---
title: "ZHONGMIAO-500 (02902.HK)"
type: "quote"
locale: "en"
url: "https://longbridge.com/en/quote/02902.HK.md"
symbol: "02902.HK"
name: "ZHONGMIAO-500"
industry: "保险经纪公司"
---

# ZHONGMIAO-500 (02902.HK)

| Item | Detail |
|------|--------|
| Industry | 保险经纪公司 |

## Company Profile

众淼控股 (青岛) 股份有限公司是一家主要从事提供保险代理服务及解决方案的中国公司。该公司通过三个分部开展其业务。保险代理业务分部从事分销四类保险产品包括财产保险产品、人寿及健康保险产品、意外保险产品及汽车保险产品。信息技术 (IT) 服务分部从事提供涵盖保险业务主要流程的数字化解决方案。主要软件/系统包括保险营销系统、保险理赔系统、在线培训系统、保险中介核心业务系统及人工智能 (AI) 服务系统。谘询服务分部主要包括人力资源谘询服务以及营销及推广服务。该公司主要在国内市场开展业务。

## Financial Score

> *Longbridge Financial Score™ — Proprietary multi-factor rating model by [Longbridge](https://longbridge.com). This score is independently calculated by Longbridge and is not affiliated with any third-party rating agency.*
> Updated: 2026-02-26T04:30:11.000Z

**Overall: B (0.27)**

**Industry**: Insurance Brokers

| Metric | Value |
|--------|-------|
| Industry Median | B |
| Industry Average | B |

- **Style**: Blend - Stocks in which the company has both growth and mature businesses.
- **Scale**: Small - The company's operation has a high degree of growth and volatility, making it easy to achieve high investment returns.

### Score Analysis

**Style Score**: 

#### Growth Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 27.90% |  |
| Net Profit YoY | 21.08% |  |

#### Value Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| P/B Ratio | 0.00 |  |
| Dividend Ratio | 0.00% |  |


**Size Score**: 

#### Market Cap Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 2.54B |  |

#### Revenue Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue | 250.34M |  |


**Multi Score**: B

#### Profit Score: B

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | 10.10% | B |
| Profit Margin | 21.71% | A |
| Gross Margin | 37.08% | B |

#### Growth Score: A

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 27.90% | A |
| Net Profit YoY | 21.08% | B |
| Total Assets YoY | 51.34% | A |
| Net Assets YoY | 59.88% | A |

#### Cash Score: B

| Indicator | Value | Rating |
|-----------|-------|--------|
| Cash Flow Margin | 460.69% | C |
| OCF YoY | 27.90% | A |

#### Operating Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| Turnover | 0.43 | C |

#### Debt Score: A

| Indicator | Value | Rating |
|-----------|-------|--------|
| Gearing Ratio | 6.64% | A |


```chart-data:radar
{
  "title": "Longbridge Financial Score - ZHONGMIAO-500",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Profit",
      "grade": "B",
      "indicators": [
        {
          "name": "ROE",
          "value": "10.10%",
          "rating": "B"
        },
        {
          "name": "Profit Margin",
          "value": "21.71%",
          "rating": "A"
        },
        {
          "name": "Gross Margin",
          "value": "37.08%",
          "rating": "B"
        }
      ]
    },
    {
      "name": "Growth",
      "grade": "A",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "27.90%",
          "rating": "A"
        },
        {
          "name": "Net Profit YoY",
          "value": "21.08%",
          "rating": "B"
        },
        {
          "name": "Total Assets YoY",
          "value": "51.34%",
          "rating": "A"
        },
        {
          "name": "Net Assets YoY",
          "value": "59.88%",
          "rating": "A"
        }
      ]
    },
    {
      "name": "Cash",
      "grade": "B",
      "indicators": [
        {
          "name": "Cash Flow Margin",
          "value": "460.69%",
          "rating": "C"
        },
        {
          "name": "OCF YoY",
          "value": "27.90%",
          "rating": "A"
        }
      ]
    },
    {
      "name": "Operating",
      "grade": "C",
      "indicators": [
        {
          "name": "Turnover",
          "value": "0.43",
          "rating": "C"
        }
      ]
    },
    {
      "name": "Security",
      "grade": "A",
      "indicators": [
        {
          "name": "Gearing Ratio",
          "value": "6.64%",
          "rating": "A"
        }
      ]
    }
  ]
}
```

### Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
|------|------|--------|--------|-----------|----------|------|--------|
| 01 | 众淼控股 (HK.1471) | B | A | C | A | B | B |

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | 46.23 | 2/2 | 46.23 | 46.23 | 43.15 |
| PB | 3.82 | 2/2 | 3.82 | 3.82 | 3.57 |
| PS (TTM) | 10.04 | 2/2 | 10.04 | 10.04 | 9.37 |
| Dividend Yield | 0.00% | - | - | - | - |

## References

- [Company Overview](https://longbridge.com/en/quote/02902.HK/overview.md) - Shareholders, executives, business segments
- [Financials](https://longbridge.com/en/quote/02902.HK/norm.md) - Income statement, balance sheet, cash flow, distribution plan
- [Topics & Discussions](https://longbridge.com/en/quote/02902.HK/topics.md) - Community topics and discussions

---

> **Disclaimer**: This article is for reference only and does not constitute any investment advice.