ZHIBAO TECHNOLOGY INC (ZBAO) Stock Fundamental Analysis

NASDAQ:ZBAO • KYG989MC1063

0.71 USD
-0.03 (-4.57%)
Last: Feb 23, 2026, 03:49 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

ZBAO gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 150 industry peers in the Insurance industry. Both the profitability and financial health of ZBAO have multiple concerns. ZBAO is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

1

1. Profitability

1.1 Basic Checks

  • In the past year ZBAO has reported negative net income.
  • In the past year ZBAO has reported a negative cash flow from operations.
  • In multiple years ZBAO reported negative net income over the last 5 years.
  • ZBAO had a negative operating cash flow in each of the past 5 years.
ZBAO Yearly Net Income VS EBIT VS OCF VS FCFZBAO Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2021 2022 2023 2024 2025 0 -20M -40M -60M

1.2 Ratios

  • With a Return On Assets value of -37.21%, ZBAO is not doing good in the industry: 94.67% of the companies in the same industry are doing better.
  • ZBAO has a Return On Equity of -257.29%. This is amonst the worse of the industry: ZBAO underperforms 93.33% of its industry peers.
Industry RankSector Rank
ROA -37.21%
ROE -257.29%
ROIC N/A
ROA(3y)-21.21%
ROA(5y)-20.42%
ROE(3y)-122.49%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ZBAO Yearly ROA, ROE, ROICZBAO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2021 2022 2023 2024 2025 0 500 1K 1.5K

1.3 Margins

  • ZBAO has a Gross Margin of 36.88%. This is amongst the best in the industry. ZBAO outperforms 91.33% of its industry peers.
  • ZBAO's Gross Margin has declined in the last couple of years.
  • The Profit Margin and Operating Margin are not available for ZBAO so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 36.88%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-2.01%
GM growth 5YN/A
ZBAO Yearly Profit, Operating, Gross MarginsZBAO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2021 2022 2023 2024 2025 0 20 -20 40 -40 -60 -80

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • ZBAO does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • ZBAO has more shares outstanding than it did 1 year ago.
  • ZBAO has a better debt/assets ratio than last year.
ZBAO Yearly Shares OutstandingZBAO Yearly Shares OutstandingYearly Shares Outstanding 2021 2022 2023 2024 2025 10M 20M 30M
ZBAO Yearly Total Debt VS Total AssetsZBAO Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2021 2022 2023 2024 2025 50M 100M 150M 200M

2.2 Solvency

  • ZBAO has an Altman-Z score of 0.63. This is a bad value and indicates that ZBAO is not financially healthy and even has some risk of bankruptcy.
  • ZBAO has a better Altman-Z score (0.63) than 76.00% of its industry peers.
  • A Debt/Equity ratio of 1.08 is on the high side and indicates that ZBAO has dependencies on debt financing.
  • With a Debt to Equity ratio value of 1.08, ZBAO is not doing good in the industry: 87.33% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 1.08
Debt/FCF N/A
Altman-Z 0.63
ROIC/WACCN/A
WACC5.11%
ZBAO Yearly LT Debt VS Equity VS FCFZBAO Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2021 2022 2023 2024 2025 0 20M -20M 40M 60M

2.3 Liquidity

  • A Current Ratio of 1.00 indicates that ZBAO should not have too much problems paying its short term obligations.
  • With a decent Current ratio value of 1.00, ZBAO is doing good in the industry, outperforming 80.00% of the companies in the same industry.
  • A Quick Ratio of 1.00 indicates that ZBAO should not have too much problems paying its short term obligations.
  • With a decent Quick ratio value of 1.00, ZBAO is doing good in the industry, outperforming 80.00% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1
Quick Ratio 1
ZBAO Yearly Current Assets VS Current LiabilitesZBAO Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2021 2022 2023 2024 2025 50M 100M 150M

