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ATIF Holdings Ltd.(ZBAI)Earnings, Financials & Key Ratios
ZBAI•NASDAQ•Banking & Credit
$7.39
$127M mkt cap·Price updated May 6, 2026
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 Margin0.58%+67520.9%
- Efficiency Ratio170.2%-59.1%
- ROA-68.36%+27.4%
- Equity / Assets92.57%+59.0%
- Book Value per Share0.56+227.4%
- Tangible BV/Share0.56+227.4%
ZBAI Key Insights
ATIF Holdings Ltd. (ZBAI) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong 5Y profit CAGR of 20.9%
- ✓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
- ✗Shares diluted 68.3% in last year
- ✗Trading more than 30% below 52-week high
- ✗Expensive at 13.2x book value
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
ZBAI Price & Volume
ATIF Holdings Ltd. (ZBAI) stock price & volume — 10-year historical chart
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ZBAI Growth Metrics
ATIF Holdings Ltd. (ZBAI) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years13.22%
3 Years-10.38%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM-44.04%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM-6.37%
Return on Capital
10 Years24.67%
5 Years-33.1%
3 Years-42.23%
Last Year-14.41%
ZBAI Recent Earnings
ATIF Holdings Ltd. (ZBAI) EPS & revenue vs analyst estimates — last 4 quarters
Q4 2025Latest
Dec 18, 2025EPS
$0.54
Revenue
—
Q3 2025
Jun 6, 2025EPS
$0.09
Revenue
$250,000
Q2 2025
Mar 13, 2025EPS
$0.16
Revenue
$200,000
Q4 2024
Dec 19, 2024EPS
$0.03
Revenue
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q4 2025Latest | Dec 18, 2025 | $0.54 | — |
| Q3 2025 | Jun 6, 2025 | $0.09 | $250,000 |
| Q2 2025 | Mar 13, 2025 | $0.16 | $200,000 |
| Q4 2024 | Dec 19, 2024 | $0.03 | — |
Based on last 12 quarters of dataView full earnings history →
ZBAI Peer Comparison
ATIF Holdings Ltd. (ZBAI) competitors in Investment Banking and Advisory — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 RCON | 17.7M | 0.89 | -1.29 | -3.73% | -64.25% | -9.15% | 0.08 | |
 CLPS | 25.89M | 0.93 | -3.56 | 15.17% | -1.27% | -6.06% | 0.59 | |
 FTFT | 7.02M | 1.39 | -0.60 | 77.47% | -120.63% | -16.38% | 0.04 | |
 CNET | 1.99M | 0.75 | -0.40 | -49.52% | -33.36% | -60.34% | 0.03 | |
 HUYA | 493.27M | 3.28 | -106.48 | -13.09% | -2.51% | -2.41% | 0.01 | |
 JFIN | 532.44M | 4.93 | 1.69 | 6.11% | 26.17% | 39.74% | 0.02 | |
 QFIN | 3.9B | 13.75 | 2.24 | 5.38% | 28.76% | 0.07 | ||
 LXEH | 1.39M | 1.19 | -0.39 | -35.45% | -179.26% | -83.46% | 0.90 |
Compare ZBAI vs Peers
ATIF Holdings Ltd. (ZBAI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
ZBAI Income Statement
ATIF Holdings Ltd. (ZBAI) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Jul'17 | Jul'18 | Jul'19 | Jul'20 | Jul'21 | Jul'22 | Jul'23 | Jul'24 | Jul'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 469 | 16.3K | 1.99K | 437 | 313 | 354.83K | 1.87K | 26 | 60.92K |
| NII Growth % | - | 3376.12% | -87.77% | -78.08% | -28.38% | 113264.86% | -99.47% | -98.61% | 234192.31% |
| Net Interest Margin % | 0.04% | 0.44% | 0.02% | 0% | 0% | 4.36% | 0.05% | 0% | 0.58% |
