Waterdrop Inc. Unsponsored ADR

WDH Financial Insurance Diversified

Waterdrop Inc. Unsponsored ADR’s revenue for fiscal 2025 (year ended December 2025) was $568.8 million, up 49.8% from fiscal 2024. In the quarter to June 2026, revenue grew 82.5%, EPS was flat, free cash flow grew 117.2% and total debt rose 657.5%, each against the same quarter a year earlier.

1.01 0.00 0.00%
Market cap
$283.5M
P/E
4.8×
Fwd P/E
6.5×
Dividend yield
5.94%
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21 Dec '20 Dec '19 Dec '18 Dec '17
Piotroski F-Score
5 7 4 6 3 3 — — —
P/E ratio
9.05 8.43 16.97 14.09 0.00 0.00 0.00 0.00 —
P/S ratio
1.21 1.13 1.06 3.13 0.82 2.40 2.40 2.40 —
P/FCF ratio
3.05 25.14 0.00 0.00 0.00 0.00 0.00 0.00 —
P/Operating CF
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 —
P/B ratio
0.93 0.66 0.61 1.84 0.66 0.00 0.00 0.00 —
Price to Tangible BV
0.98 0.69 0.64 1.86 0.67 0.00 0.00 0.00 —
EV/Sales
0.80 0.08 (0.39) 1.63 (0.24) 1.72 1.72 1.72 —
EV/EBITDA
8.63 1.31 151.55 9.53 0.41 0.00 0.00 0.00 —
EV/Operating CF
1.74 0.57 1.17 0.00 0.00 0.00 0.00 0.00 —
EV/FCF
2.03 1.87 1.06 0.00 0.00 0.00 0.00 0.00 —
Quick Ratio
1.54 2.58 3.41 4.37 3.28 2.40 2.72 1.65 —
Current Ratio
2.10 3.12 3.96 5.07 4.03 3.57 2.82 1.69 —
Net Debt/EBITDA
(4.16) (15.34) (559.52) (8.40) 1.84 5.08 6.93 2.01 —
Debt/Assets
0.84% 3.24% 2.68% 0.24% 1.12% 1.36% 1.66% 2.78% 0.00%
Debt/Equity
0.01 0.04 0.04 0.00 0.01 (0.04) 0.03 0.07 —
Asset Turnover
0.60 0.43 0.43 0.48 0.65 0.85 0.93 0.70 —
Operating CF/Net income
0.43 1.19 2.43 1.26 0.64 0.70 1.26 0.91 —
Capex/Depreciation
(2.12) (18.85) (0.98) (0.48) (2.01) (2.04) 0.00 0.00 —
Interest Coverage
— — — — — — (36.93) (155.01) —
ROE
11.67% 7.73% 3.52% 13.41% (146.61%) 94.85% 91.33% 48.17% —
ROA
8.57% 5.75% 2.73% 10.47% (35.07%) (30.94%) (28.17%) (67.95%) —
ROIC
6.53% 5.90% (0.54%) 53.52% (201.69%) 0.00% 0.00% 0.00% —
Return on Tangible Assets
24.27% 10.83% 4.09% 13.21% (45.09%) (33.67%) (28.33%) (83.35%) —
Average Days of Receivables
115.68 94.35 96.18 88.09 73.42 65.17 241.88 384.45 —
Research and Development Expense of Revenue
5.85% 7.81% 11.37% 10.40% 11.82% 8.07% 13.96% 29.06% —
Selling, General and Administrative Expense of Revenue
35.98% 38.33% 43.44% 36.16% 113.39% 83.81% 78.00% 130.67% —
Intangible Assets out of Total Assets
0.04 0.04 0.04 0.01 0.01 0.01 0.01 0.02 0.00
Share Based Compensation of Revenue
1.30% 3.13% 5.09% 4.00% 7.05% 7.52% 0.00% 0.00% —
Graham Net Nets
0.42 0.95 1.39 0.52 1.43 (0.30) (0.30) (0.30) —
Graham Number
3.10 2.38 1.54 3.02 0.00 0.00 0.00 0.00 —
Earnings Yield
11.05% 11.86% 5.89% 7.10% (86.96%) (15.59%) (15.59%) (15.59%) —
Free Cash Flow Yield
32.82% 3.98% (34.71%) 0.00% 0.00% 0.00% 0.00% 0.00% —
Revenue per Share
1.57 1.04 0.98 1.04 1.68 3.95 0.56 0.09 —
Operating CF per Share
0.10 0.16 0.15 0.28 (0.58) (1.01) (0.22) (0.08) —
Capex per Share
(0.01) (0.08) 0.00 0.00 (0.02) (0.03) 0.00 0.00 —
Free Cash Flow per Share
0.08 0.08 0.15 0.28 (0.59) (1.05) (0.22) (0.08) —
Cash per Share
0.66 1.17 1.48 1.56 1.81 3.28 0.49 0.15 —
Shareholders Equity per Share
2.04 1.80 1.71 1.76 2.09 (2.16) 0.56 0.10 —
Interest Debt per Share
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 —
Book value per Share
2.04 1.80 1.71 1.76 2.09 (2.16) 0.56 0.10 —
Free Cash Flow
30.66 30.00 55.39 109.43 (177.81) (123.19) (84.80) (31.89) —
Working Capital
298.63 431.98 571.39 662.44 593.78 499.84 227.87 40.82 —
Capital Expenditures
(4.22) (29.90) (1.87) (1.59) (5.72) (4.09) (1.95) (1.13) —
Net Current Asset Value
290.56 408.51 544.16 657.45 589.38 (280.36) 198.11 37.25 —
EV/EBIT
8.63 1.31 151.55 9.53 0.41 0.00 0.00 0.00 —
Capex to Sales
0.01 0.08 0.01 0.00 0.01 0.01 0.00 0.00 —
Price to Operating Income
12.95 17.65 0.00 18.33 0.00 0.00 0.00 0.00 —
Other line items
Depreciation/Fixed assets
0.05 0.05 0.40 0.73 0.40 0.46 0.09 0.26 —
Cash ROIC
3.12% 2.69% 4.51% 8.38% (15.13%) (87.02%) (20.10%) (31.05%) —
Accounts Receivable Turnover
4.09 3.88 3.79 4.08 5.47 4.03 2.40 0.39 —
Accounts Payable Turnover
0.00 0.00 0.00 1.63 1.65 1.64 1.20 0.20 —
Inventory Turnover
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 —
Average Days of Payables
0.00 0.00 0.00 0.00 0.00 0.00 398.03 1,271.21 —
Days of Inventory on Hand
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 —
Average Receivables
139.21 97.89 97.83 99.62 92.03 115.16 92.69 92.69 —
Average Payables
— — — 90.90 100.17 69.42 35.07 35.07 —
Average Assets
949.78 875.08 862.33 841.29 772.51 548.76 239.69 51.47 —
Average Common Equity
696.98 651.56 668.45 657.27 184.78 (178.99) (73.92) (72.61) —

Fold the line items

Columns are period end dates