Waterdrop Inc. (WDH)

NYQ – Real Time Price. Currency in USD

1.55

-0.04 (-2.52%)

At close: May 12, 2026, 4:00 PM EDT

Stock details

Previous close: 1.56CNY
Day's range: 1.56 - 1.59CNY
52-week range: 1.27 - 2.18CNY
Volume: 208 378
Average volume: 166 345
Beta: 2.12
EPS (TTM): 0.22
PE ratio (TTM): 7.31
Forward P/E: 59.62
Market cap: 562 978 227
Shares outstanding: 360 883 479
Dividend yield: CNY3.08 (3.08%)
Next earnings date: 2026-06-11
Sector: Financials
Industry: Insurance - Diversified

About the company

Waterdrop Inc., through its subsidiaries, provides online insurance brokerage services to match and connect users with related insurance products underwritten by insurance companies in the People’s Republic of China. The company offers short-term and long-term health and life insurance products and services. It also operates a medical crowdfunding platform; and E-Find, a clinical trial patient recruitment platform for pharmac... read more

CEO: Peng Shen
Country: China
IPO Date: 2021-05-07
Employees: 3057
Fiscal Year End: January - December
Website: https://www.waterdrop-inc.com

Revenue Breakdown

Insurance / 89.91%

Crowdfunding / 6.58%

Other / 3.51%

News

No Data

There are no news for this stock.

Chart: WDH

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Overall Score

5 / 1050%

Financial Strength

9.8

Profitability

4.8

Effectiveness

5.8

Growth

6.5

Forecast

4.4

Valuation

6.6

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	2.10	22.55	10
Quick ratio	2.10	17.09	10
Debt to Equity	0.01	0.61	9.0
Debt to Assets	0.01	0.99	10
Interest coverage	N/A	22.40	10
Weighted average score			9.8

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	416M	371M	385M	553M	555M
Gross Profit	265M	203M	202M	283M	284M
Operating Income	71M	-952K	25M	52M	52M
Net Income	90M	24M	51M	79M	79M
EBITDA	74M	961K	26M	54M	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	52.00	34.91	10
Operating margin %	5.94	0.18	3.0
Net margin %	11.49	-12.78	9.0
EBITDA margin %	N/A	19.74	1.0
Cash flow margin %	N/A	5.87	1.0
Weighted average score			4.8

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	7.39	-1.83	7.0
ROE	9.84	14.70	6.0
ROIC	9.81	9.60	6.0
ROCE	1.79	5.87	4.0
Weighted average score			5.8

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	N/A	N/A	1.0
Next quarter	N/A	N/A	1.0
Current year	18.4	22.01	9.5
Next year	8.16	8.99	6.0
Weighted average score			4.4

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	46.13	3.27	-42.36	N/A	4.0
Y/Y	108.33	55.39	39.17	N/A	7.8
3y average	12.22	32.5	41.87	-32.51	7.0
5y average	6.73	16.15	48.76	3.09	7.0
Weighted average score					6.5

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	7.19	13.84	9.0
PEG (5yr expected)	N/A	0.61	1.0
P/S	1.01	2.19	7.6
P/B	0.75	1.96	8.8
Weighted average score			6.6

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR8.93%

FCF 5 year CAGR4

Fair value6.02CNY

Stock price1.56CNY

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	0.00	N/A	1.0
Payout ratio	0.00	N/A	1.0
5-year dividend growth rate	N/A	N/A	1.0
Years of dividend increase	N/A	N/A	1.0
Weighted average score			1.0

Fair Value

$6.02

UndervaluedStock priceOvervalued

$1.56

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

Peng Shen

Country

China

IPO Date

2021-05-07

Employees

3057

Fiscal Year End

January - December

Website

https://www.waterdrop-inc.com

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

2.10

22.55

Quick ratio

2.10

17.09

Debt to Equity

0.01

0.61

9.0

Debt to Assets

0.01

0.99

Interest coverage

N/A

22.40

Weighted average score

9.8

METRIC

2022

2023

2024

2025

TTM

Total Revenue

416M

371M

385M

553M

555M

Gross Profit

265M

203M

202M

283M

284M

Operating Income

71M

-952K

25M

52M

Net Income

90M

24M

51M

79M

EBITDA

74M

961K

26M

54M

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

52.00

34.91

Operating margin %

5.94

0.18

3.0

Net margin %

11.49

-12.78

9.0

EBITDA margin %

N/A

19.74

1.0

Cash flow margin %

N/A

5.87

1.0

Weighted average score

4.8

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

7.39

-1.83

7.0

ROE

9.84

14.70

6.0

ROIC

9.81

9.60

6.0

ROCE

1.79

5.87

4.0

Weighted average score

5.8

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

N/A

1.0

Next quarter

N/A

1.0

Current year

18.4

22.01

9.5

Next year

8.16

8.99

6.0

Weighted average score

4.4

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

46.13

3.27

-42.36

N/A

4.0

Y/Y

108.33

55.39

39.17

N/A

7.8

3y average

12.22

32.5

41.87

-32.51

7.0

5y average

6.73

16.15

48.76

3.09

7.0

Weighted average score

6.5

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

7.19

13.84

9.0

PEG (5yr expected)

N/A

0.61

1.0

P/S

1.01

2.19

7.6

P/B

0.75

1.96

8.8

Weighted average score

6.6

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

0.00

N/A

1.0

Payout ratio

0.00

N/A

1.0

5-year dividend growth rate

N/A

1.0

Years of dividend increase

N/A

1.0

Weighted average score

1.0

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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Waterdrop Inc. (WDH)

Stock details

About the company

Revenue Breakdown

News

Chart: WDH

Overall Score

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$6.02

$1.56

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: WDH

Overall Score

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$6.02

$1.56

Economic Moat

Octagon View

Strength & Weakness