Zhibao Technology Inc. Class A (ZBAO) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of Zhibao Technology Inc. Class A $0.07, price $0.10, upside -25.1%, quality 36 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 27, 2026.
How to read this chart
30‑month range $0.0798 – $4.61 · fair‑value band $0.0534 – $0.1086 · the $0.0958 price screens above the $0.0718 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 27, 2026.
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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.
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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.
Stock analysis
Zhibao Technology Inc. Class A Ordinary Shares (ZBAO) currently trades at $0.0958, while our model-based Fair Value estimate is $0.0718, 25.1% below the price, so the stock looks overvalued today.
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Valuation
How firm this estimate is: it rests on 1 models at a data quality of 95/100, which puts the evidence level at low.
Scenario range: $0.0534 (bear) to $0.1086 (bull), the price of $0.0958 sits inside 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 36/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Zhibao Technology Inc. Class A Ordinary Shares reported revenue of 277M CNY in FY2025 versus 108M CNY in FY2021, a compound +26.5%/yr. Reported net income was −62.0M CNY in FY2025.
Key figures
Market cap $15.7M · P/S ratio 0.05 · EPS (TTM) $−0.3000 · Net margin −22.4% · Return on equity −99.7% · Return on assets (EBIT) −2.6% · Operating margin 2.3% · Revenue (TTM) 337M CNY.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 33 out of 100 (medium confidence).
What moves the price
The share trades about 92% below its 52-week high and 20% above its 52-week low.
For context, the median of 10 Financial Services peers we cover trades at −54% fair-value upside, at −25%, ZBAO screens cheaper than that median.
Fair Value models
Bear $0.0534Fair Value $0.0718Bull $0.1086
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.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.Evidence ⓘEvidence = 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.44/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+50.8%
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.
+24.9%
Revenue growth 5 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.
+43.4%
Start year 2020 (pandemic)
’20
’21
’22
’23
’24
’25
Profit margin (trend) ⓘ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.
−78.4% (2020) → −19.3% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
Compare Zhibao Technology Inc. Class A Ordinary Shares 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 · 37 stocks
Beats the industry median on 2/6 measures
Overall it trails its industry peers.
Valuation
Quality Score35 · Bottom 25%
Fair Value upside−33.8% · Above median
Profitability
Return on assets−11.0% · Bottom 25%
Net margin (TTM)−19.5% · Bottom 25%
Operating margin (TTM)2.3% · Bottom 25%
Growth and dividend
Revenue growth40.7% · Top 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 0
FUTURE (revenue growth)100· sector 54
PAST (return on equity)0· sector 56
HEALTH (low debt)0· sector 84
DIVIDEND (yield)0· sector 94
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). "Zhibao Technology Inc. Class A Ordinary Shares Fair Value". https://www.fairvalue-calculator.com/stock/ZBAO
Frequently asked questions
Is Zhibao Technology Inc. Class A (ZBAO) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of $0.0718 versus a price of $0.0958, about −25% upside (overvalued).
What is the fair value of ZBAO?
Our model-based fair value for Zhibao Technology Inc. Class A Ordinary Shares is $0.0718 (as of Sep 27, 2026), built from audited fundamentals. The current price: $0.0958.
What is the quality score of ZBAO?
Zhibao Technology Inc. Class A Ordinary Shares has a Quality Score of 36/100. 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 Zhibao Technology Inc. Class A (ZBAO)?
Our model-based price target is the fair value of $0.0718 (as of Sep 27, 2026) from 1 valuation models. Cautious scenario $0.0534, optimistic scenario $0.1086. It is a calculation from audited fundamentals, not an analyst target.
What is the Zhibao Technology Inc. Class A Ordinary Shares stock forecast for 2026?
Our models put fair value at $0.0718, about −25% upside versus a price of $0.0958 (overvalued). Cautious scenario $0.0534, optimistic scenario $0.1086. The calculation is refreshed regularly with new filings.
What is the revenue of Zhibao Technology Inc. Class A (ZBAO)?
Zhibao Technology Inc. Class A Ordinary Shares reported trailing-twelve-month revenue of about 337M CNY (latest available figure, as of Sep 27, 2026).
What is the intrinsic value of Zhibao Technology Inc. Class A (ZBAO)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Zhibao Technology Inc. Class A Ordinary Shares it is $0.0718 per share (as of Sep 27, 2026), against a price of $0.0958. It is the blended result of 1 valuation models (cash flow, earnings, asset, dividend).
