Jianzhi Education Technology Group Co Ltd Financials

Source SEC Filings (10-K/10-Q) Data as of Dec 31, 2025 Currency USD FYE December

This page shows Jianzhi Education Technology Group Co Ltd (JZ) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 4 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI JZ FY2025 2026-04-22

Revenue contraction has outrun margin repair, leaving this business reliant on outside funding instead of self-financed operations.

The current ratio improved to 1.7x, yet cash still ended at $1.2M, which is a thin cushion for a loss-making operation. Operations and investing consumed roughly $5.5M while financing added $4.7M, so the cleaner short-term balance sheet was supported externally rather than earned through the business.

Gross margin held near 18% for a second straight year, showing the company repaired the direct-cost problem that once erased gross profit. But revenue fell to $10.0M, so overhead still outweighed the gross profit base and margin repair did not turn into scale benefits.

Accounts receivable were $3.2M against only $10.0M of revenue, suggesting collections matter more because each sale now carries more balance-sheet weight. That helps explain why a smaller accounting loss did not protect cash: earnings quality weakened as free cash flow swung to a -$1.4M outflow.

Financial Health Signals

Financial Health Score 18/100

Scored as: Emerging companies peer group

Scored against emerging companies for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Jianzhi Education Technology Group Co Ltd's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Cash Runway

Dilution

R&D Intensity

Revenue Progress

Balance Sheet

Altman Z-Score Distress

-3.17

Jianzhi Education Technology Group Co Ltd scores -3.17, below the 1.81 distress threshold. The score is driven primarily by a large market capitalization ($9.3M) relative to total liabilities ($7.3M). This indicates elevated financial distress risk and warrants close attention to liquidity and debt levels.

Distress-screening estimate for non-financial companies. Not computed for banks or insurers, where the Altman model does not apply.

Piotroski F-Score Partial

3/8

Jianzhi Education Technology Group Co Ltd passes 3 of 8 computable financial strength tests (1 of the nine could not be computed from available data). 2 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Low Quality

0.64x

For every $1 of reported earnings, Jianzhi Education Technology Group Co Ltd generates $0.64 in operating cash flow (-$1.4M OCF vs -$2.2M net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.

Interest Coverage At Risk

-4841.2x

Jianzhi Education Technology Group Co Ltd earns $-4841.2 in operating income for every $1 of interest expense (-$2.4M vs $500). This narrow margin raises concern about the company's ability to service its debt if operating income declines.

Key Financial Metrics

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Earnings & Revenue

Revenue

$10.0M

YoY-70.6%

Jianzhi Education Technology Group Co Ltd generated $10.0M in revenue in fiscal year 2025. This represents a decrease of 70.6% from the prior year.

EBITDA

-$2.4M

YoY+13.6%

Jianzhi Education Technology Group Co Ltd's EBITDA was -$2.4M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 13.6% from the prior year.

Net Income

-$2.2M

YoY+51.0%

Jianzhi Education Technology Group Co Ltd reported -$2.2M in net income in fiscal year 2025. This represents an increase of 51.0% from the prior year.

EPS (Diluted)

$-0.01

YoY+66.7%

Jianzhi Education Technology Group Co Ltd earned $-0.01 per diluted share (EPS) in fiscal year 2025. This represents an increase of 66.7% from the prior year.

Cash & Balance Sheet

Free Cash Flow

-$1.4M

YoY-199.6%

Jianzhi Education Technology Group Co Ltd generated -$1.4M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 199.6% from the prior year.

Cash & Debt

$1.2M

YoY-31.6%

Jianzhi Education Technology Group Co Ltd held $1.2M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

517M

YoY+205.8%

Jianzhi Education Technology Group Co Ltd had 517M shares outstanding in fiscal year 2025. This represents an increase of 205.8% from the prior year.

Margins & Returns

Gross Margin

17.7%

YoY-1.1pp

Jianzhi Education Technology Group Co Ltd's gross margin was 17.7% in fiscal year 2025, indicating the percentage of revenue retained after direct costs. This is down 1.1 percentage points from the prior year.

Operating Margin

-24.1%

YoY-15.9pp

Jianzhi Education Technology Group Co Ltd's operating margin was -24.1% in fiscal year 2025, reflecting core business profitability. This is down 15.9 percentage points from the prior year.

