Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
ZhongAn Online P&C Insurance Co (OTCPK:ZZHGF) EV-to-EBIT Explanation
This is a more accurate valuation of companies' operation because it considers the debt and cash on its balance sheet, and non-operating items such as interest payment, tax, and one-time items are not included in the Operating Income.
ZhongAn Online P&C Insurance Co's Enterprise Value for the quarter that ended in Dec. 2025 was $2,489 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. ZhongAn Online P&C Insurance Co's EBIT for the trailing twelve months (TTM) ended in Dec. 2025 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.
ZhongAn Online P&C Insurance Co EV-to-EBIT Related Terms
ZhongAn Online P&C Insurance Co EV-to-EBIT 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.
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.
ZhongAn Online P&C Insurance Co's current Enterprise Value is $2,413 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. ZhongAn Online P&C Insurance Co's EBIT for the trailing twelve months (TTM) ended in Dec. 2025 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.
ZhongAn Online P&C Insurance Co (ZZHGF) has a EV-to-EBIT of 9.45 as of Sep. 02, 2026. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on ZhongAn Online P&C Insurance Co and its competitors. This is 82% above median its historical median of 5.19. According to the industry distribution chart, ZhongAn Online P&C Insurance Co ranks #186 out of 341 companies in the Insurance industry, placing it in the top 54.5%.
Is ZhongAn Online P&C Insurance Co's EV-to-EBIT too high?
ZhongAn Online P&C Insurance Co's current EV-to-EBIT of 9.45 is 82% above median its 10-year median of 5.19. The Insurance industry median EV-to-EBIT is 8.83. ZhongAn Online P&C Insurance Co's value of 9.45 is 7% above this industry median. Based on the distribution chart, ZhongAn Online P&C Insurance Co ranks #186 out of 341 companies in the Insurance industry, which is below the industry midpoint. Overall, ZhongAn Online P&C Insurance Co has a GF Score™ of 86/100, reflecting its overall financial health beyond just this single metric.
How does ZhongAn Online P&C Insurance Co's EV-to-EBIT compare to CB and PGR?
According to the Insurance industry distribution chart, ZhongAn Online P&C Insurance Co ranks #186 out of 341 companies for EV-to-EBIT. This places ZhongAn Online P&C Insurance Co in the lower half of its industry. The industry median EV-to-EBIT is 8.83. ZhongAn Online P&C Insurance Co's value of 9.45 is 7% above this benchmark. While the company's 10-year median is 5.19 vs. the industry median of 8.83, ZhongAn Online P&C Insurance Co 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 EV-to-EBIT for an Insurance company?
The median EV-to-EBIT among Insurance companies is 8.83, based on 341 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBIT significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBIT 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 EV-to-EBIT of 9.45 is 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 EV-to-EBIT mean?
A high EV-to-EBIT can signal that a stock is expensive relative to its fundamentals. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on ZhongAn Online P&C Insurance Co and its competitors. For the Insurance industry, the median EV-to-EBIT is 8.83 — 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 EV-to-EBIT is 9.45, which is 82% above median its own 10-year median of 5.19. 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 EV-to-EBIT of 9.45. The stock's GF Value™ is $2.20, compared to a current price of $1.50 — trading 31.8% below its estimated fair value. The current EV-to-EBIT is 9.45, which is 82% above median its 10-year median of 5.19 and 7% above the Insurance industry median of 8.83. ZhongAn Online P&C Insurance Co's overall GF Score™ is 86/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBIT calculated?
EV-to-EBIT is calculated from a company's financial statements. For ZhongAn Online P&C Insurance Co (ZZHGF), the current EV-to-EBIT is 9.45 as of Sep. 02, 2026. 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 31.8% below its estimated GF Value™ of $2.20.
Key valuation signals for ZZHGF:
EV-to-EBIT: 9.45 (82% above median its 10-year median of 5.19)
GF Value™: $2.20 vs. price of $1.50 (31.8% below fair value)
Industry Position: 7% above the Insurance median (#186 of 341)
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 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.
86GF Score
Get the complete analysis for ZZHGF
EV-to-EBIT is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ZZHGF has been successfully added to your 
