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Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities, calculated as total liabilities divided by total asset. Zhibao Technology's Total Liabilities for the quarter that ended in Dec. 2025 was $33.21 Mil. Zhibao Technology's Total Assets for the quarter that ended in Dec. 2025 was $40.20 Mil.
Therefore, Zhibao Technology's Liabilities-to-Assets Ratio for the quarter that ended in Dec. 2025 was 0.83.
Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities. It can vary greatly across different industries, as they have different capital structure. A high Liabilities-to-Assets ratio (more leveraged) suggests that the company might have potential solvency problems, or even a signal of financial distress. Conversely, a low Liabilities-to-Assets ratio usually indicates a healthy financial situation. However, it may also suggest that the company is not expanding or not making good use of debt.
Zhibao Technology Liabilities-to-Assets Related Terms
Zhibao Technology Liabilities-to-Assets Historical Data
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The historical data trend for Zhibao Technology's Liabilities-to-Assets 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: Liabilities-to-Assets Comparison
For the Insurance Brokers subindustry, Zhibao Technology's Liabilities-to-Assets, along with its competitors' market caps and Liabilities-to-Assets 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 Liabilities-to-Assets vs Insurance Industry
For the Insurance industry and Financial Services sector, Zhibao Technology's Liabilities-to-Assets distribution charts can be found below:
* The bar in red indicates where Zhibao Technology's Liabilities-to-Assets falls into.
Liabilities-to-Assets ratio measures the portion of the total liabilities to the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Liabilities-to-Assets ratio is calculated by dividing total liabilities by total asset.
Zhibao Technology's Liabilities-to-Assets 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 Liabilities-to-Assets of 0.83 as of Dec. 2025. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Zhibao Technology and its competitors.
Is Zhibao Technology's Liabilities-to-Assets too high?
Zhibao Technology's current Liabilities-to-Assets is 0.83. 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 Liabilities-to-Assets compare to GOCOQ and EZRA?
Zhibao Technology's Liabilities-to-Assets of 0.83 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 Liabilities-to-Assets for an Insurance company?
A good Liabilities-to-Assets depends on the Insurance industry context. However, Liabilities-to-Assets 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 Liabilities-to-Assets mean?
A high Liabilities-to-Assets can signal that a stock is expensive relative to its fundamentals. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Zhibao Technology and its competitors. Zhibao Technology's current Liabilities-to-Assets is 0.83. 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 Liabilities-to-Assets of 0.83. The current Liabilities-to-Assets is 0.83. 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 Liabilities-to-Assets calculated?
Liabilities-to-Assets is calculated from a company's financial statements. For Zhibao Technology (ZBAO), the current Liabilities-to-Assets is 0.83 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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