Stock fact sheet · data as of
Zhibao Technology Inc. Class A Ordinary Shares (ZBAO): fair value, margin of safety and Wheel Score
Ticker symbol ZBAO · Financial Services · Insurance - Brokers · China · Class A ordinary shares · Speculative
ZBAO is Zhibao Technology Inc. Class A Ordinary Shares's Class A ordinary shares. The classes own the same business, share the same earnings report and trade within a few cents of each other; what differs is mainly the vote each share carries - the company's annual report sets out the voting rights.
Is ZBAO undervalued?
Zhibao Technology Inc. Class A Ordinary Shares (ZBAO) closed at 0.2400 on 5 Nov 2026. None of the nine GLS valuation models produced a positive value for the stock - the company lost money over the last twelve months, EPS -15.28, it pays no dividend and its debts exceed what its assets would fetch - so there is no GLS average fair value and no margin of safety to report. The quality, option and event numbers below still apply; the Quote page's Wall Street View shows what analysts expect instead.
The nightly engine files ZBAO under Speculative - it is losing money or its Piotroski health score is 3 or lower - which caps its Wheel Score at 45 and keeps it out of the Sunday Scan.
Nine valuation models for ZBAO
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | - | - | Present value of the projected free cash flows, discounted at the cost of capital; no value tonight |
| Graham Number | - | - | The most a defensive investor pays for the earnings and book value per share; no value tonight |
| Graham Growth | - | - | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields; no value tonight |
| Lynch | - | - | EPS × the earnings growth rate (PEG of 1), growth capped at 25%; no value tonight |
| GLS Growth | - | - | EPS compounded ten years at the blended growth rate, discounted back at 15% a year; no value tonight |
| 10 Cap | - | - | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10%; no value tonight |
| Payback Time | - | - | Eight years of compounded free cash flow: the price at which the business pays for itself; no value tonight |
| DDM | - | - | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend; no value tonight |
| EPV | - | - | Earnings power value: current EPS capitalised at 9% with no growth; no value tonight |
| Zombie (liquidation) | -0.0261 | -111% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is weak: ZBAO passes 2 of the nine Piotroski tests. Our scans drop the stock at the health filter; a low score is often the reason a stock looks cheap on the valuation models. The GLS Moat score is low at 3.9 out of 10: returns on capital, margins or the balance sheet have not shown a lasting edge yet - often a young company, a thin-margin business or one that has only recently turned profitable.
Returns on capital are thin or negative - ROIC -118.9%, ROE -251.4%, ROA -36.4% - with debt at 1.11 times equity and negative free cash flow.
Zhibao Technology Inc. Class A Ordinary Shares pays no dividend, so the DDM model does not apply and a covered-call holder earns only the premium and any price gain.
Institutional ownership scores 1/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 2 / 9 | ROIC | -118.9% |
|---|---|---|---|
| GLS Moat | 3.9 / 10 | ROE | -251.4% |
| Debt / equity | 1.11 | ROA | -36.4% |
| Free-cash-flow yield | -784.2% | Payout ratio | 0% |
| Institutions | 1 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 12: No options
ZBAO has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business. It fails the first Wheel Trade Filter (options that actually trade), so the score stays under 70 and is shown as "No options" (12 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 642k shares a day on a market cap of $2M, with a beta of 1.55 - a high beta, so the stock tends to move more than the market and a strike can be gapped through; the Stability part of the Wheel Score rates that weak.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Fails | speculative (a loss, or a weak Piotroski score) |
| 3 | Below fair value | Fails | trades right at our fair value |
| 4 | Financially healthy | Fails | Piotroski 2/9 (under 6) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Fails | market cap $2M (under $1.0B) |
| 9 | Not a penny stock | Fails | price 0.24 (under $5) |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Weak | 0% below fair value | |
| Premium | Weak | no option data | |
| Moat | Fair | moat 3.9/10 | |
| Health | Weak | Piotroski 2/9 | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Weak | beta 1.55, $2M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for ZBAO in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Insurance - Brokers
The 12 companies below are the closest to Zhibao Technology Inc. Class A Ordinary Shares by market cap within the Insurance - Brokers industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| EZRA Reliance Global Group, Inc. | 2.40 | 17.66 | +86% | 27No options | $1M |
| HUIZ Huize Holding Limited | 2.31 | 242.83 | +99% | 29No options | $993K |
| MAAL The Marketing Alliance, Inc. | 1.58 | 5.14 | +69% | 35No options | $11M |
| EHTH eHealth, Inc. | 0.6347 | 12.35 | +95% | 25Weak | $20M |
| AIFU AIFU Inc. | 9.25 | 5.91 | -56% | 16Weak | $55M |
| SLQT SelectQuote, Inc. | 0.4914 | 8.45 | +94% | 31Weak | $88M |
| QDMI QDM International Inc. | 10.30 | 38.45 | +73% | 33No options | $89M |
| XHG XChange TEC.INC | 3.32 | - | - | 13No options | $171M |
| WDH Waterdrop Inc. | 1.01 | 45.70 | +98% | 33No options | $365M |
| TWFG TWFG, Inc. Common Stock | 29.58 | 44.50 | +34% | 33No options | $381M |
| GSHD Goosehead Insurance, Inc | 56.35 | 64.68 | +13% | 37Weak | $2.0B |
| LIFE Ethos Technologies Inc. | 37.13 | 20.58 | -80% | 30Weak | $2.4B |
⚖ Compare ZBAO with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about ZBAO
What kind of share is ZBAO?
ZBAO is Zhibao Technology Inc. Class A Ordinary Shares's Class A ordinary shares. The classes own the same business, share the same earnings report and trade within a few cents of each other; what differs is mainly the vote each share carries - the company's annual report sets out the voting rights.
Is ZBAO undervalued right now?
The GLS models could not value ZBAO (the company lost money over the last twelve months, EPS -15.28, it pays no dividend and its debts exceed what its assets would fetch), so there is no fair value or margin of safety to compare the price of 0.2400 against.
What is the Wheel Score of ZBAO and what does it mean?
ZBAO has no listed options in our nightly snapshot, so it cannot be wheeled; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for ZBAO?
None of the nine GLS models produced a positive value for ZBAO (the company lost money over the last twelve months, EPS -15.28, it pays no dividend and its debts exceed what its assets would fetch), so there is no GLS fair value tonight.
When does Zhibao Technology Inc. Class A Ordinary Shares report earnings next?
No upcoming earnings date is recorded for ZBAO in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does ZBAO have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on ZBAO, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.