ZZHGF (ZhongAn Online P&C Insurance Co) LT-Debt-to-Total-Asset: 0.06 (As of Dec. 2025)


ZZHGF ZhongAn Online P&C Insurance Co Ltd ZZHGF
84 GF Score
Price $1.50
GF Value $2.48
! 2 Warning Signs
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What is ZhongAn Online P&C Insurance Co LT-Debt-to-Total-Asset?

ZhongAn Online P&C Insurance Co ZZHGF -37.50% 84 LT-Debt-to-Total-Asset is 0.06 as of Dec. 2025. GuruFocus rates ZZHGF with a GF Score™ of 84/100 and a GF Value™ of $2.48. The stock has 2 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. ZhongAn Online P&C Insurance Co's long-term debt to total assests ratio for the quarter that ended in Dec. 2025 was 0.06.

ZhongAn Online P&C Insurance Co's long-term debt to total assets ratio declined from Dec. 2024 (0.16) to Dec. 2025 (0.06). It may suggest that ZhongAn Online P&C Insurance Co is progressively becoming less dependent on debt to grow their business.

ZhongAn Online P&C Insurance Co  (OTCPK:ZZHGF) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

ZhongAn Online P&C Insurance Co LT-Debt-to-Total-Asset Related Terms

ZhongAn Online P&C Insurance Co LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for ZhongAn Online P&C Insurance Co's LT-Debt-to-Total-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.

ZhongAn Online P&C Insurance Co LT-Debt-to-Total-Asset Chart

ZhongAn Online P&C Insurance Co Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.15 0.15 0.17 0.16 0.06

ZhongAn Online P&C Insurance Co Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
LT-Debt-to-Total-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.17 0.17 0.16 0.06 0.06
ZZHGF
84GF Score
ZhongAn Online P&C Insurance Co Ltd ZZHGF
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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ZhongAn Online P&C Insurance Co LT-Debt-to-Total-Asset Calculation

ZhongAn Online P&C Insurance Co's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )=Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )/Total Assets (A: Dec. 2025 )
=393.23/6631.877
=0.06

ZhongAn Online P&C Insurance Co's Long-Term Debt to Total Asset Ratio for the quarter that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (Q: Dec. 2025 )=Long-Term Debt & Capital Lease Obligation (Q: Dec. 2025 )/Total Assets (Q: Dec. 2025 )
=393.23/6631.877
=0.06

* 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.

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →
What does a LT-Debt-to-Total-Asset of 0.06 mean?
ZhongAn Online P&C Insurance Co (ZZHGF) has a LT-Debt-to-Total-Asset of 0.06 as of Dec. 2025. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on ZhongAn Online P&C Insurance Co and its competitors.
Is ZhongAn Online P&C Insurance Co's LT-Debt-to-Total-Asset too high?
ZhongAn Online P&C Insurance Co's current LT-Debt-to-Total-Asset is 0.06. Overall, ZhongAn Online P&C Insurance Co has a GF Score™ of 84/100, reflecting its overall financial health beyond just this single metric.
How does ZhongAn Online P&C Insurance Co's LT-Debt-to-Total-Asset compare to CB and PGR?
ZhongAn Online P&C Insurance Co's LT-Debt-to-Total-Asset of 0.06 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 LT-Debt-to-Total-Asset for an Insurance company?
A good LT-Debt-to-Total-Asset depends on the Insurance industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?
A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on ZhongAn Online P&C Insurance Co and its competitors. ZhongAn Online P&C Insurance Co's current LT-Debt-to-Total-Asset is 0.06. 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 LT-Debt-to-Total-Asset of 0.06. The stock's GF Value™ is $2.48, compared to a current price of $1.50 — trading 39.5% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.06. 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 LT-Debt-to-Total-Asset calculated?
LT-Debt-to-Total-Asset is calculated from a company's financial statements. For ZhongAn Online P&C Insurance Co (ZZHGF), the current LT-Debt-to-Total-Asset is 0.06 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 (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 39.5% below its estimated GF Value™ of $2.48.

Key valuation signals for ZZHGF:

  • LT-Debt-to-Total-Asset: 0.06
  • GF Value™: $2.48 vs. price of $1.50 (39.5% below fair value)
  • GF Score™: 84/100 with 2 warning signs

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 Business Description

Address 219 Yuanmingyuan Road, Shanghai, CHN
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

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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$1.50
Price
$2.48
GF Value