Net Margin

-22.4%

YoY-8.9pp

Jianzhi Education Technology Group Co Ltd's net profit margin was -22.4% in fiscal year 2025, showing the share of revenue converted to profit. This is down 8.9 percentage points from the prior year.

Return on Equity

-32.6%

YoY+109.6pp

Jianzhi Education Technology Group Co Ltd's ROE was -32.6% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 109.6 percentage points from the prior year.

Capital Allocation

R&D Spending

$461K

YoY-41.8%

Jianzhi Education Technology Group Co Ltd invested $461K in research and development in fiscal year 2025. This represents a decrease of 41.8% from the prior year.

Share Buybacks

N/A

Capital Expenditures

$1K

YoY-49.1%

Jianzhi Education Technology Group Co Ltd invested $1K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 49.1% from the prior year.

JZ Income Statement

Metric	FY25	FY24	FY23	FY22
Revenue	$10.0M-70.6%	$34.1M-45.1%	$62.0M-15.4%	$73.3M
Cost of Revenue	$8.3M-70.2%	$27.7M-53.7%	$59.8M-19.4%	$74.1M
Gross Profit	$1.8M-72.3%	$6.4M+181.4%	$2.3M+383.9%	-$803K
R&D Expenses	$461K-41.8%	$791K-52.2%	$1.7M-26.6%	$2.3M
SG&A Expenses	$2.9M-61.0%	$7.5M+139.3%	$3.1M-88.0%	$26.0M
Operating Income	-$2.4M+13.3%	-$2.8M+94.8%	-$53.9M-79.2%	-$30.1M
Interest Expense	-$500-100.7%	$76K+139.5%	-$191K+36.9%	-$303K
Income Tax	$49K-97.2%	$1.8M+5817.9%	$30K+101.9%	-$1.6M
Net Income	-$2.2M+51.0%	-$4.6M+91.3%	-$52.6M-82.2%	-$28.9M
EPS (Diluted)	$-0.01+66.7%	$-0.03+93.0%	$-0.43-79.2%	$-0.24

Metric	Q4'25	Q2'25	Q4'24	Q4'23	Q4'22
Revenue	N/A	N/A	N/A	N/A	N/A
Cost of Revenue	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A
Interest Expense	N/A	N/A	N/A	N/A	N/A
Income Tax	N/A	N/A	N/A	N/A	N/A
Net Income	N/A	N/A	N/A	N/A	N/A
EPS (Diluted)	N/A	N/A	N/A	N/A	N/A

JZ Balance Sheet

Metric	FY25	FY24	FY23	FY22
Total Assets	$15.1M+8.0%	$13.9M-34.8%	$21.4M-79.7%	$105.5M
Current Assets	$12.2M+22.4%	$10.0M-42.1%	$17.2M-66.2%	$51.0M
Cash & Equivalents	$1.2M-31.6%	$1.7M-31.4%	$2.5M-72.8%	$9.2M
Inventory	N/A	N/A	N/A	$58K
Accounts Receivable	$3.2M-35.8%	$5.0M+623.4%	$692K-72.2%	$2.5M
Goodwill	N/A	N/A	N/A	N/A
Total Liabilities	$7.3M-25.6%	$9.8M-58.7%	$23.8M-54.5%	$52.3M
Current Liabilities	$7.3M-24.9%	$9.7M-57.5%	$22.9M-56.2%	$52.3M
Long-Term Debt	N/A	N/A	N/A	N/A
Total Equity	$6.9M+113.8%	$3.2M+197.6%	-$3.3M-106.5%	$50.8M
Retained Earnings	-$47.9M-4.9%	-$45.7M-11.2%	-$41.1M-446.5%	$11.9M

