ZhongAn Online P & C Insurance Co., Ltd.

ZhongAn Online P & C Insurance Co., Ltd.

ZZHGF
ZhongAn Online P & C Insurance Co., Ltd.US flagOther OTC
1.50
USD
- -
- -
2.45BMarket Cap
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
Revenue per Share
0.56
1.72
2.34
4.16
6.5
10.24
12.6
14.93
15.05
19.89
22.82
22.06
Basic EPS, GAAP
0.03
0.03
0.01
-0.77
-1.19
-0.31
0.38
0.79
-0.76
2.77
0.41
0.7
Free Cash Flow per Basic Share
0.07
0.18
0.47
-0.71
-1.09
-1.02
3.14
-0.59
-0.76
1.3
0.74
1.58
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
0.7
0.9
0.9
0.41
-0.82
-1.13
-0.76
0.34
-0.48
2.27
2.67
3.14
Tangible Book Value per Share
0.7
4.76
4.66
13.14
10.93
10.89
11.5
12.91
11.53
13.3
13.82
15.75
Basic Weighted Avg Shares
1,440
1,440
1,440
1,295
1,470
1,470
1,470
1,470
1,470
1,470
1,470
1,576
Sales/Revenue/Turnover
802
2,483
3,366
5,394
9,550
15,055
18,513
21,943
22,127
29,235
33,544
34,772
Operating Margin (%)
4.56
2.4
0.39
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
4
8
25
73
113
296
315
307
361
357
329
311
Net Income, GAAP
37
44
9
-997
-1,744
-454
554
1,165
-1,112
4,078
603
1,102
Effective Tax Rate (%)
- -
25.73
27.99
- -
- -
- -
- -
8.69
- -
4.11
29.35
26.86
Profit Margin (%)
4.61
1.78
0.28
-18.49
-18.26
-3.02
2.99
5.31
-5.03
13.95
1.8
3.17
Working Capital
165
1,473
1,290
5,416
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
- -
- -
- -
- -
60
398
6,786
6,727
7,179
7,187
7,116
2,770
Total Equity
1,021
6,898
6,859
17,271
16,475
16,506
17,393
19,458
17,615
20,073
20,926
25,449
Return on Invested Capital (%)
- -
1.11
0.14
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
4.05
0.73
- -
- -
- -
- -
22.66
- -
50.46
8.52
14.16
Return on Common Equity (%)
- -
3.85
0.72
-108.72
- -
- -
- -
- -
- -
- -
16.6
24.82

Capital Structure

FRC

in mil. unless spec.
No data availableFinancial data will appear here once available

Working Capital

FRC

in mil. unless spec.
No data availableFinancial data will appear here once available

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
19.44%
8.44%
21.61%
Free Cash Flow
-69.75%
-55.17%
129.84%
Net Income, GAAP
-1,159.51%
-110.89%
82.55%
Sales/Revenue/Turnover
32.34%
13.98%
3.66%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
29,235
2024
- -
- -
- -
- -
33,544
2025
- -
- -
- -
- -
34,772

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
2.77
2024
- -
- -
- -
- -
0.41
2025
- -
- -
- -
- -
0.7

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
- -
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -

Company Description

APIChatGPT
CEO
Jiang Xing
Full Time Employees
2,395
Sector
Financial Services
Industry
Insurance - Property & Casualty
Address
219 Yuanmingyuan Road Shanghai People's Republic of China
IPO Date
Dec 28, 2017
Business
ZhongAn Online P & C Insurance Co., Ltd. (6060:HK; ZZHGF) is China's first online-only InsurTech company, providing a comprehensive range of digital property and casualty insurance products and services through its proprietary platforms and ecosystem partnerships including Ant Group, Tencent, and Ping An Insurance; founded in 2013 and headquartered in Shanghai, it operates primarily in China with international expansion via subsidiaries such as ZhongAn International and ZA Tech (rebranded from ZhongAn Technology), focusing on health, digital lifestyle, auto, and technology-enabled solutions across onshore and offshore markets including Hong Kong, Japan, Thailand, and Europe. Core offerings encompass the health ecosystem with flagship products like the Personal Clinic Policy series (covering outpatient, inpatient, externally purchased drugs, and medical devices), Zhong Min Bao inclusive series for pre-existing conditions and chronic patients (including the February 2025 mid-to-high-end medical insurance launch), and Premium E-Health upgrades with Baowang partnership; the digital lifestyle segment features pet insurance (with NFC tap-and-pay and NFT Digital Pet ID innovations), drone damage and liability insurance for low-altitude economy, lifestyle consumption, consumer finance, travel, and accident policies; the auto ecosystem includes compulsory traffic liability, commercial auto, and NEV-specific products like Zhong Yan Bao warranty extension insurance for over 100 new energy vehicle brands; technology services via ZA Tech provide SaaS platforms for regulatory tech, data integration, intelligent core systems, intermediary middle office, and digital marketing, with embedded insurance exported to partners like Carro and PayPay in 12 countries; additionally, through ZA Bank in Hong Kong, it offers digital banking including deposits, loans, FX, investments, crypto trading, and insurance integration. In July 2025, ZhongAn completed its first post-IPO H-share placement raising approximately US$500 million (HK$3.92 billion) through 215 million new shares at HK$18.25 each, representing 12.76% of enlarged share capital, with proceeds allocated 60% to insurance underwriting and asset management, 30% to fintech innovations, and 10% to general purposes to bolster its dual-engine Insurance + Technology strategy; first-half 2025 results showed GWP up 9.3% to RMB16,661 million, underwriting profit doubling to RMB656 million with combined ratio improving to 95.6%, net profit surging over 11-fold to RMB668 million driven by AI platform Lingxi (450 million robot invocations), health GWP growth of 38.3% to RMB6,275 million, pet insurance up 51.3% to RMB563 million, NEV auto up 125.4%, and ZA Bank's historic HKD49 million profit; other recent advancements include independent compulsory auto insurance operations in Shanghai and Zhejiang, agricultural drone insurance with DJI in Thailand, and ZA Tech's USD35 million Series A financing in 2025 under Peak3 global brand.

Company News

APIChatGPT
  • ZhongAn Online P & C Insurance Co., Ltd. (ZZHGF) Q4 2025 Earnings Call Transcript

  • AM Best Revises Outlooks to Positive for ZhongAn Online P & C Insurance Co., Ltd.

  • ZhongAn Online Announces 2025 Interim Results

  • ZhongAn Online Completed US$500 Million H Share Placement to Fuel Strategic Growth

  • ZhongAn Online P & C Insurance Co., Ltd. (ZZHGF) Q2 2024 Earnings Call Transcript

  • ZhongAn Online P & C Insurance Co., Ltd. (ZZHGF) Q4 2023 Earnings Call Transcript

  • ZhongAn Online P & C Insurance Co., Ltd. (ZZHGF) Q2 2023 Earnings Call Transcript

  • ZhongAn Online P & C Insurance Co., Ltd. (ZZHGF) Q4 2022 Earnings Call Transcript

  • Amid The Digitization Boom, ZhongAn Is Speeding Up

  • ZhongAn Online P & C Insurance Co., Ltd. (ZZHGF) CEO Jiang Xing on Q2 2021 Results - Earnings Call Transcript

  • Cathie Wood's ARK Invest Buys Over 1.3 Million Shares of ZhongAn Online