ATIF Holdings Ltd. (ZBAI)
ValueMarkers Composite Index
DCF data not available
ATIF Holdings Ltd. (ZBAI) — VMCI valuation read
ATIF Holdings Ltd. (ZBAI) carries a VMCI composite of 43/100, 7 points below the Financial Services sector median of 50. Among mid-cap names, that gap places ZBAI in the bottom third on the five-pillar weighting (Value 35%, Quality 30%, Integrity 15%, Growth 12%, Risk 8%).
The ZBAI insider tape has been silent for the past 30 days on Form 4. Where executives neither buy nor sell, the bull and bear cases lean harder on filings cadence and the next earnings line.
**Investor frame.** Value reads ZBAI trades at 22.0x earnings, 22% above the Financial Services median of 18.0x, which compresses or extends through the 11.0x EV/EBITDA versus a Financial Services 12.0x. Quality: ROIC of 14.0% sits 4.0pp above the Financial Services median (10.0%). Risk: net debt to EBITDA of 0.3x leaves covenant headroom, the line to track on ATIF Holdings Ltd.'s next 10-Q.
ZBAI fell 2.8% over the trailing 7 days, with a -1.1% read on a 30-day basis.
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