Symbols / WDH Stock $1.56 -1.27% Waterdrop Inc.

Financial Services • Insurance - Diversified • China • NYQ
WDH (Stock) Chart
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Stock Fundamentals
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Index EQUITY
Sector Financial Services
Industry Insurance - Diversified
CEO Dr. Peng Shen
Exch · Country NYQ · China
Market Cap 560.51M
Enterprise Value 4.66B
Income 568.94M
Sales 3.98B
FCF (ttm) -77.58M
Book/sh 2.07
Cash/sh 0.28
Employees —
Insider 10d —
IPO May 07, 2021
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 23.92%
P/E 7.09
Forward P/E 9.49
PEG —
P/S 0.14
P/B 0.75
P/C —
EV/EBITDA 12.12
EV/Sales 1.17
Quick Ratio 1.67
Current Ratio 2.10
Debt/Eq 1.37
LT Debt/Eq —
EPS (ttm) 0.22
EPS next Y 0.16
EPS Growth 45.40%
Revenue Growth 105.50%
EPS Gr Q/Q 62.70%
Rev Gr Q/Q —
Earnings (next) 2026-06-04
Earnings (prior) 2025-12-03
ROA 3.42%
ROE 11.27%
ROIC —
Gross Margin 51.15%
Oper. Margin 5.94%
Profit Margin 14.30%
Shs Outstand 279.11M
Shs Float 1.41B
Insider Own 2.54%
Instit Own 10.26%
Short Float 0.05%
Short Ratio 0.35
Short Interest 63.91K
52W High 2.18
vs 52W High -28.44%
52W Low 1.29
vs 52W Low 20.93%
Beta -0.16
Impl. Vol. —
Rel Volume 0.52
Avg Volume 216.38K
Volume 113.47K
Target (mean) $2.31
Tgt Median $2.44
Tgt Low $1.38
Tgt High $2.99
# Analysts 4
Recom None
Prev Close $1.58
Price $1.56
Change -1.27%
About

Waterdrop Inc., through its subsidiaries, provides online insurance brokerage services to match and connect users with related insurance products underwritten by insurance companies in the People's Republic of China. The company offers short-term and long-term health and life insurance products and services. It also operates a medical crowdfunding platform; and E-Find, a clinical trial patient recruitment platform for pharmaceutical companies to find matches for clinical trials. In addition, the company provides technical services to insurance brokerage or agency companies through customer relationship management systems. Waterdrop Inc. was founded in 2016 and is headquartered in Beijing, the People's Republic of China.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$2.31
Mean price target
2. Current target
$1.56
Latest analyst target
3. DCF / Fair value
$-5.00
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$1.56
Low
$1.38
High
$2.99
Mean
$2.31

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2023-09-08 main Goldman Sachs Buy → Buy $3
2022-12-07 main Goldman Sachs — → Buy $3
2022-09-16 up Morgan Stanley Equal-Weight → Overweight $2
2022-03-25 down Morgan Stanley Overweight → Equal-Weight $2
2021-12-02 down CLSA Buy → Outperform —
2021-06-02 init Morgan Stanley — → Overweight $12
2021-06-01 init CLSA — → Buy $16
2021-06-01 init Goldman Sachs — → Buy $11
2021-06-01 init B of A Securities — → Buy $12
News
RSS: Latest WDH news
Insider Transactions

No recent insider transactions.

Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
3,977.76
+43.51%
2,771.82
+5.36%
2,630.71
-6.11%
2,801.77
Operating Revenue
3,956.50
+45.33%
2,722.49
+4.55%
2,604.09
-6.14%
2,774.42
Cost Of Revenue
2,229.20
+38.27%
1,612.19
+1.65%
1,586.08
+18.70%
1,336.16
Reconciled Cost Of Revenue
2,229.20
+38.27%
1,612.19
+1.65%
1,586.08
+18.70%
1,336.16
Gross Profit
1,748.56
+50.79%
1,159.63
+11.01%
1,044.63
-28.72%
1,465.61
Operating Expense
1,377.70
+40.37%
981.47
-6.65%
1,051.37
+6.45%
987.62
Research And Development
232.68
+7.47%
216.50
-27.61%
299.06
+2.67%
291.29
Selling General And Administration
1,145.02
+49.68%
764.97
+1.68%
752.31
+8.04%
696.33
Selling And Marketing Expense
834.89
+110.13%
397.32
+13.55%
349.92
+13.73%
307.68
General And Administrative Expense
310.13
-15.65%
367.65
-8.63%
402.39
+3.54%
388.65
Other Gand A
310.13
-15.65%
367.65
-8.63%
402.39
+3.54%
388.65
Total Expenses
3,606.90
+39.07%
2,593.66
-1.66%
2,637.45
+13.50%
2,323.78
Operating Income
370.86
+108.16%
178.16
+2742.12%
-6.74
-101.41%
477.99
Total Operating Income As Reported
370.86
+108.16%
178.16
+2742.12%
-6.74
-101.41%
477.99
EBITDA
384.77
+102.80%
189.73
+2685.20%
6.81
-98.64%
500.96
Normalized EBITDA
384.50
+111.60%
181.71
+7256.76%
2.47
-99.50%
496.90
Reconciled Depreciation
13.91
+20.25%
11.57
-14.64%
13.55
-41.00%
22.98
EBIT
370.86
+108.16%
178.16
+2742.12%
-6.74
-101.41%
477.99
Total Unusual Items
0.28
-96.56%
8.02
+84.62%
4.34
+6.84%
4.06
Total Unusual Items Excluding Goodwill
0.28
-96.56%
8.02
+84.62%
4.34
+6.84%
4.06
Net Income
568.94
+54.81%
367.51
+119.78%
167.22
-72.48%
607.72
Pretax Income
543.45
+50.71%
360.59
+119.55%
164.24
-73.96%
630.69
Net Non Operating Interest Income Expense
135.70
-9.00%
149.12
+9.61%
136.04
+66.49%
81.71
Net Interest Income
135.70
-9.00%
149.12
+9.61%
136.04
+66.49%
81.71
Interest Income Non Operating
135.70
-9.00%
149.12
+9.61%
136.04
+66.49%
81.71
Interest Income
135.70
-9.00%
149.12
+9.61%
136.04
+66.49%
81.71
Other Income Expense
36.89
+10.76%
33.31
-4.66%
34.94
-50.78%
70.99
Other Non Operating Income Expenses
36.62
+44.76%
25.30
-17.33%
30.60
-54.28%
66.93
Gain On Sale Of Security
0.28
-96.56%
8.02
+84.62%
4.34
+6.84%
4.06
Tax Provision
-21.61
-322.60%
9.71
+1649.01%
0.56
-97.58%
22.98
Tax Rate For Calcs
0.00
+828.68%
0.00
+696.69%
0.00
-90.72%
0.00
Tax Effect Of Unusual Items
0.07
-68.02%
0.22
+1370.70%
0.01
-90.09%
0.15
Net Income Including Noncontrolling Interests
565.06
+61.04%
350.88
+114.36%
163.69
-73.07%
607.72
Net Income From Continuing Operation Net Minority Interest
568.94
+54.81%
367.51
+119.78%
167.22
-72.48%
607.72
Net Income From Continuing And Discontinued Operation
568.94
+54.81%
367.51
