| Name | Market Cap | Current Price | P/E Ratio | Revenue Growth 1Y | Net Margin | ROE | FCF Yield | Debt/Equity |
|---|---|---|---|---|---|---|---|---|
| ZBAOZhibao Technology Inc. Class A Ordinary Shares | 16.02M | 0.97 | 16.74 | 28.86% | 8.3% | 42.39% | 0.47 | |
| WDHWaterdrop Inc. | 503.83M | 1.79 | 0.18 | 5.36% | 14.98% | 8.92% | 43.43% | 0.05 |
| YBYuanbao Inc. American Depositary Shares | 658.52M | 20.33 | 0.18 | 60.6% | 23.34% | 100% | ||
| HUIZHuize Holding Limited | 19.48M | 2.27 | -1.77 | 4.46% | 1.35% | 4.21% | 0.21 | |
| TIRXTian Ruixiang Holdings Ltd | 12.13M | 0.46 | -3.87 | 158.74% | -11.06% | -12.03% | 7.4% | 0.03 |
| Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|
| Revenue | 385.44M | 850.25M | 2.05B | 3.28B |
| Revenue Growth % | - | 1.21% | 1.41% | 0.61% |
| Medical Costs & Claims | 63.14M | 62.88M | 137.96M | 166.33M |
| Medical Cost Ratio % | - | - | - | - |
| Gross Profit | 322.31M | 787.37M | 1.91B | 3.12B |
| Gross Margin % | - | - | - | - |
| Gross Profit Growth % | - | 1.44% | 1.42% | 0.63% |
| Operating Expenses | 725.91M | 803.54M | 1.73B | 2.26B |
| OpEx / Revenue % | - | - | - | - |
| Depreciation & Amortization | 8.43M | 9.52M | 16.14M | 14.95M |
| Combined Ratio % | - | - | - | - |
| Operating Income | -403.61M | -16.16M | 175.36M | 858.61M |
| Operating Margin % | - | - | - | - |
| Operating Income Growth % | - | 0.96% | 11.85% | 3.9% |
| EBITDA | -395.17M | -6.65M | 191.5M | 873.55M |
| EBITDA Margin % | - | - | - | - |
| Interest Expense | 0 | 0 | 0 | 0 |
| Non-Operating Income | 0 | 0 | 0 | 0 |
| Pretax Income | -399.86M | -2.34M | 205.48M | 891.41M |
| Pretax Margin % | - | - | - | - |
| Income Tax | 0 | 12K | 291K | 25.57M |
| Effective Tax Rate % | - | - | - | - |
| Net Income | -441.51M | 18.75M | 203.12M | 865.85M |
| Net Margin % | - | - | - | - |
| Net Income Growth % | - | 1.04% | 9.83% | 3.26% |
| EPS (Diluted) | -162.09 | -57.95 | -44.33 | 115.24 |
| EPS Growth % | - | 0.64% | 0.24% | 3.6% |
| EPS (Basic) | -162.09 | -57.95 | -44.33 | 115.24 |
| Diluted Shares Outstanding | 7.51M | 7.51M | 7.51M | 7.51M |
| Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|
| Total Assets | 790.33M | 1.08B | 1.52B | 2.78B |
| Asset Growth % | - | 0.36% | 0.41% | 0.83% |
| Total Investment Assets | 48.47M | 267.82M | 261.82M | 416.22M |
| Long-Term Investments | 0 | 0 | 0 | 0 |
| Short-Term Investments | 48.47M | 267.82M | 261.82M | 416.22M |
| Total Current Assets | 716.95M | 990.58M | 1.41B | 2.67B |
| Cash & Equivalents | 528.87M | 373.56M | 863.12M | 1.9B |
| Receivables | 1000K | 1000K | 1000K | 1000K |
| Other Current Assets | 72.92M | 118.79M | 13.54M | 16.77M |
| Goodwill & Intangibles | 57.89M | 58.12M | 58.21M | 58.05M |
| Goodwill | 0 | 0 | 0 | 0 |
| Intangible Assets | 57.89M | 58.12M | 58.21M | 58.05M |
| PP&E (Net) | 6.77M | 22.97M | 34.68M | 24.23M |
| Other Assets | 8.72M | 5.34M | 17.52M | 17.61M |
| Total Liabilities | 2.28B | 2.96B | 3.66B | 4.41B |
| Total Debt | 3.43M | 24.23M | 31.02M | 19.16M |
| Net Debt | -525.45M | -349.33M | -832.1M | -1.89B |
| Long-Term Debt | 0 | 0 | 0 | 0 |
| Short-Term Debt | 0 | 0 | 0 | 0 |
| Total Current Liabilities | 267.75M | 472.48M | 634.15M | 940.81M |
| Accounts Payable | 4.74M | 9.71M | 17.08M | 10.68M |
| Deferred Revenue | 117.05M | 46.44M | 67.48M | 117.65M |
