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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#4196
Positioning
Market Dominance
Finance, Insurance, And Real Estate
Insurance
$0
Botao Ma
We are a leading and high growth InsurTech company primarily engaging in providing digital insurance brokerage services through Zhibao China Group in China. 2B2C (“to-business-to-customer”) digital embedded insurance is our innovative business model, which Zhibao China Group pioneered in China. Our principal executive offices are located at Floor 3, Building 6, Wuxing Road, Lane 727, Pudong New Area, Shanghai, China, 201204. Our registered office in the Cayman Islands is located at the office of Sertus Incorporations (Cayman) Limited, Sertus Chambers, Governors Square, Suite # 5-204, 23 Lime Tree Bay Avenue, P.O. Box 2547, Grand Cayman, KY1-1104, Cayman Islands, or such other place in the Cayman Islands as the directors may, from time to time decide. Our agent for service of process in the United States is Puglisi & Associates, 850 Library Avenue, Suite 204, Newark, DE.
Headcount
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| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$SII SPROTT INC. | 75 | 91 | 87 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PUK PRUDENTIAL PLC | 73 | 88 | 97 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NMR NOMURA HOLDINGS INC | 72 | 81 | 92 | 87 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PSLV Sprott Physical Silver Trust | 69 | 82 | 80 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UFCS UNITED FIRE GROUP INC | 68 | 81 | 93 | 76 | 5.0x | 3.5x | 13.2% | 4.1% | 99.9% | 14.7% | 11.1% | 9.2% | 2.1% | 16.0x | $775M | VS | |
$SLF SUN LIFE FINANCIAL INC | 68 | 83 | 95 | 63 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$CBOE Cboe Global Markets, Inc. | 68 | 75 | 63 | 77 | 21.3x | 15.7x | 24.0% | 13.7% | 41.7% | 32.4% | 26.4% | 8.2% | 1.1% | 30.0x | $25.7B | VS | |
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V. | 67 | 69 | 77 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PHYS Sprott Physical Gold Trust | 67 | 64 | 82 | 91 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GLDM World Gold Trust | 66 | 54 | 85 | 92 | 11.3x | 11.3x | - | 20.9% | 100.0% | 97.1% | 554.8% | -19.0% | 0.0% | - | $32.0B | VS | |
$ZBAO Zhibao Technology Inc. | 34 | 43 | 25 | 9 | - | - | -1004.6% | -145.3% | 41.0% | -19.3% | -22.4% | - | - | 103.0x | $0 | ||
| SECTOR BENCH | - | - | - | - | - | 11.9x | 7.8x | 9.0% | 1.3% | 77.7% | 18.1% | 21.9% | 10.7% | 2.0% | 0.5x | - | REF |
Zhibao Technology Inc. (ZBAO) receives a "Avoid" rating with a composite score of 34.1/100. It ranks #4196 out of 7,333 stocks in our coverage universe and carries a 1-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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HQ Base
SHANGHAI,
Lagging peers — losers tend to keep underperforming
Expensive relative to fundamentals — limited margin of safety
Average quality profile
High volatility — wider range of outcomes increases timing risk
Conservative, efficient capex — capital discipline signals management quality
Below-average composite — caution warranted
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Relative valuation derived from Finance, Insurance, And Real Estate sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
No analyst ratings for ZBAO.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 43 | 74 | -31DRAG |
| MOMENTUM | 9 | 4 | +5NEUTRAL |
| VALUATION | 25 | 9 | +16ALPHA |
| INVESTMENT | 61 | 98 | -37DRAG |
| STABILITY | 19 | 10 | +9ALPHA |
| SHORT INT | 49 | 53 | -4NEUTRAL |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROIC -279.0% vs WACC 11.4% (spread -290.4%)
GM 41% vs sector 78%, OM -19% vs sector 18%
Capital turnover 18.27x, R&D intensity 3.9%
Rev growth N/A, 2yr history
Interest coverage -7.5x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate Zhibao Technology Inc. (ZBAO) as Avoid with a composite score of 34.1/100 at a current price of $0.70. The stock falls in the bottom quintile, and the multi-factor weakness suggests a high probability of continued underperformance.
Zhibao Technology Inc. holds a top-quartile position (#0 of 50) within the Finance, Insurance, And Real Estate sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 34.1/100 places it at rank #4196 in our full universe.
No Moat
Very High
Poor
Fair Value
Gross margins of 41% signal strong pricing power.
Stable competitive position in a defensive sector.
Leverage of 103% D/E amplifies downside risk.
Weak momentum suggests persistent institutional selling pressure.
Vulnerability to macroeconomic shocks and interest rate volatility.
Zhibao Technology Inc. represents a avoid based on multi-factor quantitative performance.
Our quantitative model flags Zhibao Technology Inc. with an Avoid rating, assigning a composite score of 34.1/100 and 1 out of 5 stars. Ranked #4196 of 7,333 stocks, ZBAO falls in the bottom tier across key factors. Historically, stocks with this profile have faced elevated risk of underperformance and capital loss.
ZBAO's quality score of 43/100 is below average, suggesting challenges with profitability or capital efficiency. The company reports a return on equity of -1004.6% (sector avg: 9.0%), gross margins of 41.0% (sector avg: 77.7%), net margins of -22.4% (sector avg: 21.9%). Investors should examine whether management is actively addressing these weaknesses or if they reflect structural industry headwinds.
ZBAO registers a value score of just 25/100, suggesting the stock trades at a significant premium to its fundamental metrics. Key valuation metrics include a P/B ratio of 6.76x. High-premium valuations like this require strong future execution to avoid multiple compression, and downside risk is elevated if growth disappoints.
ZBAO shows a solid investment score of 61/100, reflecting measured but productive capital allocation. Key growth metrics include a return on assets of -145.3% (sector: 1.3%). This suggests the company is investing at an appropriate level to sustain growth without overextending its balance sheet.
Zhibao Technology Inc. is experiencing notably weak momentum with a score of just 9/100. The stock has underperformed its peers and is trending below major moving averages. Revenue growth data is not currently available, while a beta of 0.96 reflects its sensitivity to broader market moves. While deep momentum weakness can occasionally present value opportunities, it often reflects deteriorating fundamentals or structural headwinds that may persist.
Zhibao Technology Inc. registers a low stability score of 19/100, indicating high volatility and potentially stressed financial conditions. Key stability metrics include a beta of 0.96 and a debt-to-equity ratio of 103.00x (sector avg: 0.5x). Stocks at this level carry elevated capital loss risk and may be unsuitable for conservative portfolios without careful risk management.
The short interest score of 49/100 for ZBAO suggests somewhat elevated bearish positioning by institutional traders. Specific risk factors include elevated leverage (D/E: 103.00x), micro-cap liquidity risk. With a $0 market cap (micro-cap), Zhibao Technology Inc. may experience above-average volatility. Investors should consider whether the short thesis has merit or if it creates a potential short-squeeze opportunity.
Zhibao Technology Inc. is a micro-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #4196 of 7,333 overall (43rd percentile). Key comparisons include ROE of -1004.6% trailing the 9.0% sector median and operating margins of -19.3% below the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.
While ZBAO currently exhibits a AVOID profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
View Top Finance, Insurance, And Real Estate Alpha →Quant Factor Profile
Upgrade catalyst
Improvement in Momentum (9) would have the largest impact on the composite score.
ROE 11262% BELOW SECTOR MEDIAN
Gross Margin 47% BELOW SECTOR MEDIAN
Op. Margin 207% BELOW SECTOR MEDIAN
Above 50MA
37.18%
Net New Highs
+51081
Zhibao Technology Inc. (NASDAQ: ZBAO) has acquired a 51% equity interest in Zhonglian Jinan Insurance Brokers Co., Ltd. for approximately $3.5 million to significantly expand its national presence and strengthen its insurance brokerage capabilities in China. This strategic acquisition is expected to more than double Zhibao's branch network, integrate product portfolios, and provide immediate licensing and regulatory advantages for accelerated growth and market leadership in the InsurTech sector. The deal positions Zhibao to capitalize on Zhonglian Jinan's existing online platform and extensive network to enhance customer growth and service offerings.

