Zhibao Technology Inc. Class A Ordinary Shares (ZBAO)

FairStock Score: 26/100 — RISKY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a Buffett/Graham investor, I want a business with durable earnings, a strong balance sheet, and a price that offers a margin of safety. Zhibao is a Chinese digital insurance broker and managing general underwriter with 137 employees. At the close on 2026-10-13, the price was $1.89 and the market cap was $24.1 million. That is a tiny company, and the figures are not reassuring. FairStock's calculated P/E is -6.10, P/B is 21.00, ROE is -99.67%, and ROCE is -11.02%. A negative P/E means there are no profits to value, while a P/B of 21 times means the market is paying a very high price for each dollar of book value. Debt-to-equity of 1.12 adds leverage. The Piotroski F-Score of 1/9 and Altman Z-Score of -1.05 point to weak financial health and possible distress risk. The FairStock Score is 26/100. The Lynch category is none because there are only 0 years of filed results and three are needed, so I have no multi-year record to judge. Revenue growth and profit growth are not available, and there is no dividend. Beta of 1.74 and the 52-week range of $0.08 to $4.65 show violent price swings. The company may have a niche in digital insurance brokerage, but I cannot see a moat or a margin of safety in these numbers. Growth trajectory is unproven.

In plain English: Zhibao Technology is a small Chinese company that sells insurance products and related digital services. Its business looks weak: it is losing money, has little filed financial history, and its market price is high compared with its book value. At $1.89 a share, the price looks expensive relative to those numbers.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer