The Zero Card, Inc
How we got $10.0M
Based on its 26 employees and its payroll, both reported for PPP in 2020 and brought up to date.
What we know
Estimated value over time
▲ 56% since 2020Today's estimate scaled by the headcount reported each year and that year's prices. A trend, not a record of past sale values.
Employees over time
▲ 42% since 2020Show as table
| Year | Source | Employees | Est. revenue |
|---|---|---|---|
| 2020 | PPP loan | 26 | $6.0M |
| 2020 | Form 5500 | 25 | $5.7M |
| 2021 | Form 5500 | 28 | $6.4M |
| 2022 | Form 5500 | 29 | $6.6M |
| 2023 | Form 5500 | 26 | $6.0M |
| 2024 | Form 5500 | 29 | $6.6M |
| 2025 | Form 5500 | 37 | $8.5M |
Participants are employees in the company's retirement plan at year end, from its Form 5500 filing with the Department of Labor. They usually run a little under total headcount (part-timers and new hires may not be eligible). Revenue and EBITDA apply this industry's revenue per employee and margin to each year's count.
Compared with similar businesses nearby
| Business | Est. revenue | Distance |
|---|---|---|
| THE ZERO CARD, INC this business | $7.8M | — |
| State Farm Insurance Tulsa | $806K | 0.0 mi |
| OANH STANGER INSURANCE AGENCY INC. Tulsa · 4 employees | $1.0M | 0.0 mi |
| TAYLOR & TAYLOR, INCORPORATED Tulsa · 1 employees | $245K | 0.4 mi |
| Magoon & Associates Inc Tulsa | $1.6M | 0.4 mi |
| Silver Elite Tulsa | $806K | 0.5 mi |
| Blue Cross Blue Shield Of Oklahoma Tulsa | $806K | 0.6 mi |
The full calculation
| Employees reported to the SBA | 26 |
| Revenue from headcount (employees × revenue per employee for companies this size) | $6.9M |
| Revenue from PPP payroll (payroll ÷ payroll's share of revenue for companies this size) | $6.7M |
| Estimate: the two combined (geometric mean) | $7.8M |
| EBITDA margin (industry, adjusted for size) | 24% |
| EBITDA = revenue × margin | $1.9M |
Figures are shown toward the upper part of their range rather than at its middle.
Brought up to date assuming revenue has grown 8% a year since 2020, when the PPP figures were reported; included above.
| Estimated value = EBITDA × typical sale multiple | $10.0M |
| Multiple for this size and industry | 5.4× |
| Value range | $5.3M – $13.7M |
| Revenue range | $5.1M – $8.9M |
| EBITDA range | $1.2M – $2.1M |
| Industry (NAICS) | All Other Insurance Related Activities (524298) |
EBITDA margin: from IRS tax returns of S corporations in this industry (2019–2022), adjusted for company size: smaller companies typically run higher margins. EBITDA here is after owners' salaries.
Benchmarks: US Economic Census 2022. PPP loans were sized on 2019–2020 payroll, so figures reflect that period. These are statistical estimates, not reported financials. Full methodology
People & advisors
Advisors
- BankingVast Bank, National AssociationPPP / SBA lender
From the company's own website and public filings (DOL Form 5500, IRS Form 990, SBA). Roles are as stated there and may be out of date.
Banking relationships
| Vast Bank, National Association PPP 2020 | All 359 borrowers → |
From PPP and SBA loan records, which name the bank but not the individual banker.
PPP loans
| Approved | Draw | Amount | Jobs |
|---|---|---|---|
| 4/15/2020 | first | $333K | 26 |
About The Zero Card, Inc
The Zero Card, Inc is an insurance agencies company in Tulsa, Oklahoma. Its estimated annual revenue is about $7.8M, with roughly $1.9M of EBITDA. It has about 37 employees. Its estimated business value is $10.0M (likely range $5.3M–$13.7M).
Common questions
- Who owns The Zero Card, Inc?
- The owner of The Zero Card, Inc isn't in public records we've found yet. If you own or run the business, you can add or correct its details on SeeBITDA.
- How much revenue does The Zero Card, Inc make?
- SeeBITDA estimates The Zero Card, Inc's annual revenue at about $7.8M (likely between $5.1M and $8.9M), based on public records such as its PPP loan and retirement-plan filings, brought up to 2026.
- What is The Zero Card, Inc worth?
- About $10.0M, roughly 5.4× its estimated EBITDA of $1.9M, typical for a insurance agencies company its size. Likely range: $5.3M–$13.7M.
- How many employees does The Zero Card, Inc have?
- About 37, from its 2025 retirement-plan filing.