Is Zhibao Technology Inc. Class A Ordinary Shares stock overvalued or undervalued in 2026?
As of Sep 27, 2026, ZBAO trades above its calculated fair value: price $0.0958, fair value $0.0718, a gap of about −25% (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 ZBAO?
No. The price is what the market pays today ($0.0958); the fair value is what the company's own numbers justify ($0.0718). For Zhibao Technology Inc. Class A Ordinary Shares the two are $0.0240 per share apart. That gap is exactly why we show both numbers side by side.
How much is Zhibao Technology Inc. Class A Ordinary Shares worth?
The market values Zhibao Technology Inc. Class A Ordinary Shares at about $15.7M (market capitalisation, as of Sep 27, 2026). Per share that is $0.0958; our models calculate a fair value of $0.0718 per share.
What do the bullish and bearish scenarios say about ZBAO?
Our models span a range for Zhibao Technology Inc. Class A Ordinary Shares: cautious scenario $0.0534, base $0.0718, optimistic $0.1086 per share (as of Sep 27, 2026, price $0.0958). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Zhibao Technology Inc. Class A (ZBAO)?
Balance-sheet figures for Zhibao Technology Inc. Class A Ordinary Shares (as of Sep 27, 2026): return on equity −99.7%. They feed the Quality Score of 36/100, which measures business quality independently of the share price.
How far is ZBAO from its 52-week high?
Zhibao Technology Inc. Class A Ordinary Shares trades at $0.0958, about 92% below its 52-week high of $1.27 and 20% above the low of $0.0798 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of $0.0718 is for.
Which stocks are comparable to Zhibao Technology Inc. Class A Ordinary Shares?
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 Zhibao Technology Inc. Class A Ordinary Shares stock attractive at the current price?
The data as of Sep 27, 2026: price $0.0958, calculated fair value $0.0718 (−25%), Quality Score 36/100, from 1 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 ZBAO calculated?
We run Zhibao Technology Inc. Class A Ordinary Shares through 1 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $0.0718, 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 14.5 % above its aggregate fair value. Zhibao Technology Inc. Class A Ordinary Shares 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 Zhibao Technology Inc. Class A (ZBAO)?
The closing price on Oct 2, 2026 was $0.0958. Our model-based fair value is $0.0718, about −25% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Zhibao Technology Inc. Class A Ordinary Shares right now?
Weak quality (36/100) and above fair value at the same time, the margin of safety is missing on both counts. A fairly wide model range ($0.0534 to $0.1086) leaves room in how you read the outcome. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. 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 Zhibao Technology Inc. Class A Ordinary Shares
How large is the market capitalisation of Zhibao Technology Inc. Class A (ZBAO)?
The market capitalisation of Zhibao Technology Inc. Class A Ordinary Shares is $15.7M. 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 Zhibao Technology Inc. Class A (ZBAO)?
The price-to-sales ratio of Zhibao Technology Inc. Class A Ordinary Shares is 0.05 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Zhibao Technology Inc. Class A (ZBAO)?
Earnings per share at Zhibao Technology Inc. Class A Ordinary Shares are $−0.3000. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Zhibao Technology Inc. Class A (ZBAO)?
The net margin of Zhibao Technology Inc. Class A Ordinary Shares is −22.4% (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 Zhibao Technology Inc. Class A (ZBAO)?
The return on equity (ROE) of Zhibao Technology Inc. Class A Ordinary Shares is −99.7% (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 Zhibao Technology Inc. Class A (ZBAO)?
On an EBIT basis the return on assets of Zhibao Technology Inc. Class A Ordinary Shares is −2.6% (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 Zhibao Technology Inc. Class A (ZBAO)?
The operating margin of Zhibao Technology Inc. Class A Ordinary Shares is 2.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Zhibao Technology Inc. Class A (ZBAO)?
Revenue at Zhibao Technology Inc. Class A Ordinary Shares is growing +40.7% versus a year earlier (3y avg +24.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does Zhibao Technology Inc. Class A (ZBAO) generate?
The free cash flow of Zhibao Technology Inc. Class A Ordinary Shares is −20.5M CNY (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Zhibao Technology Inc. Class A (ZBAO) carry?
The net debt of Zhibao Technology Inc. Class A Ordinary Shares is 17.2M CNY (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Thin data
Sep 27, 2026