Zhongmiao Hldg (Qingdao) Co (1471) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Zhongmiao Hldg (Qingdao) Co stock HK$3.97, price HK$8.57, that is 53.6% below the price, quality 65 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.
How to read this chart
27‑month range HK$5.45 – HK$48.98 · fair‑value band HK$3.87 – HK$4.30 · the HK$8.57 price screens above the HK$3.97 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.
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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.
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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.
Stock analysis
Zhongmiao Hldg (Qingdao) Co (1471) currently trades at HK$8.57, while our model-based Fair Value estimate is HK$3.97, 54% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of HK$5.53 per share, and 0 of the 6 models we run sit above the HK$8.57 price.
Bear case: the Dividend Discount group reads lowest at HK$1.67, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: HK$3.87 (bear) to HK$4.30 (bull), the price of HK$8.57 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 65/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Zhongmiao Hldg (Qingdao) Co reported revenue of 248M CNY in FY2025 versus 120M CNY in FY2021, a compound +19.9%/yr. Reported net income was 51.7M CNY in FY2025, compounding +17.6%/yr from FY2021.
Key figures
Market cap HK$1.2B (≈ $154M) Micro · P/E ratio 18.0 · P/S ratio 3.75 · Dividend yield 1.9% · Net margin 20.8% · Return on equity 11.6% · Return on assets (EBIT) 10.7% (5-year average) · Operating margin 29.8%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 69 out of 100 (low confidence).
What moves the price
The share trades about 83% below its 52-week high and 14% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −59% fair-value upside, at −54%, 1471 screens cheaper than that median.
Fair Value models
BearHK$3.87Fair Value HK$3.97BullHK$4.30
Price HK$8.57 · Downside -53.6%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.95/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+20.5%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+18.7%
’21
’22
’23
’24
’25
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+15.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+13.8%
Dividend (yield on the price)1.9%
Profit margin 2021 to 2024 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.27% → 28%
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−5.4%
The company could shrink this much every year for the next five years and today's price would still be justified.
What forecasts expect
n/a
No analyst forecast available.
After inflation (figures in CNY, China: IMF forecast 1.7% a year to 2030, 1.4% from 2016 to 2025) that is about −7.0% a year for the price.
Compare Zhongmiao Hldg (Qingdao) Co with another stock
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Peer Groupⓘ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.Insurance Brokers · 31 stocks
Beats the industry median on 10/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score65 · Above median
Fair Value upside−53.6% · Below median
Profitability
Return on equity (12 months)11.6% · Below median
Return on assets5.0% · Below median
Net margin (12 months)20.3% · Top 25%
Operating margin (12 months)29.8% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)56.5% · Top 25%
Dividend yield (12 months)1.9% · Below median
Balance sheet
Debt / equity0.14× · Below median
Valuation Multiplesvs Insurance Brokers median · lower = cheaper
P/E (12 months)18.0× · Cheaper than median
P/B1.63× · Cheapest 25%
P/S (12 months)3.30× · Cheaper than median
Price / free cash flow (fiscal year)11.7× · Cheaper than median
EV/EBITDA9.5× · Cheaper than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 0
FUTURE (revenue growth)100· sector 26
PAST (return on equity)46· sector 69
HEALTH (low debt)93· sector 74
DIVIDEND (yield)37· sector 67
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Zhongmiao Hldg (Qingdao) Co Fair Value". https://www.fairvalue-calculator.com/stock/1471
Frequently asked questions
Is Zhongmiao Hldg (Qingdao) Co (1471) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of HK$3.97 versus a price of HK$8.57, about 54% lower (overvalued).
What is the fair value of 1471?
Our model-based fair value for Zhongmiao Hldg (Qingdao) Co is HK$3.97 (as of Nov 8, 2026), built from audited fundamentals. The current price: HK$8.57.
What is the quality score of 1471?
Zhongmiao Hldg (Qingdao) Co has a Quality Score of 65/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Zhongmiao Hldg (Qingdao) Co (1471)?
