Zhibao Technology Inc. Class A AI Stock Analysis
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Zhibao Technology Inc. Class A (ZBAO) AI Stock Analysis
Zhibao Technology Inc. Class A
(NASDAQ:ZBAO)
The overall score is held down primarily by weak financial performance, with volatile earnings, shrinking equity, and sustained negative cash flows creating significant fundamental risk. Technicals add further pressure as the stock trades below major moving averages with negative momentum, though oversold indicators slightly temper the downside view. Valuation contributes modestly but is constrained by loss-making operations and lack of dividends, limiting the investment case despite the low share price.
Zhibao Technology Inc. Class A (ZBAO) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $2.51M
- Dividend Yield
- ―
- Average Volume (3M)
- 4.33M
- Price to Earnings (P/E)
- -0.0
- Beta (1Y)
- 2.13
- Revenue Growth
- 18.56%
- EPS Growth
- 95.57%
- Country
- US
- Employees
- 65
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Insurance - Brokers
Zhibao Technology Inc. Class A Business Overview & Revenue Model
Company Description
Zhibao Technology Inc., operating through its various affiliated entities, offers online insurance brokerage services across the Chinese market. Beyond this primary activity, the company also furnishes managing general underwriter (MGU) capabilities,...
How the Company Makes Money
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Zhibao Technology Inc. Class A Financial Statement Overview
Summary
Zhibao’s financial profile is weak overall: strong long-term revenue growth is overshadowed by frequent net losses, a severe 2025 downturn, shrinking equity from $64M to $3.4M, and persistently negative operating and free cash flows that raise liquidity and solvency concerns despite some past profit and margin stability.
Income Statement
35NegativeBalance Sheet
45NeutralCash Flow
25Negative| Breakdown | TTM | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 | Jun 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 499.37M | 276.94M | 183.66M | 142.06M | 108.20M | 45.60M |
| Gross Profit | 155.01M | 113.57M | 74.76M | 58.60M | 47.16M | 24.22M |
| EBITDA | -55.03M | -58.10M | 22.87M | -38.30M | 16.70M | -32.47M |
| Net Income | -67.46M | -62.02M | 13.25M | -43.09M | 14.26M | -37.03M |
Balance Sheet | ||||||
| Total Assets | 40.48M | 170.59M | 28.73M | 128.00M | 95.87M | 69.40M |
| Cash, Cash Equivalents and Short-Term Investments | 3.93M | 10.27M | 330.47K | 9.87M | 2.59M | 1.83M |
| Total Debt | 5.79M | 27.49M | 4.17M | 31.54M | 29.60M | 38.64M |
| Total Liabilities | 33.43M | 145.92M | 19.93M | 96.55M | 77.19M | 71.71M |
| Stockholders Equity | 2.84M | 24.67M | 8.81M | 31.45M | 18.68M | -2.31M |
Cash Flow | ||||||
| Free Cash Flow | -160.04M | -20.53M | -4.40M | -3.04M | -1.22M | -17.67M |
| Operating Cash Flow | -160.03M | -20.53M | -3.81M | -1.17M | -1.03M | -17.27M |
| Investing Cash Flow | 4.10M | -14.87M | -81.96K | 14.55M | -3.31M | -6.07M |
| Financing Cash Flow | 18.72M | 9.80M | 4.25M | -4.74M | 6.90M | 20.10M |
Zhibao Technology Inc. Class A Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ZBAO, the sentiment is Negative. The current price of 0.28 is below the 20-day moving average (MA) of 0.31, below the 50-day MA of 2.95, and below the 200-day MA of 23.78, indicating a bearish trend. The MACD of -0.78 indicates Negative momentum. The RSI at 21.88 is Positive, neither overbought nor oversold. The STOCH value of 17.50 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for ZBAO.
Zhibao Technology Inc. Class A Risk Analysis
Zhibao Technology Inc. Class A disclosed 71 risk factors in its most recent earnings report. Zhibao Technology Inc. Class A reported the most risks in the "Finance & Corporate" category.
Latest Risks Added
0 New RisksZhibao Technology Inc. Class A Peers Comparison
Overall Rating
LGCL47Neutral
BOLD46Neutral- ZBAO44.25Neutral
FBLG41Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| LGCL | 47Neutral | $1.98M | -0.02 | 1.82% | ― | 9.06% | -100.87% |
| BOLD | 46Neutral | $58.08M | -1.01 | -70.98% | ― | ― | 10.69% |
| ZBAO | 44Neutral | $1.88M | -0.03 | -424.23% | ― | 18.56% | 95.57% |
| FBLG | 41Neutral | $6.44M | -0.15 | -536.78% | ― | ― | 22.10% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| ZBAO | Zhibao Technology Inc. Class A | 0.28 | -48.72 | -99.43% | |
| INHD | Inno Holdings, Inc. | 2.65 | -336.76 | -99.22% | |
| FBLG | FibroBiologics, Inc. | 0.93 | -5.77 | -86.16% | |
| LGCL | Lucas GC Limited | 1.54 | -285.95 | -99.46% | |
| BOLD | Boundless Bio Inc. | 2.50 | 1.32 | 111.86% |
Zhibao Technology Inc. Class A Corporate Events
Zhibao Technology Strikes Bitcoin-Funded PIPE Deal and Overhauls Board
On July 31, 2026, Zhibao Technology Inc. entered into a definitive Securities Purchase Agreement with non-U.S. investors for a private investment in public equity (PIPE) financing, under which it will issue 442,000,000 Class A ordinary shares and acc...
Zhibao Technology Adopts Cayman Home-Country Governance Exemptions on Nasdaq
On July 23, 2026, Zhibao Technology Inc. reported that it has elected to follow certain Cayman Islands home country corporate governance practices instead of specified Nasdaq rules, including those requiring a majority-independent board, regular meet...
Zhibao Technology Inc. Signs Non-Binding Term Sheet for Bitcoin-Funded PIPE Financing
Zhibao Technology Inc., a leading Chinese InsurTech player focused on digital embedded insurance and brokerage services, continues to scale its 2B2C platform-based model across multiple industries, from travel and sports to logistics and e-commerce....
Zhibao Technology Overhauls Board and Finance Leadership After July 1 Director Resignations
On July 1, 2026, Zhibao Technology Inc. saw the resignation of director and Chief Financial Officer Yuanwen Xia and three independent directors, with the board noting that none of the departures resulted from disagreements over the company’s operatio...
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Aug 04, 2026