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Waterdrop Inc. Unsponsored ADR WDH

Financial — Insurance Diversified

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Insider Decisions

in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership
26.71%

Capital & Financial Ratios

Market Cap
286.30
Revenue
741.50
Net Income
80.80
Free Cash Flow
225.47
Net Debt
(231.58)
Current Ratio
2.19
Debt/Equity
0.09
P/E ratio
4.81
P/S ratio
0.49
P/B ratio
0.46
Past 5Y EPS Growth
—
This Y EPS Growth
492.84%
Next Y EPS Growth
28.32%
Next 5Y EPS Growth
111.88%
in millions of $

Dividends

Payout Ratio
0.00
Annual Dividend Rate
—
Annual Dividend Yield
—
total individual payouts
2028 ‡‡‡‡‡
2027 ‡‡‡‡‡
2026 0.01
—
—
2025 0.03
—
—
2024 0.03
—
—
2023 ‡‡‡
2022 ‡‡‡
2021 ‡‡‡
2020 ‡‡‡
2019 ‡‡‡
2018 ‡‡‡
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 559.24 427.37 237.68 303.43
Receivables 97.63 98.16 180.27 319.31
Inventory — — — —
Other 80.69 84.86 115.39 132.79
764.30 635.41 569.25 801.02
2023 2024 2025 Q'26
Payables — — — —
ST’ Debt 19.37 27.18 6.72 70.19
Other — — — —
192.91 203.44 270.62 365.90
in millions of $

Compound Annual Growth

10y 5y 3y
Sales — ‡‡‡‡‡ ‡‡‡‡‡
Cash Flow — ‡‡‡ ‡‡‡‡‡
Earnings — ‡‡‡ ‡‡‡‡‡
Book Value — ‡‡‡ ‡‡‡‡‡

Revenue

Mar Jun Sep Dec Year
’26 180.09 213.44 — —
—
’25 103.86 116.98 136.94 211.04
568.81
’24 97.60 93.04 100.34 88.76
379.74
’23 88.26 93.60 94.09 94.58
370.53
’22 102.33 104.72 108.55 90.62
406.22
’21 134.83 145.49 120.95 101.82
503.08
’20 93.68 96.05 124.73 125.30
464.05
in millions of $

Operating Cash Flow

Mar Jun Sep Dec Year
’26 — — — —
—
’25 — — — 34.88
34.88
’24 — — — 59.90
59.90
’23 — — — 57.26
57.26
’22 — — — 111.02
111.02
’21 — — — (172.09)
(172.09)
’20 — — — (119.10)
(119.10)
in millions of $

Free Cash Flow

Mar Jun Sep Dec Year
’26 — — — —
—
’25 — — — 30.66
30.66
’24 — — — 30.00
30.00
’23 — — — 55.39
55.39
’22 — — — 109.43
109.43
’21 — — — (177.81)
(177.81)
’20 — — — (123.19)
(123.19)
in millions of $

EPS

Mar Jun Sep Dec Year
’26 0.04 0.05 — —
—
’25 0.04 0.05 0.06 0.06
0.22
’24 0.03 0.03 0.04 0.04
0.10
’23 0.02 0.00 0.01 0.02
0.06
’22 0.04 0.08 0.06 0.04
0.22
’21 (0.60) (0.38) (0.19) (0.03)
(0.91)
’20 (0.04) 0.00 (0.05) (0.15)
(0.43)

Target Price Range

High
‡‡‡‡‡
‡‡‡‡‡
Average
‡‡‡‡‡
‡‡‡‡‡
Low
‡‡‡‡‡
‡‡‡‡

Recommendation Rating

1
1
Buy
2
3
Hold
4
5
Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
— — — — — ‡‡‡‡ 0.90 0.98 0.94 1.08 — — —
Low Price
— — — — — ‡‡‡‡‡ 3.36 3.34 1.53 2.18 — — —
High Price
— — — — ‡‡‡‡‡ ‡‡‡‡‡ 2,719 2,960 3,057 3,018 — — —
Employees
— — ‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.15 0.13 0.12 0.19 — — —
Revenue/Emp
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 406.22 370.53 379.74 568.81 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 63.62% 54.55% 52.57% 51.15% — — —
Gross Margin
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 91.44 23.13 49.40 77.71 — — —
EBT
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 22.51% 6.24% 13.01% 13.66% ‡‡‡ ‡‡‡ ‡‡‡
EBT Margin
— ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 88.11 23.06 48.07 80.80 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Net Income
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 3.33 1.91 1.59 1.99 — — —
Depreciation
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.04 0.98 1.04 1.57 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue/Sh
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.22 0.06 0.10 0.23 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Earnings/Sh
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.28 0.15 0.16 0.10 — — —
Cash Flow/Sh
— — ‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.00 0.00 (0.08) (0.01) ‡‡‡ ‡‡‡ ‡‡‡
Capex/Sh
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.28 0.15 0.08 0.08 — — —
Free CF/Sh
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.76 1.71 1.80 2.04 — — —
Book Value/Sh
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 392.14 376.97 365.05 361.53 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Shares
— — ‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡ 14.09 20.80 8.43 9.05 ‡‡‡‡ ‡‡‡‡ ‡‡‡‡
PE Ratio
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 3.13 1.06 1.13 1.21 ‡‡‡ ‡‡‡ ‡‡‡
PS Ratio
— — ‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡‡‡ 1.84 0.61 0.66 0.93 ‡‡‡ ‡‡‡ ‡‡‡
PB Ratio
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.63 (0.39) 0.08 0.80 ‡‡‡ ‡‡‡‡ ‡‡‡
EV/Sales
— — ‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡ 0.00 1.06 1.87 2.03 — — —
EV/FCF
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 111.02 57.26 59.90 34.88 ‡‡‡ ‡‡‡ ‡‡‡
Op' Cash Flow
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (1.59) (1.87) (29.90) (4.22) ‡‡‡‡‡ — —
Capex
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 109.43 55.39 30.00 30.66 — — —
FCF
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 662.44 571.39 431.98 298.63 — — —
Working Cap'
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2.03 23.22 28.68 8.53 — — —
Total Debt
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (610.09) (536.02) (398.69) (229.15) — — —
Net Debt
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 691.03 645.88 657.25 736.72 — — —
Sh' Equity
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 10.47% 2.73% 5.75% 8.57% — — —
ROA
— — ‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡‡‡ 53.52% (0.54%) 5.90% 6.53% — — —
ROIC
— — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 13.41% 3.52% 7.73% 11.67% — — —
ROE
predictions in italic, sparklines do not include predictions

Analyst Commentary (Summary)

Waterdrop Inc. (WDH), a leading Chinese insurtech platform, has endured sharp ADR volatility since its 2020 U.S. IPO, plummeting over 80% from 2021 peaks amid U.S.-China tensions and regulatory crackdowns. Yet, quantitative fundamentals show maturation: revenue stabilized at $380 million in 2024 after a post-peak dip, with efficiency soaring via 39% workforce cuts boosting revenue per employee 24% to $124,000. Profitability flipped from $247 million losses in 2021 to $48 million gains in 2024 (EBT margin 13%, ROE 7.7%), underpinned by a net cash position of $399 million and improving ROA/ROIC near 6%.

Valuations scream undervaluation—trailing P/E 8.4x, PS 1.1x, PB 0.66x, EV/Sales 0.08x—diverging from stabilized operations and analyst forecasts of 20% revenue CAGR to $669 million by 2027, EPS tripling to $0.29 (+186%). Price targets imply 820-1,160% upside from recent lows, skewed by low base and cash backing, with Monte Carlo models pricing 60-70% 12-month gains under base cases.

Despite risks like margin erosion (-35% since 2018), geopolitics, and capex drag, WDH emerges as a high-convexity “lottery ticket”: profitability inflection, growth revival amid China’s insurance tailwinds, and statistical re-rating potential (earnings-price correlation >0.85) position it for explosive multiple expansion.

Read full commentary →

Waterdrop Inc. Unsponsored ADR (WDH) Latest News

News by impact score

Fine-tune

10 Sep

4 transcript , 1:00 AM
Waterdrop Inc (WDH) posted a 72% revenue increase during its Q2 2026 earnings call. 72% revenue growth in Q2 2026 points to major positive shifts in financial performance and investor outlook.

8 Sep

4 transcript www.fool.com, 8:28 PM
Waterdrop (WDH) Q2 2026 earnings call transcript released, covering financial results, operational updates and outlook. Earnings call transcripts disclose key metrics and guidance that typically drive significant stock price moves.

3 transcript www.marketbeat.com, 10:03 AM
Waterdrop reported Q2 results in an earnings call, covering revenue, profitability metrics, operational updates and forward outlook for its insurance platform. Quarterly earnings figures directly inform near-term financial performance expectations and investor sentiment.

3 , 7:09 AM
Waterdrop Inc. reported its second quarter 2026 unaudited financial results. Quarterly earnings releases deliver performance data that can shift near-term investor views and valuation.

3 , 7:09 AM
Waterdrop Inc. released unaudited financial results for the second quarter of 2026. Quarterly results supply performance metrics that can shift investor views and short-term valuation.

3 , 6:00 AM
Waterdrop Inc. reported its second quarter 2026 unaudited financial results and declared a cash dividend. Quarterly results plus dividend declaration typically drive noticeable but not transformative shifts in valuation and sentiment.

