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. The financial health of ZBAO is average, but there are quite some concerns on its profitability. ZBAO is growing strongly while it is still valued neutral. This is a good combination!

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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 79.02% of its industry peers.

ZBAO's Return On Equity of 15.95% is fine compared to the rest of the industry. ZBAO outperforms 78.32% of its industry peers.

ZBAO has a Return On Invested Capital of 7.56%. This is amongst the best in the industry. ZBAO outperforms 88.81% 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

With a Profit Margin value of 3.56%, ZBAO is not doing good in the industry: 71.33% 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: 80.42% of the companies in the same industry are doing better.

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

ZBAO has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it 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 1.47. This is a bad value and indicates that ZBAO is not financially healthy and even has some risk of bankruptcy.

Looking at the Altman-Z score, with a value of 1.47, ZBAO belongs to the top of the industry, outperforming 83.92% of the companies in the same industry.

ZBAO has a Debt/Equity ratio of 0.67. This is a neutral value indicating 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 Rank	Sector Rank
Debt/Equity	0.67
Debt/FCF	N/A
Altman-Z	1.47

ROIC/WACC0.97

WACC7.8%

2.3 Liquidity

A Current Ratio of 1.27 indicates that ZBAO should not have too much problems paying its short term obligations.

ZBAO has a Current ratio of 1.27. This is amongst the best in the industry. ZBAO outperforms 84.62% 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 84.62% of the companies in the same industry.

		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.

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

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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 21.60 indicates a rather expensive valuation of ZBAO.

Based on the Price/Earnings ratio, ZBAO is valued a bit more expensive than the industry average as 67.83% of the companies are valued more cheaply.

Compared to an average S&P500 Price/Earnings ratio of 26.59, ZBAO is valued at the same level.

With a Price/Forward Earnings ratio of 6.61, the valuation of ZBAO can be described as very cheap.

Based on the Price/Forward Earnings ratio, ZBAO is valued a bit cheaper than 72.73% of the companies in the same industry.

When comparing the Price/Forward Earnings ratio of ZBAO to the average of the S&P500 Index (22.39), we can say ZBAO is valued rather cheaply.

		Industry Rank	Sector Rank
PE	21.6
Fwd PE	6.61

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	13.09

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.

A more expensive valuation may be justified as ZBAO's earnings are expected to grow with 69.56% in the coming years.

PEG (NY)0.38

PEG (5Y)N/A

EPS Next 2Y69.56%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

No dividends for ZBAO!.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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ZHIBAO TECHNOLOGY INC

NASDAQ:ZBAO (6/10/2025, 8:18:21 PM)

1.08

-0.02 (-1.74%)

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 Cap34.61M

AnalystsN/A

Price TargetN/A

Short Float %1.51%

Short Ratio0.44

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	21.6
Fwd PE	6.61
P/S	0.75
P/FCF	N/A
P/OCF	N/A
P/B	3.38
P/tB	3.47
EV/EBITDA	13.09

EPS(TTM)0.05

EY4.63%

EPS(NY)0.16

Fwd EY15.12%

FCF(TTM)N/A

FCFYN/A

OCF(TTM)N/A

OCFYN/A

SpS1.43

BVpS0.32

TBVpS0.31

PEG (NY)0.38

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	1.47

F-ScoreN/A

WACC7.8%

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

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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