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Stock Ratings / Financials / ZBAO / dividends
EZRA (24) EHTH (41) CCG (55) HUIZ (70) ⌘ Pro Terminal β†’

Zhibao Technology Inc. (Class A) (ZBAO) Dividend Safety Gauge & 10-Year DRIP Compounder

$0.26 +1.92% NASDAQ β€’ Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $0.26

Zhibao Technology Inc. (Class A) (ZBAO) carries a Roarable Rating of E (Strong Sell) with 27/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE E β€’ RED ALERT Cap $2.4M
πŸ“€ Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚑ INSTANT AI QUANT PREVIEW β€’ $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on ZBAO Below β€” or Connect Your Own ChatGPT / Claude
πŸ€– Mara Quenwick β€’ AI Quant Lead (Click for Instant Brief) Is ZBAO stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
β–Ό

As of 2026-11-03, Zhibao Technology Inc. (Class A) (NASDAQ: ZBAO) is rated E (Strong Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 27/100 at a spot price of $0.26 (+1.92% 1D, market cap $2.4M). Pillar breakdown: Fundamental Cash Engine 6/20, Institutional 13F & Options Flow 3/20, SEC Balance-Sheet Forensics 8/20, FRED Macro Regime Fit 7/20, and Executive Insider Alignment 3/20. Across 1097 tracked Financials issuers, ZBAO ranks #1049 in composite RQD confidence.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Ellis Vennor β€’ AI Peer & Flow Quant (Click for Instant Brief) How does ZBAO compare to EZRA and EHTH in the Financials sector?
β–Ό

Within the Financials sector (Specialty Insurers), ZBAO carries a Roarable E (27/100 RQD), trailing P/E of N/A, gross margin of β€”, and ROIC of -35.0%. By comparison, EZRA (Reliance Global Group Inc.) holds a E grade (24/100 RQD, P/E N/A, ROIC -35.0%, cap $3.4M) and EHTH (eHealth Inc.) posts a D- grade (41/100 RQD, P/E N/A, ROIC 8.3%, cap $15.8M). Among the 5-stock peer group, HUIZ leads on earnings multiple (39.0x) while EHTH leads on capital efficiency (8.3% ROIC).

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Gideon Ashmere β€’ AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for ZBAO?
β–Ό

Per ZBAO's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-06-30, CIK 0001966750), Zhibao Technology Inc. (Class A) generated $38.7M in revenue (+53.0% YoY), -$8.7M in net income, and -$2.9M in free cash flow against $40.5M in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists β€” not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
πŸ›‘οΈ Portfolio Crash X-Ray
EXT / AFTER-HRS: $0.26 (+0.16%)🧬 Dilution Drag (+1.28% YoY Shares)βš™οΈ Cash Engine: 6/20 (E) β€’ 0% FCF Margin
Verify 90D Bucket Audit β†’
πŸ“Š Historical Track Record Warning: Scores below 50 (27/100 Β· E) historically underperformed SPY in 71% of rolling 90-day windows (-10.3% avg 90D alpha vs SPY β€’ 29.0% hit rate).
Audit Bucket Track Record β†’
RQD QUANT TACHOMETERRED ALERT β€’ E
025507510027
3-of-3 Quant Analysts Bearish Warning
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) β€” not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw E Β· Rk D-
Cash (6)Whales (3)SEC (8)Macro (7)CEO (3)
Each axis scored 0–20
12M PRICE TARGET CONE-15.4% Base Target
$70 Bull$0 Base$0 Bear
πŸ“¬ FREE ZBAO RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: β€” (No Active Options Snapshot on file for ZBAO)Realized 20D OHLCV Swing Band: Β±12.5%
Deterministic 5-Pillar Attribution (27/100 Composite)
πŸ” WHY ZBAO SCORES 27/100 (E) β€” TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
β–² #1 Bullish Driver: SEC 10-K Forensic Risk+8/20 pts (30% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) β€’ Piotroski F-Score 2/9

β–² #2 Bullish Driver: Macro Regime Fit+7/20 pts (26% of score)

FRED Regime Γ— Technicals: 2% of 52W Range β€’ RSI-14 at 18.7 (OVERSOLD (<32))

