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ZHIBAO TECHNOLOGY INC (ZBAO) Stock Fundamental Analysis

NASDAQ:ZBAO - Nasdaq - KYG989MC1063 - Common Stock - Currency: USD

1.11  +0.01 (+0.91%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to ZBAO. ZBAO was compared to 143 industry peers in the Insurance industry. The financial health of ZBAO is average, but there are quite some concerns on its profitability. ZBAO is not priced too expensively while it is growing strongly. Keep and eye on this one!


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

ZBAO had positive earnings in the past year.
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 0 10M -10M -20M -30M -40M

1.2 Ratios

ZBAO has a Return On Assets of 3.73%. This is in the better half of the industry: ZBAO outperforms 77.62% of its industry peers.
ZBAO has a better Return On Equity (15.95%) than 75.52% 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 89.51% of the companies in the same industry.
Industry RankSector 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
ZBAO Yearly ROA, ROE, ROICZBAO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2021 2022 2023 2024 0 500 1K 1.5K

1.3 Margins

With a Profit Margin value of 3.56%, ZBAO is not doing good in the industry: 75.52% of the companies in the same industry are doing better.
With a Operating Margin value of 4.22%, ZBAO is not doing good in the industry: 81.12% of the companies in the same industry are doing better.
The Gross Margin of ZBAO (35.55%) is better than 91.61% of its industry peers.
ZBAO's Gross Margin has declined in the last couple of years.
Industry RankSector 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
ZBAO Yearly Profit, Operating, Gross MarginsZBAO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2021 2022 2023 2024 0 20 -20 40 -40 -60 -80

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4

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), ZBAO is destroying value.
The number of shares outstanding for ZBAO has been increased compared to 1 year ago.
Compared to 1 year ago, ZBAO has an improved debt to assets ratio.
ZBAO Yearly Shares OutstandingZBAO Yearly Shares OutstandingYearly Shares Outstanding 2021 2022 2023 2024 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 50M 100M 150M 200M

2.2 Solvency

ZBAO has an Altman-Z score of 1.47. 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 1.47 is amongst the best of the industry. ZBAO outperforms 83.92% of its industry peers.
A Debt/Equity ratio of 0.67 indicates that ZBAO is somewhat dependend on debt financing.
ZBAO has a worse Debt to Equity ratio (0.67) than 81.12% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.67
Debt/FCF N/A
Altman-Z 1.47
ROIC/WACC0.97
WACC7.79%
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 0 20M 40M 60M

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.
The Current ratio of ZBAO (1.27) is better than 83.22% 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.
The Quick ratio of ZBAO (1.27) is better than 83.22% of its industry peers.
Industry RankSector Rank
Current Ratio 1.27
Quick Ratio 1.27
ZBAO Yearly Current Assets VS Current LiabilitesZBAO Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2021 2022 2023 2024 50M 100M 150M

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8

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.
The Revenue has grown by 45.81% in the past year. This is a very strong growth!
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

Based on estimates for the next years, ZBAO will show a very strong growth in Earnings Per Share. The EPS will grow by 69.56% on average per year.
ZBAO is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 36.51% yearly.
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

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.
ZBAO Yearly Revenue VS EstimatesZBAO Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2021 2022 2023 2024 2025 2026 100M 200M 300M 400M
ZBAO Yearly EPS VS EstimatesZBAO Yearly EPS VS EstimatesYearly EPS VS Estimates 2024 2025 2026 0.2 0.4 0.6 0.8 1

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5

4. Valuation

4.1 Price/Earnings Ratio

ZBAO is valuated rather expensively with a Price/Earnings ratio of 22.20.
ZBAO's Price/Earnings ratio is a bit more expensive when compared to the industry. ZBAO is more expensive than 66.43% of the companies in the same industry.
When comparing the Price/Earnings ratio of ZBAO to the average of the S&P500 Index (26.60), we can say ZBAO is valued inline with the index average.
ZBAO is valuated cheaply with a Price/Forward Earnings ratio of 6.82.
Based on the Price/Forward Earnings ratio, ZBAO is valued a bit cheaper than 74.83% of the companies in the same industry.
ZBAO's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.43.
Industry RankSector Rank
PE 22.2
Fwd PE 6.82
ZBAO Price Earnings VS Forward Price EarningsZBAO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

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 RankSector Rank
P/FCF N/A
EV/EBITDA 13.17
ZBAO Per share dataZBAO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0.5 1

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)0.39
PEG (5Y)N/A
EPS Next 2Y69.56%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

ZBAO does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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ZHIBAO TECHNOLOGY INC

NASDAQ:ZBAO (5/20/2025, 8:00:02 PM)

1.11

+0.01 (+0.91%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst Owners0.1%
Inst Owner ChangeN/A
Ins Owners1.36%
Ins Owner ChangeN/A
Market Cap35.58M
AnalystsN/A
Price TargetN/A
Short Float %1.59%
Short Ratio0.51
Dividend
Industry RankSector 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 RankSector Rank
PE 22.2
Fwd PE 6.82
P/S 0.78
P/FCF N/A
P/OCF N/A
P/B 3.49
P/tB 3.58
EV/EBITDA 13.17
EPS(TTM)0.05
EY4.5%
EPS(NY)0.16
Fwd EY14.65%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS1.43
BVpS0.32
TBVpS0.31
PEG (NY)0.39
PEG (5Y)N/A
Profitability
Industry RankSector 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 RankSector 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 1.47
F-ScoreN/A
WACC7.79%
ROIC/WACC0.97
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