Yuanbao Inc. American Depositary Shares(YB)Earnings, Financials & Key Ratios
YB•NASDAQ•Insurance & Managed Care
0.9× P/E·Price updated Jun 19, 2026
SectorFinancial ServicesIndustryDiversified InsuranceSub-IndustryInsurance brokers and holding companies
AboutYuanbao Inc., through its subsidiaries, provides online insurance distribution and services in the People's Republic of China. The company offers medical, critical illness, life, and other insurance products. It also provides system services, including precise marketing, analytics, and other system services. Yuanbao Inc. was incorporated in 2019 and is headquartered in Beijing, the People's Republic of China.Show more
- Revenue$3.28B+60.6%
- Combined Ratio73.86%-19.2%
- Net Income$866M+326.3%
- Medical Cost Ratio5.06%-24.9%
- Operating Margin26.14%+204.9%
- Net Margin26.36%+165.4%
- ROA40.27%+157.5%
- Equity / Assets-58.78%+58.2%
YB Key Insights
Yuanbao Inc. American Depositary Shares (YB) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Profitable underwriting: 73.9% combined ratio
- ✓Strong Piotroski F-Score: 8/9
- ✓Low loss ratio of 5.1%
✗Weaknesses
- ✗Weak momentum: RS Rating 20 (bottom 20%)
- ✗Trading more than 30% below 52-week high
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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YB Price & Volume
Yuanbao Inc. American Depositary Shares (YB) stock price & volume — 10-year historical chart
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YB Growth Metrics
Yuanbao Inc. American Depositary Shares (YB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years-
3 Years104.25%
TTM78.31%
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM228.92%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM611.24%
Return on Capital
10 Years1.61%
5 Years1.61%
3 Years27.89%
Last Year63.01%
YB Recent Earnings
Yuanbao Inc. American Depositary Shares (YB) EPS & revenue vs analyst estimates — last 4 quarters
●Beat Revenue 0/12 qtrs (0%)
Q3 2026Latest
Jun 10, 2026Metric
Actual
Est
EPS
$1.22
—
Rev
$191M
—
Q2 2026
Mar 18, 2026Metric
Actual
Est
EPS
$1.05
—
Rev
$168M
—
Q4 2025
Dec 3, 2025Metric
Actual
Est
EPS
$1.14
—
Rev
$163M
—
Q3 2025
Aug 27, 2025Metric
Actual
Est
EPS
$0.92
—
Rev
$149M-87.1%
$1.2B
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q3 2026Latest | Jun 10, 2026 | $1.22 | $191M |
| Q2 2026 | Mar 18, 2026 | $1.05 | $168M |
| Q4 2025 | Dec 3, 2025 | $1.14 | $163M |
| Q3 2025 | Aug 27, 2025 | $0.92 | $149Mvs $1.2B-87.1% |
Based on last 12 quarters of dataView full earnings history →
YB Peer Comparison
Yuanbao Inc. American Depositary Shares (YB) competitors in Insurance brokers and holding companies — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 WDH | 460.17M | 1.24 | 0.57 | 39.6% | 14.98% | 9.15% | 0.01 | |
 ACMR | 7.28B | 109.87 | 80.20 | 15.24% | 9.48% | 5.13% | 0.16 | |
 FINV | 1.18B | 4.67 | 3.38 | 1.03% | 18.75% | 6.05% | 0.08 | |
 QFIN | 1.98B | 15.21 | 1.20 | 8.83% | 33.86% | 24.95% | 0.16 | |
 LX | 337.33M | 2.00 | 1.48 | -9.94% | 11.52% | 14.68% | 0.40 | |
 CNF | 1.04M | 3.09 | -0.02 | -60.88% | -14.04% | -1.25% | 1.18 | |
 BIDU | 38.01B | 111.76 | 64.26 | -3.04% | 3.48% | 0.21% | 0.34 | |
 BABA | 249.84B | 107.06 | 16.45 | 2.74% | 10.12% | 9.35% | 0.23 |
Compare YB vs Peers
Yuanbao Inc. American Depositary Shares (YB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
YB Income Statement
Yuanbao Inc. American Depositary Shares (YB) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|
Revenue | 385.44M | 850.25M | 2.05B | 3.28B | 4.09B |
Revenue Growth % | - | 120.59% | 140.54% | 60.6% | 78.31% |
Medical Costs & Claims | 63.14M | 62.88M | 137.96M | 166.33M | 173.3M |