β–Ό #1 Drag / Risk Factor: Insider Conviction & Share Dilution4/20 pts (-16 pt drag)

Dilution Drag (+1.28% YoY Shares) & executive Form 4 sales trim 16 pts from alignment

πŸ“ˆ PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 β†’ Q2 β†’ Q3 β†’ Current
Q1 (-3Q)
35
Grade E$1.89-72% Next Q
Q2 (-2Q)
32
Grade E$0.53-37.7% Next Q
Q3 (-1Q)
30
Grade E$0.33-21.2% Next Q
Current
27
Grade E$0.26-10.3% Hist 90D Ξ±
Trajectory: E (35) β†’ E (27)Full Audit β†’
βš”οΈ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

βš”οΈ Adversarial Opposing Case: What Could Spark a ZBAO Turnaround Squeeze

Gideon Ashmere Forensic Desk β†’

While ZBAO currently carries a cautious 27/100 (E) rating due to Insider Conviction & Share Dilution (4/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

πŸš€ Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

πŸš€ Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($4.29) and Max Pain ($0.27) forces dealer call-delta covering toward $70.35.

πŸš€ Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Dilution Drag (+1.28% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $ZBAOβ€’ $2.4M Crowd Pool β€’ Kalshi / Polymarket Composite
Contract: β€œZBAO Beats Next Quarter EPS Consensus (Dec 28, 2026) & Holds Above 200D SMA”
YES 27%NO 73%Trade / Inspect Odds β†’
CASH DIVIDEND + BUYBACK YIELD
1.8% Total Yield
0% Cash ($0.00/yr) + 1.8% Buybacks
PAYOUT SAFETY SPEEDOMETER
74/100 β€’ REINVESTING IN GROWTH + BUYBACKS
FREE CASH FLOW PAYOUT RATIO
0% (100% Reinvested)
Retains cash flow for R&D and share repurchases
INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (16.3% EST. ANNUAL)

$10,000 Compounded Over 10 Years β†’ $45,269

Est. Year-10 Shareholder Yield: $815/yr
$11.6K
Yr 1
$13.5K
Yr 2
$15.7K
Yr 3
$18.3K
Yr 4
$21.3K
Yr 5
$24.7K
Yr 6
$28.8K
Yr 7
$33.5K
Yr 8
$38.9K
Yr 9
$45.3K
Yr 10
ON-DEMAND RQD QUANT WORKSHOP β€’ SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring ZBAO)

  • βœ“Walkthrough of ZBAO's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • βœ“3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • βœ“Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
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ZBAO // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -99.25%πŸ›‘οΈ HOLDING TREND SUPPORT
2026-11-03O $0.30H $0.30L $0.26C $0.26VOL 273.8K
SUP: $0.05SMA50: $4.29SMA200: $25.66
$60.97$44.52$28.06$11.60$-4.86SUP $0.05$0.262026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

ZBAO Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

πŸ¦‹ ZBAO Butterfly Map β†’ + Track ZBAO β†’
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
8.0%/yr Implied 5Y Growth

vs. +53.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on ZBAO today. View full Setup Ledger β†’

πŸ¦‹ Documented & Second-Order Butterfly Connections Open Graph β†’

No direct multi-tier Butterfly edges indexed yet for ZBAO. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for ZBAO today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk β†’
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT β€’ SEC EDGAR XBRL Γ— RQD PEER BENCHMARK

πŸ“Š Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (ZBAO)

Financials Rank #1049 of 1097 βš”οΈ EZRA vs ZBAO Full Matrix β†’

