Zhongmiao Holdings (1471) Fair Value & Analysis
Financial Services · HK · Market cap HK$1.5B
Fair value as of: Aug 5, 2026
From 4 valuation models · updated 5 days ago
Fair value updated Aug 5, 2026, revised from HK$8.45 to HK$6.59 (−22.0%) since Jul 2, 2026. Share price −15.9% over the past month.
A solid business, but screening 17% overvalued on our models.
What matters now
- Solid but not exceptional quality (64/100) and above fair value, neither a clear bargain nor a standout compounder.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (2 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 5, 2026.
How to read this chart
24‑month range HK$5.45 – HK$48.98 · fair‑value band HK$4.94 – HK$8.23 · the HK$7.91 price screens above the HK$6.59 fair value. Dashed = 300-day average. As of Aug 5, 2026.
Analysis
Zhongmiao Holdings (1471) currently trades at HK$7.91, while our model-based Fair Value estimate is HK$6.59, implying the stock looks roughly 16.7% overvalued today. The Quality Score stands at 64/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: medium).
Over the trailing twelve months, Zhongmiao Holdings generated revenue of HK$248M at a net margin of 20.8%. Revenue grew 14.6% year over year. It earns a return on equity of 8.5%. The balance sheet holds a net cash position of HK$205M. Fundamentals as of Aug 5, 2026
Our scenario range runs from HK$4.94 (bear case) to HK$8.23 (bull case); at HK$7.91, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. For context, the median of 10 Financial Services peers we cover trades at -38% fair-value upside, at -17%, 1471 screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 4 models by family
Widest divergence: Multiples (HK$4.73) versus Asset-Based (HK$2.28). Highest evidence: P/E Multiple (63).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 5, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 66 · Market factors (momentum, volatility) 3
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Zhongmiao Holdings (Qingdao) Co., Ltd. offers insurance agency service and solution in the People's Republic of China. It operates through two segments: Insurance Agency Business and finance technology services.
Full company description
Zhongmiao Holdings (Qingdao) Co., Ltd. offers insurance agency service and solution in the People's Republic of China. It operates through two segments: Insurance Agency Business and finance technology services. The company provides a range of insurance products, such as property, life and health, accident, and automobile insurance products through insurance agents, strategic channel partners, and direct sales to corporate and household insurance clients. It also offers IT services comprising insurance related systems, such as insurance claims system, insurance intermediary core business system, Insurance marketing and sales system, Online training system, and AI service systems; and consulting services, including human resources consulting, marketing, and promotion services. In addition, the company provides advice on human resource management and recruitment strategies; and recruitment services. The company has a strategic collaboration with the University of Emergency Management and Beijing Huizhi Zhong'an Technology Co., Ltd. for the development of a robot system for fire safety inspection. The company was founded in 2017 and is based in Qingdao, the People's Republic of China. Zhongmiao Holdings (Qingdao) Co., Ltd. operates as a subsidiary of Qingdao Haiyinghui Management Consulting Co., Ltd.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Zhongmiao Holdings reported revenue of HK$248M in FY2025 versus HK$120M in FY2021, a compound +19.9%/yr. Reported net income was HK$51.7M in FY2025, compounding +17.6%/yr from FY2021.
1471 screens 17% overvalued. Compare with Marsh & McLennan Companies, Inc →
Peer Group
Insurance Brokers · 35 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Insurance Brokers median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Insurance Brokers stocks, each showing price versus our Fair Value estimate (as of Aug 5, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Marsh & McLennan Companies, Inc MRSH | $182.18 | $112.25 | -38% |
| Aon plc AON | $367.21 | $224.91 | -39% |
| Arthur J. Gallagher & Co AJG | $253.09 | $75.58 | -70% |
| Willis Towers Watson Public Limited WTW | $285.12 | $220.92 | -23% |
| Brown & Brown, Inc BRO | $67.66 | $40.43 | -40% |
| Erie Indemnity Company ERIE | $227.31 | $157.43 | -31% |
| PB Fintech Limited POLICYBZR | ₹1,574 | ₹188.49 | -88% |
| Neptune Insurance Holdings NP | $31.03 | $3.52 | -89% |
| CorVel Corporation CRVL | $62.29 | $47.59 | -24% |
| Accelerant Holdings ARX | $13.52 | $18.06 | +34% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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