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Company Analysis

Zhibao Technology Inc. ZBAO

A comprehensive view of key metrics, scores, and financial health for Zhibao Technology Inc.

Overview of Zhibao Technology Inc.

ZBAO NCM
Financial Services Insurance Brokers Framework: Insurance & Reinsurance Micro Cap
Zhibao Technology Inc. (ZBAO), is a Micro Cap company, in the Insurance Brokers industry, last closed at $0.16, about 298.2% undervalued vs fair value, -85.4% 1Y return, ranked 979/1078 in sector.
Metrics Rev Growth 51.8% ROE -25.5% Gross Margin 39.9%
USD 0.16
-6.37%
(Delayed)
• Vol 90d: 182.5%
52-Week Range
Market Cap
$10.08M
Enterprise Value
$12.33M
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Weak
Valuation
Weak
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Weak
Valuation
Weak
Completeness: 76%
Confidence: 52%
Updated: Sep 12
Top Beats

Quick Facts

Website https://www.zhibao-tech.com
HQ Shanghai
Employees 137
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$0
$1
$1
Current: $0.16 +298% vs base

Engine Room Money Flow™

Micro Cap

Insurance & Reinsurance - Where revenue goes and how value is created

Flow Steps
Total Revenue
$38.4M
51.8%%
Claims & Losses
$-23.1M
54%%
Acquisition & Admin Expenses
$-2.5M
Underwriting Result
$-7.3M
-624.3%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Insurance & Reinsurance

Quality & Reliability Indicators

Loss Ratio
60.2%
Good

Claims & Losses / Revenue — core underwriting discipline metric; lower is better

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$729.6K

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
Analysis based on partial data. Some metrics unavailable for complete assessment.
1
Active Leaks
1/1
Improving
0
High Impact
0
Critical
Moat Analysis Insurance & Reinsurance

Competitive Advantage Assessment

Evaluating Zhibao Technology Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
25
/100
Developing
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key risks

  • Volatile Underwriting Results Underwriting stability is low (score 0.30), indicating significant exposure to loss cycle or catastrophe volatility.
  • Below-Peer Return on Equity ROE signal is weak (score 0.30), with ROE at -25.5% trailing peers — raising capital efficiency concerns.

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Underwriting Discipline

Developing
35
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Insurance (Life, P&C, Reinsurance) vs Industry Peers 72% Coverage
Trade-Off Triangle Visualization A ternary plot showing ZBAO's balance between Growth (73.9%), Profitability (7.4%), and Safety (18.7%). Growth 74% Safety 19% Profitability 7%

Click axes to expand details. Marker shows current allocation.

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Growth

80th percentile vs peers
81
Key Signals
Rev Growth YoY 51.8% 92p Revenue CAGR 3Y 25.1% 80p Asset Growth YoY -88.6% 0p
Strengths
  • Growth performance in top 20% of peers (percentile: 80)
  • Rev Growth YoY in top 20% of peers (51.8%, 92th percentile)
  • Revenue CAGR 3Y in top 20% of peers (25.1%, 80th percentile)
Risks

No significant risks identified for this axis.

Profitability

8th percentile vs peers
8
Key Signals
Strengths
Risks
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Safety

20th percentile vs peers
20
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for Zhibao Technology Inc..

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$0.62
- - -
+298.2% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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