WDH

Waterdrop Inc.

Fundamental data last updated:November 3, 2026

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company profile

SECTOR

Financial Services

industry

Insurance - Diversified

Exchange

NYSE

County of HQ

CN

Next Earnings Date

Pending Announcement

Business Summary

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 health and long-term health and life insurance products and services. It also operates a medical crowdfunding platform. The company was founded in 2016 and is headquartered in Beijing, the People's Republic of China.

 


Analyze WDH on TradingView

VALUATION

P/E

0.10

Market Cap ($M USD)

$553.44M

Forward P/E

0.91

PEG

-0.01

PRICE TO SALES

0.95

PRICE TO BOOK

0.07

EV / EBITDA

7.26

5-Year Average P/E

Free Cash Flow Yield

0.00%

DCF Value

$-50.59

Graham Number

$22.44

Price to FCF

0.00

EV to FCF

0.00

Earnings Yield

151.52%

FCF Yield

0.00%

DIVIDEND

Yield

3.92%

Annual Payout

$0.41

Payout Ratio

0.00%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$15.69

Next Year EPS Growth Estimate

$1.68

Next Year Revenue Growth Estimate

$7.00B

Return on Equity (ROE)

11.28%

FREE CASH FLOW

Operating Margin

9.34%

Debt-to-Equity

0.01

Piotroski F-Score

5

Altman Z-Score

1.92

Return on Invested Capital (ROIC)

7.09%

Current Ratio

2.10

Quick Ratio

2.10

Net Debt to EBITDA

-2.87

Interest Coverage

0.00

Gross Profit margin

51.15%

FCF PER SHARE

$0.00

REVENUE PER SHARE

$109.56

Analyze WDH on TradingView

Gainseekers Quantitative Analysis

Summary

The market seems to be mispricing WDH Waterdrop Inc. significantly. Despite a shockingly low Price/Book ratio of 0.07 and a Price/Earnings ratio of 0.10, the stock trades well below its DCF value, suggesting a deep value opportunity. However, the Altman Z-score of 1.94 raises red flags about financial distress, while the Forward P/E of 6.00 indicates tempered growth expectations. The Earnings Yield of 1.48% is modest, hinting at limited immediate returns, but the overall valuation suggests potential for long-term gains if the company can stabilize its financial footing.

AI Exposure / Tech Reliance

In the insurance industry, WDH Waterdrop Inc. is positioned to leverage AI for risk assessment and customer service optimization. As technology reshapes financial services, the company can enhance underwriting precision and streamline claims processing. This adaptability is crucial for maintaining competitiveness in a rapidly evolving market.

The Bull Case

For value and GARP investors, WDH Waterdrop Inc. presents a compelling case. With a robust ROIC of 7.09% and a Piotroski F-Score of 5, the company demonstrates solid capital efficiency and operational health. The Operating Margin of 9.34% indicates effective cost management, while a Current Ratio of 2.10 suggests strong liquidity. These metrics paint a picture of a company with pricing power and the ability to generate sustainable returns.

The Bear Case

Despite its strengths, WDH Waterdrop Inc. faces significant structural risks. The negative PEG Forward ratio of -0.06 signals potential growth challenges, and the absence of Free Cash Flow highlights cash generation issues. Trading at a Price/Sales ratio of 0.97, the company is not capitalizing on its revenue potential. Additionally, the stock's proximity to its 52-week high raises concerns about technical overextension.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Buy

Average Analyst Price Target

$2.00

Institutional Ownership %

1-Year Beta

-0.16

Insider Buying % (6 Mo)

Distance to 52-Week High

42.48%

Distance to 52-Week Low

15.69%

EARNINGS SURPRISE %

55.44%

50-DAY SMA

$1.63

200-DAY SMA

$1.76

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.