Symbols / YB Stock $16.73 -3.57% Yuanbao Inc.

Technology • Software - Application • China • NGM
YB (Stock) Chart
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Stock Fundamentals
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Index EQUITY
Sector Technology
Industry Software - Application
CEO Mr. Rui Fang
Exch · Country NGM · China
Market Cap 770.92M
Enterprise Value 564.92M
Income 2.01B
Sales 4.37B
FCF (ttm) —
Book/sh 10.78
Cash/sh 14.67
Employees —
Insider 10d —
IPO Apr 30, 2025
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 0.00%
P/E 4.16
Forward P/E 3.42
PEG —
P/S 0.18
P/B 1.55
P/C —
EV/EBITDA 0.42
EV/Sales 0.13
Quick Ratio 3.87
Current Ratio 3.92
Debt/Eq 0.24
LT Debt/Eq —
EPS (ttm) 4.02
EPS next Y 4.89
EPS Growth 34.70%
Revenue Growth 32.20%
EPS Gr Q/Q 15.40%
Rev Gr Q/Q —
Earnings (next) 2026-06-04
Earnings (prior) —
ROA 22.47%
ROE 50.94%
ROIC —
Gross Margin 96.17%
Oper. Margin 33.60%
Profit Margin 29.90%
Shs Outstand 32.39M
Shs Float 25.89M
Insider Own 4.50%
Instit Own 10.55%
Short Float 0.21%
Short Ratio 1.01
Short Interest 58.13K
52W High 31.00
vs 52W High -46.03%
52W Low 14.04
vs 52W Low 19.16%
Beta —
Impl. Vol. —
Rel Volume 0.40
Avg Volume 46.66K
Volume 18.51K
Target (mean) $21.93
Tgt Median $21.93
Tgt Low $21.93
Tgt High $21.93
# Analysts 1
Recom None
Prev Close $17.35
Price $16.73
Change -3.57%
About

Yuanbao Inc., through its subsidiaries, provides insurance brokerage and agency licenses services in the People's Republic of China. The company offers medical, critical illness, accident, property, and pet insurance products. Yuanbao Inc. was incorporated in 2019 and is headquartered in Beijing, the People's Republic of China.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$21.93
Mean price target
2. Current target
$16.73
Latest analyst target
3. DCF / Fair value
$60.30
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$16.73
Low
$21.93
High
$21.93
Mean
$21.93