Our model-based price target is the fair value of HK$3.97 (as of Nov 8, 2026) from 6 valuation models. Cautious scenario HK$3.87, optimistic scenario HK$4.30. It is a calculation from audited fundamentals, not an analyst target.
What is the Zhongmiao Hldg (Qingdao) Co stock forecast for 2026?
Our models put fair value at HK$3.97, about 54% lower versus a price of HK$8.57 (overvalued). Cautious scenario HK$3.87, optimistic scenario HK$4.30. The calculation is refreshed regularly with new filings.
What is the revenue of Zhongmiao Hldg (Qingdao) Co (1471)?
Zhongmiao Hldg (Qingdao) Co reported trailing-twelve-month revenue of about 312M CNY (latest available figure, as of Nov 8, 2026).
Does Zhongmiao Hldg (Qingdao) Co pay a dividend?
Zhongmiao Hldg (Qingdao) Co currently shows a dividend yield of 1.87% relative to its recent price (as of Nov 8, 2026).
How much is the dividend of Zhongmiao Hldg (Qingdao) Co (1471) and when is the ex-dividend date?
Zhongmiao Hldg (Qingdao) Co pays a dividend of HK$0.16 per share a year, a dividend yield of 1.9%. The last ex-dividend date was Jun 1, 2026. The payout ratio is 36.9% of earnings. Free cash flow covers the dividend 4.63 times. Our assessment: Well covered. A low payout and the dividend is fully funded by free cash flow, a comfortable, sustainable dividend.
What growth is priced into Zhongmiao Hldg (Qingdao) Co (1471)?
For today's price to be fair in a discounted-cash-flow model, Zhongmiao Hldg (Qingdao) Co would have to grow free cash flow by -5.4 % per year for five years (discount rate 13.3 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 4 years revenue grew +19.9 % per year. As of Nov 8, 2026.
What discount rate (WACC) does the fair value of 1471 use?
Our models discount Zhongmiao Hldg (Qingdao) Co at 13.3 %: a base by market capitalisation (micro), country premium for Hong Kong. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Zhongmiao Hldg (Qingdao) Co that is -5.4 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (13.3 %) and the same formula as our fair value.
How much growth has Zhongmiao Hldg (Qingdao) Co (1471) delivered so far?
Over the past 4 years revenue at Zhongmiao Hldg (Qingdao) Co grew +19.9 % a year. The price currently implies free-cash-flow growth of -5.4 % per year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Zhongmiao Hldg (Qingdao) Co (1471) growing?
The median revenue growth in the sector is +6.0 % a year. That is the yardstick for the growth priced into Zhongmiao Hldg (Qingdao) Co (-5.4 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Zhongmiao Hldg (Qingdao) Co (1471)?
The free-cash-flow yield on the price is 8.58 %: that much free cash flow Zhongmiao Hldg (Qingdao) Co produces per unit of market value. When it exceeds the discount rate of our models (13.3 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Zhongmiao Hldg (Qingdao) Co (1471)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Zhongmiao Hldg (Qingdao) Co it is HK$3.97 per share (as of Nov 8, 2026), against a price of HK$8.57. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Zhongmiao Hldg (Qingdao) Co stock overvalued or undervalued in 2026?
As of Nov 8, 2026, 1471 trades above its calculated fair value: price HK$8.57, fair value HK$3.97, a gap of about −54% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 1471?
No. The price is what the market pays today (HK$8.57); the fair value is what the company's own numbers justify (HK$3.97). For Zhongmiao Hldg (Qingdao) Co the two are HK$4.60 per share apart. That gap is exactly why we show both numbers side by side.
How much is Zhongmiao Hldg (Qingdao) Co worth?
The market values Zhongmiao Hldg (Qingdao) Co at about HK$1.2B (market capitalisation, as of Nov 8, 2026). Per share that is HK$8.57; our models calculate a fair value of HK$3.97 per share.
