Is Zhibao Technology Inc. (ZBAO) Halal?
Shariah Screening — 5 Standards
Based on financial data from June 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Insurance Brokers | ✗ NOT HALAL | |||
| DJIM | Excluded — Insurance Brokers | ✗ NOT HALAL | |||
| MSCI | Excluded — Insurance Brokers | ✗ NOT HALAL | |||
| S&P | Excluded — Insurance Brokers | ✗ NOT HALAL | |||
| FTSE | Excluded — Insurance Brokers | ✗ NOT HALAL | |||
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
| |
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?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), Zhibao Technology Inc. is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is Zhibao Technology Inc.'s debt ratio?
Zhibao Technology Inc.'s debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are Zhibao Technology Inc.'s key financial metrics?
Zhibao Technology Inc. has a market capitalization of $26M, 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?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
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.