ZhongAn Online P&C Insurance CoFRA:1ZO -2.87%84 EBITDA Margin % is 5.45% as of Dec. 2025, which is 122% above its 10-year median of 2.45. GuruFocus rates FRA:1ZO with a GF Score™ of 84/100 and a GF Value™ of €1.78 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 373 Insurance companies, ZhongAn Online P&C Insurance Co ranks worse than 81.77% on this metric.
ZhongAn Online P&C Insurance Co (FRA:1ZO) EBITDA Margin % Explanation
EBITDA Margin % is the ratio of EBITDA divided by net sales or Revenue. It is an performance metric measuring company's operating profitability. EBITDA Margin takes depreciation and amortization, interest expense and tax into account, which makes it easy to compare the relative profitability of companies of different sizes in the same industry.
ZhongAn Online P&C Insurance Co EBITDA Margin % Related Terms
ZhongAn Online P&C Insurance Co EBITDA Margin % Historical Data
* 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 EBITDA Margin % Chart
FRA:1ZO vs CB, PGR, TRV: EBITDA Margin % Comparison
For the Insurance - Property & Casualty subindustry, ZhongAn Online P&C Insurance Co's EBITDA Margin %, along with its competitors' market caps and EBITDA Margin % 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 EBITDA Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, ZhongAn Online P&C Insurance Co's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where ZhongAn Online P&C Insurance Co's EBITDA Margin % 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.
ZhongAn Online P&C Insurance Co (FRA:1ZO) has a EBITDA Margin % of 5.45% as of Dec. 2025. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on ZhongAn Online P&C Insurance Co and its competitors. This is 122% above median its historical median of 2.45. According to the industry distribution chart, ZhongAn Online P&C Insurance Co ranks #305 out of 373 companies in the Insurance industry, placing it in the top 81.8%.
Is ZhongAn Online P&C Insurance Co's EBITDA Margin % too high?
ZhongAn Online P&C Insurance Co's current EBITDA Margin % of 5.45% is 122% above median its 10-year median of 2.45. The Insurance industry median EBITDA Margin % is 14.81. ZhongAn Online P&C Insurance Co's value of 5.45% is 63.2% below this industry median. Based on the distribution chart, ZhongAn Online P&C Insurance Co ranks #305 out of 373 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, ZhongAn Online P&C Insurance Co has a GF Score™ of 84/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does ZhongAn Online P&C Insurance Co's EBITDA Margin % compare to CB and PGR?
According to the Insurance industry distribution chart, ZhongAn Online P&C Insurance Co ranks #305 out of 373 companies for EBITDA Margin %. This places ZhongAn Online P&C Insurance Co in the lower half of its industry. The industry median EBITDA Margin % is 14.81. ZhongAn Online P&C Insurance Co's value of 5.45% is 63.2% below this benchmark. While the company's 10-year median is 2.45 vs. the industry median of 14.81, ZhongAn Online P&C Insurance Co 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 EBITDA Margin % for an Insurance company?
The median EBITDA Margin % among Insurance companies is 14.81, based on 373 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA Margin % significantly above this median, while those in the bottom quartile fall well below. However, EBITDA Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ZhongAn Online P&C Insurance Co's current EBITDA Margin % of 5.45% is 63.2% 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 EBITDA Margin % mean?
A high EBITDA Margin % can signal that a stock is expensive relative to its fundamentals. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on ZhongAn Online P&C Insurance Co and its competitors. For the Insurance industry, the median EBITDA Margin % is 14.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ZhongAn Online P&C Insurance Co's current EBITDA Margin % is 5.45%, which is 122% above median its own 10-year median of 2.45. 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?
Based on GuruFocus' analysis, ZhongAn Online P&C Insurance Co (FRA:1ZO) is currently considered Significantly Undervalued. The stock's GF Value™ is €1.78, compared to a current price of €0.98 — trading 44.9% below its estimated fair value. The current EBITDA Margin % is 5.45%, which is 122% above median its 10-year median of 2.45 and 63.2% below the Insurance industry median of 14.81. ZhongAn Online P&C Insurance Co's overall GF Score™ is 84/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBITDA Margin % calculated?
EBITDA Margin % is calculated from a company's financial statements. For ZhongAn Online P&C Insurance Co (FRA:1ZO), the current EBITDA Margin % is 5.45% 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 (FRA:1ZO) Overvalued in 2026?
Based on GuruFocus' analysis, ZhongAn Online P&C Insurance Co stock appears to be undervalued.
The current stock price of €0.98 is trading 44.9% below its estimated GF Value™ of €1.78.
GuruFocus considers ZhongAn Online P&C Insurance Co to be Significantly Undervalued.
Key valuation signals for FRA:1ZO:
EBITDA Margin %: 5.45% (122% above median its 10-year median of 2.45)
GF Value™: €1.78 vs. price of €0.98 (44.9% below fair value)
Industry Position: 63.2% below the Insurance median (#305 of 373)
No single metric tells the full story. See the FRA:1ZO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
ZhongAn Online P&C Insurance Co Business Description
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.
84GF Score
Get the complete analysis for FRA:1ZO
EBITDA Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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