Zhibao Technology Inc. (ZBAO) Financial Ratio Screen
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MSCI new-inclusion financial-ratio snapshot
ZBAO financial screening at a glance
Calculation date: 2026-08-31. Financial period used: June 2025. The ratios are automated proxies inspired by published methodologies; they are not official index determinations.
Independent method comparison
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Business activity evidence
Business exclusion flag
The supplied classification (Insurance Brokers) matches a prohibited-activity category.
Revenue segments: Not yet checked against an SEC annual filing.
Profile description reviewed: Zhibao Technology Inc., through its subsidiaries, provides digital insurance brokerage services in the People's Republic of China. The company also offers managing general underwriter services. In addition, it provides insurance product design and customization, selection of insurance companies, technology system interconnection and delivery, customer AARRR (Acquisition, Activation, Retention, Referral, and Revenue) operation, customer service, compliance management, and data analysis. Further, the company operates a digital insurance brokerage platform that offers a portfolio of 2B2C (to-business-to-customer) insurance tools for building the systems required for various insurance solutions. Additionally, it engages in research and development; offline insurance brokerage consulting; and healthcare services. The company serves the travel, outdoor activity, sports, logistics and supply chain, municipal gas and electricity utilities, and e-commerce industries. Zhibao Technology Inc. was founded in 2015 and is headquartered in Shanghai, China.
Sources to verify: Secondary company profile and classification · Issuer website · SEC issuer filings
A sector label or company description can flag a risk but cannot establish a compliant-revenue percentage. Only sourced segment disclosures may support that calculation.
Published-ratio reproductions (not certifications)
The table shows implemented MSCI and FTSE/Yasaar-style asset-based models plus a provisional S&P-style leverage reconstruction where a complete 36-month denominator exists. These are independent calculations, not official index results or Shariah determinations. See formulas, sources and limitations.
Based on financial data from June 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| MSCI | Excluded — Insurance Brokers | BUSINESS EXCLUSION FLAG* | |||
| FTSE | Excluded — Insurance Brokers | BUSINESS EXCLUSION FLAG* | |||
Financial Highlights
Profitability
| Gross Margin | 41.0% | |
| Operating Margin | -43.9% | |
| Net Margin | -22.4% | |
| Return on Equity (ROE) | -139.9% | |
| Return on Assets (ROA) | -17.6% |
Cash Flow & Balance Sheet
| Operating Cash Flow | -$21M |
| Free Cash Flow | -$21M |
| Total Debt | $28M |
| Debt-to-Equity | 111.5 |
| Current Ratio | 1.0 |
| Total Assets | $171M |
Price & Trading
| Last Close | $0.76 |
| 50-Day MA | $0.88 |
| 200-Day MA | $0.97 |
| Avg Volume | 174K |
|
52-Week Range
$0.64
| |
Financial data provenance and verification
The displayed fields were imported from yfinance on 2026-03-29 for the financial period June 2025. This is a secondary data feed and can differ from amended or newly filed statements.
- Issuer website — use its investor-relations filings to verify the figures.
- SEC EDGAR filing search — primary filing source for US issuers.
- Field mapping, formulas and limitations.
Verification rule: check debt, cash, receivables, revenue and interest income against the latest primary filing before relying on an automated ratio.
About Zhibao Technology Inc. (ZBAO)
Zhibao Technology Inc., through its subsidiaries, provides digital insurance brokerage services in the People's Republic of China. The company also offers managing general underwriter services. In addition, it provides insurance product design and customization, selection of insurance companies, technology system interconnection and delivery, customer AARRR (Acquisition, Activation, Retention, Referral, and Revenue) operation, customer service, compliance management, and data analysis. Further, the company operates a digital insurance brokerage platform that offers a portfolio of 2B2C (to-business-to-customer) insurance tools for building the systems required for various insurance solutions. Additionally, it engages in research and development; offline insurance brokerage consulting; and healthcare services. The company serves the travel, outdoor activity, sports, logistics and supply chain, municipal gas and electricity utilities, and e-commerce industries. Zhibao Technology Inc. was founded in 2015 and is headquartered in Shanghai, China.
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Frequently Asked Questions
Is Zhibao Technology Inc. (ZBAO) halal to invest in?
The current automated result is Financial criteria not met or an activity exclusion was detected. It uses available public financial fields and simplified methodology proxies. It is not a fatwa or an official determination by AAOIFI, DJIM, MSCI, S&P, or FTSE.
What is Zhibao Technology Inc.'s debt ratio?
Zhibao Technology Inc.'s debt ratio is not available in the MSCI new-inclusion reproduction: total debt divided by total assets, against a 30% threshold. See the methodology page for the official source and limitations.
What are Zhibao Technology Inc.'s key financial metrics?
Zhibao Technology Inc. has a market capitalization of USD 26M in its listing currency, and revenue of $277M. The company maintains a gross margin of 41.0% and a net margin of -22.4%. Return on equity stands at -139.9%.
How often is the screening data updated?
Calculation date: 2026-08-31. Financial period: June 2025. These dates are shown separately because regenerating this page does not refresh the underlying data.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.