LendingTree, Inc. (TREE) vs Zhibao Technology Inc. (ZBAO)

LendingTree, Inc. and Zhibao Technology Inc. are both Insurance Brokers companies. LendingTree, Inc. is the larger, with a market value of $543.8M against $2.0M — 269.2× the size. Across the 9 metrics below, LendingTree, Inc. leads on 7 and Zhibao Technology Inc. on 2.

Valuation

Metric TREE ZBAO Insurance Brokers median
P/E 5.25 — 22.14
P/S 0.41 — 2.91
P/B 2.13 n/m 3.02
Price to free cash flow 6.66 n/m 22.32
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 19.05% — 3.41%
Free cash flow yield 15.02% 0.00% 3.09%

Profitability

Metric TREE ZBAO Insurance Brokers median
Gross margin 96.46% — 49.54%
Operating margin 0.37% — 15.76%
Net margin 7.60% — 8.19%
Free cash flow margin 6.22% 0.00% 3.58%
Return on equity 51.42% 0.00% 2.99%
Return on assets 12.68% 0.00% 2.33%
Return on invested capital 0.61% 0.00% 5.64%

Growth

Metric TREE ZBAO Insurance Brokers median
Revenue growth (TTM) 23.11% — 9.77%
EPS growth (last fiscal year) 443.31% (550.00%) (8.67%)
Revenue growth, 5-year CAGR 4.19% — 9.30%
Net income growth, 5-year CAGR 0.00% — 0.00%

Health

Metric TREE ZBAO Insurance Brokers median
Debt to equity 1.31 0.74 0.49
Current ratio 1.57 0.86 1.54
Net debt to EBITDA 3.51 (0.17) 1.20

Dividend

Metric TREE ZBAO Insurance Brokers median
Dividend yield — — 1.01%
Payout ratio — — 0.33

Size

Metric TREE ZBAO Insurance Brokers median
Market cap 543.76m 2.02m 2.41b

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