| 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 % | 99.99% | 99.69% | 99.94% | 99.93% | 99.97% | 78.72% | 99.92% | 100% | 94.92% |
| Total Revenue | 3.64M▲ 0% | 5.32M▲ 46.4% | 3.08M▼ 42.2% | 645.13K▼ 79.0% | 936.93K▲ 45.2% | 1.67M▲ 78.0% | 2.45M▲ 46.9% | 620K▼ 74.7% | 1.2M▲ 93.5% |
| Revenue Growth % | - | 46.44% | -42.17% | -79.05% | 45.23% | 77.95% | 46.94% | -74.69% | 93.55% |
| Non-Interest Expense | 2.71M | 2.6M | 2.41M | 6.82M | 3.36M | 3.22M | 3.21M | 2.58M | 2.04M |
| Efficiency Ratio | 74.56% | 48.77% | 78.19% | 1056.68% | 358.49% | 193.18% | 131.06% | 416.13% | 170.2% |
| Operating Income | 925.07K▲ 0% | 2.73M▲ 194.9% | 671.6K▼ 75.4% | -6.4M▼ 1052.8% | -2.42M▲ 62.2% | -2.21M▲ 8.6% | -760.86K▲ 65.6% | -1.96M▼ 157.6% | -842.35K▲ 57.0% |
| Operating Margin % | 25.44% | 51.23% | 21.81% | -991.93% | -258.49% | -132.76% | -31.06% | -316.13% | -70.2% |
| Operating Income Growth % | - | 194.86% | -75.38% | -1052.83% | 62.15% | 8.6% | 65.63% | -157.6% | 57.02% |
| Pretax Income | 857.99K▲ 0% | 2.66M▲ 210.5% | 706.05K▼ 73.5% | -6.28M▼ 989.2% | -2.37M▲ 62.2% | -3.37M▼ 42.0% | -2.85M▲ 15.4% | -3.19M▼ 11.8% | -4.6M▼ 44.2% |
| Pretax Margin % | 23.6% | 50.03% | 22.93% | -973.15% | -253.42% | -202.19% | -116.37% | -514.23% | -383.17% |
| Income Tax | 217.03K | 716.82K | 276.82K | 0 | 0 | 0 | 31.2K | 3.3K | 0 |
| Effective Tax Rate % | 25.29% | 26.91% | 39.21% | 0% | 0% | 0% | -1.09% | -0.1% | 0% |
| Net Income | 640.96K▲ 0% | 1.95M▲ 203.7% | 429.23K▼ 78.0% | -14.88M▼ 3567.3% | -8.56M▲ 42.5% | -2.91M▲ 66.0% | -2.88M▲ 1.0% | -3.19M▼ 10.7% | -4.6M▼ 44.0% |
| Net Margin % | 17.63% | 36.57% | 13.94% | -2306.94% | -914.02% | -174.56% | -117.64% | -514.84% | -383.17% |
| Net Income Growth % | - | 203.74% | -77.95% | -3567.33% | 42.46% | 66.02% | 0.97% | -10.74% | -44.05% |
| 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% | 0.25▲ 203.6% | 0.06▼ 75.8% | -1.87▼ 3196.4% | -0.32▲ 82.6% | -0.31▲ 5.8% | -0.30▲ 2.2% | -0.31▼ 4.0% | -0.27▲ 13.3% |
| EPS Growth % | - | 203.65% | -75.8% | -3196.36% | 82.63% | 5.79% | 2.16% | -4.01% | 13.29% |
| 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 |
ZBAI Balance Sheet
ATIF Holdings Ltd. (ZBAI) balance sheet — assets, liabilities & shareholders' equity
| Line item | Jul'17 | Jul'18 | Jul'19 | Jul'20 | Jul'21 | Jul'22 | Jul'23 | Jul'24 | Jul'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 144.81K | 72.97K | 6.46M | 2.62M | 6.62M | 1.78M | 736.67K | 1.67M | 9.07M |
| 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 | 2.21M | 1.03M | 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 % | - | - | - | 72.91% | -53.48% | -64.15% | -64.53% | 224.65% | -72.52% |
| Long-Term Investments | 0 | 0 | 1.28M | 0 | 0 | 335K | 0 | 0 | 0 |
| Accounts Receivables | 18.29K | 137.55K | 1.47M | 939.39K | 2.3M | 762K | 1.25M | 200K | 750K |
| Goodwill & Intangibles | 0 | 0 | 428.76K | 26.23M | 233.33K | 153.33K | 73.33K | 0 | 0 |
| 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▲ 0% | 3.75M▲ 194.4% | 12.34M▲ 229.4% | 45.79M▲ 271.0% | 11.4M▼ 75.1% | 8.14M▼ 28.6% | 3.77M▼ 53.7% | 3.01M▼ 20.0% | 10.44M▲ 246.5% |
