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Zhibao TechnologyZBAO -0.98%8 Cash Ratio is 0.12 as of Dec. 2025, which is 140% above its 10-year median of 0.05. GuruFocus rates ZBAO with a GF Score™ of 8/100. The stock has 5 warning signs investors should review. Among 64 Insurance companies, Zhibao Technology ranks worse than 79.69% on this metric.
Zhibao Technology has a Cash Ratio of 0.12. It indicates that there are more current liabilities than Cash, Cash Equivalents, Marketable Securities, and the company does not have sufficient cash on hand to pay off its short-term debt.
The historical rank and industry rank for Zhibao Technology's Cash Ratio or its related term are showing as below:
ZBAO'
s Cash Ratio Range Over the Past 10 Years
Min: 0.02 Med: 0.05 Max: 0.12
Current: 0.12
During the past 5 years, Zhibao Technology's highest Cash Ratio was 0.12. The lowest was 0.02. And the median was 0.05.
ZBAO's Cash Ratio is ranked worse than 79.69% of 64
companies
in the Insurance industry
Industry Median: 0.745
vs ZBAO: 0.12
Zhibao Technology (NAS:ZBAO) Cash Ratio Explanation
The cash ratio is more conservative than other liquidity ratios, such as Quick Ratio and Current Ratio, because it only considers a company's most liquid resources. The numerator of cash ratio only considers Cash, Cash Equivalents and marketable securities. Other current assets, such as accounts receivable and inventories, are not included. The rationale is that these assets may require time to be transformed into cash, and the amount of money received is also uncertain.
The cash ratio shows a company’s ability to pay all current liabilities immediately without selling or liquidating other assets. Generally speaking, a higher cash ratio suggests the company has a stronger ability to cover its short-term debt. However, a high cash ratio could also indicate inefficient management: the company is inefficient in making full utilization of cash to invest protential profitable project. It may also suggest that the company is not confident about future profitability.
In general, the higher the cash ratio, the better the company's liquidity position.
Zhibao Technology Cash Ratio Related Terms
Zhibao Technology Cash Ratio Historical Data
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The historical data trend for Zhibao Technology's Cash Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Insurance Brokers subindustry, Zhibao Technology's Cash Ratio, along with its competitors' market caps and Cash Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Zhibao Technology Cash Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Zhibao Technology's Cash Ratio distribution charts can be found below:
* The bar in red indicates where Zhibao Technology's Cash Ratio falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Zhibao Technology (ZBAO) has a Cash Ratio of 0.12 as of Dec. 2025. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on Zhibao Technology and its competitors. This is 140% above median its historical median of 0.05. Over the past decade, Zhibao Technology's Cash Ratio has ranged from 0.02 to 0.12. According to the industry distribution chart, Zhibao Technology ranks #51 out of 64 companies in the Insurance industry, placing it in the top 79.7%.
Is Zhibao Technology's Cash Ratio too high?
Zhibao Technology's current Cash Ratio of 0.12 is 140% above median its 10-year median of 0.05. Over the past 10 years, this metric has ranged from a low of 0.02 to a high of 0.12. The Insurance industry median Cash Ratio is 0.75. Zhibao Technology's value of 0.12 is 83.9% below this industry median. Based on the distribution chart, Zhibao Technology ranks #51 out of 64 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Zhibao Technology has a GF Score™ of 8/100, reflecting its overall financial health beyond just this single metric.
How does Zhibao Technology's Cash Ratio compare to GOCOQ and EZRA?
According to the Insurance industry distribution chart, Zhibao Technology ranks #51 out of 64 companies for Cash Ratio. This places Zhibao Technology in the lower half of its industry. The industry median Cash Ratio is 0.75. Zhibao Technology's value of 0.12 is 83.9% below this benchmark. Historically, Zhibao Technology's own Cash Ratio has ranged from 0.02 to 0.12 over the past decade. While the company's 10-year median is 0.05 vs. the industry median of 0.75, Zhibao Technology has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash Ratio for an Insurance company?
The median Cash Ratio among Insurance companies is 0.75, based on 64 companies in the industry. Companies in the top quartile (top 25%) have a Cash Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cash Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Zhibao Technology's current Cash Ratio of 0.12 is 83.9% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash Ratio mean?
A high Cash Ratio can signal that a stock is expensive relative to its fundamentals. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on Zhibao Technology and its competitors. For the Insurance industry, the median Cash Ratio is 0.75 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Zhibao Technology's current Cash Ratio is 0.12, which is 140% above median its own 10-year median of 0.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Zhibao Technology stock overvalued right now?
Zhibao Technology (ZBAO) has a current Cash Ratio of 0.12. The current Cash Ratio is 0.12, which is 140% above median its 10-year median of 0.05 and 83.9% below the Insurance industry median of 0.75. Zhibao Technology's overall GF Score™ is 8/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash Ratio calculated?
Cash Ratio is calculated from a company's financial statements. For Zhibao Technology (ZBAO), the current Cash Ratio is 0.12 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Zhibao Technology Inc is an insurance technology company providing digital insurance brokerage services in China. The Company operates a 2B2C digital embedded insurance business model, which it pioneered in China, and provides managing general underwriter (MGU) services to insurance companies, including product design, underwriting, reinsurance, claims, and risk control within specific product or market segments. It offers customized digital insurance solutions for B-side channels, including Internet platforms, enterprises, and government agencies, by embedding insurance products into existing business platforms and providing digital insurance brokerage services to C-end customers.
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