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JIANZHI EDUCATION TECHNOLOGY (JZ) Stock Fundamental Analysis

NASDAQ:JZ - Nasdaq - US47737L2034 - ADR - Currency: USD

1.7  -0.12 (-6.59%)

After market: 1.66 -0.04 (-2.35%)

Fundamental Rating

1

Taking everything into account, JZ scores 1 out of 10 in our fundamental rating. JZ was compared to 72 industry peers in the Diversified Consumer Services industry. Both the profitability and financial health of JZ have multiple concerns. 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.
In the past year JZ had a positive cash flow from operations.
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

The Return On Assets of JZ (-32.95%) is worse than 73.61% of its industry peers.
JZ has a Return On Equity of -142.10%. This is in the lower half of the industry: JZ underperforms 70.83% of its industry peers.
Industry RankSector Rank
ROA -32.95%
ROE -142.1%
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

Looking at the Gross Margin, with a value of 18.82%, JZ is doing worse than 84.72% of the companies in the same industry.
In the last couple of years the Gross Margin of JZ has declined.
JZ does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 18.82%
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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2

2. Health

2.1 Basic Checks

JZ does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for JZ has been increased compared to 1 year ago.
Compared to 5 years ago, JZ has more shares outstanding
Compared to 1 year ago, JZ has a worse debt to assets ratio.
JZ Yearly Shares OutstandingJZ Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 200K 400K 600K 800K
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 -2.28, we must say that JZ is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of JZ (-2.28) is worse than 75.00% of its industry peers.
JZ has a Debt/Equity ratio of 0.30. This is a healthy value indicating a solid balance between debt and equity.
JZ has a Debt to Equity ratio (0.30) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.3
Debt/FCF N/A
Altman-Z -2.28
ROIC/WACCN/A
WACC6.83%
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 1.02 indicates that JZ should not have too much problems paying its short term obligations.
JZ has a Current ratio of 1.02. This is comparable to the rest of the industry: JZ outperforms 40.28% of its industry peers.
JZ has a Quick Ratio of 1.02. This is a normal value and indicates that JZ is financially healthy and should not expect problems in meeting its short term obligations.
JZ's Quick ratio of 1.02 is in line compared to the rest of the industry. JZ outperforms 44.44% of its industry peers.
Industry RankSector Rank
Current Ratio 1.02
Quick Ratio 1.02
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 92.13% over the past year.
Looking at the last year, JZ shows a very negative growth in Revenue. The Revenue has decreased by -43.52% in the last year.
The Revenue has been decreasing by -7.06% on average over the past years.
EPS 1Y (TTM)92.13%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%83.25%
Revenue 1Y (TTM)-43.52%
Revenue growth 3Y-19.29%
Revenue growth 5Y-7.06%
Sales Q2Q%-75.28%

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 10 20 30 40

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 N/A

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JIANZHI EDUCATION TECHNOLOGY

NASDAQ:JZ (7/25/2025, 8:00:29 PM)

After market: 1.66 -0.04 (-2.35%)

1.7

-0.12 (-6.59%)

Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Services
GICS IndustryDiversified Consumer Services
Earnings (Last)N/A N/A
Earnings (Next)12-13 2022-12-13/bmo
Inst Owners0.12%
Inst Owner Change-27.97%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap1.31M
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short Ratio0.02
Dividend
Industry RankSector Rank
Dividend Yield N/A
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 0.04
P/FCF N/A
P/OCF 0.89
P/B 0.4
P/tB 0.42
EV/EBITDA N/A
EPS(TTM)-6.8
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-1.39
FCFYN/A
OCF(TTM)1.9
OCFY111.74%
SpS44.98
BVpS4.26
TBVpS4.09
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -32.95%
ROE -142.1%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 18.82%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score6
Asset Turnover2.45
Health
Industry RankSector Rank
Debt/Equity 0.3
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 731.95%
Cap/Sales 7.32%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.02
Quick Ratio 1.02
Altman-Z -2.28
F-Score6
WACC6.83%
ROIC/WACCN/A
Cap/Depr(3y)345.25%
Cap/Depr(5y)355.83%
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)92.13%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%83.25%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-43.52%
Revenue growth 3Y-19.29%
Revenue growth 5Y-7.06%
Sales Q2Q%-75.28%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y19.6%
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%