ZhongAn Online P & C Insurance Co., Ltd. (ZZHGF) Stock Analysis
Educational signal · not a buy or sell recommendation · How to read this
P/E 7.42 means the share price is 7.42 times one year of earnings per share; the S&P 500 usually sits near 20-25. Market cap $2.45B is the value of all shares combined. Beta 0.83: the stock has moved about 17% less than the S&P 500.
For informational purposes only. Not financial advice. Machine-generated analysis by Stock Expert AI — model gpt-4o-mini, generated Jun 14, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief. Data sources: Financial Modeling Prep, Yahoo Finance, SEC EDGAR
Quick AnswerZhongAn Online P & C Insurance Co., Ltd. (ZZHGF) trades at $1.50. ZhongAn Online P & C Insurance Co., Ltd. is a leading Internet-based Insurtech company in China, specializing in property and casualty insurance. Market cap: $2.45B, Sector: Financial services.
Price as of Sep 10, 2026 · Last analyzed: Jun 14, 2026Analyst Coverage for ZZHGF: ZZHGF does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates ZZHGF against Financial Services peers across nine fundamental dimensions and assigns a neutral fundamental signal based on the underlying data.
No score published: this stock trades under $10,000 on a typical day, so the price beside it is not one you could reliably act on.
ZZHGF: 1/2 scored disciplines lean bullish. Dominant signal: Seth Klarman bullish.
How is this calculated? →AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
ZhongAn Online P & C Insurance Co., Ltd. (ZZHGF) Financial Services Profile
ZhongAn Online P & C Insurance Co., Ltd. stands out as a pioneering Insurtech firm in China, offering a comprehensive suite of internet insurance products and innovative technology solutions, positioning itself at the forefront of the rapidly evolving insurance landscape.
What Is the Investment Thesis for ZZHGF?
With a market capitalization of $2.45B and a P/E ratio of 7.42, the company demonstrates solid financial health. The ongoing digital transformation in the insurance industry serves as a significant growth catalyst, allowing ZhongAn to capture a larger market share. The company's diverse revenue streams, including technology services and insurance products, bolster its profitability, evidenced by a profit margin of 3.1%. Furthermore, the company's commitment to expanding its technology capabilities positions it well for future growth. However, potential risks include regulatory challenges and market competition, which could impact its operational performance. Overall, ZhongAn's strategic focus on innovation and technology-driven solutions is expected to drive long-term value creation.
Based on FMP financials and quantitative analysis
ZZHGF Key Highlights
Market capitalization of $2.45B reflects strong investor confidence in the company's growth potential.
- P/E ratio of 7.42 indicates competitive valuation compared to industry peers.
- Profit margin of 3.1% showcases effective cost management and operational efficiency.
- Gross margin of 100.0% highlights the company's unique business model and revenue generation capabilities.
- Beta of 0.83 suggests lower volatility compared to the broader market, appealing to risk-averse investors.
Who Are ZZHGF's Competitors?
ZZHGF is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | MoonshotScore |
|---|---|---|---|---|
| CTIHY China Taiping Insurance Holdings Company Limited | $68.96 | 0.00% | $9.91B | — |
| DIISY Direct Line Insurance Group plc | $18.00 | +15.16% | $5.85B | — |
| TPDNF Topdanmark A/S | $51.22 | 0.00% | $4.72B | — |
| CMGGF Commercial International Bank (Egypt) S.A.E | $2.67 | 0.00% | $8.81B | — |
| AMMHF AMMB Holdings Berhad | $1.25 | 0.00% | $4.15B | — |
| HCI HCI Group, Inc. | $185.49 | -0.59% | $2.37B | 985-pillar |
| SKWD Skyward Specialty Insurance Group, Inc. | $56.30 | -0.09% | $2.28B | 885-pillar |
| SLDE Slide Insurance Holdings, Inc. | $24.45 | -1.05% | $2.86B | 1005-pillar |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are ZZHGF's Key Strengths?
Innovative technology-driven approach to insurance.
- Comprehensive range of insurance products and services.
- Strong market position within the Chinese Insurtech sector.
- Ability to leverage data analytics for risk assessment.
What Are ZZHGF's Weaknesses?
Limited international presence compared to global competitors.
- Dependence on the Chinese market for revenue generation.
- Relatively low profit margin compared to traditional insurers.
- Potential challenges in scaling operations rapidly.
What Could Drive ZZHGF Stock Higher?
Expansion into health technology and biotechnology sectors to capture new market opportunities.
