ZhongAn Online P & C Insurance Co., Ltd.
ZhongAn Online P & C Insurance Co., Ltd. Fundamental Analysis
ZhongAn Online P & C Insurance Co., Ltd. (ZZHGY) shows moderate financial fundamentals with a PE ratio of 21.00, profit margin of 3.11%, and ROE of 4.65%. The company generates $34.1B in annual revenue with strong year-over-year growth of 15.36%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 40.9/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze ZZHGY's fundamental strength across five key dimensions:
Efficiency Score
WeakZZHGY struggles to generate sufficient returns from assets.
Valuation Score
ExcellentZZHGY trades at attractive valuation levels.
Growth Score
ModerateZZHGY shows steady but slowing expansion.
Financial Health Score
ModerateZZHGY shows balanced financial health with some risks.
Profitability Score
WeakZZHGY struggles to sustain strong margins.
Key Financial Metrics
Is ZZHGY Expensive or Cheap?
P/E Ratio
ZZHGY trades at 21.00 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, ZZHGY's PEG of -0.20 indicates potential undervaluation.
Price to Book
The market values ZhongAn Online P & C Insurance Co., Ltd. at 0.90 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 16.80 times EBITDA. This signals the market has high growth expectations.
How Well Does ZZHGY Make Money?
Net Profit Margin
For every $100 in sales, ZhongAn Online P & C Insurance Co., Ltd. keeps $3.11 as profit after all expenses.
Operating Margin
Core operations generate 40.48 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $4.65 in profit for every $100 of shareholder equity.
ROA
ZhongAn Online P & C Insurance Co., Ltd. generates $2.31 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
ZhongAn Online P & C Insurance Co., Ltd. generates limited operating cash flow of $2.70B, signaling weaker underlying cash strength.
Free Cash Flow
ZhongAn Online P & C Insurance Co., Ltd. produces free cash flow of $2.12B, offering steady but limited capital for shareholder returns and expansion.
FCF Per Share
Each share generates $1.30 in free cash annually.
FCF Yield
ZZHGY converts 9.82% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
21.003
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-0.20
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.90
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.63
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.34
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.05
vs 25 benchmark
ROA
Return on assets percentage
0.02
vs 25 benchmark
ROCE
Return on capital employed
0.30
vs 25 benchmark
How ZZHGY Stacks Against Its Sector Peers
| Metric | ZZHGY Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 21.00 | 18.59 | Worse (Expensive) |
| ROE | 4.65% | 801.00% | Weak |
| Net Margin | 3.11% | -498.00% (disorted) | Weak |
| Debt/Equity | 0.34 | 0.98 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 661.40 | Weak Liquidity |
| ROA | 2.31% | -21324.00% (disorted) | Weak |
ZZHGY outperforms its industry in 1 out of 6 key metrics, but lagging in P/E Ratio.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews ZhongAn Online P & C Insurance Co., Ltd.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
123.71%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
194.36%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
262.72%
Industry Style: Value, Dividend, Cyclical
High Growth