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ZhongAn Online P & C Insurance Co (ZZHGF) Fair Value & Analysis

Financial Services · US · Market cap $2.5B

Price$1.50
Fair Value$1.26
Upside-16.0%
Quality95/100
Evidence: High Range $0.9400 – $1.57

Fair value as of: Jun 26, 2026

Analysis

ZhongAn Online P & C Insurance Co (ZZHGF) currently trades at $1.50, while our model-based Fair Value estimate is $1.26 — implying the stock looks roughly 16.0% overvalued today. We read business quality at 95/100 (high 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: high).

About the company

ZhongAn Online P & C Insurance Co., Ltd., an Internet-based Insurtech company, provides internet insurance and insurance information technology services in the People's Republic of China. It operates through Insurance, Technology, Banking, and Others segments. The company offers critical illness, health, and outpatient and emergency insurance; e-commerce insurance; travel accident, and flight or hotel cancellation insurance; motor insurance; cargo and shipping return insurance; credit and bond insurance; pet, pet food safety, pet transport protection, pet anesthesia accident, pet critical illness insurance, pet third-party liability, pet death compensation, and employee accident insurance for the pet industry; liability insurance; and drone and household property insurance solutions. It also offers IT related business, international IT consulting; banking services; and online life insurance services, insurance brokerage, and medical services. In addition, the company offers technolo…

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Frequently asked questions

Is ZhongAn Online P & C Insurance Co (ZZHGF) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $1.26 versus a price of $1.50 — about −16% (overvalued). Model-based estimate, not financial advice.
What is the fair value of ZZHGF?
Our 21-model fair value for ZhongAn Online P & C Insurance Co is $1.26 (as of Jun 26, 2026), built from audited fundamentals. The current price is $1.50.
What is the quality score of ZZHGF?
ZhongAn Online P & C Insurance Co has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

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.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.