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Amy Chan

Research Analyst at Citigroup Inc.

No publicly available information confirms the existence of an Amy Chan working as an analyst at Citigroup Inc. with a verifiable track record, defined coverage universe, or professional credentials in equity research. No LinkedIn profile or credible analyst profiles associate Amy Chan with Citigroup in an analyst capacity, nor are there available performance metrics, rankings, or details about securities licensing or career history at notable firms. Searches for analyst directories, regulatory registrations, and major financial research platforms return no matching results. It is possible Amy Chan is not a public-facing equity analyst at Citi or does not hold an analyst position with exposure to major external rankings or performance metrics.

Amy Chan's questions to Huize Holding (HUIZ) leadership

Amy Chan's questions to Huize Holding (HUIZ) leadership • Q2 2025

Question

Amy Chan from Citi Research asked about the overseas business, specifically if the higher average ticket size was driven by participating sales in international markets like Hong Kong, the impact of regulatory changes on illustrated product returns, and Q3 sales momentum. She also inquired about the potential impact of upcoming regulatory caps on broker channel referral fees and commission spreading in Hong Kong, and requested the net profit outlook for the full year 2025.

Answer

Ronald Tam, Co-CFO, confirmed that regulatory changes on illustrated returns impacted Q2 demand for Hong Kong products, with revenue recognition likely in Q3. He stated that underlying demand for offshore products remains strong due to interest rate differentials, expecting sequential momentum to continue. For the net profit outlook, Mr. Tam expressed confidence in delivering a second-half profit for the year, anticipating meaningful sequential growth in Q3 earnings.

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Amy Chan's questions to Huize Holding (HUIZ) leadership • Q2 2025

Question

Amy Chan from Citi Research asked about the performance of Huize's overseas business, specifically if the higher average ticket size was driven by participating sales in international markets like Hong Kong, and the impact of regulatory changes on illustrated par product returns and broker channel fees. Chan also sought the company's net profit guidance for the full year 2025, given the profitability in the first half.

Answer

Co-CFO Ron Tam confirmed that regulatory changes on illustrated returns impacted Q2 sales, with revenue recognition expected in Q3. Tam noted that underlying demand for offshore products remains strong due to interest rate differentials, expecting continued sequential momentum. For the net profit outlook, Tam stated that Huize expects sequential improvement in Q3, aiming for a profitable second half of the year with meaningful sequential growth in Q3 earnings. When asked about international revenue contribution, Tam indicated the company is on track with its previously given outlook.

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Amy Chan's questions to Huize Holding (HUIZ) leadership • Q2 2025

Question

Amy Chan from Citi Research asked about Huize Holding Limited's overseas business, particularly in Hong Kong, inquiring if the higher sequential average ticket size was partially driven by participating sales and the impact of regulatory changes on illustrated par product returns and Q3 sales momentum. She also questioned the potential effects of upcoming regulatory caps on broker channel referral fees and commission spreading requirements on the Hong Kong business. Finally, Chan sought the company's net profit guidance for the full year 2025, given the first-half profitability, and followed up on the international business's revenue contribution in Q2.

Answer

Co-CFO Ron Tam confirmed that regulatory changes on illustrated returns influenced Q2 rush sales in Hong Kong, with effects likely to be reflected in Q3 results. He stated that the underlying demand for offshore products, driven by interest rate differentials, remains strong despite potential U.S. rate cuts, expecting continued sequential momentum. For the net profit outlook, Tam indicated expectations for sequential improvement in Q3 and overall second-half profitability for 2025, with meaningful sequential growth in Q3 earnings. Regarding international revenue contribution, he stated the company is on track with its previously given outlook without providing specific Q2 figures.

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Amy Chan's questions to Huize Holding (HUIZ) leadership • Q1 2025

Question

Amy Chan of Citi inquired about the disparity between the year-over-year decline in First Year Premiums (FYP) and the increase in selling expenses for Q1 2025. She also asked for the sales outlook for the remainder of the year, particularly in light of an anticipated insurance pricing rate cut in the third quarter.

Answer

Co-CFO Ronald Tam addressed the questions, explaining that the Q1 FYP decline was compared against a high base in Q1 2024, which benefited from 'rush sales' ahead of a previous pricing cut. He attributed the expense gap partly to the lower gross margins of the growing international business. For the outlook, Mr. Tam stated that Q1 was likely the 'rock bottom' for the year, with Q2 showing a revival. He anticipates a rush in sales in Q3, especially in July and August, ahead of the expected rate cut, though he noted the effect might be more muted than in previous instances.

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