- Continuous development of innovative insurance products tailored to consumer needs.
- Strategic partnerships with technology firms to enhance service offerings and market reach.
- Potential regulatory changes that may favor digital insurance solutions.
- Increasing consumer demand for online insurance products driving growth.
What Are the Key Risks for ZZHGF?
Regulatory challenges that could impact operational flexibility.
- Intense competition from both traditional insurers and emerging Insurtech companies.
- Economic fluctuations affecting consumer spending on insurance products.
- Rapid technological changes requiring continuous adaptation and investment.
What Are the Growth Opportunities for ZZHGF?
- ZhongAn's strong digital platform positions it to capture a significant share of this growing market, leveraging its technological capabilities to enhance customer engagement and streamline operations.
- Growth opportunity 2: Expansion into emerging sectors such as health technology and biotechnology presents substantial growth potential. With rising healthcare costs and an aging population, ZhongAn can develop innovative insurance products tailored to these sectors, tapping into a market expected to grow at a CAGR of 20% over the next five years.
- Growth opportunity 3: The company's foray into online banking and Fintech services offers a promising avenue for revenue diversification. As digital banking continues to gain traction in China, ZhongAn can leverage its existing technology infrastructure to provide seamless financial services, potentially capturing a share of the $1 trillion online banking market by 2026.
- Growth opportunity 4: Strategic partnerships with technology firms can enhance ZhongAn's product offerings and market reach. Collaborations with tech giants in AI and data analytics can improve risk assessment and customer service, positioning ZhongAn as a leader in Insurtech innovation.
- Growth opportunity 5: The increasing demand for personalized insurance solutions provides an opportunity for ZhongAn to tailor its products to meet specific customer needs. By utilizing big data and analytics, the company can develop customized insurance packages, enhancing customer satisfaction and retention.
What Are ZZHGF's Competitive Advantages?
- Strong technological infrastructure enabling efficient service delivery.
- Diverse product offerings catering to various customer segments.
- Established brand recognition in the Chinese Insurtech market.
- Innovative approach to insurance solutions enhancing customer experience.
What Does ZZHGF Do?
ZhongAn Online P & C Insurance Co., Ltd. was founded in 2013 and is headquartered in Shanghai, China. As an Internet-based Insurtech company, it has revolutionized the insurance industry by providing a wide array of internet insurance and insurance information technology services. The company operates through several segments, including Insurance, Technology, Banking, and Others, showcasing its diverse capabilities. ZhongAn offers a comprehensive range of property and casualty insurance products such as accident, bond, health, liability, credit, cargo, household property, motor, and shipping return insurance. Additionally, it provides technology development and consulting, asset management, IT consulting, medical examination services, Internet hospital solutions, biotechnology, pharmacy services, technology training, Fintech, digital asset management, medical insurance, life insurance, online banking, and insurance broking services. The company has positioned itself as a leader in the Chinese insurance market, leveraging its technological expertise to enhance customer experience and streamline operations. With a workforce of 2,395 employees, ZhongAn continues to innovate and expand its offerings, solidifying its status as a key player in the Insurtech sector.
What Products and Services Does ZZHGF Offer?
- Provide a wide range of property and casualty insurance products.
- Offer technology development and consulting services.
- Deliver asset management and IT consulting solutions.
- Facilitate medical examination and Internet hospital services.
- Engage in biotechnology and pharmacy services.
- Provide Fintech and digital asset management solutions.
- Offer life insurance and online banking services.
- Conduct insurance broking services.
How Does ZZHGF Make Money?
- Generate revenue through premium collections from insurance products.
- Earn fees from technology consulting and development services.
- Provide asset management services for a fee.
- Collect commissions from online banking and financial services.
- Generate income through brokerage services in insurance.
What Industry Does ZZHGF Operate In?
The insurance industry, particularly in the property and casualty segment, is undergoing significant transformation driven by technological advancements and changing consumer preferences. The global Insurtech market is expected to grow at a CAGR of 45% from 2021 to 2026, reflecting a shift towards digital solutions in insurance. ZhongAn Online P & C Insurance Co., Ltd. is well-positioned within this landscape, leveraging its technological expertise to meet the evolving needs of consumers in China. The competitive landscape includes established players such as China Taiping Insurance Holdings Company Limited (CTIHY) and Direct Line Insurance Group plc (DIISY), with ZhongAn differentiating itself through its innovative approach and comprehensive product offerings.
Who Are ZZHGF's Key Customers?
