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ATIF HOLDINGS LTD (ZBAI) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:ZBAI - VGG0602B1186 - Common Stock

6.94 USD
+0.13 (+1.96%)
Last: 1/9/2026, 8:00:02 PM
Fundamental Rating

3

Taking everything into account, ZBAI scores 3 out of 10 in our fundamental rating. ZBAI was compared to 86 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

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0

1. Profitability

1.1 Basic Checks

ZBAI had negative earnings in the past year.
ZBAI had a negative operating cash flow in the past year.
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 2025 0 -5M -10M

1.2 Ratios

ZBAI has a worse Return On Assets (-44.04%) than 87.21% of its industry peers.
ZBAI's Return On Equity of -47.58% is on the low side compared to the rest of the industry. ZBAI is outperformed by 77.91% of its industry peers.
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

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7

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 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

Based on the Altman-Z score of 1.62, we must say that ZBAI is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of ZBAI (1.62) is worse than 67.44% 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 1.62
ROIC/WACCN/A
WACC8.65%
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 100.00% 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.
The Quick ratio of ZBAI (13.45) is better than 100.00% 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

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3

3. Growth

3.1 Past

ZBAI shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -6.49%.
Looking at the last year, ZBAI shows a very strong growth in Revenue. The Revenue has grown by 93.55%.
Measured over the past years, ZBAI shows a quite strong growth in Revenue. The Revenue has been growing by 13.05% on average per year.
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

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0

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 5 -5

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 ZBAI!.
Industry RankSector Rank
Dividend Yield 0%

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ATIF HOLDINGS LTD

NASDAQ:ZBAI (1/9/2026, 8:00:02 PM)

6.94

+0.13 (+1.96%)

Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryProfessional Services
Earnings (Last)06-06 2025-06-06
Earnings (Next)N/A N/A
Inst Owners0.06%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap7.01M
Revenue(TTM)1.20M
Net Income(TTM)-4.60M
AnalystsN/A
Price TargetN/A
Short Float %0.71%
Short Ratio0.57
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 5.84
P/FCF N/A
P/OCF N/A
P/B 0.73
P/tB 0.73
EV/EBITDA N/A
EPS(TTM)-5.77
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-2.43
FCFYN/A
OCF(TTM)-2.43
OCFYN/A
SpS1.19
BVpS9.57
TBVpS9.57
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 1.62
F-Score5
WACC8.65%
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 7 / 10.