0.95 USD
-0.02 (-2.46%)
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. The financial health of ZBAO is average, but 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
- 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 73.29% of the companies in the same industry.
- ZBAO's Return On Equity of 15.95% is fine compared to the rest of the industry. ZBAO outperforms 72.60% of its industry peers.
- ZBAO's Return On Invested Capital of 7.56% is amongst the best of the industry. ZBAO outperforms 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
- The Profit Margin of ZBAO (3.56%) is worse than 72.60% 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 81.51% of its industry peers.
- ZBAO's Gross Margin of 35.55% is amongst the best of the industry. ZBAO outperforms 91.78% 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
- 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 1.38, we must say that ZBAO is in the distress zone and has some risk of bankruptcy.
- ZBAO has a better Altman-Z score (1.38) than 82.88% of its industry peers.
- A Debt/Equity ratio of 0.67 indicates that 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 79.45% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.67 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.38 |
ROIC/WACC0.85
WACC8.93%
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's Current ratio of 1.27 is amongst the best of the industry. ZBAO outperforms 83.56% 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.
- With an excellent Quick ratio value of 1.27, ZBAO belongs to the best of the industry, outperforming 83.56% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.27 | ||
| Quick Ratio | 1.27 |
3. Growth
3.1 Past
- ZBAO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 119.81%, which is quite impressive.
- Looking at the last year, ZBAO shows a very strong growth in Revenue. The Revenue has grown by 45.81%.
- ZBAO shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 59.09% yearly.
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
- Based on the Price/Earnings ratio of 15.83, the valuation of ZBAO can be described as correct.
- Based on the Price/Earnings ratio, ZBAO is valued a bit more expensive than 60.96% of the companies in the same industry.
- The average S&P500 Price/Earnings ratio is at 27.47. ZBAO is valued slightly cheaper when compared to this.
- ZBAO is valuated cheaply with a Price/Forward Earnings ratio of 7.29.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of ZBAO indicates a somewhat cheap valuation: ZBAO is cheaper than 75.34% of the companies listed in the same industry.
- When comparing the Price/Forward Earnings ratio of ZBAO to the average of the S&P500 Index (24.26), we can say ZBAO is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.83 | ||
| Fwd PE | 7.29 |
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 | 12.61 |
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 | 0% |
NASDAQ:ZBAO (1/16/2026, 8:00:02 PM)
0.95
-0.02 (-2.46%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-14 2025-11-14
Earnings (Next)N/A N/A
Inst Owners0.27%
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 %0.24%
Short Ratio0.29
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)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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.83 | ||
| Fwd PE | 7.29 | ||
| P/S | 0.64 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2.88 | ||
| P/tB | 2.96 | ||
| EV/EBITDA | 12.61 |
EPS(TTM)0.06
EY6.32%
EPS(NY)0.13
Fwd EY13.72%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS1.48
BVpS0.33
TBVpS0.32
PEG (NY)N/A
PEG (5Y)N/A
Graham Number0.67
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 | 1.38 |
F-ScoreN/A
WACC8.93%
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 for 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 earnings growth outlook for ZHIBAO TECHNOLOGY INC?
The Earnings per Share (EPS) of ZHIBAO TECHNOLOGY INC (ZBAO) is expected to decline by -57.5% in the next year.