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Zhibao TechnologyZBAO +5.99%8 Equity-to-Asset is 0.07 as of Dec. 2025, which is 53% below its 10-year median of 0.15. GuruFocus rates ZBAO with a GF Score™ of 8/100. The stock has 5 warning signs investors should review. Among 500 Insurance companies, Zhibao Technology ranks worse than 84.6% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Zhibao Technology's Total Stockholders Equity for the quarter that ended in Dec. 2025 was $2.82 Mil. Zhibao Technology's Total Assets for the quarter that ended in Dec. 2025 was $40.20 Mil.
Therefore, Zhibao Technology's Equity to Asset Ratio for the quarter that ended in Dec. 2025 was 0.07.
The historical rank and industry rank for Zhibao Technology's Equity-to-Asset or its related term are showing as below:
ZBAO'
s Equity-to-Asset Range Over the Past 10 Years
Min: -0.03 Med: 0.15 Max: 0.31
Current: 0.07
During the past 5 years, the highest Equity to Asset Ratio of Zhibao Technology was 0.31. The lowest was -0.03. And the median was 0.15.
ZBAO's Equity-to-Asset is ranked worse than 84.6% of 500
companies
in the Insurance industry
Industry Median: 0.26
vs ZBAO: 0.07
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Zhibao Technology Equity-to-Asset Related Terms
Zhibao Technology Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Zhibao Technology's Equity-to-Asset 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: Equity-to-Asset Comparison
For the Insurance Brokers subindustry, Zhibao Technology's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, Zhibao Technology's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Zhibao Technology's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Zhibao Technology's Equity to Asset Ratio for the fiscal year that ended in Jun. 2025 is calculated as
* 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.
Zhibao Technology (ZBAO) has a Equity-to-Asset of 0.07 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Zhibao Technology and its competitors. This is 53% below median its historical median of 0.15. According to the industry distribution chart, Zhibao Technology ranks #423 out of 500 companies in the Insurance industry, placing it in the top 84.6%.
Is Zhibao Technology's Equity-to-Asset too high?
Zhibao Technology's current Equity-to-Asset of 0.07 is 53% below median its 10-year median of 0.15. The Insurance industry median Equity-to-Asset is 0.26. Zhibao Technology's value of 0.07 is 73.1% below this industry median. Based on the distribution chart, Zhibao Technology ranks #423 out of 500 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 Equity-to-Asset compare to GOCOQ and EZRA?
According to the Insurance industry distribution chart, Zhibao Technology ranks #423 out of 500 companies for Equity-to-Asset. This places Zhibao Technology in the lower half of its industry. The industry median Equity-to-Asset is 0.26. Zhibao Technology's value of 0.07 is 73.1% below this benchmark. While the company's 10-year median is 0.15 vs. the industry median of 0.26, Zhibao Technology 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 Equity-to-Asset for an Insurance company?
The median Equity-to-Asset among Insurance companies is 0.26, based on 500 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Zhibao Technology's current Equity-to-Asset of 0.07 is 73.1% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Zhibao Technology and its competitors. For the Insurance industry, the median Equity-to-Asset is 0.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Zhibao Technology's current Equity-to-Asset is 0.07, which is 53% below median its own 10-year median of 0.15. 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 Equity-to-Asset of 0.07. The current Equity-to-Asset is 0.07, which is 53% below median its 10-year median of 0.15 and 73.1% below the Insurance industry median of 0.26. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Zhibao Technology (ZBAO), the current Equity-to-Asset is 0.07 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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