ATIF Holdings Ltd. (ZBAI) 10-Year Financial Performance & Capital Metrics

ZBAI • • Banking & Credit

Financial ServicesInvestment BankingInvestment Management & AdvisoryFinancial Advisory Services

AboutATIF Holdings Ltd. engages in the provision of financial consulting services. It is also involved in merger and acquisition business advisory, post-listing compliance, management support, and related services. The company was founded on January 5, 2015 and is headquartered in Lake Forest, CA.Show more

Net Interest Income $61K +234192.3%
Total Revenue $1M +93.5%
Net Income -$5M -44.0%
Return on Equity -80.54% +58.4%
Net Interest Margin 0.58% +67520.9%
Efficiency Ratio 170.2% -59.1%
ROA -68.36% +27.4%
Equity / Assets 92.57% +59.0%
Book Value per Share 0.56 +227.4%
Tangible BV/Share 0.56 +227.4%
Debt/Equity -

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Well capitalized: 92.6% equity/assets
✓Diversified revenue: 94.9% from non-interest income

✗Weaknesses

✗Weak Piotroski F-Score: 3/9
✗Weak NIM of 0.6%
✗High cost structure: 170.2% efficiency ratio
✗Weak momentum: RS Rating 15 (bottom 15%)
✗Shares diluted 68.3% in last year
✗Trading more than 30% below 52-week high

Price & Volume

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Growth Metrics

Revenue CAGR

10Y-

5Y13.22%

3Y-10.38%

TTM-

Profit (Net Income) CAGR

10Y-

5Y-

3Y-

TTM-44.04%

EPS CAGR

10Y-

5Y-

3Y-

TTM-6.37%

ROCE

10Y Avg24.67%

5Y Avg-33.1%

3Y Avg-42.23%

Latest-14.41%

Peer Comparison

Financial Advisory Services

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
ZBAIATIF Holdings Ltd.	72.19M	7.00	-25.93	93.55%	-383.17%	-47.58%
UCFIUnited Financial Investments Company PSC	287.81M	5.51			35.22%	36.96%	14.62%

Profit & Loss

	Jul 2017	Jul 2018	Jul 2019	Jul 2020	Jul 2021	Jul 2022	Jul 2023	Jul 2024	Jul 2025
Net Interest Income+	469	16.3K	1.99K	437	313	354.83K	1.87K	26	60.92K
NII Growth %	-	33.76%	-0.88%	-0.78%	-0.28%	1132.65%	-0.99%	-0.99%	2341.92%
Net Interest Margin %	-	-	-	-	-	-	-	-	-
Interest Income	469	16.3K	1.99K	437	313	354.83K	1.87K	26	60.92K
Interest Expense	0	0	0	0	0	0	0	0	0
Loan Loss Provision	0	0	0	227.41K	0	660K	0	0	0
Non-Interest Income+	3.64M	5.31M	3.08M	644.69K	936.62K	1.31M	2.45M	619.97K	1.14M
Non-Interest Income %	-	-	-	-	-	-	-	-	-
Total Revenue+	3.64M	5.32M	3.08M	645.13K	936.93K	1.67M	2.45M	620K	1.2M
Revenue Growth %	-	0.46%	-0.42%	-0.79%	0.45%	0.78%	0.47%	-0.75%	0.94%
Non-Interest Expense	2.71M	2.6M	2.41M	6.82M	3.36M	3.22M	3.21M	2.58M	2.04M
Efficiency Ratio	-	-	-	-	-	-	-	-	-
Operating Income+	925.07K	2.73M	671.6K	-6.4M	-2.42M	-2.21M	-760.86K	-1.96M	-842.35K
Operating Margin %	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-	1.95%	-0.75%	-10.53%	0.62%	0.09%	0.66%	-1.58%	0.57%
Pretax Income+	857.99K	2.66M	706.05K	-6.28M	-2.37M	-3.37M	-2.85M	-3.19M	-4.6M
Pretax Margin %	-	-	-	-	-	-	-	-	-
Income Tax+	217.03K	716.82K	276.82K	0	0	0	31.2K	3.3K	0
Effective Tax Rate %	-	-	-	-	-	-	-	-	-
Net Income+	640.96K	1.95M	429.23K	-14.88M	-8.56M	-2.91M	-2.88M	-3.19M	-4.6M
Net Margin %	-	-	-	-	-	-	-	-	-
Net Income Growth %	-	2.04%	-0.78%	-35.67%	0.42%	0.66%	0.01%	-0.11%	-0.44%
Net Income (Continuing)	640.96K	1.95M	429.23K	-6.28M	-2.37M	-3.37M	-2.88M	-3.19M	-4.6M
EPS (Diluted)+	0.08	0.25	0.06	-1.87	-0.32	-0.31	-0.30	-0.31	-0.27
EPS Growth %	-	2.04%	-0.76%	-31.96%	0.83%	0.06%	0.02%	-0.04%	0.13%
EPS (Basic)	0.08	0.25	0.06	-1.87	-0.32	-0.31	-0.30	-0.31	-0.27
Diluted Shares Outstanding	7.8M	7.8M	7.1M	7.96M	9.48M	9.51M	9.63M	10.25M	17.25M