Medical Cost Ratio % | 16.38% | 7.4% | 6.75% | 5.06% | 4.24% |
Gross Profit | 322.31M▲ 0% | 787.37M▲ 144.3% | 1.91B▲ 142.2% | 3.12B▲ 63.5% | 3.91B▲ 0% |
Gross Margin % | 83.62% | 92.6% | 93.25% | 94.94% | 95.76% |
Gross Profit Growth % | - | 144.29% | 142.22% | 63.5% | - |
Operating Expenses | 725.91M | 803.54M | 1.73B | 2.26B | 2.68B |
OpEx / Revenue % | 188.33% | 94.51% | 84.68% | 68.79% | 65.64% |
Depreciation & Amortization | 8.43M | 9.52M | 16.14M | 14.95M | 6.04M |
Combined Ratio % | 204.71% | 101.9% | 91.43% | 73.86% | 69.88% |
Operating Income | -403.61M▲ 0% | -16.16M▲ 96.0% | 175.36M▲ 1184.8% | 858.61M▲ 389.6% | 1.23B▲ 0% |
Operating Margin % | -104.71% | -1.9% | 8.57% | 26.14% | 30.12% |
Operating Income Growth % | - | 95.99% | 1184.8% | 389.63% | - |
EBITDA | -395.17M | -6.65M | 191.5M | 873.55M | 1.24B |
EBITDA Margin % | -102.52% | -0.78% | 9.36% | 26.6% | 30.27% |
Interest Expense | 0 | 0 | 0 | 0 | 0 |
Non-Operating Income | 0 | 0 | 0 | 0 | 0 |
Pretax Income | -399.86M▲ 0% | -2.34M▲ 99.4% | 205.48M▲ 8888.6% | 891.41M▲ 333.8% | 1.3B▲ 0% |
Pretax Margin % | -103.74% | -0.27% | 10.05% | 27.14% | 31.74% |
Income Tax | 0 | 12K | 291K | 25.57M | 34.78M |
Effective Tax Rate % | 0% | -0.51% | 0.14% | 2.87% | 2.68% |
Net Income | -441.51M▲ 0% | 18.75M▲ 104.2% | 203.12M▲ 983.2% | 865.85M▲ 326.3% | 1.26B▲ 0% |
Net Margin % | -114.55% | 2.21% | 9.93% | 26.36% | 30.89% |
Net Income Growth % | - | 104.25% | 983.18% | 326.28% | 228.92% |
EPS (Diluted) | -162.09▲ 0% | -57.95▲ 64.2% | -44.33▲ 23.5% | 115.24▲ 360.0% | 156.79▲ 0% |
EPS Growth % | - | 64.25% | 23.5% | 359.96% | 611.24% |
EPS (Basic) | -162.09 | -57.95 | -44.33 | 115.24 | - |
Diluted Shares Outstanding | 7.51M | 7.51M | 7.51M | 7.51M | 8.05M |
YB Balance Sheet
Yuanbao Inc. American Depositary Shares (YB) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|
Total Assets | 790.33M | 1.08B | 1.52B | 2.78B | 4.26B |
Asset Growth % | - | 36.27% | 41.19% | 82.79% | 158.52% |
Total Investment Assets | 48.47M | 267.82M | 261.82M | 416.22M | 4M |
Long-Term Investments | 0 | 0 | 0 | 0 | 52.17M |
Short-Term Investments | 48.47M | 267.82M | 261.82M | 416.22M | 3.21B |
Total Current Assets | 716.95M | 990.58M | 1.41B | 2.67B | 4.1B |
Cash & Equivalents | 528.87M | 373.56M | 863.12M | 1.9B | 477.57M |
Receivables | 56.04M | 222.78M | 254.27M | 260.52M | 1.32B |
Other Current Assets | 72.92M | 118.79M | 13.54M | 16.77M | 41.51M |
Goodwill & Intangibles | 57.89M | 58.12M | 58.21M | 58.05M | 239.11M |
Goodwill | 0 | 0 | 0 | 0 | 0 |
Intangible Assets | 57.89M | 58.12M | 58.21M | 58.05M | 65.03M |
PP&E (Net) | 6.77M | 22.97M | 34.68M | 24.23M | 18.21M |
Other Assets | 8.72M | 5.34M | 17.52M | 17.61M | 18.59M |
Total Liabilities | 2.28B | 2.96B | 3.66B | 4.41B | 1.27B |
Total Debt | 3.43M | 24.23M | 31.02M | 19.16M | 11.56M |
Net Debt | -525.45M | -349.33M | -832.1M | -1.89B | -466.01M |
Long-Term Debt | 0 | 0 | 0 | 0 | 0 |
Short-Term Debt | 0 | 0 | 0 | 0 | 0 |
Total Current Liabilities | 267.75M | 472.48M | 634.15M | 940.81M | 1.2B |
Accounts Payable | 4.74M | 9.71M | 17.08M | 10.68M | 14.83M |
Deferred Revenue | 117.05M | 46.44M | 67.48M | 117.65M | 97.17M |
Other Current Liabilities | 98.8M | 108.66M | 10.74M | 59.96M | 141.09M |
Deferred Taxes | 1000K | 1000K | 1000K | 1000K | 215.34M |
Other Liabilities | 2B | 2.46B | 2.99B | 3.42B | 62.1M |
Total Equity | -1.49B▲ 0% | -1.88B▼ 25.9% | -2.14B▼ 13.7% | -1.63B▲ 23.6% | 3B▲ 0% |
Equity Growth % | - | -25.86% | -13.67% | 23.56% | 285.01% |
Shareholders Equity | -1.49B | -1.88B | -2.14B | -1.63B | 3B |
Minority Interest | 0 | 0 | 0 | 0 | 0 |
