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The historical rank and industry rank for ZhongAn Online P&C Insurance Co's Return-on-Tangible-Equity or its related term are showing as below:
ZZHGF'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -10.69 Med: 1.56 Max: 23.32
Current: 5.04
During the past 12 years, ZhongAn Online P&C Insurance Co's highest Return-on-Tangible-Equity was 23.32%. The lowest was -10.69%. And the median was 1.56%.
ZZHGF's Return-on-Tangible-Equity is ranked worse than 80.28% of 497
companies
in the Insurance industry
Industry Median: 13.32
vs ZZHGF: 5.04
ZhongAn Online P&C Insurance Co (OTCPK:ZZHGF) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
ZhongAn Online P&C Insurance Co Return-on-Tangible-Equity Related Terms
ZhongAn Online P&C Insurance Co Return-on-Tangible-Equity 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 Return-on-Tangible-Equity Chart
ZZHGF vs CB, PGR, TRV: Return-on-Tangible-Equity Comparison
For the Insurance - Property & Casualty subindustry, ZhongAn Online P&C Insurance Co's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, ZhongAn Online P&C Insurance Co's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where ZhongAn Online P&C Insurance Co's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is two times the semi-annual (Dec. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 3.83% mean?
ZhongAn Online P&C Insurance Co (ZZHGF) has a Return-on-Tangible-Equity of 3.83% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on ZhongAn Online P&C Insurance Co and its competitors. This is 146% above median its historical median of 1.56. According to the industry distribution chart, ZhongAn Online P&C Insurance Co ranks #399 out of 497 companies in the Insurance industry, placing it in the top 80.3%.
Is ZhongAn Online P&C Insurance Co's Return-on-Tangible-Equity too high?
ZhongAn Online P&C Insurance Co's current Return-on-Tangible-Equity of 3.83% is 146% above median its 10-year median of 1.56. The Insurance industry median Return-on-Tangible-Equity is 13.32. ZhongAn Online P&C Insurance Co's value of 3.83% is 71.2% below this industry median. Based on the distribution chart, ZhongAn Online P&C Insurance Co ranks #399 out of 497 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 Return-on-Tangible-Equity compare to CB and PGR?
According to the Insurance industry distribution chart, ZhongAn Online P&C Insurance Co ranks #399 out of 497 companies for Return-on-Tangible-Equity. This places ZhongAn Online P&C Insurance Co in the lower half of its industry. The industry median Return-on-Tangible-Equity is 13.32. ZhongAn Online P&C Insurance Co's value of 3.83% is 71.2% below this benchmark. While the company's 10-year median is 1.56 vs. the industry median of 13.32, 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 Return-on-Tangible-Equity for an Insurance company?
The median Return-on-Tangible-Equity among Insurance companies is 13.32, based on 497 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity 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 Return-on-Tangible-Equity of 3.83% is 71.2% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on ZhongAn Online P&C Insurance Co and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.32 — 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 Return-on-Tangible-Equity is 3.83%, which is 146% above median its own 10-year median of 1.56. 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 Return-on-Tangible-Equity of 3.83%. The stock's GF Value™ is $2.35, compared to a current price of $1.50 — trading 36.2% below its estimated fair value. The current Return-on-Tangible-Equity is 3.83%, which is 146% above median its 10-year median of 1.56 and 71.2% below the Insurance industry median of 13.32. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For ZhongAn Online P&C Insurance Co (ZZHGF), the current Return-on-Tangible-Equity is 3.83% 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.
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 36.2% below its estimated GF Value™ of $2.35.
Key valuation signals for ZZHGF:
Return-on-Tangible-Equity: 3.83% (146% above median its 10-year median of 1.56)
GF Value™: $2.35 vs. price of $1.50 (36.2% below fair value)
Industry Position: 71.2% below the Insurance median (#399 of 497)
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
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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