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JZ · Nasdaq · United States · Services-Educational Services
In shortJianzhi Education Technology Group Co Ltd is loss-making, burns cash and holds more cash than debt, with revenue shrinking (−71.8% last year).
Financial health
Weak
Built from five areas over the last five annual reports. Tap an area to see the figures behind it.
| Operating marginShare of each sale left after running the business, before interest and tax. | -24.1% | 0/100 |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | -22.4% | 0/100 |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | -43.8% | 0/100 |
| Return on invested capitalProfit earned on all the capital used (equity and debt). Above 10% usually means a real competitive edge. | -24.2% | 0/100 |
Weight in the score: 25%
| Current ratioShort-term assets divided by short-term debts. Below 1 can mean tight cash. | 1.67× | 73/100 |
|---|---|---|
| Debt / equityDebt compared with the shareholders' stake. Above 2 is heavily indebted. | 0.14× | 100/100 |
| Net debt / EBITDAYears of operating profit needed to repay net debt. Below 2 is comfortable. | Net cash | 100/100 |
| Interest coverageHow many times operating profit covers interest. Below 2 is risky. | – | n/a |
| Altman Z''Bankruptcy-risk model. Above 2.6 safe, below 1.1 distress. | -8.52 | 0/100 |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | -13.9% | 0/100 |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | – | n/a |
| Years with positive free cash flow (last 5) | 4 of 5 | 75/100 |
Weight in the score: 20%
| Profitable years (last 5) | 1 of 5 | 20/100 |
|---|---|---|
| Years of revenue decline (last 5) | 3 of 5 | 0/100 |
| Revenue growth volatility | 36.6% | 0/100 |
| Operating margin volatility | 37.2% | 0/100 |
Weight in the score: 20%
| Revenue growth, 3-year average | -48.2% | 0/100 |
|---|---|---|
| EPS growth, 3-year average | – | n/a |
Weight in the score: 10%
Fiscal year 2025 · change vs prior year
Annual figures as reported. Hover a bar or point for the exact value.
1 older year available with the 10-year history. Essential plan, from €8.25/month →
The last 5 fiscal years from the company's annual reports.
CNY millions; negative values in parentheses.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | 473 | 506 | 441 | 249 | 70 |
| Cost of revenue | 369 | 511 | 424 | 202 | 58 |
| Gross profit | 104 | (5.5) | 16 | 47 | 12 |
| Research & development | 26 | 16 | 12 | 5.8 | 3.2 |
| Operating income | 51 | (207) | (383) | (20) | (17) |
| Interest expense | – | 2.1 | 1.4 | 0.6 | (0) |
| Pre-tax income | 57 | (208) | (383) | (21) | (16) |
| Income tax | 4.3 | (11) | 0.2 | 13 | 0.3 |
| Net income | 48 | (199) | (374) | (34) | (16) |
| Diluted EPS | ¥0.43 | −¥1.68 | −¥3.08 | −¥0.24 | −¥0.08 |
| Diluted shares (millions) | 111 | 119 | 121 | 138 | 208 |
1 older year available with the 10-year history. Essential plan, from €8.25/month →
−8.52 Distress zone
Estimates bankruptcy risk from working capital, retained earnings, operating profit and equity. Above 2.6 is considered safe, below 1.1 signals distress.
4/9
Nine yes-or-no tests on profitability, debt, liquidity and efficiency versus the prior year. 7 to 9 is strong, 0 to 3 is weak.
All figures: SEC EDGAR. Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Dec 31, 2025 · Data updated Apr 13, 2026