Balance Sheet

	Jul 2017	Jul 2018	Jul 2019	Jul 2020	Jul 2021	Jul 2022	Jul 2023	Jul 2024	Jul 2025
Cash & Short Term Investments+	144.81K	72.97K	1000K	1000K	1000K	1000K	736.67K	1000K	1000K
Cash & Due from Banks	144.81K	72.97K	6.46M	409.66K	5.6M	1.75M	606.02K	1.25M	8.95M
Short Term Investments	0	0	0	1000K	1000K	33.35K	130.65K	424.15K	116.56K
Total Investments+	0	0	1.28M	2.21M	1.03M	368.35K	130.65K	424.15K	116.56K
Investments Growth %	-	-	-	0.73%	-0.53%	-0.64%	-0.65%	2.25%	-0.73%
Long-Term Investments	0	0	1.28M	0	0	335K	0	0	0
Accounts Receivables	18.29K	137.55K	1000K	939.39K	1000K	762K	1000K	200K	750K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-
Goodwill	0	0	0	25.9M	0	0	0	0	0
Intangible Assets	0	0	428.76K	330.44K	233.33K	153.33K	73.33K	0	0
PP&E (Net)	40.07K	49.38K	49.03K	1.23M	1.32M	1.66M	1.15M	113.84K	0
Other Assets	0	0	0	38.99M	0	0	0	0	0
Total Current Assets	1.23M	3.7M	10.59M	5.24M	9.85M	5.99M	2.54M	2.9M	10.44M
Total Non-Current Assets	40.07K	49.38K	1.76M	40.55M	1.55M	2.14M	1.23M	113.84K	0
Total Assets+	1.27M	3.75M	12.34M	45.79M	11.4M	8.14M	3.77M	3.01M	10.44M
Asset Growth %	-	1.94%	2.29%	2.71%	-0.75%	-0.29%	-0.54%	-0.2%	2.46%
Return on Assets (ROA)	0.5%	0.78%	0.05%	-0.51%	-0.3%	-0.3%	-0.48%	-0.94%	-0.68%
Accounts Payable	551.95K	0	0	482	482	2.28M	293.14K	0	0
Total Debt+	0	0	0	780.42K	769.61K	1.42M	1.1M	31.79K	0
Net Debt	-144.81K	-72.97K	-6.46M	370.76K	-4.83M	-331.83K	498.89K	-1.22M	-8.95M
Long-Term Debt	0	0	0	0	0	0	0	0	0
Short-Term Debt	0	0	0	143.25K	0	0	0	0	0
Other Liabilities	0	0	0	3.18M	0	0	0	250K	0
Total Current Liabilities	1.85M	1.73M	1.14M	7.78M	1.33M	2.8M	1.54M	988.42K	775.94K
Total Non-Current Liabilities	0	0	0	3.38M	387.31K	985.25K	689.5K	270.42K	0
Total Liabilities	1.85M	1.73M	1.14M	11.17M	1.71M	3.78M	2.23M	1.26M	775.94K
Total Equity+	-574.14K	2.01M	11.2M	34.62M	9.68M	4.35M	1.54M	1.75M	9.66M
Equity Growth %	-	4.51%	4.56%	2.09%	-0.72%	-0.55%	-0.65%	0.14%	4.51%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	-	2.7%	0.06%	-0.65%	-0.39%	-0.41%	-0.98%	-1.94%	-0.81%
Book Value per Share	-0.07	0.26	1.58	4.35	1.02	0.46	0.16	0.17	0.56
Tangible BV per Share	-	-	-	-	-	-	-	-	-
Common Stock	35K	35K	37.08K	9.4K	9.16K	9.63K	9.63K	11.92K	23.64K
Additional Paid-in Capital	0	720.14K	9.49M	30.59M	31.43M	29.5M	29.2M	32.6M	45.1M
Retained Earnings	-693.27K	1.04M	1.39M	-13.49M	-22.06M	-24.78M	-27.67M	-30.86M	-35.46M
Accumulated OCI	119.13K	220.76K	280.2K	292.15K	180.69K	181.5K	0	0	0
Treasury Stock	0	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	0	0	0