1. Head-to-Head Financials Peer Comparison (ZBAO vs. EZRA, EHTH, CCG, HUIZ)

Industry: Specialty Insurers (33 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Zhibao Technology Inc. (Class A) (ZBAO) ranks #1049 by composite RQD confidence (27/100, grade E) and #1089 by equity capitalization ($2.4M). Within this direct 5-issuer industry benchmark cohort, HUIZ leads on earnings valuation at 39.0x trailing P/E, while EHTH leads on capital efficiency and profitability with 8.3% ROIC and β€” gross margin. HUIZ currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with ZBAO at 27/100 (E).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
ZBAO ACTIVE
Zhibao Technology Inc. (Class A)
E 27/100 β€” β€” -35.0% +1.92% $2.4M Benchmark Subject
EZRA
Reliance Global Group Inc.
E 24/100 β€” β€” -35.0% +6.83% $3.4M /ezra-vs-zbao β†’
EHTH
eHealth Inc.
D- 41/100 β€” β€” 8.3% +2.60% $15.8M /ehth-vs-zbao β†’
CCG
Cheche Group Inc. (Class A)
D+ 55/100 β€” β€” β€” +0.28% $17.9M /ccg-vs-zbao β†’
HUIZ
Huize Holding Limited
B- 70/100 39.0x β€” 3.1% -3.11% $22.7M /huiz-vs-zbao β†’

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2024–FY2025)

SEC EDGAR 10-K β€’ FILED 2025-06-30 β€’ CIK 0001966750 β†—

In its most recent audited fiscal period (FY2025, filed 2025-06-30), Zhibao Technology Inc. (Class A) (ZBAO) reported GAAP revenue of $38.7M (+53.0% vs. FY2024 revenue of $25.3M ) , GAAP net income of -$8.7M, operating cash flow of -$2.9M, and free cash flow of -$2.9M (-413.4% YoY). On the balance sheet, ZBAO closed FY2025 with $40.5M in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 2/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-06-30 $38.7M -$8.7M -$2.9M -$2.9M $40.5M β€”
FY2024 (FY) 2024-06-30 $25.3M $1.8M -$524.2K -$562.2K $43.2M β€”

3. ZBAO Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

βœ“ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is ZBAO stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Zhibao Technology Inc. (Class A) (NASDAQ: ZBAO) is rated E (Strong Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 27/100 at a spot price of $0.26 (+1.92% 1D, market cap $2.4M). Pillar breakdown: Fundamental Cash Engine 6/20, Institutional 13F & Options Flow 3/20, SEC Balance-Sheet Forensics 8/20, FRED Macro Regime Fit 7/20, and Executive Insider Alignment 3/20. Across 1097 tracked Financials issuers, ZBAO ranks #1049 in composite RQD confidence.

How does ZBAO compare to EZRA and EHTH in the Financials sector?

Within the Financials sector (Specialty Insurers), ZBAO carries a Roarable E (27/100 RQD), trailing P/E of N/A, gross margin of β€”, and ROIC of -35.0%. By comparison, EZRA (Reliance Global Group Inc.) holds a E grade (24/100 RQD, P/E N/A, ROIC -35.0%, cap $3.4M) and EHTH (eHealth Inc.) posts a D- grade (41/100 RQD, P/E N/A, ROIC 8.3%, cap $15.8M). Among the 5-stock peer group, HUIZ leads on earnings multiple (39.0x) while EHTH leads on capital efficiency (8.3% ROIC).

What are the biggest fundamental strengths and SEC risk factors for ZBAO?

Per ZBAO's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-06-30, CIK 0001966750), Zhibao Technology Inc. (Class A) generated $38.7M in revenue (+53.0% YoY), -$8.7M in net income, and -$2.9M in free cash flow against $40.5M in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

Where is ZBAO trading relative to its 50-day, 200-day, and 52-week technical levels?

ZBAO last traded at $0.26 (+1.92% on volume of 115,379 shares), positioning the stock -93.94% below its 50-day simple moving average ($4.29) and -98.99% below its 200-day simple moving average ($25.66). Across its 52-week range of $0.25 to $67.00, ZBAO sits at the 0.0% percentile with a 14-day RSI of 18.7 (OVERSOLD (<32)) and an implied next-earnings move of Β±12.5% ($1.00 to $0.29).