| Asset Growth % | - | 194.44% | 229.42% | 270.95% | -75.11% | -28.61% | -53.69% | -20.05% | 246.48% |
| Return on Assets (ROA) | 50.37% | 77.58% | 5.34% | -51.21% | -29.95% | -29.8% | -48.42% | -94.14% | -68.36% |
| 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▲ 0% | 2.01M▲ 450.9% | 11.2M▲ 455.9% | 34.62M▲ 209.1% | 9.68M▼ 72.0% | 4.35M▼ 55.1% | 1.54M▼ 64.6% | 1.75M▲ 13.9% | 9.66M▲ 450.9% |
| Equity Growth % | - | 450.92% | 455.95% | 209.05% | -72.03% | -55.05% | -64.63% | 13.94% | 450.94% |
| Equity / Assets (Capital Ratio) | -45.12% | 53.77% | 90.75% | 75.61% | 84.96% | 53.49% | 40.85% | 58.21% | 92.57% |
| Return on Equity (ROE) | - | 270.28% | 6.5% | -64.96% | -38.66% | -41.47% | -97.84% | -193.84% | -80.54% |
| 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 | -0.07 | 0.26 | 1.52 | 1.05 | 1.00 | 0.44 | 0.15 | 0.17 | 0.56 |
| 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 |
ZBAI Cash Flow Statement
ATIF Holdings Ltd. (ZBAI) cash flow — operating, investing & free cash flow history
| Line item | Jul'17 | Jul'18 | Jul'19 | Jul'20 | Jul'21 | Jul'22 | Jul'23 | Jul'24 | Jul'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 153.72K | 2.04M | -3.02M | -5.89M | -2.67M | -146.94K | -2.33M | -120K | -2.46M |
| Operating CF Growth % | - | 1224.79% | -248.24% | -95.23% | 54.75% | 94.49% | -1488.29% | 94.86% | -1947.83% |
| 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 | 1.22M | 0 | 94.8K | 0 | 0 |
| Net Investment Activity | 0 | 0 | -1.28M | -717.62K | 849.88K | -1.44M | 94.8K | -675K | 0 |
| 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 | 0 | 0 | 8.77M | 0 | 3.54M | 0 | 0 | 2.34M | 8.9M |
| 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▲ 0% | -71.85K▼ 153.2% | 6.39M▲ 8989.2% | -6.03M▼ 194.4% | 5.17M▲ 185.7% | -3.85M▼ 174.4% | -1.14M▲ 70.3% | 643.35K▲ 156.2% | 7.7M▲ 1097.1% |
| 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▲ 0% | 2.01M▲ 1348.4% | -3.75M▼ 286.4% | -6.77M▼ 80.7% | -2.77M▲ 59.0% | -248.89K▲ 91.0% | -2.34M▼ 838.3% | -126K▲ 94.6% | -2.46M▼ 1850.3% |
| FCF Growth % | - | 1348.38% | -286.36% | -80.71% | 59.02% | 91.03% | -838.29% | 94.6% | -1850.31% |
ZBAI Banking Ratios
ATIF Holdings Ltd. (ZBAI) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet 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% |
ZBAI SEC Filings & Documents
ATIF Holdings Ltd. (ZBAI) SEC filings — annual & quarterly reports (10-K, 10-Q)
ZBAI Frequently Asked Questions
ATIF Holdings Ltd. (ZBAI) stock FAQ — growth, dividends, profitability & financials explained
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.
Explore More ZBAI
ATIF Holdings Ltd. (ZBAI) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
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Dividend History
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Earnings History
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Price History
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Revenue History
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Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
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