Skip to content
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 $0.26, about 65.4% overvalued vs fair value, -99.5% 1Y return, ranked 962/1078 in sector.
Metrics Rev Growth 51.8% ROE -25.5% Gross Margin 39.9%
USD 0.26
1.96%
(Delayed)
• Vol 90d: 227.9%
52-Week Range
Market Cap
$6.71M
Enterprise Value
$10.82M
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Weak
Health
Fair
Efficiency
Weak
Valuation
Fair
Growth
Weak
Profitability
Weak
Health
Fair
Efficiency
Weak
Valuation
Fair
Completeness: 70%
Confidence: 79%
Updated: Oct 31
Top Beats
No strong beats yet

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
$0
$0
Current: $0.26 -65% vs base

Engine Room Money Flow™

Micro Cap

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

Flow Steps
Total Revenue
CNY 38.4M
51.8%%
Claims & Losses
-CNY 23.1M
54%%
Acquisition & Admin Expenses
-CNY 2.5M
Underwriting Result
-CNY 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

Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium

Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

CNY 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
20
/100
Weak
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key risks

  • Volatile Underwriting Results Underwriting stability is low (score 0.25), indicating significant exposure to loss cycle or catastrophe volatility.
  • Below-Peer Float Returns Float return signal is weak (score 0.25), indicating below-peer investment yields limiting overall profitability.

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

Upgrade to unlock the signals and evidence behind each defense.

Premium access

Unlock full defense analysis

Get key signals, strengths, and risks for every moat dimension.

Upgrade to Premium Unlock all moat defenses and evidence.

Underwriting Discipline

Developing
29
Premium

Signals, strengths and risks for Underwriting Discipline

Premium

Signals, strengths and risks for Float Investment Quality

Premium

Signals, strengths and risks for Pricing Power

Premium

Signals, strengths and risks for Capital Strength & Solvency

Premium

Signals, strengths and risks for Operational Efficiency

Premium

Signals, strengths and risks for Scale & Diversification

Trade-Off Ledger™

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

Insurance (Life, P&C, Reinsurance) vs Industry Peers 78% Coverage
Trade-Off Triangle Visualization A ternary plot showing ZBAO's balance between Growth (74.1%), Profitability (7.4%), and Safety (18.6%). Growth 74% Safety 19% Profitability 7%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
Upgrade to unlock the full 3-year trend analysis and deltas.

Growth

81th percentile vs peers
81
Key Signals
Rev Growth YoY 51.8% 93p Revenue CAGR 3Y 25.1% 81p Asset Growth YoY -88.6% 0p
Strengths
  • Growth performance in top 20% of peers (percentile: 81)
  • Rev Growth YoY in top 20% of peers (51.8%, 93th percentile)
  • Revenue CAGR 3Y in top 20% of peers (25.1%, 81th percentile)
Risks

No significant risks identified for this axis.

Profitability

8th percentile vs peers
8
Key Signals
Strengths
Risks
Premium
Unlock full Profitability drilldowns

See the signal-level drivers and insights behind this axis. Upgrade to reveal the full Trade-Off Ledger.

Upgrade Now

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
X.X%
X%XX%
X.X%
-XX%XX%
XX.X%
-XX%XX%
Adjust the sliders above to explore different valuation scenarios.
Unlock Premium
Reveal the full Scenario Theatre
See live sliders, narratives, and full Bear/Base/Bull outcomes.
Upgrade Now
Bear
-
- - -
- upside
-
Base
$0.09
- - -
-65.4% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
Actions & Info
Send Feedback
Please select a category.
0/1000