Huize Holding Limited (HUIZ) Earnings
Huize Holding Limited is expected to report next earnings on September 3, 2026 (in NaN days). HUIZ has beaten EPS estimates in 0 of its last 1 reported quarters (average surprise -1400.0% over the last four).
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Sep 12, 2025 | — | $0.10 | — | $55M | — |
| Jun 6, 2025 | $-0.01 | $-0.15 | -1400.0% | $39M | — |
| Mar 24, 2025 | — | $-0.02 | — | $39M | — |
| Dec 10, 2024 | — | $0.04 | — | $53M | — |
| Sep 9, 2024 | — | $-1.30 | — | $39M | +6.5% |
| May 23, 2024 | — | $0.05 | — | $43M | +17.3% |
| Mar 20, 2024 | — | $0.25 | — | $33M | -8.9% |
| Nov 17, 2023 | — | $0.30 | — | $40M | +9.5% |
| Aug 15, 2023 | — | $0.25 | — | $51M | +39.0% |
| May 30, 2023 | — | $0.25 | — | $43M | +18.9% |
| Nov 11, 2022 | — | $-0.15 | — | $49M | — |
| Jun 24, 2022 | — | $0.20 | — | $37M | — |
Source: company filings + earnings calendar. For informational purposes only — not investment advice.
Earnings call summary
Q4 FY2025 · March 27, 2026
AI summary of management’s prepared remarks and analyst Q&A. For informational purposes only — not investment advice.
Management highlights
Remain committed to customer - centric strategy, added approximately 1.7 million new customers in 2025, total users over 12 million by year - end; average age of long - term insurance policyholders 35.3 years, 65.8% in Tier 2 cities or above; average FYP ticket size of long - term insurance ~ RMB 7,900 in 2025, up 38% y - o - y; 13th and 25th month persistency ratios of long - term insurance over 95%; partner ecosystem grew to 158 insured partners, launched diversified customized insurance products; deployed AI native culture, integrated AI into insurance service value chain, total cost rate dropped 5.9 percentage points to 26.3% for the year; AI - driven new user self - sufficiency rate grew 50%, AI systems can independently complete sales conversion; international business obtained license in Singapore, strong demand in Hong Kong, significant growth in Vietnam.
Guidance
Domestically, expected low bank deposit interest rates to continue to encourage retail depositors to reallocate wealth to high - yield savings and participating insurance products; demand for long - term commercial health insurance expected to grow steadily. Internationally, continue to accelerate and deepen international expansion through Pony Intratech, replicate the model in China and deploy proprietary AI solutions to drive expansion into high - growth Southeast Asian markets, grow the proportion of overseas revenue contribution.
Segment performance
In 2025, GWP facilitated on the platform reached RMB 7.4 billion, a 21% year - over - year increase; FYP was RMB 4.6 billion, up 35% year - over - year. Total revenue for the year was RMB 1.6 billion, growing approximately 27% from last year. Non - GAAP net profit was RMB 22.6 million. For long - term insurance, in 2025, about 1.7 million new customers were added, bringing the total to over 12 million by year - end; the average age of long - term insurance policyholders was 35.3 years, with 65.8% residing in Tier 2 cities or above; the average FYP ticket size for long - term insurance was approximately RMB 7,900 in 2025, a 38% increase year - over - year; the 13th and 25th month persistency ratios for long - term insurance products were over 95%. Internationally, in Singapore, obtained financial advisor and exempt insurance license; Hong Kong business revenue increased more than two - fold year - over - year; Vietnam's Global Care had a 106% year - over - year increase in four - year GWP and an 84% increase in revenue growth; GoSell business line platform users quadrupled year - over - year and premiums grew more than three - folded year - over - year.
Risks & headwinds
Hong Kong market faces regulatory changes such as broker referral fee cap and commission spreading; international market expansion faces uncertainties.
Analyst Q&A
Q: Kenny Lim asked about operating costs growing faster than revenue and how to improve it and how to sustain momentum in Hong Kong.
A: Operating cost growth faster than revenue has to do with revenue composition, international revenue has lower margin; Hong Kong underlying growth momentum for savings plans remains robust as onshore time deposits mature.
Q: Mona Wang asked about growth margin compression except AI and why stock trades below cash value.
A: Margin compression due to revenue composition; AI has potential to drive gross margin re - rating with self - service policy purchases growth and AI - driven sales conversions; share price not matching fundamentals may be due to reporting schedule switch, but company has strong growth and AI investment to drive re - rating.