ZBAO Fundamental Analysis - ZHIBAO TECHNOLOGY INC

Fundamental Rating

Overall ZBAO gets a fundamental rating of 4 out of 10. We evaluated ZBAO against 144 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!

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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 78.47% of its industry peers.

ZBAO's Return On Equity of 15.95% is fine compared to the rest of the industry. ZBAO outperforms 77.08% 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 88.89% 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's Profit Margin of 3.56% is on the low side compared to the rest of the industry. ZBAO is outperformed by 72.22% of its industry peers.

Looking at the Operating Margin, with a value of 4.22%, ZBAO is doing worse than 80.56% of the companies in the same industry.

ZBAO's Gross Margin of 35.55% is amongst the best of the industry. ZBAO outperforms 90.97% 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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so 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

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.

The Altman-Z score of ZBAO (1.38) is better than 83.33% of its industry peers.

A Debt/Equity ratio of 0.67 indicates that ZBAO is somewhat dependend on debt financing.

With a Debt to Equity ratio value of 0.67, ZBAO is not doing good in the industry: 81.25% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
Debt/Equity	0.67
Debt/FCF	N/A
Altman-Z	1.38

ROIC/WACC0.7

WACC10.73%

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 84.72% 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.

ZBAO has a Quick ratio of 1.27. This is amongst the best in the industry. ZBAO outperforms 84.72% 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

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

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

A Price/Earnings ratio of 18.92 indicates a rather expensive valuation of ZBAO.

65.28% of the companies in the same industry are cheaper than ZBAO, based on the Price/Earnings ratio.

ZBAO is valuated rather cheaply when we compare the Price/Earnings ratio to 27.28, which is the current average of the S&P500 Index.

ZBAO is valuated cheaply with a Price/Forward Earnings ratio of 5.78.

Based on the Price/Forward Earnings ratio, ZBAO is valued a bit cheaper than the industry average as 75.69% of the companies are valued more expensively.

ZBAO's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.76.

		Industry Rank	Sector Rank
PE	18.92
Fwd PE	5.78

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	11.02

4.3 Compensation for Growth

ZBAO's 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)0.33

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 (7/2/2025, 8:06:49 PM)

Premarket: 0.96 +0.01 (+1.46%)

0.9462

+0.05 (+5.15%)

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 Cap30.33M

AnalystsN/A

Price TargetN/A

Short Float %0.19%

Short Ratio0.08

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	18.92
Fwd PE	5.78
P/S	0.66
P/FCF	N/A
P/OCF	N/A
P/B	2.95
P/tB	3.03
EV/EBITDA	11.02

EPS(TTM)0.05

EY5.28%

EPS(NY)0.16

Fwd EY17.29%

FCF(TTM)N/A

FCFYN/A

OCF(TTM)N/A

OCFYN/A

SpS1.44

BVpS0.32

TBVpS0.31

PEG (NY)0.33

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	1.38

F-ScoreN/A

WACC10.73%

ROIC/WACC0.7

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

More info and screens

5. Dividend

5.1 Amount

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