ZZHGF (ZhongAn Online P&C Insurance Co) Scaled Net Operating Assets: 0.33 (As of Dec. 2025)


ZZHGF ZhongAn Online P&C Insurance Co Ltd ZZHGF
84 GF Score
Price $1.50
GF Value $2.59
! 2 Warning Signs
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What is ZhongAn Online P&C Insurance Co Scaled Net Operating Assets?

ZhongAn Online P&C Insurance Co ZZHGF -37.50% 84 Scaled Net Operating Assets is 0.33 as of Dec. 2025. GuruFocus rates ZZHGF with a GF Score™ of 84/100 and a GF Value™ of $2.59. The stock has 2 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

ZhongAn Online P&C Insurance Co's operating assets for the quarter that ended in Dec. 2025 was $4,649 Mil. ZhongAn Online P&C Insurance Co's operating liabilities for the quarter that ended in Dec. 2025 was $2,625 Mil. ZhongAn Online P&C Insurance Co's Total Assets for the quarter that ended in Jun. 2025 was $6,051 Mil. Therefore, ZhongAn Online P&C Insurance Co's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.33.

ZZHGF
84GF Score
ZhongAn Online P&C Insurance Co Ltd ZZHGF
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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ZhongAn Online P&C Insurance Co Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

ZhongAn Online P&C Insurance Co's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(6200.923-2625.337)/6219.811
=0.57

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=6631.877 - 430.954
=6200.923

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=3018.567 - 393.23 - 0
=2625.337

ZhongAn Online P&C Insurance Co's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2025 )
=(Operating Assets (Q: Dec. 2025 )-Operating Liabilities (Q: Dec. 2025 ))/Total Assets (Q: Jun. 2025 )
=(4648.972-2625.337)/6050.983
=0.33

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=6631.877 - 1982.905
=4648.972

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=3018.567 - 393.23 - 0
=2625.337

* 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.

What does a Scaled Net Operating Assets of 0.33 mean?
ZhongAn Online P&C Insurance Co (ZZHGF) has a Scaled Net Operating Assets of 0.33 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on ZhongAn Online P&C Insurance Co and its competitors.
Is ZhongAn Online P&C Insurance Co's Scaled Net Operating Assets too high?
ZhongAn Online P&C Insurance Co's current Scaled Net Operating Assets is 0.33. Overall, ZhongAn Online P&C Insurance Co has a GF Score™ of 84/100, reflecting its overall financial health beyond just this single metric.
How does ZhongAn Online P&C Insurance Co's Scaled Net Operating Assets compare to CB and PGR?
ZhongAn Online P&C Insurance Co's Scaled Net Operating Assets of 0.33 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for an Insurance company?
A good Scaled Net Operating Assets depends on the Insurance industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on ZhongAn Online P&C Insurance Co and its competitors. ZhongAn Online P&C Insurance Co's current Scaled Net Operating Assets is 0.33. 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 Scaled Net Operating Assets of 0.33. The stock's GF Value™ is $2.59, compared to a current price of $1.50 — trading 42.1% below its estimated fair value. The current Scaled Net Operating Assets is 0.33. ZhongAn Online P&C Insurance Co's overall GF Score™ is 84/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For ZhongAn Online P&C Insurance Co (ZZHGF), the current Scaled Net Operating Assets is 0.33 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 42.1% below its estimated GF Value™ of $2.59.

Key valuation signals for ZZHGF:

  • Scaled Net Operating Assets: 0.33
  • GF Value™: $2.59 vs. price of $1.50 (42.1% below fair value)
  • GF Score™: 84/100 with 2 warning signs

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

Address 219 Yuanmingyuan Road, Shanghai, CHN
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.
84GF Score

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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$1.50
Price
$2.59
GF Value