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:
$0.75
▼(-22.37% Downside)
Action:ReiteratedDate:03/24/26
The score is primarily held down by weak financial performance—especially persistent negative operating/free cash flow, a sharp 2025 revenue decline, and a return to sizable losses alongside higher leverage vs. equity. Technicals add further pressure with the price below all key moving averages and negative MACD. Valuation provides limited support due to a negative P/E tied to losses and no indicated dividend yield.
Positive Factors
Embedded 2B2C distribution scale
A large partner network and 27M end customers create a durable distribution moat for embedded insurance. Recurring placement through partners can sustain revenue streams, lower customer acquisition costs, and make scaling new products more efficient over the medium term.
Negative Factors
Persistent negative operating and free cash flow
Chronic negative OCF and steep FCF deterioration reduce self-funding ability and increase reliance on external capital. Over months, sustained cash burn limits investment in growth, forces austerity or dilutive financing, and elevates refinancing risk if markets tighten.
Read all positive and negative factors
Positive Factors
Negative Factors
Embedded 2B2C distribution scale
A large partner network and 27M end customers create a durable distribution moat for embedded insurance. Recurring placement through partners can sustain revenue streams, lower customer acquisition costs, and make scaling new products more efficient over the medium term.
Read all positive factors
Zhibao Technology Inc. Class A (ZBAO) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$24.00M
Dividend YieldN/A
Average Volume (3M)98.66K
Price to Earnings (P/E)―
Beta (1Y)0.81
Revenue Growth80.80%
EPS GrowthN/A
CountryUS
Employees164
SectorFinancial
Sector Strength70
IndustryInsurance - Brokers
Share Statistics
EPS (TTM)-0.02
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)9.65
Price to Sales (P/S)0.87
P/FCF Ratio-11.60
Enterprise Value/Market Cap1.08
Enterprise Value/Revenue0.53
Enterprise Value/Gross Profit2.91
Enterprise Value/Ebitda-3.84
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., 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 founde...
Zhibao Technology Inc. Class A Financial Statement Overview
Summary
Income Statement
34
Negative
Balance Sheet
38
Negative
Cash Flow
18
Very Negative
| Breakdown | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 | Jun 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 38.38M | 25.27M | 19.61M | 16.15M | 7.05M |
| Gross Profit | 15.29M | 10.29M | 8.09M | 7.04M | 3.75M |
| EBITDA | -6.85M | 3.15M | ― | 2.49M | -5.02M |
| Net Income | -8.59M | 1.82M | -5.95M | 2.13M | -5.73M |
Balance Sheet | |||||
| Total Assets | 23.83M | 208.79M | 17.63M | 14.33M | 10.74M |
| Cash, Cash Equivalents and Short-Term Investments | 2.03M | 2.40M | 1.36M | 387.15K | 635.65K |
| Total Debt | 4.28M | 30.28M | 4.38M | 4.68M | 6.18M |
| Total Liabilities | 20.38M | 144.80M | 13.30M | 11.53M | 11.10M |
| Stockholders Equity | 3.45M | 63.99M | 4.33M | 2.79M | -357.89K |
Cash Flow | |||||
| Free Cash Flow | -2.87M | -4.40M | -419.11K | -182.23K | -2.73M |
| Operating Cash Flow | -2.87M | -3.81M | -161.55K | -153.23K | -2.67M |
| Investing Cash Flow | -2.08M | -81.96K | 2.01M | -494.74K | -938.80K |
| Financing Cash Flow | 1.37M | 4.25M | -654.86K | 1.03M | 3.03M |
Zhibao Technology Inc. Class A Technical Analysis
Negative
0.97
Price Trends
0.86
Negative
0.91
Negative
0.96
Negative
Market Momentum
-0.04
Positive
39.07
Neutral
5.17
Positive
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 0.84, above the 50-day MA of 0.86, and above the 200-day MA of 0.96, indicating a bearish trend. The MACD of -0.04 indicates Positive momentum. The RSI at 39.07 is Neutral, neither overbought nor oversold. The STOCH value of 5.17 is Positive, 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% | |
53 Neutral | $66.76M | 0.18 | -7.01% | ― | ― | ― | |
42 Neutral | $24.20M | -0.46 | -49.73% | ― | ― | -0.50% | |
41 Neutral | $24.00M | -3.87 | ― | ― | 80.80% | ― | |
40 Underperform | $4.85M | -0.54 | -1292.87% | ― | ― | 18.47% |
* Financial Sector Average
ZBAO
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Zhibao Technology Inc. Class A Corporate Events
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...
Zhibao Technology Launches 2026 Equity Incentive Plan Authorizing 4.8 Million Shares
Feb 17, 2026
On February 16, 2026, Zhibao Technology Inc.’s board adopted a new 2026 Equity Incentive Plan, effective the same day, with a ten-year term unless terminated earlier. The plan authorizes the issuance of up to 4,842,853 Class A ordinary share...
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.