6 Aug

3 , 10:14 PM
Waterdrop's finance chief exits, raising questions on AI investment priorities and potential strategic shifts at the company. CFO departure may influence AI spending direction but lacks evidence of immediate broad trajectory change.

17 Jun

3 transcript www.fool.com, 10:11 AM
Waterdrop (WDH) released its Q1 2026 earnings call transcript covering quarterly financial results, operational updates and forward outlook. Quarterly earnings metrics can shift near-term sentiment and valuation but rarely redefine long-term strategy.

16 Jun

4 , 9:10 AM
Waterdrop Inc. reported first quarter 2026 unaudited financial results showing 64.8% year-over-year net revenue growth. Strong revenue growth in quarterly results signals potential for significant positive effects on stock trajectory and investor sentiment.

3 transcript , 3:00 PM
Waterdrop Inc reported strong Q1 2026 revenue growth despite ongoing profit pressures, highlighting operational improvements and market expansion in its core insurance and healthcare services. Revenue growth in quarterly results provides moderate positive signal for near-term investor sentiment and stock valuation.

3 transcript www.marketbeat.com, 9:13 AM
Waterdrop reported Q1 financial results and operational updates in its earnings call, highlighting revenue, user growth, and profitability metrics alongside management commentary on strategy and outlook. Q1 earnings release supplies fresh financial metrics that moderately shift near-term sentiment without altering long-term trajectory.

3 , 6:00 AM
Waterdrop Inc. has released its unaudited financial results for the first quarter of 2026. Quarterly earnings releases typically produce moderate short-term stock price movement and sentiment shifts without altering long-term strategy.

5 May

4 www.just-drinks.com, 10:21 AM
Atlantic Grupa acquires stake in Waterdrop, the hydration 'cubes' brand behind Waterdrop Inc. Unsponsored ADR (WDH). Atlantic Grupa's stake represents a major strategic investment boosting Waterdrop's growth and investor confidence.

25 Mar

4 www.marketbeat.com, 9:19 AM
Waterdrop Inc. (WDH) Q4 earnings call highlights strong financial performance, revenue growth, profitability improvements, and optimistic 2024 guidance amid expanding insurance marketplace operations. Q4 earnings reveal robust revenue increase, net profit turnaround, and positive outlook driving significant positive investor sentiment and stock trajectory.

4 PR Newswire, 8:24 AM
Waterdrop Inc. Unsponsored ADR (WDH) reported Q4 and FY2025 financial results with Q4 operating revenue surging 105.5% year-over-year and declared a cash dividend. 105.5% YoY Q4 revenue growth and cash dividend declaration indicate robust financial performance likely to enhance investor sentiment and stock trajectory.

4 PR Newswire, 6:00 AM
Waterdrop Inc. announced unaudited financial results for Q4 and fiscal year 2025, alongside a cash dividend declaration. Financial results disclosure and cash dividend signal strong performance, boosting investor sentiment and stock trajectory.

13 Feb

3 Simply Wall St., 1:05 PM
Waterdrop Inc. Unsponsored ADR (WDH) is highlighted as a promising penny stock for February 2026, indicating potential growth opportunities in the market. The company is positioned to benefit from increasing demand in its sector, which may enhance investor interest and market performance. Analysts suggest that WDH's strategic initiatives could lead to significant returns for investors looking for undervalued stocks. Potential growth opportunities in the market may moderately influence Waterdrop's financial performance and investor sentiment.

3 Simply Wall St., 7:05 AM
Waterdrop Inc. Unsponsored ADR (WDH) is highlighted among three promising penny stocks with a market cap of at least $200 million. The article emphasizes the potential for growth in the company's stock, suggesting that it may be undervalued and could attract investor interest. WDH's business model and market positioning are discussed, indicating a favorable outlook for future performance. The company's potential for growth and market positioning may moderately influence its financial performance.

12 Feb

3 Simply Wall St., 1:05 PM
Waterdrop Inc. Unsponsored ADR (WDH) is highlighted as a standout penny stock for February 2026, attracting attention due to its potential for growth and investment opportunities. The article emphasizes the company's innovative approach and market positioning, suggesting that it may be a favorable option for investors looking for undervalued stocks in the current market landscape. The company's innovative approach and market positioning may moderately influence its financial performance and investor sentiment.

3 Simply Wall St., 7:04 AM
Waterdrop Inc. Unsponsored ADR (WDH) is highlighted as one of three promising penny stocks with a market cap exceeding $600 million. The article emphasizes the company's potential for growth and investment opportunities in the current market landscape, suggesting that it may attract investor interest due to its financial metrics and strategic positioning. The company's market cap and growth potential indicate a moderately noticeable influence on its future performance.

10 Feb

3 Simply Wall St., 1:05 PM
Waterdrop Inc. Unsponsored ADR (WDH) is highlighted as a promising penny stock for February 2026, with potential for growth driven by its innovative insurance technology and expanding market presence. The company aims to enhance its service offerings and customer engagement, positioning itself favorably in the competitive landscape of digital insurance solutions. Investors are encouraged to consider WDH for its strategic initiatives and market opportunities. The company's strategic initiatives and market positioning may moderately influence its financial performance and competitive standing.

3 Simply Wall St., 7:05 AM
Waterdrop Inc. Unsponsored ADR (WDH) is highlighted as one of three promising penny stocks with market capitalizations exceeding $100 million. The article emphasizes the company's potential for growth and investment opportunities within the current market landscape, suggesting that it may attract investor interest due to its favorable positioning. The company's potential for growth and investment interest may moderately influence its market performance.

9 Feb

3 Simply Wall St., 1:05 PM
Waterdrop Inc. Unsponsored ADR (WDH) is highlighted as one of three promising penny stocks with market capitalizations up to $400 million. The company operates in the insurance and technology sectors, focusing on providing innovative solutions for health and life insurance. Investors are encouraged to consider WDH due to its growth potential and strategic positioning in a competitive market. The article emphasizes the importance of thorough research before investing in penny stocks, given their inherent risks and volatility. Waterdrop Inc. operates in a competitive sector with potential for moderate growth, but risks associated with penny stocks limit the overall impact.

3 Simply Wall St., 7:05 AM
Waterdrop Inc. Unsponsored ADR (WDH) is highlighted as one of three promising penny stocks with a market cap exceeding $400 million. The article emphasizes the company's potential for growth and investment opportunities, suggesting that it may attract attention from investors looking for undervalued stocks in the current market landscape. The company's market cap and growth potential indicate a moderately noticeable influence on its future performance.

5 Feb

3 Simply Wall St., 7:05 AM
Waterdrop Inc. Unsponsored ADR (WDH) is highlighted as a penny stock to watch in February 2026 due to its potential for growth and market interest. The company is positioned in the insurance and financial services sector, which may attract investors looking for affordable stocks with upside potential. Analysts suggest monitoring WDH for any developments that could influence its market performance. The company's positioning in a growing sector may moderately influence its financial performance and market sentiment.

4 Feb

3 Simply Wall St., 1:05 PM
Waterdrop Inc. Unsponsored ADR (WDH) is highlighted as one of the top penny stocks to watch in February 2026, indicating potential interest from investors. The company is positioned within the insurance and financial services sector, which may attract attention due to market trends and investor sentiment towards affordable investment opportunities. Analysts suggest monitoring WDH for possible growth and volatility in the coming months. The mention of WDH as a top penny stock suggests moderate interest and potential for influence on market sentiment, but no major developments are indicated.

3 Feb

3 Simply Wall St., 1:05 PM
Waterdrop Inc. Unsponsored ADR (WDH) is highlighted among penny stocks for February 2026, indicating potential interest from investors. The company is noted for its innovative insurance and healthcare solutions, which may attract attention in the current market environment. Analysts suggest that WDH could benefit from recent trends in the healthcare sector, positioning it as a noteworthy option for investors looking at low-cost stocks with growth potential. The company's innovative solutions in healthcare may moderately influence its market performance and investor interest.

2 Feb

3 Simply Wall St., 7:05 AM
Waterdrop Inc. Unsponsored ADR (WDH) is highlighted as one of the top penny stock picks, with Siebert Financial leading the charge. The article emphasizes the potential for growth in WDH, suggesting that it may attract investor interest due to its low price point and market positioning. Analysts are optimistic about the company's prospects, indicating that it could be a worthwhile investment opportunity for those looking at penny stocks. The mention of Waterdrop Inc. as a top penny stock pick suggests a moderately noticeable influence on market sentiment and potential investor interest.

29 Jan

3 Simply Wall St., 7:05 AM
Waterdrop Inc. Unsponsored ADR (WDH) is highlighted as a penny stock to watch for potential growth in January 2026. The company is positioned in the insurance and financial services sector, which may benefit from increasing demand for digital solutions. Analysts suggest that WDH could see significant upside due to its innovative offerings and market expansion strategies. Investors are encouraged to monitor its performance closely as market conditions evolve. The company's innovative offerings and market expansion strategies may moderately influence its financial performance and competitive positioning.

28 Jan

3 Simply Wall St., 7:05 AM
Waterdrop Inc. Unsponsored ADR (WDH) is highlighted as one of three penny stocks with market capitalizations exceeding $700 million. The article discusses the potential for growth in the penny stock sector, emphasizing the importance of market cap in assessing investment opportunities. WDH's position in this category suggests it may attract investor interest, particularly among those looking for affordable stocks with growth potential. WDH's inclusion in a list of penny stocks with significant market caps indicates a moderately noticeable influence on its market performance.
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