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Zhibao TechnologyZBAO -0.98%8 Debt-to-EBITDA is 4.35 as of Dec. 2025. GuruFocus rates ZBAO with a GF Score™ of 8/100. The stock has 5 warning signs investors should review. Among 317 Insurance companies, Zhibao Technology ranks worse than 315457.1% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Zhibao Technology's Debt-to-EBITDA or its related term are showing as below:
ZBAO'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -1.19 Med: -0.47 Max: 1.77
Current: -0.7
During the past 5 years, the highest Debt-to-EBITDA Ratio of Zhibao Technology was 1.77. The lowest was -1.19. And the median was -0.47.
ZBAO's Debt-to-EBITDA is ranked worse than 100% of 317
companies
in the Insurance industry
Industry Median: 1.25
vs ZBAO: -0.70
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Zhibao Technology Debt-to-EBITDA Related Terms
Zhibao Technology Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Zhibao Technology's Debt-to-EBITDA 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: Debt-to-EBITDA Comparison
For the Insurance Brokers subindustry, Zhibao Technology's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Zhibao Technology's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Zhibao Technology's Debt-to-EBITDA 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is two times the quarterly (Dec. 2025) EBITDA data.
Zhibao Technology (ZBAO) has a Debt-to-EBITDA of 4.35 as of Dec. 2025. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Zhibao Technology. According to the industry distribution chart, Zhibao Technology ranks #999999 out of 317 companies in the Insurance industry.
Is Zhibao Technology's Debt-to-EBITDA too high?
Zhibao Technology's current Debt-to-EBITDA is 4.35. The Insurance industry median Debt-to-EBITDA is 1.25. Zhibao Technology's value of 4.35 is 248% above this industry median. Based on the distribution chart, Zhibao Technology ranks #999999 out of 317 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 Debt-to-EBITDA compare to GOCOQ and EZRA?
According to the Insurance industry distribution chart, Zhibao Technology ranks #999999 out of 317 companies for Debt-to-EBITDA. This places Zhibao Technology in the lower half of its industry. The industry median Debt-to-EBITDA is 1.25. Zhibao Technology's value of 4.35 is 248% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for an Insurance company?
The median Debt-to-EBITDA among Insurance companies is 1.25, based on 317 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Zhibao Technology's current Debt-to-EBITDA of 4.35 is 248% 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 Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Zhibao Technology. For the Insurance industry, the median Debt-to-EBITDA is 1.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Zhibao Technology's current Debt-to-EBITDA is 4.35. 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 Debt-to-EBITDA of 4.35. The current Debt-to-EBITDA is 4.35 and 248% above the Insurance industry median of 1.25. 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 Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Zhibao Technology (ZBAO), the current Debt-to-EBITDA is 4.35 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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