Zhibao Technology Inc (ZBAO) Fair Value & Analysis
Financial Services · US · Market cap $15.7M
Zhibao Technology Inc
ZBAO · US
Fair value as of: Aug 12, 2026
From 1 valuation models · updated today
Fair value updated Aug 12, 2026, revised from $0.8810 to $0.2103 (−76.1%) since Jul 5, 2026. Share price −54.0% over the past month.
Below-average quality, currently priced close to our fair value.
What matters now
- The price sits close to our fair value, market and models broadly agree here, little valuation tension.
- A fairly wide model range ($0.1390 to $0.2626) 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.
Price vs Fair Value (2 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 12, 2026.
How to read this chart
28‑month range $0.1590 – $4.61 · fair‑value band $0.1390 – $0.2626 · the $0.1950 price screens below the $0.2103 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 12, 2026.
Analysis
Zhibao Technology Inc (ZBAO) currently trades at $0.1950, while our model-based Fair Value estimate is $0.2103, implying the stock looks roughly 7.9% fairly valued today. The Quality Score stands at 36/100 (below-average quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: low), always confirm before acting.
Over the trailing twelve months, Zhibao Technology Inc generated revenue of $337M at a net margin of -19.5%. Revenue grew 40.7% year over year. It earns a return on equity of -99.7%. Net debt stands at $17.2M. Fundamentals as of Aug 12, 2026
Our scenario range runs from $0.1390 (bear case) to $0.2626 (bull case); at $0.1950, 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 8%, ZBAO 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 1 models by family
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 12, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 35 · Market factors (momentum, volatility) 7
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
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.
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Zhibao Technology Inc reported revenue of $277M in FY2025 versus $108M in FY2021, a compound +26.5%/yr. Reported net income was −$62.0M in FY2025.
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Peer Group
Insurance Brokers · 36 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 12, 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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