ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is ZhongAn Online P&C Insurance Co., Ltd. ?
1
Weak Long Term Fundamental Strength with an average Return on Equity (ROE) of 7.21%
- Poor long term growth as Operating profit has grown by an annual rate of 195.23%
2
Flat results in Dec 25
- NO KEY NEGATIVE TRIGGERS
3
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -12.00% returns in the last 1 year, the stock has also underperformed Hang Seng Hong Kong in each of the last 3 annual periods
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Insurance)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is ZhongAn Online P&C Insurance Co., Ltd. for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
ZhongAn Online P&C Insurance Co., Ltd.
-12.0%
-0.31
58.87%
Hang Seng Hong Kong
8.76%
0.45
19.63%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
14.39%
EBIT Growth (5y)
195.23%
EBIT to Interest (avg)
-0.02
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
25.48%
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0.41%
ROE (avg)
7.21%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
4
Industry P/E
Price to Book Value
1.01
EV to EBIT
33504.21
EV to EBITDA
98.13
EV to Capital Employed
1.01
EV to Sales
0.92
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
ROE (Latest)
23.71%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend7What is working for the Company
INTEREST COVERAGE RATIO(Q)
The company hardly has any interest cost
RAW MATERIAL COST(Y)
Fallen by 0% (YoY
DEBT-EQUITY RATIO
(HY)
Lowest at 20.3 %
NET SALES(Q)
Highest at HKD 21,589.23 MM
PRE-TAX PROFIT(Q)
At HKD 1,681.85 MM has Grown at 76.82%
NET PROFIT(Q)
At HKD 939.93 MM has Grown at 56.15%
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for ZhongAn Online P&C Insurance Co., Ltd.
Net Sales
Highest at HKD 21,589.23 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (HKD MM)
Pre-Tax Profit
At HKD 1,681.85 MM has Grown at 76.82%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (HKD MM)
Net Profit
At HKD 939.93 MM has Grown at 56.15%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (HKD MM)
Debt-Equity Ratio
Lowest at 20.3 %
in the last five Semi-Annual periodsMOJO Watch
The company has been reducing its borrowing as compared to equity capital
Debt-Equity Ratio
Raw Material Cost
Fallen by 0% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
Depreciation
At HKD 175.78 MM has Grown at 8.9%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (HKD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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