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ZhongAn Online P & C Insurance Co., Ltd. (ZZHGF)

USD1.50 +0.00 (+0.00%)
CN OTC Financial Services Insurance - Property & Casualty
Address 219 Yuanmingyuan Road
Shanghai, CN
CEO Jiang Xing
IPO 2017-12-28
ISIN CNE100002QY7

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Also trades on Hong Kong Stock Exchange · 6060.HK (HKD) Other OTC · ZZHGF (USD) Other OTC · ZZHGY (USD) Vienna Stock Exchange · 1ZO.VI (EUR)
Description

ZhongAn Online P & C Insurance Co., Ltd. is an innovative Insurtech enterprise, predominantly operating online, that delivers digital insurance products and specialized information technology services for the insurance industry throughout the People's Republic of China. The company's business activities are structured across four primary divisions: Insurance, Technology, Banking, and other supplementary ventures. It offers a comprehensive portfolio of property and casualty insurance policies, encompassing coverage for accidents, bonds, health, liabilities, credit, cargo, household property, and motor vehicles, alongside specialized shipping return insurance. In addition to its core insurance offerings, ZhongAn extends its services into various other sectors. These include technology development and advisory, asset management, IT consulting, medical examinations, operating an Internet hospital, biotechnology, pharmaceutical services, technology training, Fintech solutions, digital asset management, general medical services, life insurance, online banking, and insurance brokerage. Established in 2013, the company's corporate headquarters are situated in Shanghai, China.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD1.50 +0.00 (+0.00%)
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Volume Profile
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Liquidity & share structure
Average Volume
13
Beta
0.87
Float Shares
1.03B
Free Float %
62.8%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% +0.00% +0.00% +0.00% +0.00% +0.00% +0.00% -39.76% -71.96% -83.15% -83.15%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
1.50
DCF (Unlevered) 33.90 +2,160.3%
DCF (Levered) 263.77 +17,484.8%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Quality scores
Altman Z-Score
4.14
Safe zone
Piotroski F-Score
7 / 9
Strong
MOAT Score
5 / 10
Developing
Operational MOAT
✗ Below peers
  • Revenue growth Insurance - Property & Casualty: +14.1%
    +3.3% Q4'25: +24.9% (vs Q4'23)
  • EPS growth Insurance - Property & Casualty: +27.5%
    +70.7% Q4'25: -90.5% (vs Q4'23)
  • FCF margin FCF growth · Insurance - Property & Casualty: +25.6%
    +10.8% Q4'25: +8.3% (vs Q4'23)
  • EBIT margin Insurance - Property & Casualty: +16.3%
    +5.1% Q4'25: +4.5% (vs Q4'23)
  • ROIC Insurance - Property & Casualty: +7.9%
    +4.2% Q4'25: +6.7% (vs Q4'23)
  • Share dilution Insurance - Property & Casualty: +0.4%
    -85.3% Q4'25: -85.3% (vs Q4'23)
  • Debt / EBITDA Net debt/EBITDA · Insurance - Property & Casualty: -0.10×
    4.13× Q4'25: 2.09× (vs Q4'23)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.83) × ERP
WACC = 20% × Ke + 80% × Kd (4.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 33.90 Current price: 1.50
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2017
