ZZHGY (ZhongAn Online P&C Insurance Co) Debt-to-EBITDA : (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
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Director of Data and Quant Analytics at GuruFocus
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ZZHGY ZhongAn Online P&C Insurance Co Ltd ZZHGY
68 GF Score
Price $1.14
GF Value $2.16
Valuation Significantly Undervalued
! 2 Warning Signs
View Full Analysis

What is ZhongAn Online P&C Insurance Co Debt-to-EBITDA?

Debt-to-EBITDA measures a company's ability to pay off its debt.

ZhongAn Online P&C Insurance Co's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was $1,075 Mil. ZhongAn Online P&C Insurance Co's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was $31 Mil. ZhongAn Online P&C Insurance Co's annualized EBITDA for the quarter that ended in Jun. 2026 was $666 Mil. ZhongAn Online P&C Insurance Co's annualized Debt-to-EBITDA for the quarter that ended in Jun. 2026 was 1.66.

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 ZhongAn Online P&C Insurance Co's Debt-to-EBITDA or its related term are showing as below:

ZZHGY' s Debt-to-EBITDA Range Over the Past 10 Years
Min: -8.04   Med: 1.39   Max: 9.77
Current: 0.07

During the past 12 years, the highest Debt-to-EBITDA Ratio of ZhongAn Online P&C Insurance Co was 9.77. The lowest was -8.04. And the median was 1.39.

ZZHGY's Debt-to-EBITDA is ranked better than
90.06% of 312 companies
in the Insurance industry
Industry Median: 1.23 vs ZZHGY: 0.07

ZhongAn Online P&C Insurance Co  (OTCPK:ZZHGY) Debt-to-EBITDA Explanation

In the calculation of Debt-to-EBITDA, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by EBITDA. In some calculations, Total Liabilities is used to for calculation.

Be Aware

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.

ZhongAn Online P&C Insurance Co Debt-to-EBITDA Related Terms

ZhongAn Online P&C Insurance Co Debt-to-EBITDA Historical Data

* Premium members only.

The historical data trend for ZhongAn Online P&C Insurance Co'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.

ZhongAn Online P&C Insurance Co Debt-to-EBITDA Chart

ZhongAn Online P&C Insurance Co Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-EBITDA
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ZhongAn Online P&C Insurance Co Semi-Annual Data
Jun17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25 Jun26
Debt-to-EBITDA Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only - - - - -

ZZHGY vs CB, PGR, TRV: Debt-to-EBITDA Comparison

For the Insurance - Property & Casualty subindustry, ZhongAn Online P&C Insurance Co'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.

ZhongAn Online P&C Insurance Co Debt-to-EBITDA vs Insurance Industry

For the Insurance industry and Financial Services sector, ZhongAn Online P&C Insurance Co's Debt-to-EBITDA distribution charts can be found below:

* The bar in red indicates where ZhongAn Online P&C Insurance Co's Debt-to-EBITDA falls into.


ZZHGY
68GF Score
ZhongAn Online P&C Insurance Co Ltd ZZHGY
Debt-to-EBITDA is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

ZhongAn Online P&C Insurance Co Debt-to-EBITDA Calculation

Debt-to-EBITDA measures a company's ability to pay off its debt.

ZhongAn Online P&C Insurance Co's Debt-to-EBITDA for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(848.60556799725 + 374.58726558531) / 305.30567670051
=4.01

ZhongAn Online P&C Insurance Co's annualized Debt-to-EBITDA for the quarter that ended in Jun. 2026 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(1074.5465263654 + 31.342883249329) / 665.85168461676
=1.66

* 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 (Jun. 2026) EBITDA data.

Is ZhongAn Online P&C Insurance Co (ZZHGY) Overvalued in 2026?

Based on GuruFocus' analysis, ZhongAn Online P&C Insurance Co stock appears to be undervalued. The current stock price of $1.14 is trading 47.2% below its estimated GF Value™ of $2.16. GuruFocus considers ZhongAn Online P&C Insurance Co to be Significantly Undervalued.

Key valuation signals for ZZHGY:

  • Debt-to-EBITDA:
  • GF Value™: $2.16 vs. price of $1.14 (47.2% below fair value)
  • GF Score™: 68/100 with 2 warning signs

No single metric tells the full story. See the ZZHGY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

ZhongAn Online P&C Insurance Co Business Description

Other Exchanges 06060:Hong Kong1ZO:Germany
Address 219 Yuanmingyuan Road, Shanghai, CHN
ZhongAn Online P&C Insurance Co Ltd is principally engaged in Fintech business, which mainly provides internet insurance services and insurance information technology services to customers. Its operating segments includes; Insurance, Technology, Banking, and Others. The insurance segment offers online property and casualty insurance and services in the PRC and generates majority of the company's revenue.
68GF Score

Get the complete analysis for ZZHGY

Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$1.14
Price
$2.16
GF Value