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ATIF Holdings Limited (ZBAI)
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Upturn Advisory Summary
12/18/2025: ZBAI (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -44.27% | Avg. Invested days 23 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/18/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 18.62M USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) - | Beta -0.54 | 52 Weeks Range 0.27 - 2.50 | Updated Date 05/15/2025 |
52 Weeks Range 0.27 - 2.50 | Updated Date 05/15/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.28 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin - | Operating Margin (TTM) -368.55% |
Management Effectiveness
Return on Assets (TTM) -25.55% | Return on Equity (TTM) -99.23% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 14016679 | Price to Sales(TTM) 37.61 |
Enterprise Value 14016679 | Price to Sales(TTM) 37.61 | ||
Enterprise Value to Revenue 28.32 | Enterprise Value to EBITDA -1.83 | Shares Outstanding 17317500 | Shares Floating 8275598 |
Shares Outstanding 17317500 | Shares Floating 8275598 | ||
Percent Insiders 30.56 | Percent Institutions 0.09 |
Upturn AI SWOT
ATIF Holdings Limited
Company Overview
History and Background
ATIF Holdings Limited (NASDAQ: ATIF) is a holding company focused on providing financial services and technology solutions in China. The company has evolved through various strategic initiatives, aiming to leverage technology for its service offerings.
Core Business Areas
- Financial Services: Provision of financial advisory and consulting services to small and medium-sized enterprises (SMEs) in China.
- Technology Solutions: Development and deployment of technology solutions to enhance financial service delivery and operational efficiency.
Leadership and Structure
Information on the specific leadership team and detailed organizational structure of ATIF Holdings Limited is typically found in their official investor relations materials and regulatory filings.
Top Products and Market Share
Key Offerings
- Financial Advisory Services: Includes consulting on corporate finance, IPO advisory, and strategic financial planning for SMEs. Specific market share data is not readily available in public domain. Competitors include local Chinese financial advisory firms and larger international consultancies operating in China.
- Technology Platform Development: Development of proprietary technology platforms to streamline financial services and data management. Specific revenue contribution or market share is not publicly disclosed. Competitors include fintech companies and enterprise software providers in China.
Market Dynamics
Industry Overview
The financial services and fintech industry in China is dynamic and rapidly growing, driven by increasing demand from SMEs and a supportive regulatory environment for technological innovation in finance. Intense competition exists from both established players and agile startups.
Positioning
ATIF Holdings Limited positions itself as a provider of integrated financial and technology solutions for SMEs, aiming to bridge the gap between traditional financial services and modern technological capabilities. Its competitive advantages are sought in its understanding of the local market and its technology-driven approach.
Total Addressable Market (TAM)
The total addressable market for financial services and fintech solutions for SMEs in China is substantial and growing, estimated to be in the hundreds of billions of dollars annually. ATIF Holdings Limited aims to capture a segment of this market through its specialized offerings.
Upturn SWOT Analysis
Strengths
- Focus on the underserved SME market in China.
- Integration of financial services with technology solutions.
- Adaptability to evolving market demands.
Weaknesses
- Limited brand recognition compared to larger financial institutions.
- Reliance on the Chinese market, exposing it to regional economic and regulatory risks.
- Potential challenges in scaling technology development and adoption.
Opportunities
- Increasing digitalization of financial services in China.
- Growing demand for sophisticated financial advice from SMEs.
- Potential for strategic partnerships and acquisitions to expand service offerings.
Threats
- Intensifying competition from domestic and international players.
- Changes in Chinese regulatory policies impacting financial services and technology.
- Economic slowdowns or market volatility affecting SME financial health.
Competitors and Market Share
Key Competitors
- Baidu (BIDU)
- Tencent (TCEHY)
- Alibaba (BABA)
- JD.com (JD)
Competitive Landscape
ATIF Holdings Limited operates in a highly competitive landscape dominated by larger, well-established technology and financial conglomerates in China. Its advantage lies in its niche focus on SMEs and its specialized service offerings, while its disadvantage stems from its smaller scale and brand recognition.
Growth Trajectory and Initiatives
Historical Growth: ATIF Holdings Limited's historical growth has been influenced by its strategic acquisitions and expansion into new service areas within the Chinese financial technology sector.
Future Projections: Future growth projections would depend on analyst estimates and the company's ability to execute its strategic plans, innovate, and adapt to market conditions.
Recent Initiatives: Recent initiatives likely include efforts to enhance its technology platform, expand its client base, and potentially explore new market segments or services through strategic partnerships or acquisitions.
Summary
ATIF Holdings Limited is a niche player in China's burgeoning financial technology sector, focusing on serving SMEs. While it benefits from the strong demand in its target market and its integrated tech-finance approach, it faces significant competition and regulatory risks. The company's success hinges on its ability to innovate, scale its operations, and effectively navigate the dynamic Chinese business environment.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Investor Relations Websites
- SEC Filings (10-K, 10-Q)
- Financial News and Analysis Platforms
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It does not constitute financial advice. Market share data and financial metrics are estimates and subject to change. Investors should conduct their own due diligence before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About ATIF Holdings Limited
Exchange NASDAQ | Headquaters Lake Forest, CA, United States | ||
IPO Launch date 2024-12-17 | Chairman, President & CEO Dr. Kamran Khan | ||
Sector Financial Services | Industry Capital Markets | Full time employees 8 | Website https://ir.atifchina.com |
Full time employees 8 | Website https://ir.atifchina.com | ||
ATIF Holdings Limited operates as a business consulting company in the United States. It offers financial consulting services to small and medium-sized enterprises (SMEs). The company primarily focuses on helping clients going public on the national stock exchanges and OTC markets in the United States. It offers consulting services, including due diligence review, market research and feasibility study, business plan drafting, accounting record review, and business analysis and recommendations; and reorganization, pre-listing education and tutoring, talent search, legal and audit firm recommendation and coordination, VIE contracts and other public-listing related documents review, merger and acquisition planning, investor referral and pre-listing equity financing source identification and recommendations, and independent directors and audit committee candidate's recommendation. The company also provides shell company identification and recommendation for customers expecting to become publicly listed through reverse merger transaction; assistance in preparation of customers' public filings for IPO or reverse merger transactions; and assistance in answering comments and questions received from regulatory agencies. In addition, it operates a news and media website focuses on distributing financial news and information. ATIF Holdings Limited was incorporated in 2015 and is based in Lake Forest, California.
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