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

6

3. Growth

3.1 Past

  • ZBAO shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -1875.60%.
  • ZBAO shows a strong growth in Revenue. In the last year, the Revenue has grown by 58.00%.
  • Measured over the past years, ZBAO shows a very strong growth in Revenue. The Revenue has been growing by 36.78% on average per year.
EPS 1Y (TTM)-1875.6%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-544.29%
Revenue 1Y (TTM)58%
Revenue growth 3Y36.78%
Revenue growth 5YN/A
Sales Q2Q%50.78%

3.2 Future

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • The Revenue is expected to grow by 267.30% on average over the next years. This is a very strong growth
EPS Next Y423.53%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year40.53%
Revenue Next 2Y267.3%
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.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
ZBAO Yearly Revenue VS EstimatesZBAO Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M
ZBAO Yearly EPS VS EstimatesZBAO Yearly EPS VS EstimatesYearly EPS VS Estimates 2024 2025 2026 0.2 0.4 0.6 0.8

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Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings Ratio is negative for ZBAO. In the last year negative earnings were reported.
  • A Price/Forward Earnings ratio of 5.40 indicates a rather cheap valuation of ZBAO.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of ZBAO indicates a somewhat cheap valuation: ZBAO is cheaper than 78.67% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.02, ZBAO is valued rather cheaply.
Industry RankSector Rank
PE N/A
Fwd PE 5.4
ZBAO Price Earnings VS Forward Price EarningsZBAO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 20 30

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
ZBAO Per share dataZBAO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 0.5 1 1.5

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
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. Dividend

5.1 Amount

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

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Find the best dividend stocksShow peers with best dividend

ZHIBAO TECHNOLOGY INC

NASDAQ:ZBAO (2/23/2026, 3:49:05 PM)

0.71

-0.03 (-4.57%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-14
Earnings (Next)N/A
Inst Owners0.27%
Inst Owner ChangeN/A
Ins Owners1.32%
Ins Owner ChangeN/A
Market Cap23.62M
Revenue(TTM)423.31M
Net Income(TTM)-63.54M
AnalystsN/A
Price TargetN/A
Short Float %0.89%
Short Ratio0.78
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)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 5.4
P/S 0.39
P/FCF N/A
P/OCF N/A
P/B 6.61
P/tB 7.05
EV/EBITDA N/A
EPS(TTM)-0.29
EYN/A
EPS(NY)0.13
Fwd EY18.51%
FCF(TTM)-0.09
FCFYN/A
OCF(TTM)-0.09
OCFYN/A
SpS1.84
BVpS0.11
TBVpS0.1
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -37.21%
ROE -257.29%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 36.88%
FCFM N/A
ROA(3y)-21.21%
ROA(5y)-20.42%
ROE(3y)-122.49%
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-2.01%
GM growth 5YN/A
F-Score3
Asset Turnover2.48
Health
Industry RankSector Rank
Debt/Equity 1.08
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 1
Quick Ratio 1
Altman-Z 0.63
F-Score3
WACC5.11%
ROIC/WACCN/A
Cap/Depr(3y)82.13%
Cap/Depr(5y)65.92%
Cap/Sales(3y)0.53%
Cap/Sales(5y)0.53%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-1875.6%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-544.29%
EPS Next Y423.53%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)58%
Revenue growth 3Y36.78%
Revenue growth 5YN/A
Sales Q2Q%50.78%
Revenue Next Year40.53%
Revenue Next 2Y267.3%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-2977.77%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year10083.4%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-369.74%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-442.78%
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 3 / 10 to ZBAO.


What is the valuation status for ZBAO stock?

ChartMill assigns a valuation rating of 3 / 10 to ZHIBAO TECHNOLOGY INC (ZBAO). This can be considered as Overvalued.


How profitable is ZHIBAO TECHNOLOGY INC (ZBAO) stock?

ZHIBAO TECHNOLOGY INC (ZBAO) has a profitability rating of 1 / 10.


What is the earnings growth outlook for ZHIBAO TECHNOLOGY INC?

The Earnings per Share (EPS) of ZHIBAO TECHNOLOGY INC (ZBAO) is expected to grow by 423.53% in the next year.