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JIANZHI EDUCATION TECHNOLOGY (JZ) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:JZ - US47737L3024 - ADR

1.03 USD
-0.09 (-8.04%)
Last: 12/31/2025, 8:11:05 PM
1.02 USD
-0.01 (-0.97%)
After Hours: 12/31/2025, 8:11:05 PM
Fundamental Rating

1

Taking everything into account, JZ scores 1 out of 10 in our fundamental rating. JZ was compared to 76 industry peers in the Diversified Consumer Services industry. JZ has a bad profitability rating. Also its financial health evaluation is rather negative. JZ does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

JZ had negative earnings in the past year.
JZ had a negative operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: JZ reported negative net income in multiple years.
JZ had a positive operating cash flow in each of the past 5 years.
JZ Yearly Net Income VS EBIT VS OCF VS FCFJZ Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2019 2020 2021 2022 2023 2024 0 100M -100M -200M -300M

1.2 Ratios

Looking at the Return On Assets, with a value of -120.26%, JZ is doing worse than 86.84% of the companies in the same industry.
Looking at the Return On Equity, with a value of -467.54%, JZ is doing worse than 80.26% of the companies in the same industry.
Industry RankSector Rank
ROA -120.26%
ROE -467.54%
ROIC N/A
ROA(3y)-102.19%
ROA(5y)-56.45%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
JZ Yearly ROA, ROE, ROICJZ Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 0 500 1K 1.5K

1.3 Margins

JZ has a Gross Margin of 14.21%. This is amonst the worse of the industry: JZ underperforms 82.89% of its industry peers.
In the last couple of years the Gross Margin of JZ has declined.
The Profit Margin and Operating Margin are not available for JZ so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 14.21%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-5.09%
GM growth 5Y-12.4%
JZ Yearly Profit, Operating, Gross MarginsJZ Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 0 20 -20 -40 -60 -80

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1

2. Health

2.1 Basic Checks

JZ does not have a ROIC to compare to the WACC, probably because it is not profitable.
JZ has more shares outstanding than it did 1 year ago.
The number of shares outstanding for JZ has been increased compared to 5 years ago.
The debt/assets ratio for JZ is higher compared to a year ago.
JZ Yearly Shares OutstandingJZ Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 20K 40K 60K 80K 100K
JZ Yearly Total Debt VS Total AssetsJZ Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

2.2 Solvency

Based on the Altman-Z score of -9.67, we must say that JZ is in the distress zone and has some risk of bankruptcy.
JZ has a Altman-Z score of -9.67. This is in the lower half of the industry: JZ underperforms 77.63% of its industry peers.
A Debt/Equity ratio of 0.47 indicates that JZ is not too dependend on debt financing.
JZ's Debt to Equity ratio of 0.47 is in line compared to the rest of the industry. JZ outperforms 44.74% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.47
Debt/FCF N/A
Altman-Z -9.67
ROIC/WACCN/A
WACC6.88%
JZ Yearly LT Debt VS Equity VS FCFJZ Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2019 2020 2021 2022 2023 2024 0 100M -100M 200M 300M 400M

2.3 Liquidity

A Current Ratio of 0.90 indicates that JZ may have some problems paying its short term obligations.
JZ's Current ratio of 0.90 is on the low side compared to the rest of the industry. JZ is outperformed by 64.47% of its industry peers.
JZ has a Quick Ratio of 0.90. This is a bad value and indicates that JZ is not financially healthy enough and could expect problems in meeting its short term obligations.
JZ's Quick ratio of 0.90 is on the low side compared to the rest of the industry. JZ is outperformed by 61.84% of its industry peers.
Industry RankSector Rank
Current Ratio 0.9
Quick Ratio 0.9
JZ Yearly Current Assets VS Current LiabilitesJZ Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

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0

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 78.09% over the past year.
Looking at the last year, JZ shows a very negative growth in Revenue. The Revenue has decreased by -87.22% in the last year.
The Revenue has been decreasing by -7.06% on average over the past years.
EPS 1Y (TTM)78.09%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-131.54%
Revenue 1Y (TTM)-87.22%
Revenue growth 3Y-19.29%
Revenue growth 5Y-7.06%
Sales Q2Q%-96.33%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
JZ Yearly Revenue VS EstimatesJZ Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M

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0

4. Valuation

4.1 Price/Earnings Ratio

JZ reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A
JZ Price Earnings VS Forward Price EarningsJZ Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0 0 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
JZ Per share dataJZ EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 1 -1 2 -2

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for JZ!.
Industry RankSector Rank
Dividend Yield 0%

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JIANZHI EDUCATION TECHNOLOGY

NASDAQ:JZ (12/31/2025, 8:11:05 PM)

After market: 1.02 -0.01 (-0.97%)

1.03

-0.09 (-8.04%)

Chartmill FA Rating
GICS IndustryGroupConsumer Services
GICS IndustryDiversified Consumer Services
Earnings (Last)N/A N/A
Earnings (Next)12-13 2022-12-13/bmo
Inst Owners0.27%
Inst Owner Change-11.76%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap2.90M
Revenue(TTM)47.20M
Net Income(TTM)-69.11M
AnalystsN/A
Price TargetN/A
Short Float %0.39%
Short Ratio1.26
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.43
P/FCF N/A
P/OCF N/A
P/B 1.37
P/tB 1.63
EV/EBITDA N/A
EPS(TTM)-2.83
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-0.94
FCFYN/A
OCF(TTM)-0.69
OCFYN/A
SpS2.39
BVpS0.75
TBVpS0.63
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -120.26%
ROE -467.54%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 14.21%
FCFM N/A
ROA(3y)-102.19%
ROA(5y)-56.45%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-5.09%
GM growth 5Y-12.4%
F-Score4
Asset Turnover0.82
Health
Industry RankSector Rank
Debt/Equity 0.47
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 1403.75%
Cap/Sales 10.47%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.9
Quick Ratio 0.9
Altman-Z -9.67
F-Score4
WACC6.88%
ROIC/WACCN/A
Cap/Depr(3y)1826.41%
Cap/Depr(5y)1244.53%
Cap/Sales(3y)21.3%
Cap/Sales(5y)27.07%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)78.09%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-131.54%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-87.22%
Revenue growth 3Y-19.29%
Revenue growth 5Y-7.06%
Sales Q2Q%-96.33%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-845.64%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y80.69%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-30.68%
OCF growth 3Y-58.57%
OCF growth 5Y-32.09%

JIANZHI EDUCATION TECHNOLOGY / JZ FAQ

Can you provide the ChartMill fundamental rating for JIANZHI EDUCATION TECHNOLOGY?

ChartMill assigns a fundamental rating of 1 / 10 to JZ.


What is the valuation status for JZ stock?

ChartMill assigns a valuation rating of 0 / 10 to JIANZHI EDUCATION TECHNOLOGY (JZ). This can be considered as Overvalued.


How profitable is JIANZHI EDUCATION TECHNOLOGY (JZ) stock?

JIANZHI EDUCATION TECHNOLOGY (JZ) has a profitability rating of 1 / 10.


Can you provide the financial health for JZ stock?

The financial health rating of JIANZHI EDUCATION TECHNOLOGY (JZ) is 1 / 10.