ZZHGF (ZhongAn Online P&C Insurance Co) Tariff Resilience Score: 9/10 (As of Jul. 15, 2026)

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Director of Data and Quant Analytics at GuruFocus
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ZZHGF ZhongAn Online P&C Insurance Co Ltd ZZHGF
83 GF Score
Price $1.50
GF Value $2.44
! 2 Warning Signs
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What is ZhongAn Online P&C Insurance Co Tariff Resilience Score?

ZhongAn Online P&C Insurance Co ZZHGF -37.50% 83 Tariff Resilience Score is 9 as of Jul. 15, 2026. GuruFocus rates ZZHGF with a GF Score™ of 83/100 and a GF Value™ of $2.44. The stock has 2 warning signs investors should review. Among 592 Insurance companies, ZhongAn Online P&C Insurance Co ranks better than 99.66% on this metric.

ZhongAn Online P&C Insurance Co has the Tariff Resilience Score of 9, which implies that the company might have Highly Resilient.

ZhongAn Online P&C Insurance Co has As an online insurance provider, ZhongAn has minimal exposure to tariffs. Its operations are primarily digital, with no significant reliance on physical goods or international supply chains. The company is highly resilient to tariff changes, with no direct impact on its revenue model.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes ZhongAn Online P&C Insurance Co might have Highly Resilient.

ZhongAn Online P&C Insurance Co  (OTCPK:ZZHGF) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

ZhongAn Online P&C Insurance Co Tariff Resilience Score Related Terms

ZZHGF vs CB, PGR, TRV: Tariff Resilience Score Comparison

For the Insurance - Property & Casualty subindustry, ZhongAn Online P&C Insurance Co's Tariff Resilience Score, along with its competitors' market caps and Tariff Resilience Score 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 Tariff Resilience Score vs Insurance Industry

For the Insurance industry and Financial Services sector, ZhongAn Online P&C Insurance Co's Tariff Resilience Score distribution charts can be found below:

* The bar in red indicates where ZhongAn Online P&C Insurance Co's Tariff Resilience Score falls into.


ZZHGF
83GF Score
ZhongAn Online P&C Insurance Co Ltd ZZHGF
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 9 mean?
ZhongAn Online P&C Insurance Co (ZZHGF) has a Tariff Resilience Score of 9 as of Jul. 15, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, ZhongAn Online P&C Insurance Co ranks #2 out of 592 companies in the Insurance industry, placing it in the top 0.3%.
Is ZhongAn Online P&C Insurance Co's Tariff Resilience Score too high?
ZhongAn Online P&C Insurance Co's current Tariff Resilience Score is 9. Based on the distribution chart, ZhongAn Online P&C Insurance Co ranks #2 out of 592 companies in the Insurance industry, which is in the top quartile — a strong position 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 Tariff Resilience Score compare to CB and PGR?
According to the Insurance industry distribution chart, ZhongAn Online P&C Insurance Co ranks #2 out of 592 companies for Tariff Resilience Score. This places ZhongAn Online P&C Insurance Co in the top 0% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Tariff Resilience Score for an Insurance company?
A good Tariff Resilience Score depends on the Insurance industry context. However, Tariff Resilience Score 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. ZhongAn Online P&C Insurance Co's current Tariff Resilience Score is 9. 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 Tariff Resilience Score of 9. The stock's GF Value™ is $2.44, compared to a current price of $1.50 — trading 38.5% below its estimated fair value. The current Tariff Resilience Score is 9. 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 Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For ZhongAn Online P&C Insurance Co (ZZHGF), the current Tariff Resilience Score is 9 as of Jul. 15, 2026. 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 38.5% below its estimated GF Value™ of $2.44.

Key valuation signals for ZZHGF:

  • Tariff Resilience Score: 9
  • GF Value™: $2.44 vs. price of $1.50 (38.5% below fair value)
  • GF Score™: 83/100 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.
83GF Score

Get the complete analysis for ZZHGF

Tariff Resilience Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$1.50
Price
$2.44
GF Value