HUIZ (Huize Holding) Moat Score: 2/10 (As of Jun. 28, 2026)


HUIZ Huize Holding Ltd HUIZ
58 GF Score
Price $1.06
GF Value $5.14
Valuation Possible Value Trap
! 4 Warning Signs
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What is Huize Holding Moat Score?

Huize Holding HUIZ -7.50% 58 Moat Score is 2 as of Jun. 28, 2026. GuruFocus rates HUIZ with a GF Score™ of 58/100 and a GF Value™ of $5.14 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 596 Insurance companies, Huize Holding ranks better than 69.63% on this metric.

Huize Holding has the Moat Score of 2, which implies that the company might have No Moat - Very weak/transient advantages.

Huize Holding has No Moat: Huize Holding operates in the competitive insurance brokerage industry with low switching costs and limited brand differentiation. The company lacks significant intellectual property or cost advantages, resulting in a weak competitive position.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Huize Holding might have No Moat - Very weak/transient advantages.

Huize Holding  (NAS:HUIZ) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Huize Holding Moat Score Related Terms

HUIZ vs GOCO, EZRA, TIRXF: Moat Score Comparison

For the Insurance Brokers subindustry, Huize Holding's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, Huize Holding's Moat Score distribution charts can be found below:

* The bar in red indicates where Huize Holding's Moat Score falls into.


HUIZ
58GF Score
Huize Holding Ltd HUIZ
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 2 mean?
Huize Holding (HUIZ) has a Moat Score of 2 as of Jun. 28, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Huize Holding ranks #181 out of 596 companies in the Insurance industry, placing it in the top 30.4%.
Is Huize Holding's Moat Score too high?
Huize Holding's current Moat Score is 2. Based on the distribution chart, Huize Holding ranks #181 out of 596 companies in the Insurance industry, which is above 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 Moat Score compare to GOCO and EZRA?
According to the Insurance industry distribution chart, Huize Holding ranks #181 out of 596 companies for Moat Score. This puts Huize Holding in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Insurance company?
A good Moat Score depends on the Insurance industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Huize Holding's current Moat Score is 2. 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 $5.14, compared to a current price of $1.06 — trading 79.4% below its estimated fair value. The current Moat Score is 2. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Huize Holding (HUIZ), the current Moat Score is 2 as of Jun. 28, 2026. 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 $1.06 is trading 79.4% below its estimated GF Value™ of $5.14. GuruFocus considers Huize Holding to be Possible Value Trap.

Key valuation signals for HUIZ:

  • Moat Score: 2
  • GF Value™: $5.14 vs. price of $1.06 (79.4% below fair value)
  • GF Score™: 58/100 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.
58GF Score

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

$1.06
Price
$5.14
GF Value