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Waterdrop Inc. Unsponsored ADR (WDH) vs Exzeo Group, Inc. (XZO)

Waterdrop Inc. Unsponsored ADR and Exzeo Group, Inc. are both Insurance Diversified companies. Exzeo Group, Inc. is the larger, with a market value of $1.5B against $283.5M — 5.3× the size. Waterdrop Inc. Unsponsored ADR trades at the lower P/E: 4.8× against 17.0×. Exzeo Group, Inc. has the higher net margin (39.5% vs 10.8%) and the higher return on invested capital (44.4% vs 6.46%). Across the 17 metrics below, Waterdrop Inc. Unsponsored ADR leads on 9 and Exzeo Group, Inc. on 8.

Valuation

Metric WDH XZO Insurance Diversified median
P/E 4.81 16.99 11.63
P/S 0.49 6.62 1.61
P/B 0.46 5.10 1.53
Price to free cash flow 1.61 18.02 6.29
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 20.79% 5.89% 7.48%
Free cash flow yield 62.19% 5.55% 15.90%

Profitability

Metric WDH XZO Insurance Diversified median
Gross margin 57.13% 62.32% 53.26%
Operating margin 7.68% 48.51% 18.04%
Net margin 10.75% 39.45% 15.94%
Free cash flow margin 0.00% 36.76% 20.02%
Return on equity 10.75% 57.63% 12.08%
Return on assets 7.69% 45.36% 5.06%
Return on invested capital 6.46% 44.41% 9.01%

Growth

Metric WDH XZO Insurance Diversified median
Revenue growth (TTM) 80.88% — (1.11%)
EPS growth (last fiscal year) 70.28% 69.29% 28.70%
Revenue growth, 5-year CAGR 4.16% — 8.63%
Net income growth, 5-year CAGR 0.00% — 10.84%

Health

Metric WDH XZO Insurance Diversified median
Debt to equity 0.09 0.00 0.22
Current ratio 2.19 1.85 0.48
Net debt to EBITDA (4.16) (2.80) 0.17

Dividend

Metric WDH XZO Insurance Diversified median
Dividend yield 5.94% — 2.07%
Payout ratio 0.29 — 0.16

Size

Metric WDH XZO Insurance Diversified median
Market cap 283.50m 1.50b 12.21b

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