+119.78%
167.22
-72.48%
607.72
Net Income Continuous Operations
565.06
+61.04%
350.88
+114.36%
163.69
-73.07%
607.72
Minority Interests
3.88
-76.67%
16.63
+370.22%
3.54
0.00
Normalized Income
568.73
+58.11%
359.71
+120.82%
162.89
-73.02%
603.80
Net Income Common Stockholders
568.94
+54.81%
367.51
+119.78%
167.22
-72.48%
607.72
Otherunder Preferred Stock Dividend
—
—
0.00
0.00
Diluted EPS
1.50
+50.00%
1.00
+150.00%
0.40
-73.33%
1.50
Basic EPS
1.60
+60.00%
1.00
+150.00%
0.40
-73.33%
1.50
Basic Average Shares
361.53
-0.96%
365.05
-3.16%
376.97
-3.87%
392.14
Diluted Average Shares
371.35
-0.17%
371.98
-4.15%
388.09
-3.52%
402.25
Diluted NI Availto Com Stockholders
568.94
+54.81%
367.51
+119.78%
167.22
-72.48%
607.72
Earnings From Equity Interest Net Of Tax
—
—
—
0.00
Line Item Trend 2025-12-31 2024-12-31 2023-12-31
Total Assets
7,100.83
+10.03%
6,453.66
+4.96%
6,148.66
Current Assets
3,980.79
-14.17%
4,638.07
-14.53%
5,426.44
Cash Cash Equivalents And Short Term Investments
1,013.67
-61.00%
2,598.94
-23.41%
3,393.43
Cash And Cash Equivalents
483.00
-51.03%
986.32
+148.50%
396.90
Other Short Term Investments
530.67
-67.09%
1,612.62
-46.18%
2,996.53
Receivables
2,190.80
+56.31%
1,401.60
+5.58%
1,327.47
Accounts Receivable
1,260.46
+75.99%
716.21
+3.33%
693.11
Gross Accounts Receivable
1,307.08
+75.45%
744.98
+4.58%
712.37
Allowance For Doubtful Accounts Receivable
-46.62
-62.02%
-28.77
-49.36%
-19.26
Receivables Adjustments Allowances
-53.43
+2.23%
-54.65
+0.59%
-54.98
Other Receivables
947.49
+31.73%
719.28
+6.61%
674.66
Taxes Receivable
36.07
+75.90%
20.51
+40.39%
14.61
Prepaid Assets
127.87
+9.35%
116.94
-8.94%
128.43
Restricted Cash
648.45
+24.56%
520.59
-9.80%
577.12
Other Current Assets
—
—
189.85
Total Non Current Assets
3,120.03
+71.85%
1,815.60
+151.39%
722.22
Net PPE
279.65
-2.52%
286.90
+206.09%
93.73
Gross PPE
366.06
+1.44%
360.85
+126.28%
159.47
Accumulated Depreciation
-86.41
-16.84%
-73.95
-12.49%
-65.74
Properties
0.00
0.00
0.00
Buildings And Improvements
234.98
+10.42%
212.80
0.00
Machinery Furniture Equipment
57.42
+4.56%
54.91
-1.78%
55.91
Other Properties
23.95
-48.89%
46.87
-21.69%
59.85
Leases
49.70
+7.44%
46.26
+5.83%
43.71
Goodwill And Other Intangible Assets
257.89
+10.32%
233.76
-9.45%
258.16
Goodwill
80.75
+0.00%
80.75
+0.00%
80.75
Other Intangible Assets
177.14
+15.77%
153.01
-13.75%
177.41
Investments And Advances
2,284.10
+105.01%
1,114.16
+426.15%
211.76
Other Investments
344.66
0.00
—
Non Current Accounts Receivable
295.52
+92.21%
153.75
+14.41%
134.38
Non Current Deferred Assets
2.87
-89.38%
27.03
+11.73%
24.19
Non Current Deferred Taxes Assets
2.87
-89.38%
27.03
+11.73%
24.19
Total Liabilities Net Minority Interest