What do the bullish and bearish scenarios say about 1471?
Our models span a range for Zhongmiao Hldg (Qingdao) Co: cautious scenario HK$3.87, base HK$3.97, optimistic HK$4.30 per share (as of Nov 8, 2026, price HK$8.57). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 1471?
Zhongmiao Hldg (Qingdao) Co trades at a price-to-earnings ratio of 18.0 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of HK$3.97 is built from several models across several years. Other multiples: P/B 1.6, P/S 3.3, EV/EBITDA 9.5.
How solid is the balance sheet of Zhongmiao Hldg (Qingdao) Co (1471)?
Balance-sheet figures for Zhongmiao Hldg (Qingdao) Co (as of Nov 8, 2026): return on equity 11.6%, debt of 0.14 per unit of equity. They feed the Quality Score of 65/100, which measures business quality independently of the share price.
How far is 1471 from its 52-week high?
Zhongmiao Hldg (Qingdao) Co trades at HK$8.57, about 83% below its 52-week high of HK$48.98 and 14% above the low of HK$7.51 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of HK$3.97 is for.
Which stocks are comparable to Zhongmiao Hldg (Qingdao) Co?
From the same area (Financial Services) we also value Marsh & McLennan Companies, Inc, Arthur J. Gallagher & Co, Aon plc, Willis Towers Watson Public Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Zhongmiao Hldg (Qingdao) Co stock attractive at the current price?
The data as of Nov 8, 2026: price HK$8.57, calculated fair value HK$3.97 (−54%), Quality Score 65/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 1471 calculated?
We run Zhongmiao Hldg (Qingdao) Co through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of HK$3.97 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Zhongmiao Hldg (Qingdao) Co itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Zhongmiao Hldg (Qingdao) Co (1471)?
The closing price on Nov 6, 2026 was HK$8.57. Our model-based fair value is HK$3.97, about 54% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Zhongmiao Hldg (Qingdao) Co right now?
The price sits above even our optimistic bull case (HK$4.30). The favourable scenario is already priced in. Solid but not exceptional quality (65/100) and above fair value, neither a clear bargain nor a standout compounder. The models converge in a tight band (HK$3.87 to HK$4.30), unusually little disagreement for a valuation. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Zhongmiao Hldg (Qingdao) Co
How large is the market capitalisation of Zhongmiao Hldg (Qingdao) Co (1471)?
The market capitalisation of Zhongmiao Hldg (Qingdao) Co is HK$1.2B (≈ $154M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Zhongmiao Hldg (Qingdao) Co (1471)?
The price-to-sales ratio of Zhongmiao Hldg (Qingdao) Co is 3.75 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What is the dividend yield of Zhongmiao Hldg (Qingdao) Co (1471)?
The dividend yield of Zhongmiao Hldg (Qingdao) Co is 1.9%. Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Zhongmiao Hldg (Qingdao) Co (1471)?
The net margin of Zhongmiao Hldg (Qingdao) Co is 20.8% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Zhongmiao Hldg (Qingdao) Co (1471)?
The return on equity (ROE) of Zhongmiao Hldg (Qingdao) Co is 11.6% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Zhongmiao Hldg (Qingdao) Co (1471)?
On an EBIT basis the return on assets of Zhongmiao Hldg (Qingdao) Co is 10.7% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Zhongmiao Hldg (Qingdao) Co (1471)?
The operating margin of Zhongmiao Hldg (Qingdao) Co is 29.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Zhongmiao Hldg (Qingdao) Co (1471)?
Revenue at Zhongmiao Hldg (Qingdao) Co is growing +56.5% versus a year earlier (3y avg +18.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Zhongmiao Hldg (Qingdao) Co (1471)?
Earnings per share at Zhongmiao Hldg (Qingdao) Co are growing +46.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Zhongmiao Hldg (Qingdao) Co (1471) hold?
Zhongmiao Hldg (Qingdao) Co holds more cash than debt, 205M CNY net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Broad data
Nov 8, 2026