| Name | Market Cap | Current Price | P/E Ratio | Revenue Growth 1Y | Net Margin | ROE | FCF Yield | Debt/Equity |
|---|---|---|---|---|---|---|---|---|
| ZBAOZhibao Technology Inc. Class A Ordinary Shares | 16.02M | 0.97 | 16.74 | 28.86% | 8.3% | 42.39% | 0.47 | |
| WDHWaterdrop Inc. | 503.83M | 1.79 | 0.18 | 5.36% | 14.98% | 8.92% | 43.43% | 0.05 |
| YBYuanbao Inc. American Depositary Shares | 658.52M | 20.33 | 0.18 | 60.6% | 23.34% | 100% | ||
| HUIZHuize Holding Limited | 19.48M | 2.27 | -1.77 | 4.46% | 1.35% | 4.21% | 0.21 | |
| TIRXTian Ruixiang Holdings Ltd | 12.13M | 0.46 | -3.87 | 158.74% | -11.06% | -12.03% | 7.4% | 0.03 |
| Jun 2021 | Jun 2022 | Jun 2023 | Jun 2024 | |
|---|---|---|---|---|
| Revenue | 7.05M | 16.15M | 19.61M | 25.27M |
| Revenue Growth % | - | 1.29% | 0.21% | 0.29% |
| Medical Costs & Claims | 3.31M | 9.11M | 11.52M | 14.99M |
| Medical Cost Ratio % | - | - | - | - |
| Gross Profit | 3.75M | 7.04M | 8.09M | 10.29M |
| Gross Margin % | - | - | - | - |
| Gross Profit Growth % | - | 0.88% | 0.15% | 0.27% |
| Operating Expenses | 9.27M | 5.15M | 14.24M | 8.9M |
| OpEx / Revenue % | - | - | - | - |
| Depreciation & Amortization | 532.16K | 506.14K | 460.37K | 449.08K |
| Combined Ratio % | - | - | - | - |
| Operating Income | -5.53M | 1.89M | -6.15M | 1.39M |
| Operating Margin % | - | - | - | - |
| Operating Income Growth % | - | 1.34% | -4.26% | 1.23% |
| EBITDA | -5M | 2.39M | -5.69M | 1.84M |
| EBITDA Margin % | - | - | - | - |
| Interest Expense | 1.05M | 1.17M | 912.4K | 848.58K |
| Non-Operating Income | 25.05K | -100.47K | -401.35K | -1.31M |
| Pretax Income | -5.72M | 1.81M | -5.87M | 2.58M |
| Pretax Margin % | - | - | - | - |
| Income Tax | 11.04K | -314.92K | 74.73K | 758.34K |
| Effective Tax Rate % | - | - | - | - |
| Net Income | -5.73M | 2.13M | -5.95M | 1.82M |
| Net Margin % | - | - | - | - |
| Net Income Growth % | - | 1.37% | -3.8% | 1.31% |
| EPS (Diluted) | -0.18 | 0.07 | -0.20 | 0.06 |
| EPS Growth % | - | 1.39% | -3.87% | 1.29% |
| EPS (Basic) | -0.18 | 0.07 | -0.20 | 0.06 |
| Diluted Shares Outstanding | 31M | 31M | 31M | 31.52M |
| Jun 2021 | Jun 2022 | Jun 2023 | Jun 2024 | |
|---|---|---|---|---|
| Total Assets | 10.74M | 14.33M | 17.63M | 208.79M |
| Asset Growth % | - | 0.33% | 0.23% | 10.85% |
| Total Investment Assets | 0 | 8.78M | 10.02M | 0 |
| Long-Term Investments | 0 | 8.78M | 10.02M | 0 |
| Short-Term Investments | 0 | 0 | 0 | 0 |
| Total Current Assets | 7.84M | 84.21M | 113.71M | 197.55M |
| Cash & Equivalents | 635.65K | 982.06K | 2.05M | 2.4M |
| Receivables | 1000K | 1000K | 1000K | 1000K |
| Other Current Assets | 3.92M | 71.68M | 97.89M | 39.37M |
| Goodwill & Intangibles | 2.56M | 1.87M | 2.18M | 2.58M |
| Goodwill | 0 | 0 | 0 | 0 |
| Intangible Assets | 2.56M | 1.87M | 2.18M | 2.58M |
| PP&E (Net) | 1.68M | 282.6K | 596.12K | 3.55M |
| Other Assets | 14.57M | 447.86K | 1.31M | 5.05M |
| Total Liabilities | 11.1M | 11.53M | 13.3M | 144.8M |
| Total Debt | 6.18M | 4.68M | 4.38M | 30.28M |
| Net Debt | 5.55M | 3.7M | 2.34M | 27.88M |
| Long-Term Debt | 0 | 0 | 0 | 0 |
| Short-Term Debt | 4.54M | 28M | 27.27M | 26.81M |
| Total Current Liabilities | 9.89M | 4.57M | 94.3M | 141.07M |
| Accounts Payable | 6.06M | 4.11M | 21.39M | 89.63M |
| Deferred Revenue | 15M | 15M | 15M | 0 |
| Other Current Liabilities | -10.72M | -71.89M | 0 | -3.32M |
| Deferred Taxes | -1000K | 0 | 1.06K | 1000K |
| Other Liabilities | -3.54M | 0 | 0 | 0 |
