Zhibao Technology Inc. Class A (ZBAO)
NASDAQ:ZBAO
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Zhibao Technology Inc. Class A
(NASDAQ:ZBAO)
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Rating:41Neutral
Price Target:
$0.55
▼(-42.89% Downside)
Action:Reiterated
Date:06/04/26
The score is primarily dragged down by weak financial performance—sharp 2025 revenue decline, a swing back to losses, and persistent negative operating/free cash flow—along with a riskier 2025 balance sheet (debt above equity). Technicals add further pressure as the stock trades below major moving averages, while valuation is constrained by negative earnings (negative P/E).
Positive Factors
Tech-enabled embedded insurance platform
Zhibao's proprietary PaaS and AI/big-data capabilities underlie a durable competitive advantage: embedding insurance into partners' ecosystems creates high switching costs, enables tailored product economics, and supports scalable B2B2C growth that can sustain revenue streams as distribution expands.
Negative Factors
Negative cash generation
Persistent negative operating and free cash flow erodes self‑funding capacity and forces reliance on external financing. Over months this raises liquidity and refinancing risk, constrains capital allocation for growth or product investment, and increases vulnerability to market stress.
Read all positive and negative factors
Positive Factors
Negative Factors
Tech-enabled embedded insurance platform
Zhibao's proprietary PaaS and AI/big-data capabilities underlie a durable competitive advantage: embedding insurance into partners' ecosystems creates high switching costs, enables tailored product economics, and supports scalable B2B2C growth that can sustain revenue streams as distribution expands.
Read all positive factors
Zhibao Technology Inc. Class A (ZBAO) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$19.30M
Dividend YieldN/A
Average Volume (3M)98.66K
Price to Earnings (P/E)―
Beta (1Y)1.16
Revenue Growth37.29%
EPS Growth-396.13%
CountryUS
Employees164
SectorFinancial
Sector Strength70
IndustryInsurance - Brokers
Share Statistics
EPS (TTM)-1.99
Shares Outstanding16,452,020
10 Day Avg. Volume104,053
30 Day Avg. Volume98,658
Financial Highlights & Ratios
PEG Ratio<0.01
Price to Book (P/B)9.38
Price to Sales (P/S)0.12
P/FCF Ratio-11.27
Enterprise Value/Market Cap6.90
Enterprise Value/Revenue0.40
Enterprise Value/Gross Profit0.99
Enterprise Value/Ebitda-2.43
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Zhibao Technology Inc. Class A Business Overview & Revenue Model
Company Description
Zhibao Technology Inc., operating through its various affiliated entities, offers online insurance brokerage services across the Chinese market. Beyond this primary activity, the company also furnishes managing general underwriter (MGU) capabiliti...
Zhibao Technology Inc. Class A Financial Statement Overview
Summary
Income Statement
34
Negative
Balance Sheet
38
Negative
Cash Flow
18
Very Negative
| Breakdown | TTM | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 | Jun 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 331.10M | 1.98B | 183.66M | 142.06M | 108.20M | 45.60M |
| Gross Profit | 133.86M | 813.60M | 74.76M | 58.60M | 47.16M | 24.22M |
| EBITDA | -54.70M | -416.24M | 22.87M | -38.30M | 16.70M | -32.47M |
| Net Income | -64.86M | -444.30M | 13.25M | -43.09M | 14.26M | -37.03M |
Balance Sheet | ||||||
| Total Assets | 40.48M | 170.59M | 28.73M | 128.00M | 95.87M | 69.40M |
| Cash, Cash Equivalents and Short-Term Investments | 3.93M | 10.27M | 330.47K | 9.87M | 2.59M | 1.83M |
| Total Debt | 5.79M | 27.49M | 4.17M | 31.54M | 29.60M | 38.64M |
| Total Liabilities | 33.43M | 145.92M | 19.93M | 96.55M | 77.19M | 71.71M |
| Stockholders Equity | 2.84M | 24.67M | 8.81M | 31.45M | 18.68M | -2.31M |
Cash Flow | ||||||
| Free Cash Flow | -106.48M | -20.53M | -4.40M | -3.04M | -1.22M | -17.67M |
| Operating Cash Flow | -106.48M | -20.53M | -3.81M | -1.17M | -1.03M | -17.27M |
| Investing Cash Flow | 2.71M | -14.87M | -81.96K | 14.55M | -3.31M | -6.07M |
| Financing Cash Flow | 12.29M | 9.80M | 4.25M | -4.74M | 6.90M | 20.10M |
Zhibao Technology Inc. Class A Technical Analysis
Negative
0.97
Price Trends
0.76
Negative
0.81
Negative
0.90
Negative
Market Momentum
-0.05
Positive
34.49
Neutral
23.31
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ZBAO, the sentiment is Negative. The current price of 0.97 is above the 20-day moving average (MA) of 0.75, above the 50-day MA of 0.76, and above the 200-day MA of 0.90, indicating a bearish trend. The MACD of -0.05 indicates Positive momentum. The RSI at 34.49 is Neutral, neither overbought nor oversold. The STOCH value of 23.31 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for ZBAO.
Zhibao Technology Inc. Class A Risk Analysis
Zhibao Technology Inc. Class A disclosed 71 risk factors in its most recent earnings report. Zhibao Technology Inc. Class A reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Zhibao Technology Inc. Class A Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
61 Neutral | $76.17M | 3.46 | 2.94% | ― | -1.61% | 1929.09% | |
44 Neutral | $32.12M | -0.57 | -53.60% | ― | ― | 15.42% | |
41 Neutral | $19.30M | -1.99 | -404.40% | ― | 37.29% | -396.13% | |
41 Neutral | $4.01M | -0.09 | -1292.87% | ― | ― | -72.78% |
* Financial Sector Average
ZBAO
Zhibao Technology Inc. Class A
0.58
-0.45
-43.69%
INHD
Inno Holdings, Inc.
39.49
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FBLG
FibroBiologics, Inc.
0.77
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LGCL
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UBXG
U-BX Technology Ltd.
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-89.54%
BOLD
Boundless Bio Inc.
1.43
0.40
38.83%
Zhibao Technology Inc. Class A Corporate Events
Zhibao Technology Raises Up to $6.67 Million via Senior Secured Convertible Notes
Apr 10, 2026
On April 8, 2026, Zhibao Technology Inc. signed a securities purchase agreement with a third-party investor for a private placement of up to $6.67 million in senior secured convertible notes, featuring a 10% original issue discount and conversion ...
Zhibao Technology Swings to Profit and Expands via Zhonglian Acquisition in Latest Half-Year
Mar 31, 2026
Zhibao Technology Inc., a Cayman Islands–registered InsurTech holding company, runs its main operations in China through subsidiaries Zhibao China and Sunshine Insurance Brokers, where it has pioneered a 2B2C digital embedded insurance model...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.