actual
Dec 2018
actual
Dec 2019
actual
Dec 2020
actual
Dec 2021
actual
Dec 2022
actual
Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Dec 2026
7 Rev. Ana.
1 EPS Ana.
Dec 2027
7 Rev. Ana.
1 EPS Ana.
Dec 2028
4 Rev. Ana.
1 EPS Ana.
Revenue
5.39B
est: 5.69B (-5.2%)
9.55B
est: 10.71B (-10.8%)
15.05B
est: 14.02B (+7.4%)
18.37B
est: 17.38B (+5.7%)
21.94B
est: 20.82B (+5.4%)
22.64B
est: 23.45B (-3.5%)
29.23B
est: 31.41B (-6.9%)
33.73B
est: 32.49B (+3.8%)
34.85B
est: 34.83B (+0.1%)
36.21B
33.80B – 38.73B
+4.0% YoY
39.34B
36.84B – 41.77B
+8.6% YoY
43.46B
40.64B – 46.31B
+10.5% YoY
EBITDA
-924.89M
est: 186.05M (-597.1%)
-1.65B
est: 350.07M (-572.5%)
-132.23M
est: 458.56M (-128.8%)
est: 568.26M (-100.0%)
1.40B
est: 680.83M (+105.0%)
est: 739.36M (-100.0%)
4.83B
est: 1.67B (+189.4%)
1.63B
est: 2.55B (-36.0%)
2.07B
est: 2.73B (-24.1%)
2.84B
2.65B – 3.04B
+4.0% YoY
3.08B
2.89B – 3.28B
+8.6% YoY
3.41B
3.19B – 3.63B
+10.5% YoY
EBIT
-998.05M
est: 96.36M (-1,135.7%)
-1.77B
est: 181.31M (-1,074.5%)
-499.74M
est: 237.50M (-310.4%)
est: 294.32M (-100.0%)
1.22B
est: 352.62M (+245.3%)
est: 369.90M (-100.0%)
4.47B
est: 1.24B (+262.0%)
1.30B
est: 2.29B (-43.1%)
1.77B
est: 2.45B (-27.8%)
2.55B
2.38B – 2.73B
+4.0% YoY
2.77B
2.59B – 2.94B
+8.6% YoY
3.06B
2.86B – 3.26B
+10.5% YoY
Net Income
-997.25M
est: -581.13M (-71.6%)
-1.74B
est: -1.55B (-12.2%)
-638.65M
est: -496.81M (-28.5%)
553.79M
est: 676.22M (-18.1%)
757.10M
est: 967.33M (-21.7%)
-1.11B
est: -1.27B (+12.4%)
4.08B
est: 361.46M (+1,028.2%)
603.46M
est: 85.96M (+602.0%)
1.07B
est: 142.18M (+654.8%)
178.49M
163.42M – 193.70M
+25.5% YoY
199.21M
182.38M – 216.18M
+11.6% YoY
224.06M
205.13M – 243.14M
+12.5% YoY
SGA
2.06B
est: 1.53B (+34.8%)
3.39B
est: 2.88B (+17.9%)
3.97B
est: 3.77B (+5.4%)
7.00B
est: 4.67B (+49.7%)
5.34B
est: 5.60B (-4.7%)
3.36B
est: 6.30B (-46.6%)
7.60B
est: 8.12B (-6.4%)
7.13B
est: 7.10B (+0.4%)
7.97B
est: 7.61B (+4.8%)
7.91B
7.38B – 8.46B
+4.0% YoY
8.59B
8.05B – 9.12B
+8.6% YoY
9.49B
8.87B – 10.11B
+10.5% YoY
EPS
-0.77
est: -0.40 (-94.7%)
-1.19
est: -1.06 (-12.5%)
-0.43
est: -0.34 (-27.2%)
0.38
est: 0.46 (-17.4%)
0.52
est: 0.66 (-21.0%)
-0.76
est: -0.86 (+12.0%)
2.77
est: 0.25 (+1,026.4%)
0.41
est: 0.40 (+3.2%)
0.70
est: 0.66 (+6.6%)
0.82
0.76 – 0.89
+25.5% YoY
0.92
0.84 – 1.00
+11.6% YoY
1.04
0.95 – 1.12
+12.5% YoY

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
3.61B
OE per share TTM
9.09
Owner's Yield
1,112.11%
Maintenance CapEx ratio
7.08%
Maint CapEx / Avg PPE
2.4%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
738.7K
Shares Outstanding
1.63B

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Jiang Xing Chief Executive Officer, GM & Executive Director 749.2K male
Gaofeng Li Vice GM, Chief Investment Officer & Executive Director 620.3K male
Lin Zhang Head of Capital Markets & Investor Relations
Liqun Han Assistant General Manager male
Min Wang Executive Vice GM & Secretary of the Board of Directors male
Ruixian Sun Chief Financial Officer male
Wayne Xu Deputy General Manager
Yang Yu Assistant General Manager male
Yongbo Zhang Deputy GM, Chief Legal Officer, Chief Risk Management Officer & Compliance Director male
Hai Lin Chief Actuary male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend history

Earnings history

Earnings reports

Stock splits