The historical rank and industry rank for ZhongAn Online P&C Insurance Co's Net Margin % or its related term are showing as below:
ZZHGF'
s Net Margin % Range Over the Past 10 Years
Min: -18.49 Med: 1.04 Max: 13.95
Current: 3.16
ZZHGF's Net Margin % is ranked worse than 77.45% of 501
companies
in the Insurance industry
Industry Median: 9.29
vs ZZHGF: 3.16
ZhongAn Online P&C Insurance Co (OTCPK:ZZHGF) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
ZhongAn Online P&C Insurance Co Net Margin % Related Terms
ZhongAn Online P&C Insurance Co Net Margin % Historical Data
* 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 Net Margin % Chart
For the Insurance - Property & Casualty subindustry, ZhongAn Online P&C Insurance Co's Net Margin %, along with its competitors' market caps and Net Margin % 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.
ZhongAn Online P&C Insurance Co Net Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, ZhongAn Online P&C Insurance Co's Net Margin % distribution charts can be found below:
* The bar in red indicates where ZhongAn Online P&C Insurance Co's Net Margin % falls into.
* 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 (ZZHGF) has a Net Margin % of 2.28% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on ZhongAn Online P&C Insurance Co and its competitors. This is 119% above median its historical median of 1.04. According to the industry distribution chart, ZhongAn Online P&C Insurance Co ranks #388 out of 501 companies in the Insurance industry, placing it in the top 77.4%.
Is ZhongAn Online P&C Insurance Co's Net Margin % too high?
ZhongAn Online P&C Insurance Co's current Net Margin % of 2.28% is 119% above median its 10-year median of 1.04. The Insurance industry median Net Margin % is 9.29. ZhongAn Online P&C Insurance Co's value of 2.28% is 75.5% below this industry median. Based on the distribution chart, ZhongAn Online P&C Insurance Co ranks #388 out of 501 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, ZhongAn Online P&C Insurance Co has a GF Score™ of 83/100, reflecting its overall financial health beyond just this single metric.
How does ZhongAn Online P&C Insurance Co's Net Margin % compare to CB and PGR?
According to the Insurance industry distribution chart, ZhongAn Online P&C Insurance Co ranks #388 out of 501 companies for Net Margin %. This places ZhongAn Online P&C Insurance Co in the lower half of its industry. The industry median Net Margin % is 9.29. ZhongAn Online P&C Insurance Co's value of 2.28% is 75.5% below this benchmark. While the company's 10-year median is 1.04 vs. the industry median of 9.29, ZhongAn Online P&C Insurance Co 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 Net Margin % for an Insurance company?
The median Net Margin % among Insurance companies is 9.29, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ZhongAn Online P&C Insurance Co's current Net Margin % of 2.28% is 75.5% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on ZhongAn Online P&C Insurance Co and its competitors. For the Insurance industry, the median Net Margin % is 9.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ZhongAn Online P&C Insurance Co's current Net Margin % is 2.28%, which is 119% above median its own 10-year median of 1.04. 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 Net Margin % of 2.28%. The stock's GF Value™ is $2.65, compared to a current price of $1.50 — trading 43.4% below its estimated fair value. The current Net Margin % is 2.28%, which is 119% above median its 10-year median of 1.04 and 75.5% below the Insurance industry median of 9.29. ZhongAn Online P&C Insurance Co's overall GF Score™ is 83/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For ZhongAn Online P&C Insurance Co (ZZHGF), the current Net Margin % is 2.28% 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 43.4% below its estimated GF Value™ of $2.65.
Key valuation signals for ZZHGF:
Net Margin %: 2.28% (119% above median its 10-year median of 1.04)
GF Value™: $2.65 vs. price of $1.50 (43.4% below fair value)
Industry Position: 75.5% below the Insurance median (#388 of 501)
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
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.
83GF Score
Get the complete analysis for ZZHGF
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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