ZBAO Fundamental Analysis - ZHIBAO TECHNOLOGY INC

Fundamental Rating

Taking everything into account, ZBAO scores 4 out of 10 in our fundamental rating. ZBAO was compared to 146 industry peers in the Insurance industry. While ZBAO seems to be doing ok healthwise, there are quite some concerns on its profitability. ZBAO has a correct valuation and a medium growth rate.

Quickly go to:

1. Profitability

1.1 Basic Checks

In the past year ZBAO was profitable.

1.2 Ratios

Looking at the Return On Assets, with a value of 3.73%, ZBAO is in the better half of the industry, outperforming 75.34% of the companies in the same industry.

The Return On Equity of ZBAO (15.95%) is better than 74.66% of its industry peers.

The Return On Invested Capital of ZBAO (7.56%) is better than 90.41% of its industry peers.

		Industry Rank	Sector Rank
ROA	3.73%
ROE	15.95%
ROIC	7.56%

ROA(3y)-4.15%

ROA(5y)N/A

ROE(3y)-13.33%

ROE(5y)N/A

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

ZBAO has a Profit Margin of 3.56%. This is in the lower half of the industry: ZBAO underperforms 67.81% of its industry peers.

ZBAO has a worse Operating Margin (4.22%) than 77.40% of its industry peers.

With an excellent Gross Margin value of 35.55%, ZBAO belongs to the best of the industry, outperforming 91.10% of the companies in the same industry.

In the last couple of years the Gross Margin of ZBAO has declined.

		Industry Rank	Sector Rank
OM	4.22%
PM (TTM)	3.56%
GM	35.55%

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3Y-8.48%

GM growth 5YN/A

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so ZBAO is destroying value.

The number of shares outstanding for ZBAO has been increased compared to 1 year ago.

The debt/assets ratio for ZBAO has been reduced compared to a year ago.

2.2 Solvency

Based on the Altman-Z score of 1.42, we must say that ZBAO is in the distress zone and has some risk of bankruptcy.

ZBAO has a better Altman-Z score (1.42) than 82.19% of its industry peers.

A Debt/Equity ratio of 0.67 indicates that ZBAO is somewhat dependend on debt financing.

ZBAO has a Debt to Equity ratio of 0.67. This is amonst the worse of the industry: ZBAO underperforms 82.88% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.67
Debt/FCF	N/A
Altman-Z	1.42

ROIC/WACC0.87

WACC8.68%

2.3 Liquidity

ZBAO has a Current Ratio of 1.27. This is a normal value and indicates that ZBAO is financially healthy and should not expect problems in meeting its short term obligations.

ZBAO has a Current ratio of 1.27. This is amongst the best in the industry. ZBAO outperforms 82.19% of its industry peers.

ZBAO has a Quick Ratio of 1.27. This is a normal value and indicates that ZBAO is financially healthy and should not expect problems in meeting its short term obligations.

ZBAO has a better Quick ratio (1.27) than 82.19% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	1.27
Quick Ratio	1.27

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 119.81% over the past year.

ZBAO shows a strong growth in Revenue. In the last year, the Revenue has grown by 45.81%.

Measured over the past years, ZBAO shows a very strong growth in Revenue. The Revenue has been growing by 59.09% on average per year.

EPS 1Y (TTM)119.81%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%85.21%

Revenue 1Y (TTM)45.81%

Revenue growth 3Y59.09%

Revenue growth 5YN/A

Sales Q2Q%73.73%

3.2 Future

Based on estimates for the next years, ZBAO will show a very strong growth in Earnings Per Share. The EPS will grow by 69.56% on average per year.

The Revenue is expected to decrease by -46.22% on average over the next years. This is quite bad

EPS Next Y57.5%

EPS Next 2Y69.56%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year-79.42%

Revenue Next 2Y-46.22%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 20.60, which indicates a rather expensive current valuation of ZBAO.

Based on the Price/Earnings ratio, ZBAO is valued a bit more expensive than 70.55% of the companies in the same industry.

ZBAO is valuated rather cheaply when we compare the Price/Earnings ratio to 27.32, which is the current average of the S&P500 Index.

A Price/Forward Earnings ratio of 6.26 indicates a rather cheap valuation of ZBAO.

Based on the Price/Forward Earnings ratio, ZBAO is valued a bit cheaper than 76.71% of the companies in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 22.89. ZBAO is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	20.6
Fwd PE	6.26

4.2 Price Multiples

The rest of the industry has a similar Enterprise Value to EBITDA ratio as ZBAO.

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	11.99

4.3 Compensation for Growth

ZBAO's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

A more expensive valuation may be justified as ZBAO's earnings are expected to grow with 69.56% in the coming years.

PEG (NY)0.36

PEG (5Y)N/A

EPS Next 2Y69.56%

EPS Next 3YN/A

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

ZBAO does not give a dividend.

		Industry Rank	Sector Rank
Dividend Yield	N/A

More info and screens

Find the best dividend stocks

Show peers with best dividend

ZHIBAO TECHNOLOGY INC

NASDAQ:ZBAO (9/26/2025, 8:00:02 PM)

After market: 1.04 +0.01 (+0.97%)

1.03

+0.01 (+0.49%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)N/A N/A

Earnings (Next)N/A N/A

Inst Owners0.55%

Inst Owner ChangeN/A

Ins Owners1.32%

Ins Owner ChangeN/A

Market Cap33.01M

AnalystsN/A

Price TargetN/A

Short Float %0.24%

Short Ratio0.39

Dividend

		Industry Rank	Sector 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)0%

EPS NY rev (3m)0%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)-85.17%

Revenue NY rev (3m)-85.17%

Valuation

		Industry Rank	Sector Rank
PE	20.6
Fwd PE	6.26
P/S	0.71
P/FCF	N/A
P/OCF	N/A
P/B	3.2
P/tB	3.28
EV/EBITDA	11.99

EPS(TTM)0.05

EY4.85%

EPS(NY)0.16

Fwd EY15.99%

FCF(TTM)N/A

FCFYN/A

OCF(TTM)N/A

OCFYN/A

SpS1.45

BVpS0.32

TBVpS0.31

PEG (NY)0.36

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	3.73%
ROE	15.95%
ROCE	17.23%
ROIC	7.56%
ROICexc	9.64%
ROICexgc	9.83%
OM	4.22%
PM (TTM)	3.56%
GM	35.55%
FCFM	N/A

ROA(3y)-4.15%

ROA(5y)N/A

ROE(3y)-13.33%

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-8.48%

GM growth 5YN/A

F-ScoreN/A

Asset Turnover1.05

Health

		Industry Rank	Sector Rank
Debt/Equity	0.67
Debt/FCF	N/A
Debt/EBITDA	2.87
Cap/Depr	N/A
Cap/Sales	N/A
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	1.27
Quick Ratio	1.27
Altman-Z	1.42

F-ScoreN/A

WACC8.68%

ROIC/WACC0.87

Cap/Depr(3y)25.8%

Cap/Depr(5y)N/A

Cap/Sales(3y)0.59%

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)119.81%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%85.21%

EPS Next Y57.5%

EPS Next 2Y69.56%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)45.81%

Revenue growth 3Y59.09%

Revenue growth 5YN/A

Sales Q2Q%73.73%

Revenue Next Year-79.42%

Revenue Next 2Y-46.22%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y126.28%

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next Year695.73%

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-50.96%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-238.94%

OCF growth 3YN/A

OCF growth 5YN/A

ZHIBAO TECHNOLOGY INC (ZBAO) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

More info and screens