Retained Earnings | -1.52B | -1.95B | -2.29B | -1.93B | -180.2M |
Common Stock | 16K | 32K | 54K | 71K | 189K |
Accumulated OCI | -5.79M | 11.8M | 15.29M | 99.6M | 13.55M |
Return on Equity (ROE) | - | - | - | - | 189.16% |
Return on Assets (ROA) | -55.86% | 2.01% | 15.64% | 40.27% | 35.57% |
Equity / Assets | -189.03% | -174.59% | -140.56% | -58.78% | 70.27% |
Debt / Equity | - | - | - | - | 0.00x |
Book Value per Share | -198.80 | -250.22 | -284.42 | -217.41 | 372.03 |
Tangible BV per Share | -206.51 | -257.95 | -292.17 | -225.13 | 363.96 |
YB Cash Flow Statement
Yuanbao Inc. American Depositary Shares (YB) cash flow — operating, investing & free cash flow history
| Metric | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|
Cash from Operations | -244.99M | 87.72M | 441.97M | 1.21B | 277.19M |
Operating CF Growth % | - | 135.81% | 403.85% | 173.23% | -28.4% |
Operating CF / Revenue % | -63.56% | 10.32% | 21.61% | 36.77% | 6.78% |
Net Income | -399.86M | -2.35M | 205.19M | 865.85M | 1.26B |
Depreciation & Amortization | 8.43M | 9.52M | 16.14M | 14.95M | 3.87M |
Stock-Based Compensation | 17.13M | 27.07M | 37.11M | 64.02M | 77.94M |
Deferred Taxes | 0 | 0 | 21K | 24.74M | 9.28M |
Other Non-Cash Items | 23.04M | 28.9M | 13.67M | 1.34M | -1.04B |
Working Capital Changes | 106.27M | 24.58M | 169.85M | 236.71M | -34.58M |
Cash from Investing | -90.44M | -218.93M | -45.26M | -157.57M | -153.44M |
Capital Expenditures | -3.15M | -2.44M | -4.64M | -3.34M | -335K |
Acquisitions | -20.2M | -6.3M | 0 | 0 | 0 |
Purchase of Investments | -232M | -548.69M | -1B | -3.9B | -1.74B |
Sale/Maturity of Investments | 187M | 328.6M | 1.01B | 3.74B | 1.59B |
Other Investing | -22.08M | 9.9M | -46.38M | 63K | 0 |
Cash from Financing | 726.37M | 0 | 18.05M | -9.11M | -6.31M |
Dividends Paid | 0 | 0 | 0 | 0 | 0 |
Share Repurchases | 0 | 0 | 0 | 0 | 0 |
Stock Issued | 0 | 0 | 0 | 0 | 0 |
Debt Issuance (Net) | 0 | 0 | 0 | 0 | 0 |
Other Financing | 0 | 0 | 18.05M | -9.11M | -6.31M |
Net Change in Cash | 378.92M▲ 0% | -106.37M▼ 128.1% | 421.35M▲ 496.1% | 1.05B▲ 148.2% | -1.79B▲ 0% |
Exchange Rate Effect | -12.03M | 24.84M | 6.59M | 4.85M | 7.66M |
Cash at Beginning | 180.02M | 558.93M | 452.56M | 873.91M | 0 |
Cash at End | 558.93M | 452.56M | 873.91M | 1.92B | 0 |
Free Cash Flow | -248.14M▲ 0% | 85.28M▲ 134.4% | 437.33M▲ 412.8% | 1.2B▲ 175.4% | 276.85M▲ 0% |
FCF Growth % | - | 134.37% | 412.83% | 175.37% | -53.37% |
FCF Margin % | -64.38% | 10.03% | 21.38% | 36.66% | 6.77% |
FCF per Share | -33.02 | 11.35 | 58.2 | 160.25 | 34.38 |
YB Key Ratios
Yuanbao Inc. American Depositary Shares (YB) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2022 | 2023 | 2024 | TTM |
|---|---|---|---|---|
Combined Ratio | 101.9% | 91.43% | 73.86% | 69.88% |
Medical Cost Ratio | 7.4% | 6.75% | 5.06% | 4.24% |
Return on Equity (ROE) | - | - | - | 189.16% |
Return on Assets (ROA) | 2.01% | 15.64% | 40.27% | 35.57% |
Equity / Assets | -174.59% | -140.56% | -58.78% | 70.27% |
Book Value / Share | -250.22 | -284.42 | -217.41 | 372.03 |
Debt / Equity | - | - | - | 0.00x |
Revenue Growth | 120.59% | 140.54% | 60.6% | 78.31% |
Related:YB Dividend History·YB Revenue History·YB Price History·YB P/E History·YB Financial Ratios·YB Institutional Holders
YB Frequently Asked Questions
Yuanbao Inc. American Depositary Shares (YB) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
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 $1.26B in net income for fiscal year 2024 (26.4% net margin).
Industry Metrics
Yuanbao Inc. American Depositary Shares (YB) has a combined ratio of 73.9%. A ratio below 100% indicates underwriting profitability.