- Individual consumers seeking property and casualty insurance.
- Businesses requiring comprehensive insurance coverage.
- Healthcare providers needing medical examination services.
- Financial institutions looking for technology solutions.
- Online users seeking digital insurance products.
Research confidence
Enough evidence to be useful, with gaps worth knowing about.
- ● Scoring coverage unknown
- ● Price is current
- ● Latest filing 73 days ago
- ● No analyst coverage
MoonshotScore History
Recorded daily since 2026-08-23 · 19 snapshots
| 2026-08-23 | 52 |
| 2026-08-26 | 52 |
| 2026-08-29 | 52 |
| 2026-09-01 | 52 |
| 2026-09-04 | 52 |
| 2026-09-07 | 52 |
| 2026-09-10 | 52 |
What changed?
The score has stayed at 52.
Over the same 18 days the stock moved +0.0%.
ZhongAn Online P & C Insurance Co., Ltd. Financial Trajectory
ZhongAn Online P & C Insurance Co., Ltd. (ZZHGF) reported $18.02B in revenue for Q2 FY2026, a decline of 5.5% compared to the prior quarter. The company recorded net income of $1.55B, with diluted EPS of $0.92. Quarter-over-quarter revenue has been mixed, typical for a unknown company operating in Financial Services. Across the four most recent quarters, ZZHGF averaged $0.50 in diluted EPS.
Company Profile
ZhongAn Online P & C Insurance Co., Ltd. operates in the Insurance - Property & Casualty industry within the Financial Services sector. It is headquartered in Shanghai, CN. The company is led by CEO Jiang Xing. ZZHGF has traded publicly since 2017.
How ZhongAn Online P & C Insurance Co., Ltd. Is Valued
ZhongAn Online P & C Insurance Co., Ltd. carries a market capitalization of $2.45B, placing it in the mid-cap category.
Key Financial Metrics
Return on equity for ZhongAn Online P & C Insurance Co., Ltd. stands at 7.5%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 4.1%, showing how much profit it generates from its asset base. ZZHGF trades at a trailing price-to-earnings ratio of 7.42, below the Financial Services sector average of ~17.50x. Its free cash flow yield is 16.0%, a gauge of the cash the business throws off relative to its market value. Its earnings yield is 11.8%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
ZhongAn Online P & C Insurance Co., Ltd.'s Piotroski F-Score is 7/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of 4.59 places it in the safe zone, indicating low near-term bankruptcy risk.
Earnings Track Record
ZhongAn Online P & C Insurance Co., Ltd. has beaten Wall Street's EPS estimate in 2 of its last 4 reported quarters — more hits than misses. Reported results have landed about 100.2% above estimates on average.
ZZHGF Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Innovative technology-driven approach to insurance.
- Comprehensive range of insurance products and services.
- Strong market position within the Chinese Insurtech sector.
- Ability to leverage data analytics for risk assessment.
Bear Case
- Limited international presence compared to global competitors.
- Dependence on the Chinese market for revenue generation.
- Relatively low profit margin compared to traditional insurers.
- Potential challenges in scaling operations rapidly.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · June 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 FY2026 | CN¥18.02B | CN¥1.55B | CN¥0.92 |
| Q4 FY2025 | CN¥19.07B | CN¥406M | CN¥0.25 |
| Q2 FY2025 | CN¥15.77B | CN¥668M | CN¥0.46 |
| Q4 FY2024 | CN¥17.82B | CN¥548M | CN¥0.38 |
Q2 FY2026 · filed 30 Jun 2026 · Financial Modeling Prep
Based on FMP financials and quantitative analysis · Reported in CNY
ZZHGF Latest News
-
ZhongAn Online P&C Insurance Co Ltd (ZZHGY) (H1 2026) Earnings Call Highlights: Net Profit ...
Yahoo! Finance: ZZHGF News · Aug 25, 2026
-
ZhongAn Online P & C Insurance Co., Ltd. (ZZHGF) Q2 2026 Earnings Call Transcript
seekingalpha.com · Aug 25, 2026
-
Comparing ZhongAn Online P & C Insurance (OTCMKTS:ZZHGF) & CNA Financial (NYSE:CNA)
defenseworld.net · Aug 14, 2026
-
Stocks That Hit 52-Week Lows On Thursday
· Dec 19, 2019
ZZHGF Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations collected by Financial Modeling Prep for ZZHGF.
Price Targets
Wall Street price target analysis for ZZHGF.
