ATIF HOLDINGS LTD (ZBAI) Fundamental Analysis & Valuation

NASDAQ:ZBAI • VGG0602B1186

6.63 USD
+0.44 (+7.11%)
Last: Mar 5, 2026, 08:27 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This ZBAI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

3

Overall ZBAI gets a fundamental rating of 3 out of 10. We evaluated ZBAI against 88 industry peers in the Professional Services industry. While ZBAI has a great health rating, there are worries on its profitability. ZBAI is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

0

1. ZBAI Profitability Analysis

1.1 Basic Checks

  • ZBAI had negative earnings in the past year.
  • ZBAI had a negative operating cash flow in the past year.
  • In the past 5 years ZBAI always reported negative net income.
  • ZBAI had a negative operating cash flow in each of the past 5 years.
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 2025 0 -5M -10M

1.2 Ratios

  • ZBAI has a Return On Assets of -44.04%. This is amonst the worse of the industry: ZBAI underperforms 86.36% of its industry peers.
  • Looking at the Return On Equity, with a value of -47.58%, ZBAI is doing worse than 78.41% of the companies in the same industry.
Industry RankSector Rank
ROA -44.04%
ROE -47.58%
ROIC N/A
ROA(3y)-75.46%
ROA(5y)-67.44%
ROE(3y)-138.86%
ROE(5y)-113.55%
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 2025 0 50 -50 100 -100 -150

1.3 Margins

  • The Profit Margin and Operating Margin and Gross Margin are not available for ZBAI so they could not be analyzed.
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 2025 0 -500 -1K -1.5K -2K

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

8

2. ZBAI Health Analysis

2.1 Basic Checks

  • ZBAI does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • ZBAI has more shares outstanding than it did 1 year ago.
  • The number of shares outstanding for ZBAI has been increased compared to 5 years ago.
  • Compared to 1 year ago, ZBAI has an improved debt to assets ratio.
ZBAI Yearly Shares OutstandingZBAI Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 2025 200K 400K 600K 800K 1M
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 2025 10M 20M 30M 40M

2.2 Solvency

  • ZBAI has an Altman-Z score of 49.06. This indicates that ZBAI is financially healthy and has little risk of bankruptcy at the moment.
  • ZBAI's Altman-Z score of 49.06 is amongst the best of the industry. ZBAI outperforms 97.73% of its industry peers.
  • 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 49.06
ROIC/WACCN/A
WACC8.75%
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 2025 0 5M -5M 10M 15M

2.3 Liquidity

  • ZBAI has a Current Ratio of 13.45. This indicates that ZBAI is financially healthy and has no problem in meeting its short term obligations.
  • With an excellent Current ratio value of 13.45, ZBAI belongs to the best of the industry, outperforming 98.86% of the companies in the same industry.
  • ZBAI has a Quick Ratio of 13.45. This indicates that ZBAI is financially healthy and has no problem in meeting its short term obligations.
  • ZBAI's Quick ratio of 13.45 is amongst the best of the industry. ZBAI outperforms 98.86% of its industry peers.
Industry RankSector Rank
Current Ratio 13.45
Quick Ratio 13.45
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 2025 2M 4M 6M 8M 10M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. ZBAI Growth Analysis

3.1 Past

  • The earnings per share for ZBAI have decreased by -6.49% in the last year.
  • The Revenue has grown by 93.55% in the past year. This is a very strong growth!
  • The Revenue has been growing by 13.05% on average over the past years. This is quite good.
EPS 1Y (TTM)-6.49%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%63.47%
Revenue 1Y (TTM)93.55%
Revenue growth 3Y-10.43%
Revenue growth 5Y13.05%
Sales Q2Q%177.78%

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 2025 1M 2M 3M 4M 5M

More info and screens

Find the best growth stocksShow best growing peers

0

4. ZBAI Valuation Analysis

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 -2 -4

4.3 Compensation for Growth

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

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. ZBAI Dividend Analysis

5.1 Amount

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

More info and screens

Find the best dividend stocksShow peers with best dividend

ZBAI Fundamentals: All Metrics, Ratios and Statistics

ATIF HOLDINGS LTD

NASDAQ:ZBAI (3/5/2026, 8:27:45 PM)

6.63

+0.44 (+7.11%)

Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryProfessional Services
Earnings (Last)06-06
Earnings (Next)N/A
Inst Owners0.06%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap68.36M
Revenue(TTM)1.20M
Net Income(TTM)-4.60M
AnalystsN/A
Price TargetN/A
Short Float %0.02%
Short Ratio0.31
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 56.96
P/FCF N/A
P/OCF N/A
P/B 7.07
P/tB 7.07
EV/EBITDA N/A
EPS(TTM)-5.77
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-0.24
FCFYN/A
OCF(TTM)-0.24
OCFYN/A
SpS0.12
BVpS0.94
TBVpS0.94
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -44.04%
ROE -47.58%
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)-75.46%
ROA(5y)-67.44%
ROE(3y)-138.86%
ROE(5y)-113.55%
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 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.11
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 0%
Cap/Sales 0%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 13.45
Quick Ratio 13.45
Altman-Z 49.06
F-Score5
WACC8.75%
ROIC/WACCN/A
Cap/Depr(3y)1.52%
Cap/Depr(5y)23.89%
Cap/Sales(3y)0.27%
Cap/Sales(5y)3.7%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-6.49%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%63.47%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)93.55%
Revenue growth 3Y-10.43%
Revenue growth 5Y13.05%
Sales Q2Q%177.78%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y57.03%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-1856.53%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-1939.34%
OCF growth 3YN/A
OCF growth 5YN/A

ATIF HOLDINGS LTD / ZBAI FAQ

What is the fundamental rating for ZBAI stock?

ChartMill assigns a fundamental rating of 3 / 10 to ZBAI.


Can you provide the valuation status for ATIF HOLDINGS LTD?

ChartMill assigns a valuation rating of 0 / 10 to ATIF HOLDINGS LTD (ZBAI). This can be considered as Overvalued.


What is the profitability of ZBAI stock?

ATIF HOLDINGS LTD (ZBAI) has a profitability rating of 0 / 10.


How financially healthy is ATIF HOLDINGS LTD?

The financial health rating of ATIF HOLDINGS LTD (ZBAI) is 8 / 10.