Metric	Q4'25	Q2'25	Q4'24	Q4'23	Q4'22
Total Assets	$15.1M+87.7%	$8.0M-42.4%	$13.9M-34.8%	$21.4M-79.7%	$105.5M
Current Assets	$12.2M+166.8%	$4.6M-54.1%	$10.0M-42.1%	$17.2M-66.2%	$51.0M
Cash & Equivalents	$1.2M+235.5%	$348K-79.6%	$1.7M-31.4%	$2.5M-72.8%	$9.2M
Inventory	N/A	N/A	N/A	N/A	$58K
Accounts Receivable	$3.2M+527.1%	$513K-89.8%	$5.0M+623.4%	$692K-72.2%	$2.5M
Goodwill	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$7.3M+42.9%	$5.1M-47.9%	$9.8M-58.7%	$23.8M-54.5%	$52.3M
Current Liabilities	$7.3M+43.7%	$5.1M-47.7%	$9.7M-57.5%	$22.9M-56.2%	$52.3M
Long-Term Debt	N/A	N/A	N/A	N/A	N/A
Total Equity	$6.9M+234.8%	$2.1M-36.1%	$3.2M+197.6%	-$3.3M-106.5%	$50.8M
Retained Earnings	-$47.9M-2.3%	-$46.9M-2.6%	-$45.7M-11.2%	-$41.1M-446.5%	$11.9M

JZ Cash Flow Statement

Metric	FY25	FY24	FY23	FY22
Operating Cash Flow	-$1.4M-199.3%	$1.4M-32.6%	$2.1M-84.4%	$13.7M
Capital Expenditures	$1K-49.1%	$2K-84.0%	$15K	N/A
Free Cash Flow	-$1.4M-199.6%	$1.4M-32.2%	$2.1M	N/A
Investing Cash Flow	-$4.1M-78.0%	-$2.3M+70.5%	-$7.8M+75.5%	-$31.7M
Financing Cash Flow	$4.7M+4437.0%	$104K+110.2%	-$1.0M-105.6%	$18.3M
Dividends Paid	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A	N/A

Metric	Q4'25	Q2'25	Q4'24	Q4'23	Q4'22
Operating Cash Flow	N/A	N/A	N/A	N/A	N/A
Capital Expenditures	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	N/A	N/A	N/A	N/A	N/A
Financing Cash Flow	N/A	N/A	N/A	N/A	N/A
Dividends Paid	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A

JZ Financial Ratios

Metric	FY25	FY24	FY23	FY22
Gross Margin	17.7%-1.1pp	18.8%+15.1pp	3.7%+4.8pp	-1.1%
Operating Margin	-24.1%-15.9pp	-8.2%+78.7pp	-86.9%-45.9pp	-41.0%
Net Margin	-22.4%-8.9pp	-13.5%+71.3pp	-84.8%-45.4pp	-39.4%
Return on Equity	-32.6%+109.6pp	-142.1%	N/A	-56.9%
Return on Assets	-14.9%+18.0pp	-33.0%+213.3pp	-246.2%-218.8pp	-27.4%
Current Ratio	1.67+0.6	1.02+0.3	0.75-0.2	0.97
Debt-to-Equity	1.06-2.0	3.04+10.2	-7.19-8.2	1.03
FCF Margin	-14.3%-18.5pp	4.2%+0.8pp	3.4%	N/A

Metric	Q4'25	Q2'25	Q4'24	Q4'23	Q4'22
Gross Margin	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A
Net Margin	N/A	N/A	N/A	N/A	N/A
Return on Equity	N/A	N/A	N/A	N/A	N/A
Return on Assets	N/A	N/A	N/A	N/A	N/A
Current Ratio	1.67+0.8	0.90-0.1	1.02+0.3	0.75-0.2	0.97
Debt-to-Equity	1.06-1.4	2.48-0.6	3.04+10.2	-7.19-8.2	1.03
FCF Margin	N/A	N/A	N/A	N/A	N/A

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Frequently Asked Questions

What is Jianzhi Education Technology Group Co Ltd's annual revenue?

Jianzhi Education Technology Group Co Ltd (JZ) reported $10.0M in total revenue for fiscal year 2025. This represents a -70.6% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Jianzhi Education Technology Group Co Ltd's revenue growing?

Jianzhi Education Technology Group Co Ltd (JZ) revenue declined by 70.6% year-over-year, from $34.1M to $10.0M in fiscal year 2025.

Is Jianzhi Education Technology Group Co Ltd profitable?

No, Jianzhi Education Technology Group Co Ltd (JZ) reported a net income of -$2.2M in fiscal year 2025, with a net profit margin of -22.4%.

What is Jianzhi Education Technology Group Co Ltd's EBITDA?

Jianzhi Education Technology Group Co Ltd (JZ) had EBITDA of -$2.4M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

What is Jianzhi Education Technology Group Co Ltd's gross margin?

