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ATIF HOLDINGS LTD (ZBAI) Stock Fundamental Analysis

NASDAQ:ZBAI - Nasdaq - VGG0602B2093 - Common Stock - Currency: USD

1  -0.02 (-1.96%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to ZBAI. ZBAI was compared to 82 industry peers in the Professional Services industry. No worries on liquidiy or solvency for ZBAI as it has an excellent financial health rating, but there are worries on the profitability. ZBAI has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

1.1 Basic Checks

In the past year ZBAI has reported negative net income.
In the past year ZBAI has reported a negative cash flow from operations.
ZBAI had negative earnings in each of the past 5 years.
In the past 5 years ZBAI always reported negative operating cash flow.
ZBAI Yearly Net Income VS EBIT VS OCF VS FCFZBAI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 0 -5M -10M

1.2 Ratios

ZBAI has a worse Return On Assets (-51.26%) than 92.68% of its industry peers.
ZBAI's Return On Equity of -56.28% is on the low side compared to the rest of the industry. ZBAI is outperformed by 85.37% of its industry peers.
Industry RankSector Rank
ROA -51.26%
ROE -56.28%
ROIC N/A
ROA(3y)-72.69%
ROA(5y)-65.13%
ROE(3y)-143.55%
ROE(5y)-121.14%
ROIC(3y)N/A
ROIC(5y)N/A
ZBAI Yearly ROA, ROE, ROICZBAI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2017 2018 2019 2020 2021 2022 2023 2024 0 50 -50 100 -100 -150

1.3 Margins

ZBAI does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
ZBAI Yearly Profit, Operating, Gross MarginsZBAI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2017 2018 2019 2020 2021 2022 2023 2024 0 -500 -1K -1.5K -2K

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2. Health

2.1 Basic Checks

ZBAI does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for ZBAI has been increased compared to 1 year ago.
Compared to 5 years ago, ZBAI has more shares outstanding
Compared to 1 year ago, ZBAI has a worse debt to assets ratio.
ZBAI Yearly Shares OutstandingZBAI Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M
ZBAI Yearly Total Debt VS Total AssetsZBAI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

2.2 Solvency

An Altman-Z score of 8.93 indicates that ZBAI is not in any danger for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 8.93, ZBAI belongs to the top of the industry, outperforming 95.12% of the companies in the same industry.
There is no outstanding debt for ZBAI. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z 8.93
ROIC/WACCN/A
WACC9.05%
ZBAI Yearly LT Debt VS Equity VS FCFZBAI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 0 5M -5M 10M 15M

2.3 Liquidity

ZBAI has a Current Ratio of 11.21. This indicates that ZBAI is financially healthy and has no problem in meeting its short term obligations.
Looking at the Current ratio, with a value of 11.21, ZBAI belongs to the top of the industry, outperforming 97.56% of the companies in the same industry.
A Quick Ratio of 11.21 indicates that ZBAI has no problem at all paying its short term obligations.
With an excellent Quick ratio value of 11.21, ZBAI belongs to the best of the industry, outperforming 97.56% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 11.21
Quick Ratio 11.21
ZBAI Yearly Current Assets VS Current LiabilitesZBAI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M

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1

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 19.82% over the past year.
Looking at the last year, ZBAI shows a very strong growth in Revenue. The Revenue has grown by 67.50%.
Measured over the past years, ZBAI shows a very negative growth in Revenue. The Revenue has been decreasing by -27.43% on average per year.
EPS 1Y (TTM)19.82%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-270.45%
Revenue 1Y (TTM)67.5%
Revenue growth 3Y-12.95%
Revenue growth 5Y-27.43%
Sales Q2Q%700%

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.
ZBAI Yearly Revenue VS EstimatesZBAI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 1M 2M 3M 4M 5M

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4. Valuation

4.1 Price/Earnings Ratio

ZBAI reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A
ZBAI Price Earnings VS Forward Price EarningsZBAI 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
ZBAI Per share dataZBAI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 0.2 -0.2 0.4

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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5. Dividend

5.1 Amount

ZBAI does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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ATIF HOLDINGS LTD

NASDAQ:ZBAI (5/15/2025, 4:30:02 PM)

1

-0.02 (-1.96%)

Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryProfessional Services
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst Owners0.09%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap17.32M
AnalystsN/A
Price TargetN/A
Short Float %1.18%
Short Ratio2.08
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr YearsN/A
Div Non Decr YearsN/A
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 25.85
P/FCF N/A
P/OCF N/A
P/B 2.2
P/tB 2.2
EV/EBITDA N/A
EPS(TTM)-0.38
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-0.07
FCFYN/A
OCF(TTM)-0.07
OCFYN/A
SpS0.04
BVpS0.45
TBVpS0.45
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -51.26%
ROE -56.28%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM N/A
ROA(3y)-72.69%
ROA(5y)-65.13%
ROE(3y)-143.55%
ROE(5y)-121.14%
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 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.08
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 11.21
Quick Ratio 11.21
Altman-Z 8.93
F-Score5
WACC9.05%
ROIC/WACCN/A
Cap/Depr(3y)22.35%
Cap/Depr(5y)34.81%
Cap/Sales(3y)2.27%
Cap/Sales(5y)20.01%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)19.82%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-270.45%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)67.5%
Revenue growth 3Y-12.95%
Revenue growth 5Y-27.43%
Sales Q2Q%700%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y46.18%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y94.61%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y94.83%
OCF growth 3YN/A
OCF growth 5YN/A