ZBAO (Zhibao Technology) Moat Score: 2/10 (As of Aug. 31, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

ZBAO Zhibao Technology Inc ZBAO
8 GF Score
Price $0.17
! 5 Warning Signs
View Full Analysis

What is Zhibao Technology Moat Score?

Zhibao Technology ZBAO -0.98% 8 Moat Score is 2 as of Aug. 31, 2026. GuruFocus rates ZBAO with a GF Score™ of 8/100. The stock has 5 warning signs investors should review. Among 590 Insurance companies, Zhibao Technology ranks better than 69.66% on this metric.

Zhibao Technology has the Moat Score of 2, which implies that the company might have No Moat - Very weak/transient advantages.

Zhibao Technology has No Moat: Zhibao Technology Inc lacks significant market leadership and customer loyalty. The company does not exhibit strong network effects or switching costs, and there is no evidence of valuable intellectual property or patents. Its cost advantages and pricing power are not durable, and it faces significant competition without regulatory barriers.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Zhibao Technology might have No Moat - Very weak/transient advantages.

Zhibao Technology  (NAS:ZBAO) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Zhibao Technology Moat Score Related Terms

ZBAO vs GOCOQ, EZRA, HUIZ: Moat Score Comparison

For the Insurance Brokers subindustry, Zhibao Technology's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, Zhibao Technology's Moat Score distribution charts can be found below:

* The bar in red indicates where Zhibao Technology's Moat Score falls into.


ZBAO
8GF Score
Zhibao Technology Inc ZBAO
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 2 mean?
Zhibao Technology (ZBAO) has a Moat Score of 2 as of Aug. 31, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Zhibao Technology ranks #179 out of 590 companies in the Insurance industry, placing it in the top 30.3%.
Is Zhibao Technology's Moat Score too high?
Zhibao Technology's current Moat Score is 2. Based on the distribution chart, Zhibao Technology ranks #179 out of 590 companies in the Insurance industry, which is above the industry midpoint. 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 Moat Score compare to GOCOQ and EZRA?
According to the Insurance industry distribution chart, Zhibao Technology ranks #179 out of 590 companies for Moat Score. This puts Zhibao Technology in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Insurance company?
A good Moat Score depends on the Insurance industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Zhibao Technology's current Moat Score is 2. 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 Moat Score of 2. The current Moat Score is 2. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Zhibao Technology (ZBAO), the current Moat Score is 2 as of Aug. 31, 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.

Zhibao Technology Business Description

Address Floor 3, Building 6, Wuxing Road, Lane 727, Shanghai, CHN, 201204
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

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$0.17
Price