ZHIBAO TECHNOLOGY INC (ZBAO) Stock Fundamental Analysis
USA - NASDAQ:ZBAO - KYG989MC1063 - Common Stock
0.95 USD
-0.05 (-5%)
Overall ZBAO gets a fundamental rating of 4 out of 10. We evaluated ZBAO against 146 industry peers in the Insurance industry. While ZBAO seems to be doing ok healthwise, there are quite some concerns on its profitability. ZBAO is growing strongly while it is still valued neutral. This is a good combination!
1. Profitability
1.1 Basic Checks
In the past year ZBAO was profitable.
1.2 Ratios
ZBAO has a Return On Assets of 3.73%. This is in the better half of the industry: ZBAO outperforms 75.34% of its industry peers.
ZBAO has a Return On Equity of 15.95%. This is in the better half of the industry: ZBAO outperforms 73.29% of its industry peers.
The Return On Invested Capital of ZBAO (7.56%) is better than 89.04% 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
With a Profit Margin value of 3.56%, ZBAO is not doing good in the industry: 71.92% of the companies in the same industry are doing better.
The Operating Margin of ZBAO (4.22%) is worse than 81.51% of its industry peers.
ZBAO has a Gross Margin of 35.55%. This is amongst the best in the industry. ZBAO outperforms 91.10% of its industry peers.
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
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so ZBAO is destroying value.
ZBAO has more shares outstanding than it did 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 1.41, we must say that ZBAO is in the distress zone and has some risk of bankruptcy.
ZBAO has a Altman-Z score of 1.41. This is amongst the best in the industry. ZBAO outperforms 82.19% of its industry peers.
ZBAO has a Debt/Equity ratio of 0.67. This is a neutral value indicating ZBAO is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.67, ZBAO is doing worse than 82.19% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.67 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.41 |
ROIC/WACC0.85
WACC8.86%
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.
The Current ratio of ZBAO (1.27) is better than 82.88% of its industry peers.
A Quick Ratio of 1.27 indicates that ZBAO should not have too much problems paying its short term obligations.
ZBAO has a better Quick ratio (1.27) than 82.88% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.27 | ||
| Quick Ratio | 1.27 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 119.81% over the past year.
Looking at the last year, ZBAO shows a very strong growth in Revenue. 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
The Earnings Per Share is expected to grow by 49.16% on average over the next years. This is a very strong growth
ZBAO is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 40.55% yearly.
EPS Next Y-57.5%
EPS Next 2Y49.16%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-79.42%
Revenue Next 2Y-46.22%
Revenue Next 3Y40.55%
Revenue Next 5YN/A
3.3 Evolution
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
ZBAO is valuated rather expensively with a Price/Earnings ratio of 19.00.
Compared to the rest of the industry, the Price/Earnings ratio of ZBAO indicates a slightly more expensive valuation: ZBAO is more expensive than 70.55% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of ZBAO to the average of the S&P500 Index (26.13), we can say ZBAO is valued slightly cheaper.
A Price/Forward Earnings ratio of 7.46 indicates a rather cheap valuation of ZBAO.
Based on the Price/Forward Earnings ratio, ZBAO is valued a bit cheaper than the industry average as 70.55% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.35, ZBAO is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19 | ||
| Fwd PE | 7.46 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of ZBAO is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 13.33 |
4.3 Compensation for Growth
A more expensive valuation may be justified as ZBAO's earnings are expected to grow with 49.16% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y49.16%
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for ZBAO!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NASDAQ:ZBAO (11/5/2025, 5:32:04 PM)
0.95
-0.05 (-5%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners0.55%
Inst Owner ChangeN/A
Ins Owners1.32%
Ins Owner ChangeN/A
Market Cap30.45M
Revenue(TTM)330.04M
Net Income(TTM)11.74M
AnalystsN/A
Price TargetN/A
Short Float %0.21%
Short Ratio0.99
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)-73.02%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-85.17%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19 | ||
| Fwd PE | 7.46 | ||
| P/S | 0.66 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2.95 | ||
| P/tB | 3.03 | ||
| EV/EBITDA | 13.33 |
EPS(TTM)0.05
EY5.26%
EPS(NY)0.13
Fwd EY13.41%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS1.45
BVpS0.32
TBVpS0.31
PEG (NY)N/A
PEG (5Y)N/A
Graham Number0.6
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
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 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 | 3.28 | ||
| 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 | 1.41 |
F-ScoreN/A
WACC8.86%
ROIC/WACC0.85
Cap/Depr(3y)90.91%
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 Y-57.5%
EPS Next 2Y49.16%
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 3Y40.55%
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 FAQ
What is the ChartMill fundamental rating of ZHIBAO TECHNOLOGY INC (ZBAO) stock?
ChartMill assigns a fundamental rating of 4 / 10 to ZBAO.
What is the valuation status of ZHIBAO TECHNOLOGY INC (ZBAO) stock?
ChartMill assigns a valuation rating of 4 / 10 to ZHIBAO TECHNOLOGY INC (ZBAO). This can be considered as Fairly Valued.
How profitable is ZHIBAO TECHNOLOGY INC (ZBAO) stock?
ZHIBAO TECHNOLOGY INC (ZBAO) has a profitability rating of 3 / 10.
What is the valuation of ZHIBAO TECHNOLOGY INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for ZHIBAO TECHNOLOGY INC (ZBAO) is 19 and the Price/Book (PB) ratio is 2.95.
What is the expected EPS growth for ZHIBAO TECHNOLOGY INC (ZBAO) stock?
The Earnings per Share (EPS) of ZHIBAO TECHNOLOGY INC (ZBAO) is expected to decline by -57.5% in the next year.