ZZHGF MoonshotScore
MoonshotScore is Stock Expert AI's proprietary 0-100 research rating, not a buy or sell recommendation. No MoonshotScore is published for ZZHGF; grades run from A+ (80-100) to F (below 30).
Latest News
ZhongAn Online P&C Insurance Co Ltd (ZZHGY) (H1 2026) Earnings Call Highlights: Net Profit ...
ZhongAn Online P & C Insurance Co., Ltd. (ZZHGF) Q2 2026 Earnings Call Transcript
Comparing ZhongAn Online P & C Insurance (OTCMKTS:ZZHGF) & CNA Financial (NYSE:CNA)
Stocks That Hit 52-Week Lows On Thursday
Leadership: Jiang Xing
CEO
Jiang Xing has been instrumental in leading ZhongAn Online P & C Insurance Co., Ltd. since its inception in 2013. With a strong background in technology and finance, he has overseen the company's growth and innovation in the Insurtech space. Jiang holds a degree in Computer Science and has previously worked in various leadership roles within the financial services sector, focusing on leveraging technology to enhance customer experiences.
Track Record: Under Jiang Xing's leadership, ZhongAn has achieved significant milestones, including the successful launch of numerous insurance products and the development of a robust technology platform. His strategic vision has positioned the company as a leader in the Chinese Insurtech market, driving growth and innovation.
ZZHGF OTC Market Information
The OTC Other tier includes companies that do not meet the listing requirements for higher tiers like NYSE or NASDAQ. This tier typically has less stringent reporting requirements, which can lead to less transparency and liquidity compared to those exchanges.
- OTC Tier: OTC Other
- Lower transparency and reporting standards compared to major exchanges.
- Potential for higher volatility due to lower trading volumes.
- Limited analyst coverage may result in less market information.
- Regulatory risks associated with OTC trading.
- Review recent financial statements and performance metrics.
- Assess the company's competitive positioning and market trends.
- Evaluate management's track record and strategic vision.
- Investigate regulatory compliance and potential challenges.
- Consider liquidity and trading volume before investing.
- Established presence in the Chinese insurance market since 2013.
- Diverse range of products and services demonstrating business viability.
- Positive market recognition as a leading Insurtech company.
- Strong technological infrastructure supporting operations.
ZhongAn Online P & C Insurance Co., Ltd. Financial Services Stock: Key Questions Answered
Is ZZHGF a good stock?
Stock Expert AI does not rate ZZHGF buy, sell or hold. ZhongAn Online P & C Insurance Co., Ltd. has no MoonshotScore yet; read the financial checkup, analyst consensus and risks directly. Whether it fits is your call: check what it sells, whether it earns, what the price assumes, and what would prove you wrong.
What does ZhongAn Online P & C Insurance Co., Ltd. do?
ZhongAn Online P & C Insurance Co., Ltd. is an Internet-based Insurtech company that provides a wide range of insurance products and services in China.
What are the key factors to evaluate for ZZHGF?
Evaluate ZZHGF on fundamentals, analyst consensus, and risk factors. P/E: 7.42x vs the S&P 500's ~20-25x. With a market capitalization of $2.45B and a P/E ratio of 7.42, the company demonstrates solid financial health. Not financial advice.
How frequently does ZZHGF data refresh on this page?
ZZHGF's price was last updated on Sep 10, 2026 and refreshes on page view during U.S. market hours; the quote is a provider snapshot, not an exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven ZZHGF's recent stock price performance?
ZhongAn Online P & C Insurance Co., Ltd. (ZZHGF) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Innovative technology-driven approach to insurance. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider ZZHGF overvalued or undervalued right now?
ZhongAn Online P & C Insurance Co., Ltd. (ZZHGF) trades at 7.42x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Can I buy fractional shares of ZZHGF?
Yes, most major brokerages offer fractional shares of ZhongAn Online P & C Insurance Co., Ltd. (ZZHGF) with no minimum purchase requirement. This means you can invest any dollar amount regardless of the share price. Check your brokerage platform for specific terms, fees, and fractional share availability.
How can I track ZZHGF's earnings and financial reports?
ZhongAn Online P & C Insurance Co., Ltd. (ZZHGF) reports quarterly earnings approximately 4-6 weeks after each fiscal quarter ends. You can track earnings dates, revenue and EPS estimates, and actual results on this page's Financials tab. Earnings surprises (beats or misses) often cause significant short-term price moves. Your brokerage can send alerts for ZZHGF earnings announcements.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Data sourced from company filings and market analysis reports.