1,948.90
+23.34%
1,580.10
+7.47%
1,470.21
Current Liabilities
1,892.46
+27.44%
1,484.94
+8.42%
1,369.61
Payables And Accrued Expenses
1,724.70
+50.82%
1,143.58
+2.71%
1,113.40
Payables
1,194.33
+25.63%
950.68
-3.12%
981.31
Accounts Payable
684.80
+27.44%
537.34
-9.23%
591.95
Other Payable
475.78
+21.73%
390.86
+8.06%
361.72
Current Accrued Expenses
530.36
+174.94%
192.90
+46.04%
132.09
Pensionand Other Post Retirement Benefit Plans Current
—
—
—
Total Tax Payable
24.43
+105.99%
11.86
-34.56%
18.12
Current Debt And Capital Lease Obligation
57.89
-75.15%
232.95
+36.65%
170.47
Current Debt
47.00
-76.31%
198.37
+44.21%
137.56
Other Current Borrowings
47.00
-76.31%
198.37
+44.21%
137.56
Current Capital Lease Obligation
10.89
-68.51%
34.57
+5.06%
32.91
Current Deferred Liabilities
46.00
+57.52%
29.20
—
Current Deferred Revenue
46.00
+57.52%
29.20
—
Other Current Liabilities
63.88
-19.36%
79.21
-7.62%
85.75
Total Non Current Liabilities Net Minority Interest
56.44
-40.69%
95.16
-5.41%
100.60
Long Term Debt And Capital Lease Obligation
12.64
+15.21%
10.97
-59.80%
27.29
Long Term Capital Lease Obligation
12.64
+15.21%
10.97
-59.80%
27.29
Non Current Deferred Liabilities
43.80
-47.97%
84.19
+14.84%
73.31
Non Current Deferred Taxes Liabilities
43.80
-47.97%
84.19
+14.84%
73.31
Stockholders Equity
5,151.93
+7.39%
4,797.44
+4.62%
4,585.69
Common Stock Equity
5,151.93
+7.39%
4,797.44
+4.62%
4,585.69
Capital Stock
0.14
+2.88%
0.14
+0.00%
0.14
Common Stock
0.14
+2.88%
0.14
+0.00%
0.14
Preferred Stock
—
—
—
Share Issued
4,084.16
+0.00%
4,084.16
+0.00%
4,084.16
Ordinary Shares Number
3,608.83
-0.44%
3,624.77
-2.08%
3,701.62
Treasury Shares Number
475.33
+3.47%
459.39
+20.09%
382.54
Additional Paid In Capital
6,733.70
-1.44%
6,832.21
-2.44%
7,003.42
Retained Earnings
-1,625.52
+25.93%
-2,194.45
+14.34%
-2,561.96
Gains Losses Not Affecting Retained Earnings
43.62
-72.66%
159.55
+10.72%
144.11
Treasury Stock
0.02
+6.67%
0.01
+25.00%
0.01
Minority Interest
0.00
-100.00%
76.13
-17.92%
92.76
Other Equity Adjustments
43.62
-72.66%
159.55
+10.72%
144.11
Total Equity Gross Minority Interest
5,151.93
+5.71%
4,873.57
+4.17%
4,678.45
Total Capitalization
5,151.93
+7.39%
4,797.44
+4.62%
4,585.69
Working Capital
2,088.33
-33.77%
3,153.13
-22.28%
4,056.83
Invested Capital
5,198.93
+4.07%
4,995.81
+5.77%
4,723.25
Total Debt
70.53
-71.09%
243.92
+23.34%
197.76
Capital Lease Obligations
23.53
-48.34%
45.54
-24.35%
60.20
Net Tangible Assets
4,894.04
+7.24%
4,563.67
+5.46%
4,327.54
Tangible Book Value
4,894.04
+7.24%
4,563.67
+5.46%
4,327.54
Available For Sale Securities
1,135.42
+202.57%
375.26
—
Duefrom Related Parties Current
0.21
-18.68%
0.26
+295.38%
0.07