| Total Equity | -357.89K | 2.79M | 4.33M | 63.99M |
| Equity Growth % | - | 8.8% | 0.55% | 13.78% |
| Shareholders Equity | -357.89K | 2.79M | 4.33M | 63.99M |
| Minority Interest | 0 | 0 | 0 | 0 |
| Retained Earnings | -16.82M | -14.11M | -18.93M | -131.84M |
| Common Stock | 910 | 17.64K | 2.89K | 22.13K |
| Accumulated OCI | 0 | 0 | 705 | -31.49K |
| Return on Equity (ROE) | - | 1.75% | -1.67% | 0.05% |
| Return on Assets (ROA) | -0.53% | 0.17% | -0.37% | 0.02% |
| Equity / Assets | - | - | - | - |
| Debt / Equity | - | 1.68x | 1.01x | 0.47x |
| Book Value per Share | -0.01 | 0.09 | 0.14 | 2.03 |
| Tangible BV per Share | - | - | - | - |
| Jun 2021 | Jun 2022 | Jun 2023 | Jun 2024 | |
|---|---|---|---|---|
| Cash from Operations | -2.67M | -153.23K | -161.55K | -527.11K |
| Operating CF Growth % | - | 0.94% | -0.05% | -2.26% |
| Operating CF / Revenue % | - | - | - | - |
| Net Income | -5.59M | 1.96M | -6.4M | 13.25M |
| Depreciation & Amortization | 519.61K | 506.29K | 459.7K | 3.26M |
| Stock-Based Compensation | 10.16M | 79.97K | 7.62M | 0 |
| Deferred Taxes | 0 | 0 | 0 | 5.5M |
| Other Non-Cash Items | -7.88M | -70.88K | 889.58K | -1.55M |
| Working Capital Changes | 124.25K | -2.63M | -2.72M | -20.99M |
| Cash from Investing | -938.8K | -494.74K | 2.01M | -81.96K |
| Capital Expenditures | -61.2K | -29K | -257.56K | -276.1K |
| Acquisitions | 0 | 0 | 1.51K | 0 |
| Purchase of Investments | 0 | 0 | 0 | 0 |
| Sale/Maturity of Investments | 0 | 0 | 0 | 0 |
| Other Investing | -877.6K | -465.75K | 2.26M | 194.14K |
| Cash from Financing | 3.03M | 1.03M | -654.86K | 4.25M |
| Dividends Paid | 0 | 0 | 0 | 0 |
| Share Repurchases | 0 | 0 | 0 | 0 |
| Stock Issued | 1.63M | 10.8M | 6.2M | 44.07M |
| Debt Issuance (Net) | 1000K | 450K | 450K | -743.76K |
| Other Financing | 0 | -5.62M | -7.3M | -39.08M |
| Net Change in Cash | 1.41M | 346.4K | 1.07M | 3.61M |
| Exchange Rate Effect | 1000K | -35.74K | -126.7K | -32.2K |
| Cash at Beginning | 12.92M | 635.65K | 982.06K | 19.87M |
| Cash at End | 635.65K | 982.06K | 2.05M | 46.15M |
| Free Cash Flow | -2.73M | -182.23K | -419.11K | -4.4M |
| FCF Growth % | - | 0.93% | -1.3% | -9.5% |
| FCF Margin % | - | - | - | - |
| FCF per Share | -0.09 | -0.01 | -0.01 | -0.14 |
| Metric | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Combined Ratio | 178.39% | 88.32% | 131.35% | 94.5% |
| Medical Cost Ratio | 46.9% | 56.41% | 58.75% | 59.3% |
| Return on Equity (ROE) | - | 174.9% | -167.07% | 5.34% |
| Return on Assets (ROA) | -53.31% | 16.97% | -37.24% | 1.61% |
| Equity / Assets | -3.33% | 19.48% | 24.57% | 30.65% |
| Book Value / Share | -0.01 | 0.09 | 0.14 | 2.03 |
| Debt / Equity | - | 1.68x | 1.01x | 0.47x |
| Revenue Growth | - | 128.94% | 21.46% | 28.86% |
Zhibao Technology Inc. Class A Ordinary Shares (ZBAO) has a price-to-earnings (P/E) ratio of 16.7x. This is roughly in line with market averages.
Zhibao Technology Inc. Class A Ordinary Shares (ZBAO) grew revenue by 28.9% over the past year. This is strong growth.
Yes, Zhibao Technology Inc. Class A Ordinary Shares (ZBAO) is profitable, generating $4.3M in net income for fiscal year 2024 (7.2% net margin).
Zhibao Technology Inc. Class A Ordinary Shares (ZBAO) has a return on equity (ROE) of 5.3%. This is below average, suggesting room for improvement.
Zhibao Technology Inc. Class A Ordinary Shares (ZBAO) has a combined ratio of 94.5%. A ratio below 100% indicates underwriting profitability.