0.8837 USD
-0.09 (-9.59%)
1.02 USD
+0.14 (+15.42%)
ZBAO gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 148 industry peers in the Insurance industry. While ZBAO seems to be doing ok healthwise, there are quite some concerns on its profitability. ZBAO is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!
1. Profitability
1.1 Basic Checks
ZBAO had positive earnings in the past year.
1.2 Ratios
ZBAO has a Return On Assets of 3.73%. This is in the better half of the industry: ZBAO outperforms 72.97% of its industry peers.
ZBAO has a Return On Equity of 15.95%. This is in the better half of the industry: ZBAO outperforms 72.30% of its industry peers.
Looking at the Return On Invested Capital, with a value of 7.56%, ZBAO belongs to the top of the industry, outperforming 88.51% of the companies in the same industry.
| 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: 73.65% of the companies in the same industry are doing better.
With a Operating Margin value of 4.22%, ZBAO is not doing good in the industry: 82.43% of the companies in the same industry are doing better.
ZBAO's Gross Margin of 35.55% is amongst the best of the industry. ZBAO outperforms 89.86% of its industry peers.
ZBAO's Gross Margin has declined in the last couple of years.
| 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), ZBAO is destroying value.
Compared to 1 year ago, ZBAO has more shares outstanding
Compared to 1 year ago, ZBAO has an improved debt to assets ratio.
2.2 Solvency
ZBAO has an Altman-Z score of 1.34. This is a bad value and indicates that ZBAO is not financially healthy and even has some risk of bankruptcy.
ZBAO has a Altman-Z score of 1.34. This is amongst the best in the industry. ZBAO outperforms 81.08% 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 80.41% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.67 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.34 |
ROIC/WACC0.86
WACC8.77%
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.
Looking at the Current ratio, with a value of 1.27, ZBAO belongs to the top of the industry, outperforming 83.11% of the companies in the same industry.
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.
With an excellent Quick ratio value of 1.27, ZBAO belongs to the best of the industry, outperforming 83.11% of the companies in the same industry.
| 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.
ZBAO shows a strong growth in Revenue. In the last year, the Revenue has grown by 45.81%.
The Revenue has been growing by 59.09% on average over the past years. This is a very strong growth!
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
Based on estimates for the next years, ZBAO will show a very strong growth in Revenue. The Revenue will grow by 40.55% on average per year.
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 correctly with a Price/Earnings ratio of 14.73.
Compared to the rest of the industry, the Price/Earnings ratio of ZBAO is on the same level as its industry peers.
When comparing the Price/Earnings ratio of ZBAO to the average of the S&P500 Index (26.59), we can say ZBAO is valued slightly cheaper.
With a Price/Forward Earnings ratio of 6.83, the valuation of ZBAO can be described as very cheap.
Based on the Price/Forward Earnings ratio, ZBAO is valued a bit cheaper than 78.38% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 24.03, ZBAO is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.73 | ||
| Fwd PE | 6.83 |
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 | 11.35 |
4.3 Compensation for Growth
ZBAO's earnings are expected to grow with 49.16% in the coming years. This may justify a more expensive valuation.
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 | 0% |
0.8837
-0.09 (-9.59%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners0.27%
Inst Owner ChangeN/A
Ins Owners1.32%
Ins Owner ChangeN/A
Market Cap28.32M
Revenue(TTM)330.04M
Net Income(TTM)11.74M
AnalystsN/A
Price TargetN/A
Short Float %0.24%
Short Ratio0.36
Dividend
| Industry Rank | Sector 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)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)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.73 | ||
| Fwd PE | 6.83 | ||
| P/S | 0.6 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2.7 | ||
| P/tB | 2.77 | ||
| EV/EBITDA | 11.35 |
EPS(TTM)0.06
EY6.79%
EPS(NY)0.13
Fwd EY14.65%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS1.47
BVpS0.33
TBVpS0.32
PEG (NY)N/A
PEG (5Y)N/A
Graham Number0.66
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 | 1.34 |
F-ScoreN/A
WACC8.77%
ROIC/WACC0.86
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 14.73 and the Price/Book (PB) ratio is 2.7.
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.