1. People's Republic of China Stocks

  2. •

    Financial Services

  3. •

    Insurance - Property & Casualty
ZhongAn Online P & C Insurance Co., Ltd.

ZhongAn Online P & C Insurance Co., Ltd.

ZZHGY
ZhongAn Online P & C Insurance Co., Ltd.US flagOther OTC
1.34
USD
- -
- -
2.19BMarket Cap
ZhongAn Online P & C Insurance Co., Ltd.
ZZHGY
(Other OTC)

Recent

price

1.34

P/E

ratio

- -

div

yld

- -

ROIC.AI

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

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
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
- -
2024
- -
- -
- -
- -
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2025
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Business
ZhongAn Online P & C Insurance Co., Ltd. (ZZHGY) operates as China's leading online-only property and casualty insurance provider, offering a broad range of digital insurance products and technology-driven services through internet platforms; its core offerings include health insurance, auto insurance, travel insurance, property insurance, accident coverage, liability policies, consumer finance insurance, pet insurance, and lifestyle consumption products such as airline and household property coverage. Founded in 2013 and headquartered in Shanghai, the company serves primarily individual consumers and small businesses in China via mobile apps and online channels, leveraging artificial intelligence, big data analytics, and blockchain for personalized underwriting and claims processing; it also exports insurance technology solutions internationally. Subsidiaries like ZhongAn International and ZhongAn Technology support global expansion into 12 countries including Japan, Thailand, and Europe, with partnerships such as Sompo Japan Nipponkoa for cloud-based services. In July 2025, ZhongAn completed a US$500 million H-share placement—its first equity raise since the 2017 IPO—issuing 215 million shares to bolster insurance underwriting, asset management, and fintech innovations under a dual-engine growth strategy; recent performance highlights include robust H1 2025 gains in health and auto segments, pet insurance expansion, and 65% year-on-year growth in technology export revenue to RMB 424 million.