1.27 USD
+0.33 (+35.11%)
1.1999 USD
-0.07 (-5.52%)
ZBAO gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 148 industry peers in the Insurance industry. The financial health of ZBAO is average, but there are quite some concerns on its profitability. ZBAO is valued quite expensively, but it does show have an excellent growth rating.
1. Profitability
1.1 Basic Checks
In the past year ZBAO was profitable.
1.2 Ratios
ZBAO's Return On Assets of 3.73% is fine compared to the rest of the industry. ZBAO outperforms 72.30% of its industry peers.
ZBAO's Return On Equity of 15.95% is fine compared to the rest of the industry. ZBAO outperforms 70.95% 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 89.19% 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
ZBAO has a worse Profit Margin (3.56%) than 75.00% of its industry peers.
ZBAO's Operating Margin of 4.22% is on the low side compared to the rest of the industry. ZBAO is outperformed by 83.11% of its industry peers.
ZBAO has a better Gross Margin (35.55%) than 90.54% 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
ZBAO has an Altman-Z score of 1.37. This is a bad value and indicates that ZBAO is not financially healthy and even has some risk of bankruptcy.
ZBAO's Altman-Z score of 1.37 is amongst the best of the industry. ZBAO outperforms 81.08% 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.
ZBAO's Debt to Equity ratio of 0.67 is on the low side compared to the rest of the industry. ZBAO is outperformed by 81.76% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.67 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.37 |
ROIC/WACC0.88
WACC8.56%
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.
With an excellent Current ratio value of 1.27, ZBAO belongs to the best of the industry, outperforming 83.11% of the companies in the same industry.
A Quick Ratio of 1.27 indicates that ZBAO should not have too much problems paying 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.
Looking at the last year, ZBAO shows a very strong growth in Revenue. 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
ZBAO is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 49.16% yearly.
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
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 25.40, ZBAO can be considered very expensive at the moment.
68.24% of the companies in the same industry are cheaper than ZBAO, based on the Price/Earnings ratio.
ZBAO is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 26.11, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 9.90, the valuation of ZBAO can be described as very reasonable.
Based on the Price/Forward Earnings ratio, ZBAO is valued a bit cheaper than 73.65% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of ZBAO to the average of the S&P500 Index (36.21), we can say ZBAO is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.4 | ||
| Fwd PE | 9.9 |
4.2 Price Multiples
ZBAO's Enterprise Value to EBITDA ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 12.32 |
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
ZBAO does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
1.27
+0.33 (+35.11%)
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 Cap40.70M
Revenue(TTM)330.04M
Net Income(TTM)11.74M
AnalystsN/A
Price TargetN/A
Short Float %0.22%
Short Ratio0.98
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 | 25.4 | ||
| Fwd PE | 9.9 | ||
| P/S | 0.87 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 3.91 | ||
| P/tB | 4.02 | ||
| EV/EBITDA | 12.32 |
EPS(TTM)0.05
EY3.94%
EPS(NY)0.13
Fwd EY10.1%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS1.46
BVpS0.32
TBVpS0.32
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 | 1.37 |
F-ScoreN/A
WACC8.56%
ROIC/WACC0.88
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 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 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 25.4 and the Price/Book (PB) ratio is 3.91.
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.