---
title: "Zhibao Technology Inc. (ZBAO.US)"
type: "quote"
locale: "en"
url: "https://longbridge.com/en/quote/ZBAO.US.md"
symbol: "ZBAO.US"
name: "Zhibao Technology Inc."
industry: "保险经纪公司"
---

# Zhibao Technology Inc. (ZBAO.US)

| Item | Detail |
|------|--------|
| Industry | 保险经纪公司 |
| Location | 美股市场 |
| Website | [www.zhibao-tech.com](https://www.zhibao-tech.com) |

## Company Profile

智保科技公司通过其子公司在中华人民共和国提供数字保险经纪服务。该公司还提供管理总承销商服务。此外，它提供保险产品设计与定制、保险公司选择、技术系统互联与交付、客户 AARRR（获取、激活、留存、推荐和收入）运营、客户服务、合规管理和数据分析。进一步而言，该公司运营一个数字保险经纪平台，提供一系列 2B2C（企业对消费者）保险工具，以构建各种保险解决方案所需的系统

## 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: 2026-02-25T04:30:13.000Z

**Overall: C (0.52)**

**Industry**: Insurance Brokers

| Metric | Value |
|--------|-------|
| Industry Ranking | 27 / 34 |
| Industry Median | C |
| Industry Average | C |

- **Style**: Growth - Stocks whose main business is in the growth stage.
- **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 | 51.54% |  |
| Net Profit YoY | -570.38% |  |

#### Value Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| P/B Ratio | 6.76 |  |
| Dividend Ratio | 0.00% |  |


**Size Score**: 

#### Market Cap Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 23.29M |  |

#### Revenue Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue | 38.55M |  |


**Multi Score**: C

#### Profit Score: E

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | -139.87% | E |
| Profit Margin | -22.39% | E |
| Gross Margin | 41.01% | B |

#### Growth Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 51.54% | A |
| Net Profit YoY | -570.38% | E |
| Total Assets YoY | -17.13% | E |
| Net Assets YoY | -60.90% | E |

#### Cash Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| Cash Flow Margin | -446.53% | E |
| OCF YoY | 51.54% | A |

#### Operating Score: A

| Indicator | Value | Rating |
|-----------|-------|--------|
| Turnover | 1.46 | A |

#### Debt Score: E

| Indicator | Value | Rating |
|-----------|-------|--------|
| Gearing Ratio | 85.54% | E |


```chart-data:radar
{
  "title": "Longbridge Financial Score - Zhibao Technology Inc.",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Profit",
      "grade": "E",
      "indicators": [
        {
          "name": "ROE",
          "value": "-139.87%",
          "rating": "E"
        },
        {
          "name": "Profit Margin",
          "value": "-22.39%",
          "rating": "E"
        },
        {
          "name": "Gross Margin",
          "value": "41.01%",
          "rating": "B"
        }
      ]
    },
    {
      "name": "Growth",
      "grade": "C",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "51.54%",
          "rating": "A"
        },
        {
          "name": "Net Profit YoY",
          "value": "-570.38%",
          "rating": "E"
        },
        {
          "name": "Total Assets YoY",
          "value": "-17.13%",
          "rating": "E"
        },
        {
          "name": "Net Assets YoY",
          "value": "-60.90%",
          "rating": "E"
        }
      ]
    },
    {
      "name": "Cash",
      "grade": "C",
      "indicators": [
        {
          "name": "Cash Flow Margin",
          "value": "-446.53%",
          "rating": "E"
        },
        {
          "name": "OCF YoY",
          "value": "51.54%",
          "rating": "A"
        }
      ]
    },
    {
      "name": "Operating",
      "grade": "A",
      "indicators": [
        {
          "name": "Turnover",
          "value": "1.46",
          "rating": "A"
        }
      ]
    },
    {
      "name": "Security",
      "grade": "E",
      "indicators": [
        {
          "name": "Gearing Ratio",
          "value": "85.54%",
          "rating": "E"
        }
      ]
    }
  ]
}
```

### Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
|------|------|--------|--------|-----------|----------|------|--------|
| 01 | Yuanbao (US.YB) | A | A | A | B | B | A |
| 02 | QDM International Inc. (US.QDMI) | A | A | A | B | B | A |
| 03 | Health In Tech (US.HIT) | B | A | A | B | A | A |
| 04 | QDM INTL INC (US.QDMID) | A | A | A | A | B | A |
| 05 | Hagerty (US.HGTY) | B | B | B | D | A | B |

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | -2.70 | 27/32 | 12.53 | 11.13 | 10.64 |
| PB | 6.76 | 22/32 | 4.37 | 3.31 | 3.17 |
| PS (TTM) | 0.60 | 9/32 | 1.03 | 0.95 | 0.86 |
| Dividend Yield | 0.00% | - | - | - | - |

## Institutional View

### Analyst Rating Distribution

> As of 2025-07-24T04:00:00.000Z

Total Analysts: **1**

| Rating | Count | Percentage |
|--------|-------|-----------|
| Buy | 0 | 0% |
| Overweight | 0 | 0% |
| Hold | 0 | 0% |
| Underweight | 0 | 0% |
| Sell | 0 | 0% |

### Target Price Forecast

| Metric | Price |
|--------|-------|
| Current Price | 0.70 |
| Highest Target | 7.04 |
| Lowest Target | 7.04 |

## References

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

---

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