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Huize HoldingHUIZ +1.69%58 Equity-to-Asset is 0.44 as of Dec. 2025, which is 42% above its 10-year median of 0.31. GuruFocus rates HUIZ with a GF Score™ of 58/100 and a GF Value™ of $5.21 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 505 Insurance companies, Huize Holding ranks better than 78.22% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Huize Holding's Total Stockholders Equity for the quarter that ended in Dec. 2025 was $58.4 Mil. Huize Holding's Total Assets for the quarter that ended in Dec. 2025 was $133.2 Mil.
Therefore, Huize Holding's Equity to Asset Ratio for the quarter that ended in Dec. 2025 was 0.44.
The historical rank and industry rank for Huize Holding's Equity-to-Asset or its related term are showing as below:
HUIZ'
s Equity-to-Asset Range Over the Past 10 Years
Min: -2.33 Med: 0.31 Max: 0.46
Current: 0.44
During the past 9 years, the highest Equity to Asset Ratio of Huize Holding was 0.46. The lowest was -2.33. And the median was 0.31.
HUIZ's Equity-to-Asset is ranked better than 78.22% of 505
companies
in the Insurance industry
Industry Median: 0.26
vs HUIZ: 0.44
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Huize Holding Equity-to-Asset Related Terms
Huize Holding Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Huize Holding's Equity-to-Asset 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 ZBAO, GOCOQ, EZRA: Equity-to-Asset Comparison
For the Insurance Brokers subindustry, Huize Holding's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, Huize Holding's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Huize Holding's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Huize Holding's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.44 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Huize Holding and its competitors. This is 42% above median its historical median of 0.31. According to the industry distribution chart, Huize Holding ranks #110 out of 505 companies in the Insurance industry, placing it in the top 21.8%.
Is Huize Holding's Equity-to-Asset too high?
Huize Holding's current Equity-to-Asset of 0.44 is 42% above median its 10-year median of 0.31. The Insurance industry median Equity-to-Asset is 0.26. Huize Holding's value of 0.44 is 69.2% above this industry median. Based on the distribution chart, Huize Holding ranks #110 out of 505 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. 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 Equity-to-Asset compare to ZBAO and GOCOQ?
According to the Insurance industry distribution chart, Huize Holding ranks #110 out of 505 companies for Equity-to-Asset. This places Huize Holding in the top 22% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.26. Huize Holding's value of 0.44 is 69.2% above this benchmark. While the company's 10-year median is 0.31 vs. the industry median of 0.26, 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 Equity-to-Asset for an Insurance company?
The median Equity-to-Asset among Insurance companies is 0.26, based on 505 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Huize Holding's current Equity-to-Asset of 0.44 is 69.2% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Huize Holding and its competitors. For the Insurance industry, the median Equity-to-Asset is 0.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Huize Holding's current Equity-to-Asset is 0.44, which is 42% above median its own 10-year median of 0.31. 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 $5.21, compared to a current price of $1.19 — trading 77.2% below its estimated fair value. The current Equity-to-Asset is 0.44, which is 42% above median its 10-year median of 0.31 and 69.2% above the Insurance industry median of 0.26. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Huize Holding (HUIZ), the current Equity-to-Asset is 0.44 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 $1.19 is trading 77.2% below its estimated GF Value™ of $5.21.
GuruFocus considers Huize Holding to be Possible Value Trap.
Key valuation signals for HUIZ:
Equity-to-Asset: 0.44 (42% above median its 10-year median of 0.31)
GF Value™: $5.21 vs. price of $1.19 (77.2% below fair value)
Industry Position: 69.2% above the Insurance median (#110 of 505)
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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