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.
Zhibao TechnologyZBAO -0.98%8 Interest Coverage is 2.23 as of Dec. 2025, which is 80% below its 10-year median of 11.38. GuruFocus rates ZBAO with a GF Score™ of 8/100. The stock has 5 warning signs investors should review. Among 348 Insurance companies, Zhibao Technology ranks worse than 287356.03% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
Operating Income
by its Interest Expense. Zhibao Technology's
Operating Income
for the
six
months ended in Dec. 2025 was $0.66 Mil. Zhibao Technology's Interest Expense for the
six
months ended in Dec. 2025 was $-0.29 Mil.
Zhibao Technology's interest coverage for the quarter that ended in Dec. 2025 was 2.23.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Zhibao Technology's Interest Coverage or its related term are showing as below:
ZBAO's Interest Coverage is not ranked *
in the Insurance industry.
Industry Median: 15.43 * Ranked among companies with meaningful Interest Coverage only.
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Zhibao Technology Interest Coverage Related Terms
Zhibao Technology Interest Coverage Historical Data
* Premium members only.
The historical data trend for Zhibao Technology's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
ZBAO vs GOCOQ, EZRA, HUIZ: Interest Coverage Comparison
For the Insurance Brokers subindustry, Zhibao Technology's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, Zhibao Technology's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Zhibao Technology's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 Interest Coverage of 2.23 as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Zhibao Technology and its competitors. This is 80% below median its historical median of 11.38. According to the industry distribution chart, Zhibao Technology ranks #999999 out of 348 companies in the Insurance industry.
Is Zhibao Technology's Interest Coverage too high?
Zhibao Technology's current Interest Coverage of 2.23 is 80% below median its 10-year median of 11.38. The Insurance industry median Interest Coverage is 15.43. Zhibao Technology's value of 2.23 is 85.5% below this industry median. Based on the distribution chart, Zhibao Technology ranks #999999 out of 348 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 Interest Coverage compare to GOCOQ and EZRA?
According to the Insurance industry distribution chart, Zhibao Technology ranks #999999 out of 348 companies for Interest Coverage. This places Zhibao Technology in the lower half of its industry. The industry median Interest Coverage is 15.43. Zhibao Technology's value of 2.23 is 85.5% below this benchmark. While the company's 10-year median is 11.38 vs. the industry median of 15.43, 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 Interest Coverage for an Insurance company?
The median Interest Coverage among Insurance companies is 15.43, based on 348 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Zhibao Technology's current Interest Coverage of 2.23 is 85.5% 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Zhibao Technology and its competitors. For the Insurance industry, the median Interest Coverage is 15.43 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Zhibao Technology's current Interest Coverage is 2.23, which is 80% below median its own 10-year median of 11.38. 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 Interest Coverage of 2.23. The current Interest Coverage is 2.23, which is 80% below median its 10-year median of 11.38 and 85.5% below the Insurance industry median of 15.43. 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Zhibao Technology (ZBAO), the current Interest Coverage is 2.23 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.
8GF Score
Get the complete analysis for ZBAO
Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ZBAO has been successfully added to your 
