ZZHGF (ZhongAn Online P&C Insurance Co) EBIT: $255 Mil (TTM As of Dec. 2025)


ZZHGF ZhongAn Online P&C Insurance Co Ltd ZZHGF
83 GF Score
Price $1.50
GF Value $2.65
! 2 Warning Signs
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What is ZhongAn Online P&C Insurance Co EBIT?

ZhongAn Online P&C Insurance Co ZZHGF -37.50% 83 EBIT is $255 Mil as of Dec. 2025. GuruFocus rates ZZHGF with a GF Score™ of 83/100 and a GF Value™ of $2.65. The stock has 2 warning signs investors should review.

ZhongAn Online P&C Insurance Co's earnings before interest and taxes (EBIT) for the six months ended in Dec. 2025 was $124 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Dec. 2025 was $255 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. ZhongAn Online P&C Insurance Co's annualized ROC % for the quarter that ended in Dec. 2025 was 2.54%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. ZhongAn Online P&C Insurance Co's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Dec. 2025 was 12.72%.

ZhongAn Online P&C Insurance Co  (OTCPK:ZZHGF) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

ZhongAn Online P&C Insurance Co's annualized ROC % for the quarter that ended in Dec. 2025 is calculated as:

ROC % (Q: Dec. 2025 )
=NOPAT/Average Invested Capital
=EBIT * ( 1 - Tax Rate % )/( (Invested Capital (Q: Jun. 2025 ) + Invested Capital (Q: Dec. 2025 ))/ count )
=248.408 * ( 1 - 43.34% )/( (5386.6724 + 5691.6725)/ 2 )
=140.7479728/5539.17245
=2.54 %

where

Invested Capital(Q: Jun. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
=6050.983 - 618.033 - ( 156.076 - 5% * 2195.968 )
=5386.6724

Invested Capital(Q: Dec. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
=6631.877 - 644.16 - ( 430.954 - 5% * 2698.19 )
=5691.6725

Note: The EBIT data used here is two times the semi-annual (Dec. 2025) data.

2. Joel Greenblatt's definition of Return on Capital:

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

ZhongAn Online P&C Insurance Co's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Dec. 2025 )
=255.292/2006.459
=12.72 %

* 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 EBIT Related Terms

ZhongAn Online P&C Insurance Co EBIT Historical Data

* Premium members only.

The historical data trend for ZhongAn Online P&C Insurance Co's EBIT 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 EBIT Chart

ZhongAn Online P&C Insurance Co Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EBIT
Get a 7-Day Free Trial Premium Member Only Premium Member Only 191.15 -179.94 626.71 178.68 257.85

ZhongAn Online P&C Insurance Co Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
EBIT 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 Premium Member Only Premium Member Only 580.71 37.12 141.69 131.09 124.20

ZZHGF vs CB, PGR, TRV: EBIT Comparison

For the Insurance - Property & Casualty subindustry, ZhongAn Online P&C Insurance Co's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Insurance Industry

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

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


ZZHGF
83GF Score
ZhongAn Online P&C Insurance Co Ltd ZZHGF
EBIT is just one metric. See GF Score™, valuation, warning signs, and more.
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ZhongAn Online P&C Insurance Co EBIT Calculation

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

EBIT for the trailing twelve months (TTM) ended in Dec. 2025 adds up the semi-annually data reported by the company within the most recent 12 months, which was $255 Mil.

* 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.

Frequently Asked Questions Learn more about EBIT →
What does a EBIT of $255 Mil mean?
ZhongAn Online P&C Insurance Co (ZZHGF) has a EBIT of $255 Mil as of Dec. 2025. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on ZhongAn Online P&C Insurance Co.
Is ZhongAn Online P&C Insurance Co's EBIT too high?
ZhongAn Online P&C Insurance Co's current EBIT is $255 Mil. Overall, ZhongAn Online P&C Insurance Co has a GF Score™ of 83/100, reflecting its overall financial health beyond just this single metric.
How does ZhongAn Online P&C Insurance Co's EBIT compare to CB and PGR?
ZhongAn Online P&C Insurance Co's EBIT of $255 Mil can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBIT for an Insurance company?
A good EBIT depends on the Insurance industry context. However, EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EBIT mean?
A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on ZhongAn Online P&C Insurance Co. ZhongAn Online P&C Insurance Co's current EBIT is $255 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ZhongAn Online P&C Insurance Co stock overvalued right now?
ZhongAn Online P&C Insurance Co (ZZHGF) has a current EBIT of $255 Mil. The stock's GF Value™ is $2.65, compared to a current price of $1.50 — trading 43.4% below its estimated fair value. The current EBIT is $255 Mil. ZhongAn Online P&C Insurance Co's overall GF Score™ is 83/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBIT calculated?
EBIT is calculated from a company's financial statements. For ZhongAn Online P&C Insurance Co (ZZHGF), the current EBIT is $255 Mil 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.

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

Based on GuruFocus' analysis, ZhongAn Online P&C Insurance Co stock appears to be undervalued. The current stock price of $1.50 is trading 43.4% below its estimated GF Value™ of $2.65.

Key valuation signals for ZZHGF:

  • EBIT: $255 Mil
  • GF Value™: $2.65 vs. price of $1.50 (43.4% below fair value)
  • GF Score™: 83/100 with 2 warning signs

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

ZhongAn Online P&C Insurance Co Business Description

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.
83GF Score

Get the complete analysis for ZZHGF

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

$1.50
Price
$2.65
GF Value