Jianzhi Education Technology Group Co Ltd (JZ) had a gross margin of 17.7% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.

What is Jianzhi Education Technology Group Co Ltd's operating margin?

Jianzhi Education Technology Group Co Ltd (JZ) had an operating margin of -24.1% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.

What is Jianzhi Education Technology Group Co Ltd's net profit margin?

Jianzhi Education Technology Group Co Ltd (JZ) had a net profit margin of -22.4% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is Jianzhi Education Technology Group Co Ltd's return on equity (ROE)?

Jianzhi Education Technology Group Co Ltd (JZ) has a return on equity of -32.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Jianzhi Education Technology Group Co Ltd's free cash flow?

Jianzhi Education Technology Group Co Ltd (JZ) generated -$1.4M in free cash flow during fiscal year 2025. This represents a -199.6% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Jianzhi Education Technology Group Co Ltd's operating cash flow?

Jianzhi Education Technology Group Co Ltd (JZ) generated -$1.4M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Jianzhi Education Technology Group Co Ltd's total assets?

Jianzhi Education Technology Group Co Ltd (JZ) had $15.1M in total assets as of fiscal year 2025, including both current and long-term assets.

What are Jianzhi Education Technology Group Co Ltd's capital expenditures?

Jianzhi Education Technology Group Co Ltd (JZ) invested $1K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How much does Jianzhi Education Technology Group Co Ltd spend on research and development?

Jianzhi Education Technology Group Co Ltd (JZ) invested $461K in research and development during fiscal year 2025.

How many shares does Jianzhi Education Technology Group Co Ltd have outstanding?

Jianzhi Education Technology Group Co Ltd (JZ) had 517M shares outstanding as of fiscal year 2025.

What is Jianzhi Education Technology Group Co Ltd's current ratio?

Jianzhi Education Technology Group Co Ltd (JZ) had a current ratio of 1.67 as of fiscal year 2025, which is generally considered healthy.

What is Jianzhi Education Technology Group Co Ltd's debt-to-equity ratio?

Jianzhi Education Technology Group Co Ltd (JZ) had a debt-to-equity ratio of 1.06 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Jianzhi Education Technology Group Co Ltd's return on assets (ROA)?

Jianzhi Education Technology Group Co Ltd (JZ) had a return on assets of -14.9% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Jianzhi Education Technology Group Co Ltd's cash runway?

Based on fiscal year 2025 data, Jianzhi Education Technology Group Co Ltd (JZ) had $1.2M in cash against an annual operating cash burn of $1.4M. This gives an estimated cash runway of approximately 10 months at the current burn rate. Cash runway measures how long a company can continue operating before running out of cash, assuming no additional funding.

What is Jianzhi Education Technology Group Co Ltd's Altman Z-Score?

Jianzhi Education Technology Group Co Ltd (JZ) has an Altman Z-Score of -3.17, placing it in the Distress Zone (elevated bankruptcy risk). The Z-Score combines five financial ratios (working capital, retained earnings, EBIT, market capitalization, and revenue relative to total assets) to predict the likelihood of bankruptcy. Scores above 2.99 indicate financial safety while scores below 1.81 suggest financial distress. Learn more in our complete guide to financial health indicators.

What is Jianzhi Education Technology Group Co Ltd's Piotroski F-Score?

Jianzhi Education Technology Group Co Ltd (JZ) has a Piotroski F-Score of 3 out of 8 computable signals; 1 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Jianzhi Education Technology Group Co Ltd's earnings high quality?

Jianzhi Education Technology Group Co Ltd (JZ) has an earnings quality ratio of 0.64x, considered low quality (accrual-driven). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

Can Jianzhi Education Technology Group Co Ltd cover its interest payments?

Jianzhi Education Technology Group Co Ltd (JZ) has an interest coverage ratio of -4841.2x, meaning it can struggle to cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.

How financially healthy is Jianzhi Education Technology Group Co Ltd?

Jianzhi Education Technology Group Co Ltd (JZ) scores 18 out of 100 on our Financial Health Score, indicating weak standing within its emerging companies peer group. The score is a 0-100 composite of six dimensions (Cash Runway, Dilution, R&D Intensity, Revenue Progress, Burn Trend, Balance Sheet), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.