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Zhibao TechnologyZBAO -0.98%8 5-Year RORE % is 93.73 as of Dec. 2025. GuruFocus rates ZBAO with a GF Score™ of 8/100. The stock has 5 warning signs investors should review. Among 447 Insurance companies, Zhibao Technology ranks better than 92.84% on this metric.
Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Zhibao Technology's 5-Year RORE % for the quarter that ended in Dec. 2025 was 93.73%.
The industry rank for Zhibao Technology's 5-Year RORE % or its related term are showing as below:
ZBAO's 5-Year RORE % is ranked better than 92.84% of 447
companies
in the Insurance industry
Industry Median: 14.91
vs ZBAO: 93.73
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 5-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Zhibao Technology 5-Year RORE % Related Terms
Zhibao Technology 5-Year RORE % Historical Data
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The historical data trend for Zhibao Technology's 5-Year RORE % 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.
ZBAO vs GOCOQ, EZRA, HUIZ: 5-Year RORE % Comparison
For the Insurance Brokers subindustry, Zhibao Technology's 5-Year RORE %, along with its competitors' market caps and 5-Year RORE % 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 5-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Zhibao Technology's 5-Year RORE % distribution charts can be found below:
* The bar in red indicates where Zhibao Technology's 5-Year RORE % 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 5-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Dec. 2025 and 5-year before.
Zhibao Technology (ZBAO) has a 5-Year RORE % of 93.73 as of Dec. 2025. 5-Year RORE % shows how much a company earns by reinvesting its retained earnings in 5-year. View historical data on Zhibao Technology and its competitors. According to the industry distribution chart, Zhibao Technology ranks #32 out of 447 companies in the Insurance industry, placing it in the top 7.2%.
Is Zhibao Technology's 5-Year RORE % too high?
Zhibao Technology's current 5-Year RORE % is 93.73. The Insurance industry median 5-Year RORE % is 14.91. Zhibao Technology's value of 93.73 is 528.6% above this industry median. Based on the distribution chart, Zhibao Technology ranks #32 out of 447 companies in the Insurance industry, which is in the top quartile — a strong position 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 5-Year RORE % compare to GOCOQ and EZRA?
According to the Insurance industry distribution chart, Zhibao Technology ranks #32 out of 447 companies for 5-Year RORE %. This places Zhibao Technology in the top 7% of its industry — outperforming the majority of peers. The industry median 5-Year RORE % is 14.91. Zhibao Technology's value of 93.73 is 528.6% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year RORE % for an Insurance company?
The median 5-Year RORE % among Insurance companies is 14.91, based on 447 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Zhibao Technology's current 5-Year RORE % of 93.73 is 528.6% above 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 5-Year RORE % mean?
A high 5-Year RORE % can signal that a stock is expensive relative to its fundamentals. 5-Year RORE % shows how much a company earns by reinvesting its retained earnings in 5-year. View historical data on Zhibao Technology and its competitors. For the Insurance industry, the median 5-Year RORE % is 14.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Zhibao Technology's current 5-Year RORE % is 93.73. 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 5-Year RORE % of 93.73. The current 5-Year RORE % is 93.73 and 528.6% above the Insurance industry median of 14.91. 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 5-Year RORE % calculated?
5-Year RORE % is calculated from a company's financial statements. For Zhibao Technology (ZBAO), the current 5-Year RORE % is 93.73 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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