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Zhibao TechnologyZBAO -0.98%8 Quick Ratio is 0.86 as of Dec. 2025, which is 18% below its 10-year median of 1.05. GuruFocus rates ZBAO with a GF Score™ of 8/100. The stock has 5 warning signs investors should review. Among 64 Insurance companies, Zhibao Technology ranks worse than 89.06% on this metric.
Zhibao Technology (NAS:ZBAO) Quick Ratio Explanation
The quick ratio is more conservative than the Current Ratio because it excludes inventories from current assets. The ratio derives its name presumably from the fact that assets such as cash and marketable securities are quick sources of cash. Inventories generally take time to be converted into cash, and if they have to be sold quickly, the company may have to accept a lower price than book value of these inventories. As a result, they are justifiably excluded from assets that are ready sources of immediate cash.
In general, low or decreasing quick ratios generally suggest that a company is over-leveraged, struggling to maintain or grow sales, paying bills too quickly or collecting receivables too slowly. On the other hand, a high or increasing quick ratio generally indicates that a company is experiencing solid top-line growth, quickly converting receivables into cash, and easily able to cover its financial obligations. Such companies often have faster inventory turnover and cash conversion cycles.
The higher the quick ratio, the better the company's liquidity position.
Zhibao Technology Quick Ratio Related Terms
Zhibao Technology Quick Ratio Historical Data
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The historical data trend for Zhibao Technology's Quick Ratio 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.
For the Insurance Brokers subindustry, Zhibao Technology's Quick Ratio, along with its competitors' market caps and Quick Ratio 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 Quick Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Zhibao Technology's Quick Ratio distribution charts can be found below:
* The bar in red indicates where Zhibao Technology's Quick Ratio falls into.
The quick ratio measures a company's ability to meet its short-term obligations with its most liquid assets. For this reason, the ratio excludes inventories from current assets.
Zhibao Technology's Quick 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 Quick Ratio of 0.86 as of Dec. 2025. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Zhibao Technology and its competitors. This is 18% below median its historical median of 1.05. Over the past decade, Zhibao Technology's Quick Ratio has ranged from 0.79 to 1.40. According to the industry distribution chart, Zhibao Technology ranks #57 out of 64 companies in the Insurance industry, placing it in the top 89.1%.
Is Zhibao Technology's Quick Ratio too high?
Zhibao Technology's current Quick Ratio of 0.86 is 18% below median its 10-year median of 1.05. Over the past 10 years, this metric has ranged from a low of 0.79 to a high of 1.40. The Insurance industry median Quick Ratio is 1.68. Zhibao Technology's value of 0.86 is 48.8% below this industry median. Based on the distribution chart, Zhibao Technology ranks #57 out of 64 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 Quick Ratio compare to GOCOQ and EZRA?
According to the Insurance industry distribution chart, Zhibao Technology ranks #57 out of 64 companies for Quick Ratio. This places Zhibao Technology in the lower half of its industry. The industry median Quick Ratio is 1.68. Zhibao Technology's value of 0.86 is 48.8% below this benchmark. Historically, Zhibao Technology's own Quick Ratio has ranged from 0.79 to 1.40 over the past decade. While the company's 10-year median is 1.05 vs. the industry median of 1.68, 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 Quick Ratio for an Insurance company?
The median Quick Ratio among Insurance companies is 1.68, based on 64 companies in the industry. Companies in the top quartile (top 25%) have a Quick Ratio significantly above this median, while those in the bottom quartile fall well below. However, Quick Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Zhibao Technology's current Quick Ratio of 0.86 is 48.8% 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 Quick Ratio mean?
A high Quick Ratio can signal that a stock is expensive relative to its fundamentals. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Zhibao Technology and its competitors. For the Insurance industry, the median Quick Ratio is 1.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Zhibao Technology's current Quick Ratio is 0.86, which is 18% below median its own 10-year median of 1.05. 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 Quick Ratio of 0.86. The current Quick Ratio is 0.86, which is 18% below median its 10-year median of 1.05 and 48.8% below the Insurance industry median of 1.68. 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 Quick Ratio calculated?
Quick Ratio is calculated from a company's financial statements. For Zhibao Technology (ZBAO), the current Quick Ratio is 0.86 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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