Zhibao Technology Inc.
Zhibao Technology Inc. Class A Ordinary Shares represent the equity of Zhibao Technology Inc., an InsurTech company focused on digital insurance brokerage services in China. The company also provides managing general underwriting services, healthcare-related insurance solutions, and offline insurance brokerage consulting through its operating entities. Its business is centered on technology-enabled distribution and administration of insurance products, serving a market where digital channels are increasingly important for reaching customers and partners. Zhibao Technology Inc. operates from Shanghai, China, and its ordinary shares reflect exposure to a financial services business that combines insurance brokerage expertise with digital infrastructure and embedded insurance models. The company’s role in the market is to connect insurers, business partners, and end users through streamlined insurance solutions tailored to the Chinese insurance ecosystem.
$0.44
-$0.05 (-9.28%)
EOD Oct 22, 2026
The business is unprofitable at the operating level (-19.33% margin). The thesis depends entirely on whether and when it reaches sustainable profitability.
Revenue grew 50.8%, still solid. Margins contracted 24.8pp, which offsets some of the top-line progress.
ROIC dropped from 9.08% to -57.74%, capital efficiency is deteriorating. Negative free cash flow of -¥21M. The business is consuming cash, not generating it.
Price History
Valuation & Multiples
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
¥277M
▲ +50.8% YoY
Net Income (TTM)
-¥62M
▼ -568.0% YoY
Op. Margin
-19.33%
▼ -24.8pp YoY
ROIC
-57.74%
▼ -66.8pp YoY
Cash Flow & Balance Sheet
FCF (TTM)
-¥21M
▼ -369.7% YoY
Op. Cash Flow (TTM)
-¥21M
▼ -442.8% YoY
Net Debt
¥17M
Cash & Equiv.
¥10M
3Y CAGR: +38.6%
Continue Research
Is Zhibao Technology (ZBAO) overvalued?
Zhibao Technology (ZBAO)'s valuation is best read against its own history, its peers, and the growth its price implies. A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Zhibao Technology scores 15/100 on Intrinsiqq's quality scorecard (a lower-quality business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. All figures are computed from company filings; read the full methodology, or see how the market compares in our US profitability statistics. This is analysis, not investment advice.
Frequently asked
Is Zhibao Technology a high-quality business?+
Zhibao Technology scores 15 out of 100 on Intrinsiqq's quality score, a weighted blend of 6 metrics each scored 0 to 100, which makes it a lower-quality business on these measures. Recent fundamentals include a -19.3% operating margin and a -57.7% return on invested capital. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from company filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Is Zhibao Technology a good stock to buy right now?+
That depends on valuation and quality together, not either alone. you should weigh ZBAO's valuation and scores 15/100 on quality (lower-quality). A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from company filings, not investment advice.
Related stocks: Insurance Brokers
Spot a number that looks wrong?
Download this analysis as a PDF (Pro)
Data sourced from company filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Keep analysing ZBAO
Create a free account and get 14 days of Premium: every stock and every tool.
- Unlimited stocks
- Stock screener
- Portfolio tracker
- Editable DCF
- Compare side by side
- Unlimited alerts
No card. Moves to Free after, unless you upgrade.
Already have an account?
Or come back tomorrow. Stocks on your watchlist are always free to view.