Stocktoria
Zhibao Technology Inc. ZBAO
Zhibao Technology Inc. (ZBAO) earns a Piotroski F-score of 3/9 (weak financial health), with an Altman Z″ in the distress zone. It does not currently pay a dividend. FY2025 revenue was $276.9M at a -3.1% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Beneish M-score: -2.87 — low (below −2.22 — no manipulation red flag) . A statistical screen for earnings manipulation, not proof — and it doesn't apply to most banks/insurers.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 3/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″ components · distress zone
| Component | Value |
|---|---|
| Working capital / assets | 0.002 |
| Retained earnings / assets | -1.135 |
| EBIT / assets | -0.314 |
| Equity / liabilities | 0.169 |
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| ZBAO | Zhibao Technology Inc. | 3/9 | -5.62 | — | +50.8% |
| TWFG | TWFG, Inc. | 3/9 | 9.7 | — | +22% |
| HUIZ | Huize Holding Ltd | 5/9 | 0.76 | — | +32.2% |
| GSHD | Goosehead Insurance, Inc. | 5/9 | 0.41 | 60 | +16.2% |
| LIFE | Ethos Technologies Inc. | 4/9 | 1.8 | 17.3 | +52% |
| RDZN | Roadzen Inc. | 3/9 | — | — | +24.2% |
| XHG | XChange TEC.INC | 2/9 | — | — | +24.9% |
All Finance, Insurance & Real Estate companies →
About Zhibao Technology Inc.
Zhibao Technology Inc., through its subsidiaries, provides digital insurance brokerage services in the People's Republic of China. The company also offers managing general underwriter services. In addition, it provides insurance product design and customization, selection of insurance companies, technology system interconnection and delivery, customer AARRR (Acquisition, Activation, Retention, Referral, and Revenue) operation, customer service, compliance management, and data analysis. Further, the company operates a digital insurance brokerage platform that offers a portfolio of 2B2C (to-business-to-customer) insurance tools for building the systems required for various insurance solutions. Additionally, it engages in research and development; offline insurance brokerage consulting; and healthcare services. The company serves the travel, outdoor activity, sports, logistics and supply chain, municipal gas and electricity utilities, and e-commerce industries. Zhibao Technology Inc. was founded in 2015 and is headquartered in Shanghai, China.
FAQ
Is ZBAO financially healthy?
Zhibao Technology Inc.'s Piotroski F-score is 3/9 (8–9 is excellent, 0–3 weak), and its Altman Z″ distress score is in the distress zone.
Does ZBAO pay a dividend?
No, Zhibao Technology Inc. does not currently pay a dividend.
How profitable is ZBAO?
In FY2025, Zhibao Technology Inc. had a net margin of -3.1% and a return on equity of -251.2%.
Is ZBAO a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on Zhibao Technology Inc.: a Piotroski F-score of 3/9, an Altman Z″ in the distress zone. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-06-30. Facts plus Stocktoria's own computed scores — not investment advice.