Zhibao Technology Inc. (NASDAQ:ZBAO), a Chinese InsurTech firm, has introduced ten new AI agents to enhance its insurance operations, covering areas like product management and underwriting. The company, which has seen a significant stock price drop, aims to expand its data-driven capabilities with these AI tools and also recently regained Nasdaq compliance and started a new joint venture for medical insurance services.

Zhibao Technology Inc. (NASDAQ:ZBAO), an InsurTech company, has released ten new AI agents to enhance its operational capabilities in insurance. These AI agents support areas like product management, insurance application development, and medical insurance underwriting. The company, which recently regained Nasdaq compliance and started a new joint venture for medical insurance services, aims to continue expanding AI integration across its service segments.

Zhibao Technology Inc. has regained compliance with Nasdaq's listing requirements after filing its delayed annual report for the fiscal year ended June 30, 2025. The company resolved the non-compliance issue by submitting the required filing on January 9, 2026, allowing it to maintain its position on the Nasdaq exchange. This follows a previous announcement regarding a delay in filing its audited financial results, and the company has also commenced operations for a new joint venture focusing on mid- and high-end medical insurance services in China.

Zhibao Technology (NASDAQ: ZBAO) announced it has regained compliance with Nasdaq Listing Rule 5250(c)(1) after filing its Form 20-F for the fiscal year ended June 30, 2025, on January 9, 2026. Nasdaq confirmed compliance on January 12, 2026, resolving a previous noncompliance notice issued on November 19, 2025, due to the delayed annual report. This filing restores the company's standing with Nasdaq, closing the compliance matter.