Zhibao Technology Inc. Class A Ordinary Shares(ZBAO)Earnings, Financials & Key Ratios
ZBAO•NASDAQ•Insurance & Managed Care
$0.51
Price updated Jun 30, 2026
SectorFinancial ServicesIndustryInsurance BrokersSub-IndustryDigital insurance marketplaces and brokers
AboutZhibao Technology Inc., through its subsidiaries, provides digital insurance brokerage services in China. It also offers managing general underwriter services; healthcare; and offline insurance brokerage consulting services. The company was founded in 2015 and is based in Shanghai, China.Show more
- Revenue$1.98B+980.2%
- Combined Ratio119.33%+26.3%
- Net Income-$444M-3452.9%
- Return on Equity-2654.53%-4131.6%
- Medical Cost Ratio58.99%-0.5%
- Operating Margin-19.33%-451.3%
- Net Margin-22.39%-410.4%
- ROA-445.82%-2736.4%
- Equity / Assets14.46%-52.8%
ZBAO Price & Volume
Zhibao Technology Inc. Class A Ordinary Shares (ZBAO) stock price & volume — 10-year historical chart
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Volatile Underwriting Performance Strains Capital Base Stability
Investment Thesis • Updated 2026Q2
VerdictNegative
Growth:Mixed
Profitability:Strained
Financial:Vulnerable
Cash Flow:Burning
Primary Risk:Critical liquidity and solvency
Key Thesis Takeaways
- Zhibao Technology faces significant operational headwinds as its B2B2C brokerage model struggles to maintain consistent underwriting profitability, evidenced by a combined ratio that swung from 81.4% in 2024Q4 to 98.3% by 2026Q2.
- The company's rapid depletion of equity, which fell from $216.2 million in 2023Q3 to a precarious $2.8 million in 2026Q2, suggests an unsustainable growth trajectory that lacks the necessary capital buffer.
- Investors should monitor the firm's ability to manage its $133.5 million in claims liabilities against a shrinking asset base, as current liquidity constraints may necessitate dilutive financing to maintain ongoing operations.
Verdict Logic
the company's critical liquidity position, characterized by a $2.8 million equity base against $33.4 million in liabilities, suggests a high risk of insolvency without immediate capital intervention.
ZBAO Growth Metrics
Zhibao Technology Inc. Class A Ordinary Shares (ZBAO) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years-
3 Years163.7%
TTM136.29%
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM-425.5%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM-415.77%
Return on Capital
10 Years-559.27%
5 Years-559.27%
3 Years-752.04%
Last Year-2135.49%
Peers Comparison
Key metrics vs top competitors for Zhibao Technology Inc. Class A Ordinary Shares (ZBAO)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $0.51 | $16.64M | -0.25 | 980.2% | -22.39% | -2654.53% | — | |
| $1.14 | $575.22K | 0.99 | 23.24% | 1.35% | 4.24% | — | |
| $118.88 | $7.87B | 86.77 | 15.24% | 9.48% | 5.13% | — | |
| $4.73 | $1.17B | 3.44 | 1.03% | 18.75% | 6.05% | — | |
| $15.66 | $2.04B | 1.24 | 8.83% | 33.86% | 24.95% | — | |
| $2.72 | $915.1K | -0.01 | -60.88% | -14.04% | -1.25% | — |
Compare ZBAO vs Peers
Zhibao Technology Inc. Class A Ordinary Shares (ZBAO) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
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ZBAO Frequently Asked Questions
Zhibao Technology Inc. Class A Ordinary Shares (ZBAO) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Zhibao Technology Inc. Class A Ordinary Shares growing?
Zhibao Technology Inc. Class A Ordinary Shares (ZBAO) grew revenue by 980.2% over the past year. This is strong growth.
Is ZBAO profitable?
Zhibao Technology Inc. Class A Ordinary Shares (ZBAO) reported a net loss of $65.8M for fiscal year 2025.
Dividend & Returns
What is ZBAO's return on equity?
Zhibao Technology Inc. Class A Ordinary Shares (ZBAO) has a return on equity (ROE) of -2654.5%. Negative ROE indicates the company is unprofitable.
Industry Metrics
What is Zhibao Technology Inc. Class A Ordinary Shares's combined ratio?
Zhibao Technology Inc. Class A Ordinary Shares (ZBAO) has a combined ratio of 119.3%. A ratio above 100% means claims and expenses exceed premiums.