| Other Current Liabilities | 98.8M | 108.66M | 10.74M | 59.96M |
| Deferred Taxes | 1000K | 1000K | 1000K | 1000K |
| Other Liabilities | 2B | 2.46B | 2.99B | 3.42B |
| Total Equity | -1.49B | -1.88B | -2.14B | -1.63B |
| Equity Growth % | - | -0.26% | -0.14% | 0.24% |
| Shareholders Equity | -1.49B | -1.88B | -2.14B | -1.63B |
| Minority Interest | 0 | 0 | 0 | 0 |
| Retained Earnings | -1.52B | -1.95B | -2.29B | -1.93B |
| Common Stock | 16K | 32K | 54K | 71K |
| Accumulated OCI | -5.79M | 11.8M | 15.29M | 99.6M |
| Return on Equity (ROE) | - | - | - | - |
| Return on Assets (ROA) | -0.56% | 0.02% | 0.16% | 0.4% |
| Equity / Assets | - | - | - | - |
| Debt / Equity | - | - | - | - |
| Book Value per Share | -198.80 | -250.22 | -284.42 | -217.41 |
| Tangible BV per Share | - | - | - | - |
| Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|
| Cash from Operations | -244.99M | 87.72M | 441.97M | 1.21B |
| Operating CF Growth % | - | 1.36% | 4.04% | 1.73% |
| Operating CF / Revenue % | - | - | - | - |
| Net Income | -399.86M | -2.35M | 205.19M | 865.85M |
| Depreciation & Amortization | 8.43M | 9.52M | 16.14M | 14.95M |
| Stock-Based Compensation | 17.13M | 27.07M | 37.11M | 64.02M |
| Deferred Taxes | 0 | 0 | 21K | 24.74M |
| Other Non-Cash Items | 23.04M | 28.9M | 13.67M | 1.34M |
| Working Capital Changes | 106.27M | 24.58M | 169.85M | 236.71M |
| Cash from Investing | -90.44M | -218.93M | -45.26M | -157.57M |
| Capital Expenditures | -3.15M | -2.44M | -4.64M | -3.34M |
| Acquisitions | -20.2M | -6.3M | 0 | 0 |
| Purchase of Investments | -232M | -548.69M | -1B | -3.9B |
| Sale/Maturity of Investments | 1000K | 1000K | 1000K | 1000K |
| Other Investing | -22.08M | 9.9M | -46.38M | 63K |
| Cash from Financing | 726.37M | 0 | 18.05M | -9.11M |
| Dividends Paid | 0 | 0 | 0 | 0 |
| Share Repurchases | 0 | 0 | 0 | 0 |
| Stock Issued | 0 | 0 | 0 | 0 |
| Debt Issuance (Net) | 0 | 0 | 0 | 0 |
| Other Financing | 0 | 0 | 18.05M | -9.11M |
| Net Change in Cash | 378.92M | -106.37M | 421.35M | 1.05B |
| Exchange Rate Effect | -1000K | 1000K | 1000K | 1000K |
| Cash at Beginning | 180.02M | 558.93M | 452.56M | 873.91M |
| Cash at End | 558.93M | 452.56M | 873.91M | 1.92B |
| Free Cash Flow | -248.14M | 85.28M | 437.33M | 1.2B |
| FCF Growth % | - | 1.34% | 4.13% | 1.75% |
| FCF Margin % | - | - | - | - |
| FCF per Share | -33.02 | 11.35 | 58.2 | 160.25 |
| Metric | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Combined Ratio | 204.71% | 101.9% | 91.43% | 73.86% |
| Medical Cost Ratio | 16.38% | 7.4% | 6.75% | 5.06% |
| Return on Assets (ROA) | -55.86% | 2.01% | 15.64% | 40.27% |
| Equity / Assets | -189.03% | -174.59% | -140.56% | -58.78% |
| Book Value / Share | -198.8 | -250.22 | -284.42 | -217.41 |
| Revenue Growth | - | 120.59% | 140.54% | 60.6% |
Yuanbao Inc. American Depositary Shares (YB) has a price-to-earnings (P/E) ratio of 0.2x. This may indicate the stock is undervalued or faces growth challenges.
Yuanbao Inc. American Depositary Shares (YB) grew revenue by 60.6% over the past year. This is strong growth.
Yes, Yuanbao Inc. American Depositary Shares (YB) is profitable, generating $662.2M in net income for fiscal year 2024 (26.4% net margin).
Yuanbao Inc. American Depositary Shares (YB) has a combined ratio of 73.9%. A ratio below 100% indicates underwriting profitability.