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Zhibao TechnologyZBAO -0.98%8 Days Payable is 148.05 as of Dec. 2025, which is 10% above its 10-year median of 134.55. GuruFocus rates ZBAO with a GF Score™ of 8/100. The stock has 5 warning signs investors should review. Among 53 Insurance companies, Zhibao Technology ranks better than 83.02% on this metric.
The historical rank and industry rank for Zhibao Technology's Days Payable or its related term are showing as below:
ZBAO'
s Days Payable Range Over the Past 10 Years
Min: 93.1 Med: 134.55 Max: 239.6
Current: 239.6
During the past 5 years, Zhibao Technology's highest Days Payable was 239.60. The lowest was 93.10. And the median was 134.55.
ZBAO's Days Payable is ranked better than 83.02% of 53
companies
in the Insurance industry
Industry Median: 52.56
vs ZBAO: 239.60
Zhibao Technology's Days Payable
declined
from Dec. 2024 (225.95) to Dec. 2025 (148.05).
It may suggest that Zhibao Technologyaccelerated paying its suppliers.
The historical data trend for Zhibao Technology's Days Payable 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.
ZBAO vs GOCOQ, EZRA, HUIZ: Days Payable Comparison
For the Insurance Brokers subindustry, Zhibao Technology's Days Payable, along with its competitors' market caps and Days Payable 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 Days Payable vs Insurance Industry
For the Insurance industry and Financial Services sector, Zhibao Technology's Days Payable distribution charts can be found below:
* The bar in red indicates where Zhibao Technology's Days Payable falls into.
Days Payable indicates the number of days that the account payable relative to cost of goods sold the company has. An increase of Days Payable may suggest that the company delays paying its suppliers.
Zhibao Technology's Days Payable for the fiscal year that ended in Jun. 2025 is calculated as
* 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 Days Payable of 148.05 as of Dec. 2025. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Zhibao Technology and its competitors. This is 10% above median its historical median of 134.55. Over the past decade, Zhibao Technology's Days Payable has ranged from 93.10 to 239.60. According to the industry distribution chart, Zhibao Technology ranks #9 out of 53 companies in the Insurance industry, placing it in the top 17%.
Is Zhibao Technology's Days Payable too high?
Zhibao Technology's current Days Payable of 148.05 is 10% above median its 10-year median of 134.55. Over the past 10 years, this metric has ranged from a low of 93.10 to a high of 239.60. The Insurance industry median Days Payable is 52.56. Zhibao Technology's value of 148.05 is 181.7% above this industry median. Based on the distribution chart, Zhibao Technology ranks #9 out of 53 companies in the Insurance industry, which is in the top quartile — a strong position 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 Days Payable compare to GOCOQ and EZRA?
According to the Insurance industry distribution chart, Zhibao Technology ranks #9 out of 53 companies for Days Payable. This places Zhibao Technology in the top 17% of its industry — outperforming the majority of peers. The industry median Days Payable is 52.56. Zhibao Technology's value of 148.05 is 181.7% above this benchmark. Historically, Zhibao Technology's own Days Payable has ranged from 93.10 to 239.60 over the past decade. While the company's 10-year median is 134.55 vs. the industry median of 52.56, Zhibao Technology has consistently been above 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 Days Payable for an Insurance company?
The median Days Payable among Insurance companies is 52.56, based on 53 companies in the industry. Companies in the top quartile (top 25%) have a Days Payable significantly above this median, while those in the bottom quartile fall well below. However, Days Payable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Zhibao Technology's current Days Payable of 148.05 is 181.7% above 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 Days Payable mean?
A high Days Payable can signal that a stock is expensive relative to its fundamentals. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Zhibao Technology and its competitors. For the Insurance industry, the median Days Payable is 52.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Zhibao Technology's current Days Payable is 148.05, which is 10% above median its own 10-year median of 134.55. 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 Days Payable of 148.05. The current Days Payable is 148.05, which is 10% above median its 10-year median of 134.55 and 181.7% above the Insurance industry median of 52.56. 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 Days Payable calculated?
Days Payable is calculated from a company's financial statements. For Zhibao Technology (ZBAO), the current Days Payable is 148.05 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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