Direct Sub-Reports: ZBAO RQD Cockpit ZBAO 12M Forecast ZBAO Earnings & Move ZBAO Dividends & DRIP ZBAO Insiders & 13F ZBAO Whale Options ZBAO Profit Sankey ZBAO News & Why
ROARABLE RATING BRIEF β€’ RQD 27/100 (E) βœ“ SEC XBRL & RQD VERIFIED

ZBAO β€” Zhibao Technology Inc. (Class A): What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-06-30

1. Roarable Rating Brief: What This Means to a Prospective Investor

Zhibao Technology Inc. (Class A) (ZBAO) earns a live Roarable RQD composite score of 27/100, corresponding to a E letter grade (Roarable Strong Sell) at a spot price of $0.26 (+1.92% 1D, market capitalization $2.4M).

  • Fundamental Cash Engine (6/20): Anchored by return on invested capital (ROIC) of -35.0%, gross margin of β€”, operating margin of -19.3%, and free cash flow yield of β€”.
  • Whale 13F & Options Flow (3/20) + Insider Conviction (3/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (7/20) + Forensic Balance Sheet (8/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 2/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Zhibao Technology Inc. (Class A) trades on NASDAQ under ticker ZBAO and is classified in the Financials sector, Specialty Insurers industry, and profile sections. The profile reports a market capitalization of $0.0B. β€” for product detail, customer base, or revenue mix. β€” for the specific mechanics by which the company earns revenue.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-06-30), Zhibao Technology Inc. (Class A) (ZBAO) reported $38.7M in annual revenue (up from $25.3M in FY2024, +53.0% YoY) and -$8.7M in GAAP net income. Over the multi-year SEC filing window from FY2024 ($25.3M revenue, $1.8M net income) through FY2025, ZBAO scaled operating cash flow to -$2.9M and free cash flow to -$2.9M, backed by $40.5M in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • πŸ‚ Primary Bull Case (E β€’ RQD 27/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of β€” and institutional whale pillar of 3/20. With Fundamental Cash Engine at 6/20 and Institutional Whale Flow at 3/20, sustained execution supports upside toward the upper end of the $0.25 – $67.00 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh current valuation against -19.3% operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

β€” for upstream or downstream dependencies, sector correlations, or second-order bottlenecks. Investors should note that the absence of mapped links means the source data cannot identify ripple channels.

  • Key Question #1: Can ZBAO sustain or expand its -19.3% operating margin and -35.0% ROIC against Specialty Insurers peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $38.7M and free cash flow of -$2.9M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is ZBAO's equity valuation to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

ZBAO Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Zhibao Technology Inc. (Class A) (ZBAO) β€’ Click "Debate This Headline" to argue it in the Roar Pit below

πŸ’¬ Jump to ZBAO Debate Forum (3) ↓
πŸ”₯ THE ROAR PIT β€’ LIVE COMMUNITY DEBATE 3 Active Posts & Replies

ZBAO Bull vs. Bear Conversation Board β€” What's Your Call at $0.26?

πŸ‚ 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON ZBAO 🐻 33% BEARISH CONVICTION
1. Pick Your Side on ZBAO:
πŸ’‘ Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
DE DeltaGamma_99 RQD DEBATE OPENER β€’ Options Flow Specialist πŸ‚ BULLISH 🎯 Target: $0.33 (+26.9%)
πŸ“Œ Pinned Debate

Revenue grew from $25.3M to $38.7M between the two reported periods, indicating top-line expansion.

Picked up a starter position in ZBAO in my $100K Virtual Cash book at $0.26. Revenue grew from $25.3M to $38.7M between the two reported periods, indicating top-line expansion.. Trading inside a $0.25–$67.00 52-week range with 0.0% FCF yield gives solid downside support if Specialty Insurers multiples expand this quarter.

EarningsSniper πŸ‚ BULL

Both sides have a point here β€” ZBAO's 8/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

RI RiskArb_Desk RQD DEBATE OPENER β€’ Hedged Event Driven 🐻 BEARISH 🎯 Target: $0.20 (-23.1%)
Spot @ $0.26

ROIC of -35% and a 0% FCF yield indicate the business is destroying capital and not generating free cash flow.

Here is the bear case nobody on the bull side wants to address on ZBAO: ROIC of -35% and a 0% FCF yield indicate the business is destroying capital and not generating free cash flow.. At current EV/EBITDA multiples, even a small guidance miss in Specialty Insurers triggers a 12-15% air pocket.

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