ZBAO Fundamental Analysis - ZHIBAO TECHNOLOGY INC

Fundamental Rating

Taking everything into account, ZBAO scores 4 out of 10 in our fundamental rating. ZBAO was compared to 143 industry peers in the Insurance industry. ZBAO scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. ZBAO is not priced too expensively while it is growing strongly. Keep and eye on this one!

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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 76.22% of its industry peers.

ZBAO has a better Return On Equity (15.95%) than 74.13% 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 90.91% 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 Profit Margin of 3.56%. This is in the lower half of the industry: ZBAO underperforms 66.43% of its industry peers.

ZBAO has a Operating Margin of 4.22%. This is in the lower half of the industry: ZBAO underperforms 76.92% of its industry peers.

ZBAO has a Gross Margin of 35.55%. This is amongst the best in the industry. ZBAO outperforms 90.91% 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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), 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 1.42. 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 1.42. This is amongst the best in the industry. ZBAO outperforms 85.31% 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.

The Debt to Equity ratio of ZBAO (0.67) is worse than 82.52% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.67
Debt/FCF	N/A
Altman-Z	1.42

ROIC/WACC0.86

WACC8.81%

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 82.52% 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 82.52% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	1.27
Quick Ratio	1.27

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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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%.

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

ZBAO is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 69.56% yearly.

The Revenue is expected to grow by 36.51% on average over the next years. This is a very strong growth

EPS Next Y57.5%

EPS Next 2Y69.56%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year38.78%

Revenue Next 2Y36.51%

Revenue Next 3YN/A

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.

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4. Valuation

4.1 Price/Earnings Ratio

ZBAO is valuated rather expensively with a Price/Earnings ratio of 20.30.

Based on the Price/Earnings ratio, ZBAO is valued a bit more expensive than 69.23% of the companies in the same industry.

ZBAO is valuated rather cheaply when we compare the Price/Earnings ratio to 27.14, which is the current average of the S&P500 Index.

Based on the Price/Forward Earnings ratio of 6.19, the valuation of ZBAO can be described as very cheap.

Compared to the rest of the industry, the Price/Forward Earnings ratio of ZBAO indicates a somewhat cheap valuation: ZBAO is cheaper than 76.92% of the companies listed in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 22.80. ZBAO is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	20.3
Fwd PE	6.19

4.2 Price Multiples

ZBAO's Enterprise Value to EBITDA is on the same level as the industry average.

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	11.99

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.

ZBAO's earnings are expected to grow with 69.56% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.35

PEG (5Y)N/A

EPS Next 2Y69.56%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

ZBAO does not give a dividend.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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ZHIBAO TECHNOLOGY INC

NASDAQ:ZBAO (8/27/2025, 8:24:41 PM)

After market: 1 -0.01 (-1.48%)

1.015

-0.01 (-0.49%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)N/A N/A

Earnings (Next)N/A N/A

Inst Owners0.08%

Inst Owner ChangeN/A

Ins Owners1.32%

Ins Owner ChangeN/A

Market Cap32.53M

AnalystsN/A

Price TargetN/A

Short Float %0.25%

Short Ratio0.23

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)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	20.3
Fwd PE	6.19
P/S	0.71
P/FCF	N/A
P/OCF	N/A
P/B	3.16
P/tB	3.25
EV/EBITDA	11.99

EPS(TTM)0.05

EY4.93%

EPS(NY)0.16

Fwd EY16.15%

FCF(TTM)N/A

FCFYN/A

OCF(TTM)N/A

OCFYN/A

SpS1.44

BVpS0.32

TBVpS0.31

PEG (NY)0.35

PEG (5Y)N/A

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

ROICexcg growth 3YN/A

ROICexcg 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	2.87
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	1.42

F-ScoreN/A

WACC8.81%

ROIC/WACC0.86

Cap/Depr(3y)25.8%

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 Y57.5%

EPS Next 2Y69.56%

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 Year38.78%

Revenue Next 2Y36.51%

Revenue Next 3YN/A

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) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

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