Yuanbao Inc. - Sponsored ADR
YB Technology Software Application
Yuanbao Inc. - Sponsored ADR’s revenue for fiscal 2025 (year ended December 2025) was $608.3 million, up 33.1% from fiscal 2024. In the quarter to June 2026, revenue grew 37.4%, EPS grew 14.3% and total debt fell 97.6%, each against the same quarter a year earlier.
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Yuanbao Inc. - Sponsored ADR (YB) Altman Z-score
Yuanbao Inc. - Sponsored ADR's Altman Z-score for fiscal 2025 is 5.13, in the safe zone (above 2.99).
Altman Z-score, annual
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Annual newest first
| Period | Altman Z-score | Change (points) |
|---|---|---|
| FY2025 | 5.13 | — |
How fiscal 2025’s score is made up
| Component | This year | Year before | Result | Points |
|---|---|---|---|---|
| Working capital / total assets | 0.71 | — | 0.86 | |
| Retained earnings / total assets | (0.02) | — | −0.02 | |
| EBIT / total assets | 0.29 | — | 0.95 | |
| Market value of equity / total liabilities | 4.01 | — | 2.41 | |
| Sales / total assets | 0.94 | — | 0.94 | |
| Altman Z-score | Safe zone | 5.13 | ||
| Z″ Variant for non-manufacturing and asset-light companies (drops the sales/assets term, uses book equity) | Safe zone | 9.24 | ||
How the Altman Z-score works
Z = 1.2 × working capital ÷ total assets + 1.4 × retained earnings ÷ total assets + 3.3 × EBIT ÷ total assets + 0.6 × market value of equity ÷ total liabilities + 1.0 × revenue ÷ total assets (Altman, 1968). The market value of equity is the close on the last trading day of the fiscal year times weighted basic shares.
Z″ = 6.56 × working capital ÷ total assets + 3.26 × retained earnings ÷ total assets + 6.72 × EBIT ÷ total assets + 1.05 × book equity ÷ total liabilities (Altman, Hartzell and Peck, 1995), the variant for non-manufacturing and asset-light companies.
| Zone | Z | Z″ |
|---|---|---|
| Safe zone | above 2.99 | above 2.60 |
| Grey zone | 1.81–2.99 | 1.10–2.60 |
| Distress zone | below 1.81 | below 1.10 |
Not worked out for banks, insurers and REITs, whose balance sheets the model does not describe, nor when a figure is missing or there is no share price in the week to the fiscal year end.
Altman Z-score against peers
| Company | Altman Z-score |
|---|---|
| PLTS Platinum Analytics Cayman Limited compare | 136× |
| MFI mF International Limited compare | 19.8× |
| YB Yuanbao Inc. - Sponsored ADR | 5.1× |
| HKD AMTD Digital Inc. Sponsored ADR compare | 2.2× |
| RMNI Rimini Street, Inc. compare | 1.1× |
| API Agora, Inc. Sponsored ADR compare | 1.0× |
| QH Quhuo Limited Sponsored ADR compare | −0.2× |
| CRNC Cerence Inc. compare | −0.9× |
| ENRD Einride AB - Sponsored ADR compare | — |
What Altman Z-score is
The Altman Z-Score weighs working capital, retained earnings, operating profit, market value and sales against assets and debts to gauge the risk of distress.
1.2 × working capital ÷ total assets + 1.4 × retained earnings ÷ total assets + 3.3 × EBIT ÷ total assets + 0.6 × market value of equity ÷ total liabilities + 1.0 × revenue ÷ total assets