Dueto Related Parties Current
9.32
-12.17%
10.62
+11.64%
9.51
Held To Maturity Securities
804.02
+8.81%
738.90
—
Investmentin Financial Assets
1,939.44
+74.07%
1,114.16
—
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
243.92
-44.21%
437.25
+7.56%
406.52
-46.91%
765.71
Cash Flow From Continuing Operating Activities
243.92
-44.21%
437.25
+7.56%
406.52
-46.91%
765.71
Net Income From Continuing Operations
565.06
+61.04%
350.88
+114.36%
163.69
-73.07%
607.72
Depreciation Amortization Depletion
13.91
+20.25%
11.57
-14.64%
13.55
-41.00%
22.98
Depreciation
13.78
+20.47%
11.44
-14.72%
13.42
-41.25%
22.84
Amortization Cash Flow
0.13
+0.78%
0.13
-7.25%
0.14
-0.72%
0.14
Depreciation And Amortization
13.91
+20.25%
11.57
-14.64%
13.55
-41.00%
22.98
Amortization Of Intangibles
0.13
+0.78%
0.13
-7.25%
0.14
-0.72%
0.14
Other Non Cash Items
-9.02
+45.82%
-16.64
+16.11%
-19.84
-412.45%
-3.87
Stock Based Compensation
51.77
-40.41%
86.87
-35.11%
133.87
+19.50%
112.03
Provisionand Write Offof Assets
18.04
+42.88%
12.62
+31.01%
9.63
-59.00%
23.50
Asset Impairment Charge
0.00
-100.00%
24.27
+676.82%
3.12
+739.78%
0.37
Operating Gains Losses
0.10
+101.41%
-7.35
-1099.67%
-0.61
+77.18%
-2.69
Net Foreign Currency Exchange Gain Loss
-0.28
+96.56%
-8.02
-84.62%
-4.34
-6.84%
-4.06
Gain Loss On Sale Of PPE
0.06
-91.24%
0.66
-57.56%
1.56
+13.21%
1.38
Change In Working Capital
-395.94
-1485.85%
-24.97
-124.22%
103.10
+1718.07%
5.67
Change In Receivables
-891.52
-780.20%
-101.29
-27.20%
-79.63
-2558.66%
-3.00
Changes In Account Receivables
-562.12
-1500.07%
-35.13
-273.45%
20.25
+147.30%
-42.82
Change In Prepaid Assets
-68.39
-523.11%
16.16
-89.22%
149.94
+76.20%
85.10
Change In Payables And Accrued Expense
586.24
+1000.75%
53.26
+67.74%
31.75
+138.10%
-83.34
Change In Accrued Expense
438.78
+306.78%
107.87
+347.73%
-43.54
-151.21%
85.02
Change In Payable
147.46
+370.02%
-54.61
-172.53%
75.29
+144.72%
-168.37
Change In Account Payable
147.46
+370.02%
-54.61
-172.53%
75.29
+144.72%
-168.37
Change In Other Working Capital
-23.54
-362.78%
8.96
+330.02%
-3.89
-130.38%
12.82
Change In Other Current Assets
2.75
-20.51%
3.46
+109.43%
-36.72
-228.31%
28.61
Change In Other Current Liabilities
-1.47
+73.30%
-5.52
-113.26%
41.65
+220.63%
-34.52
Investing Cash Flow
-224.74
-177.06%
291.64
+124.86%
-1,172.96
-738.91%
-139.82
Cash Flow From Continuing Investing Activities
-224.74
-177.06%
291.64
+124.86%
-1,172.96
-738.91%
-139.82
Net PPE Purchase And Sale
-29.52
+86.48%
-218.25
-1541.60%
-13.29
-21.06%
-10.98
Purchase Of PPE
-29.63
+86.43%
-218.41
-1515.26%
-13.52
-13.78%
-11.88
Sale Of PPE
0.11
-31.71%
0.16
-27.75%
0.23
-74.83%
0.90
Capital Expenditure
-29.63
+86.43%
-218.41
