compared to a current price of $1.26 — trading 75.7% below its estimated fair value. The current Debt-to-Equity is 0.22, which is near median its 10-year median of 0.22 and 10% above the Insurance industry median of 0.20. Huize Holding's overall GF Score™ is 58/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Huize Holding (HUIZ), the current Debt-to-Equity is 0.22 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Huize Holding (HUIZ) Overvalued in 2026?
Based on GuruFocus' analysis, Huize Holding stock appears to be undervalued.
The current stock price of $1.26 is trading 75.7% below its estimated GF Value™ of $5.18.
GuruFocus considers Huize Holding to be Possible Value Trap.
Key valuation signals for HUIZ:
Debt-to-Equity: 0.22 (near median its 10-year median of 0.22)
GF Value™: $5.18 vs. price of $1.26 (75.7% below fair value)
Industry Position: 10% above the Insurance median (#209 of 406)
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 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.
58GF Score
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