Zhibao Technology (ZBAO) Debt Ratio (2023 - 2025)

Zhibao Technology (ZBAO) posted Debt Ratio of 0.12 for Q4 2025, down 3.16% sequentially from 0.13 in Q2 2025, and up 13.37% YoY from 0.11 in Q4 2024.

Zhibao Technology (ZBAO) Debt Ratio (2023 - 2025) Analysis & Trends

Zhibao Technology has reported Debt Ratio for 3 years, with the latest figure at 0.12 in Q4 2025.

Quarterly Debt Ratio rose 13.37% year-over-year to 0.12 in Q4 2025, while the trailing twelve-month figure through Dec 2025 was 0.12 (up 13.37% YoY) and the FY2025 annual result came in at 0.13, down 1.27% from the prior year.
Debt Ratio eased to 0.12 in Q4 2025 per ZBAO's latest filing, from 0.13 in the prior quarter.
Over five years, Debt Ratio peaked at 0.37 in Q2 2023 and troughed at 0.11 in Q4 2024.
A 3-year average of 0.16 and a median of 0.13 in 2025 frame the typical range for Debt Ratio.
The sharpest annual moves came in 2024 and 2025: Debt Ratio tumbled 64.96% in 2024, then advanced 13.37% in 2025.
Over 3 years, Debt Ratio stood at 0.11 in 2023, then decreased by 4.76% to 0.11 in 2024, then advanced by 13.37% to 0.12 in 2025.
According to Business Quant data, Debt Ratio over the past three periods registered 0.12, 0.13, and 0.11 for Q4 2025, Q2 2025, and Q4 2024 respectively.

#	Company	Market Cap	Enterprise Value	Gross Profit (Qtr)	Debt Ratio (Qtr)
1	XChange TEC.INC	265.99 Bn	265.99 Bn	-	17.42
2	Marsh & Mclennan Companies	92.14 Bn	79.94 Bn	6.04 Bn	0.36
3	Aon	75.64 Bn	74.37 Bn	-	0.28
4	Arthur J. Gallagher	67.55 Bn	66.16 Bn	-	0.16
5	Willis Towers Watson	32.13 Bn	30.47 Bn	2.09 Bn	0.21
6	Brown & Brown	23.98 Bn	23.06 Bn	1.41 Bn	0.26
7	Erie Indemnity	12.29 Bn	11.94 Bn	-	-
8	Neptune Insurance Holdings	4.61 Bn	4.59 Bn	-	2.35
9	Accelerant Holdings	4.28 Bn	2.62 Bn	285.20 Mn	0.01
10	Zhibao Technology	6.23 Mn	1.20 Mn	-	0.12

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