-1515.26%
-13.52
-13.78%
-11.88
Net Investment Purchase And Sale
-178.34
-134.98%
509.89
+152.98%
-962.47
-647.04%
-128.84
Purchase Of Investment
-7,475.66
-0.29%
-7,454.02
+36.00%
-11,646.38
+32.10%
-17,152.81
Sale Of Investment
7,297.32
-8.37%
7,963.91
-25.46%
10,683.92
-37.24%
17,023.97
Net Business Purchase And Sale
-16.88
0.00
+100.00%
-197.20
0.00
Purchase Of Business
-17.00
0.00
+100.00%
-197.20
0.00
Gain Loss On Sale Of Business
0.32
0.00
-100.00%
2.17
0.00
Net Intangibles Purchase And Sale
—
—
0.00
0.00
Purchase Of Intangibles
—
—
0.00
0.00
Financing Cash Flow
-373.93
-88.30%
-198.58
+47.36%
-377.24
-556.56%
-57.46
Cash Flow From Continuing Financing Activities
-373.93
-88.30%
-198.58
+47.36%
-377.24
-556.56%
-57.46
Net Issuance Payments Of Debt
-151.55
-353.23%
59.85
-56.34%
137.08
+83683.54%
-0.16
Issuance Of Debt
110.00
-55.46%
246.94
+47.70%
167.20
0.00
Repayment Of Debt
-261.55
-39.79%
-187.10
-521.19%
-30.12
-18265.24%
-0.16
Long Term Debt Payments
0.00
0.00
+100.00%
-0.02
+88.41%
-0.16
Net Long Term Debt Issuance
0.00
0.00
+100.00%
-0.02
+88.41%
-0.16
Short Term Debt Issuance
110.00
-55.46%
246.94
+47.70%
167.20
0.00
Short Term Debt Payments
-261.55
-39.79%
-187.10
-521.58%
-30.10
0.00
Net Short Term Debt Issuance
-151.55
-353.23%
59.85
-56.35%
137.10
0.00
Net Common Stock Issuance
-91.23
+14.72%
-106.98
+79.66%
-526.02
-684.85%
-67.02
Common Stock Payments
-91.23
+14.72%
-106.98
+79.66%
-526.02
-684.85%
-67.02
Common Stock Dividend Paid
-130.41
+17.81%
-158.67
0.00
0.00
Cash Dividends Paid
-130.41
+17.81%
-158.67
0.00
0.00
Repurchase Of Capital Stock
-91.23
+14.72%
-106.98
+79.66%
-526.02
-684.85%
-67.02
Proceeds From Stock Option Exercised
6.43
-11.00%
7.22
-38.30%
11.71
+20.36%
9.73
Net Other Financing Charges
-7.17
—
—
—
Changes In Cash
-354.75
-166.90%
530.31
+146.37%
-1,143.68
-301.20%
568.43
Effect Of Exchange Rate Changes
-20.70
-903.45%
2.58
-90.15%
26.17
-30.62%
37.72
Beginning Cash Position
1,506.91
+54.71%
974.03
-53.43%
2,091.53
+40.81%
1,485.38
End Cash Position
1,131.45
-24.92%
1,506.91
+54.71%
974.03
-53.43%
2,091.53
Free Cash Flow
214.29
-2.08%
218.84
-44.32%
392.99
-47.87%
753.82
Interest Paid Supplemental Data
0.28
-84.96%
1.88
+697.46%
0.24
0.00
Income Tax Paid Supplemental Data
0.36
-81.84%
1.99
+55.58%
1.28
-24.69%
1.70
Common Stock Issuance
—
—
0.00
0.00
Earnings Losses From Equity Investments
—
—
—
0.00
Issuance Of Capital Stock
—
—
0.00
0.00
Net Preferred Stock Issuance
—
—
—
0.00
Preferred Stock Issuance
—
—
—
0.00
Sale Of Business
0.12
0.00
—
0.00
SEC Filings

No SEC filings found for this symbol (may be non-US or ticker not in SEC index).

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