As of the first half of fiscal 2026, the company had over 3,100 B channels and over 27 million end users. In February 2026, Zhibao launched ten new AI agents to accelerate its digital transformation across product design, platform operations, promotion and customer service.
Cyborg Score Rationale
Zhibao demonstrates strong operational growth with 41% revenue increase and return to profitability in H1 FY2026, but faces regulatory headwinds. In November 2025, the company received a Nasdaq deficiency letter for failing to file its Form 20-F for fiscal year 2025. The company is scaling across multiple insurance verticals but operates in a highly regulated environment.
Top Insights
41% revenue increase and return to profitability in H1 FY2026, with B channel count reaching 3,100+ and end users exceeding 27 million.
Company has developed over 40 proprietary digital insurance solutions addressing scenarios across travel, sports, and other industries.
AI-driven transformation underway with ten new AI agents launched in February 2026 for product design and customer service.
Nasdaq compliance risk: November 2025 deficiency notice for late Form 20-F filing with 180-day cure period through May 2026.
Named Competitors
ZhongAn Online Insurance — Digital insurance platform in China
Lemonade — Direct-to-consumer InsurTech platform
Ping An Insurance — Digital insurance services in China
Recent Developments
(May 2026) Appointment of Jun Xu as Independent Director to Zhibao Labuan Reinsurance subsidiary
(February 2026) Launch of ten new AI agents for digital transformation across operations
(November 2025) Receipt of Nasdaq deficiency letter regarding Form 20-F filing compliance
(September 2024) Announcement of up to $7.2 million convertible note financing
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