Cash Flow

	Jul 2017	Jul 2018	Jul 2019	Jul 2020	Jul 2021	Jul 2022	Jul 2023	Jul 2024	Jul 2025
Cash from Operations+	153.72K	2.04M	-3.02M	-5.89M	-2.67M	-146.94K	-2.33M	-120K	-2.46M
Operating CF Growth %	-	12.25%	-2.48%	-0.95%	0.55%	0.94%	-14.88%	0.95%	-19.48%
Net Income	640.96K	1.95M	429.23K	-17.29M	-2.37M	-3.37M	-2.88M	-3.19M	-4.6M
Depreciation & Amortization	11.32K	16.46K	50.32K	391.62K	722.04K	583K	572.94K	385.38K	15.28K
Deferred Taxes	0	0	0	76.26K	0	0	0	0	0
Other Non-Cash Items	0	0	65.79K	11.59M	139.13K	2.47M	3.34M	369.96K	3.62M
Working Capital Changes	-498.56K	73.1K	-3.56M	-656.4K	-1.15M	169.73K	-3.37M	2.32M	-1.5M
Cash from Investing+	-20.48K	-2.9M	739.08K	-176.47K	861.92K	-1.59M	459.82K	-1.58M	1.26M
Purchase of Investments	0	0	-1.28M	-717.62K	-367.57K	-1.44M	0	-675K	0
Sale/Maturity of Investments	0	0	0	0	1000K	0	94.8K	0	0
Net Investment Activity	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	0	1.07M	0	-335K	335K	0	0
Other Investing	-5.52K	-2.87M	2.28M	348.96K	118.54K	283.36K	31.46K	-900K	1.26M
Cash from Financing+	0	755.14K	8.74M	141.98K	6.83M	-1.96M	729.97K	2.34M	8.9M
Dividends Paid	0	0	0	0	0	0	0	0	0
Share Repurchases	0	0	0	0	0	0	0	0	0
Stock Issued	0	0	8.77M	0	3.54M	0	0	2.34M	8.9M
Net Stock Activity	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	0	0	-31.27K	876.33K	0	0	729.97K	0	0
Other Financing	0	755.14K	0	-734.35K	3.3M	-1.96M	0	0	0
Net Change in Cash+	134.94K	-71.85K	6.39M	-6.03M	5.17M	-3.85M	-1.14M	643.35K	7.7M
Exchange Rate Effect	1.7K	35.49K	-75K	-103.22K	138.61K	-147.18K	0	0	0
Cash at Beginning	9.88K	144.81K	72.97K	6.46M	428.26K	5.6M	1.75M	606.02K	1.25M
Cash at End	144.81K	72.97K	6.46M	428.26K	5.6M	1.75M	606.02K	1.25M	8.95M
Interest Paid	0	0	0	608	0	0	0	0	0
Income Taxes Paid	31.5K	142.68K	490.4K	0	0	0	0	14.52K	6.68K
Free Cash Flow+	138.75K	2.01M	-3.75M	-6.77M	-2.77M	-248.89K	-2.34M	-126K	-2.46M
FCF Growth %	-	13.48%	-2.86%	-0.81%	0.59%	0.91%	-8.38%	0.95%	-18.5%

Banking Ratios

Metric	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	-	270.28%	6.5%	-64.96%	-38.66%	-41.47%	-97.84%	-193.84%	-80.54%
Return on Assets (ROA)	50.37%	77.58%	5.34%	-51.21%	-29.95%	-29.8%	-48.42%	-94.14%	-68.36%
Net Interest Margin	0.04%	0.44%	0.02%	0%	0%	4.36%	0.05%	0%	0.58%
Efficiency Ratio	74.56%	48.77%	78.19%	1056.68%	358.49%	193.18%	131.06%	416.13%	170.2%
Equity / Assets	-45.12%	53.77%	90.75%	75.61%	84.96%	53.49%	40.85%	58.21%	92.57%
Book Value / Share	-0.07	0.26	1.58	4.35	1.02	0.46	0.16	0.17	0.56
NII Growth	-	3376.12%	-87.77%	-78.08%	-28.38%	113264.86%	-99.47%	-98.61%	234192.31%

Frequently Asked Questions

Growth & Financials

ATIF Holdings Ltd. (ZBAI) grew revenue by 93.5% over the past year. This is strong growth.

ATIF Holdings Ltd. (ZBAI) reported a net loss of $4.6M for fiscal year 2025.

Dividend & Returns

ATIF Holdings Ltd. (ZBAI) has a return on equity (ROE) of -80.5%. Negative ROE indicates the company is unprofitable.

Industry Metrics

ATIF Holdings Ltd. (ZBAI) has a net interest margin (NIM) of 0.6%. NIM has been under pressure due to interest rate environment.

ATIF Holdings Ltd. (ZBAI) has an efficiency ratio of 170.2%. This is higher than peers, suggesting room for cost optimization.

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