ZhongAn Online P & C Insurance Co., Ltd. (FRA:1ZO)

FRA:1ZO Statistics

Total Valuation

FRA:1ZO has a market cap or net worth of EUR 2.82 billion. The enterprise value is 4.00 billion.

Market Cap	2.82B
Enterprise Value	4.00B

Important Dates

The next estimated earnings date is Friday, March 20, 2026.

Earnings Date	Mar 20, 2026
Ex-Dividend Date	n/a

Share Statistics

Current Share Class	1.63B
Shares Outstanding	n/a
Shares Change (YoY)	n/a
Shares Change (QoQ)	n/a
Owned by Insiders (%)	n/a
Owned by Institutions (%)	16.30%
Float	1.01B

Valuation Ratios

The trailing PE ratio is 19.55 and the forward PE ratio is 17.81.

PE Ratio	19.55
Forward PE	17.81
PS Ratio	0.71
PB Ratio	1.10
P/TBV Ratio	1.14
P/FCF Ratio	11.04
P/OCF Ratio	7.26
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 15.11, with an EV/FCF ratio of 15.62.

EV / Earnings	27.68
EV / Sales	0.98
EV / EBITDA	15.11
EV / EBIT	16.04
EV / FCF	15.62

Financial Position

The company has a current ratio of 2.00, with a Debt / Equity ratio of 0.50.

Current Ratio	2.00
Quick Ratio	1.87
Debt / Equity	0.50
Debt / EBITDA	4.82
Debt / FCF	5.03
Interest Coverage	5.08

Financial Efficiency

Return on equity (ROE) is 5.82% and return on invested capital (ROIC) is 3.95%.

Return on Equity (ROE)	5.82%
Return on Assets (ROA)	3.06%
Return on Invested Capital (ROIC)	3.95%
Return on Capital Employed (ROCE)	6.78%
Revenue Per Employee	1.82M
Profits Per Employee	65,884
Employee Count	2,395
Asset Turnover	0.78
Inventory Turnover	n/a

Taxes

In the past 12 months, FRA:1ZO has paid 40.38 million in taxes.

Income Tax	40.38M
Effective Tax Rate	21.84%

Stock Price Statistics

The stock price has increased by +11.38% in the last 52 weeks.

Beta (5Y)	n/a
52-Week Price Change	+11.38%
50-Day Moving Average	1.79
200-Day Moving Average	1.76
Relative Strength Index (RSI)	38.09
Average Volume (20 Days)	4

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, FRA:1ZO had revenue of EUR 3.99 billion and earned 144.48 million in profits. Earnings per share was 0.10.

Revenue	3.99B
Gross Profit	498.42M
Operating Income	251.88M
Pretax Income	184.87M
Net Income	144.48M
EBITDA	250.60M
EBIT	251.88M
Earnings Per Share (EPS)	0.10

Balance Sheet

The company has 2.57 billion in cash and 1.29 billion in debt, giving a net cash position of -1.15 billion.

Cash & Cash Equivalents	2.57B
Total Debt	1.29B
Net Cash	-1.15B
Net Cash Per Share	n/a
Equity (Book Value)	2.56B
Book Value Per Share	1.74
Working Capital	1.45B

Cash Flow

In the last 12 months, operating cash flow was 388.93 million and capital expenditures -132.97 million, giving a free cash flow of 255.96 million.

Operating Cash Flow	388.93M
Capital Expenditures	-132.97M
Free Cash Flow	255.96M
FCF Per Share	n/a

Margins

Gross margin is 12.48%, with operating and profit margins of 6.31% and 3.62%.

Gross Margin	12.48%
Operating Margin	6.31%
Pretax Margin	4.63%
Profit Margin	3.62%
EBITDA Margin	6.28%
EBIT Margin	6.31%
FCF Margin	6.41%

Dividends & Yields

FRA:1ZO does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	n/a
Shareholder Yield	n/a
Earnings Yield	5.11%
FCF Yield	9.06%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	6