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-02-23 init Citigroup — → Neutral $22
News
RSS: Latest YB 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 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total Revenue
3,284.53
+60.60%
2,045.15
+140.54%
850.25
+120.59%
385.44
Operating Revenue
3,284.53
+60.60%
2,045.15
+140.54%
850.25
+120.59%
385.44
Cost Of Revenue
166.33
+20.56%
137.96
+119.41%
62.88
-0.41%
63.14
Reconciled Cost Of Revenue
166.33
+20.56%
137.96
+119.41%
62.88
-0.41%
63.14
Gross Profit
3,118.19
+63.50%
1,907.19
+142.22%
787.37
+144.29%
322.31
Operating Expense
2,259.59
+30.47%
1,731.83
+115.53%
803.54
+10.69%
725.91
Research And Development
231.04
+79.76%
128.53
+63.87%
78.43
-12.47%
89.61
Selling General And Administration
2,028.55
+26.52%
1,603.30
+121.11%
725.10
+13.96%
636.30
Selling And Marketing Expense
1,743.12
+22.36%
1,424.63
+127.60%
625.93
+14.04%
548.87
General And Administrative Expense
285.43
+59.75%
178.68
+80.16%
99.17
+13.43%
87.43
Salaries And Wages
240.28
+77.63%
135.27
+57.49%
85.89
+57.87%
54.41
Other Gand A
45.15
+4.01%
43.41
+226.80%
13.28
-59.78%
33.02
Total Expenses
2,425.92
+29.74%
1,869.79
+115.81%
866.41
+9.80%
789.05
Operating Income
858.61
+389.63%
175.36
+1184.80%
-16.16
+95.99%
-403.61
EBITDA
873.55
+356.17%
191.50
+2980.07%
-6.65
+98.32%
-395.17
Normalized EBITDA
866.81
+356.20%
190.01
+1814.41%
-11.08
+97.20%
-395.71
Reconciled Depreciation
14.95
-7.37%
16.14
+69.59%
9.52
+12.84%
8.43
EBIT
858.61
+389.63%
175.36
+1184.80%
-16.16
+95.99%
-403.61
Total Unusual Items
6.74
+353.16%
1.49
-66.44%
4.43
+721.11%
0.54
Total Unusual Items Excluding Goodwill
6.74
+353.16%
1.49
-66.44%
4.43
+721.11%
0.54
Net Income
865.85
+326.28%
203.12
+983.18%
18.75
+104.25%
-441.51
Pretax Income
891.41
+333.83%
205.48
+8888.58%
-2.34
+99.42%
-399.86
Net Non Operating Interest Income Expense
24.31
+23.42%
19.70
+197.63%
6.62
+107.33%
3.19
Net Interest Income
24.31
+23.42%
19.70
+197.63%
6.62
+107.33%
3.19
Interest Income Non Operating
24.31
+23.42%
19.70
+197.63%
6.62
+107.33%
3.19
Interest Income
24.31
+23.42%
19.70
+197.63%
6.62
+107.33%
3.19
Other Income Expense
8.50
-18.46%
10.42
+44.57%
7.21
+1191.94%
0.56
Other Non Operating Income Expenses
1.75
-80.36%
8.93
+221.95%
2.77
+15316.67%
0.02
Gain On Sale Of Security
6.74
+353.16%
1.49
-66.44%
4.43
+721.11%
0.54
Tax Provision
25.57
+8686.25%
0.29
+2325.00%
0.01
0.00
Tax Rate For Calcs
0.00
+1925.64%
0.00
-99.43%
0.00
0.00
Tax Effect Of Unusual Items
0.19
+9077.78%
0.00
-99.81%
1.11
0.00
Net Income Including Noncontrolling Interests
865.85
+326.28%
203.12
+983.18%
18.75
+104.25%
-441.51
Net Income From Continuing Operation Net Minority Interest
865.85
+321.98%
205.19
+8831.32%
-2.35
+99.41%
-399.86
Net Income From Continuing And Discontinued Operation
865.85
+326.28%
203.12
+983.18%
18.75
+104.25%
-441.51
Net Income Continuous Operations
865.85
+321.98%
205.19
+8831.32%
-2.35
+99.41%
-399.86
Net Income Discontinuous Operations
0.00
+100.00%
-2.07
-109.80%
21.10
+150.66%
-41.65
Normalized Income
859.30
+321.84%
203.70
+3689.11%
-5.68
+98.58%
-400.40
Net Income Common Stockholders
435.92
+230.93%
-332.94
+23.53%
-435.37
+64.25%
-1,217.94
Otherunder Preferred Stock Dividend
429.93
-19.80%
536.06
+18.04%
454.12
-41.51%
776.43
Diluted EPS
9.67
+230.93%
-7.39
+23.53%
-9.66
+64.25%
-27.02
Basic EPS
9.67
+230.93%
-7.39
+23.53%
-9.66
+64.25%
-27.02
Basic Average Shares
45.08
+0.00%
45.08
+0.00%
45.08
+0.00%
45.08
Diluted Average Shares
45.08
+0.00%
45.08
+0.00%
45.08
+0.00%
45.08
Diluted NI Availto Com Stockholders
865.85
+360.06%
-332.94
+23.53%
-435.37
+64.25%
-1,217.94
Average Dilution Earnings
429.93
0.00
—
—
Preferred Stock Dividends
429.93
-19.80%
536.06
+18.04%
454.12
-41.51%
776.43
Line Item Trend 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total Assets
2,779.64
+82.79%
1,520.64
+41.19%
1,077.01
+36.27%
790.33
Current Assets
2,672.81
+89.53%
1,410.23
+42.36%
990.58
+38.17%
716.95
Cash Cash Equivalents And Short Term Investments
2,320.89
+106.31%
1,124.94
+75.39%
641.38
+11.09%
577.34
Cash And Cash Equivalents
1,904.67
+120.67%
863.12
+131.05%
373.56
-29.37%
528.87
Other Short Term Investments
416.22
+58.97%
261.82
-2.24%
267.82
+452.57%
48.47
Receivables
260.52
+2.46%
254.27
+14.13%
222.78
+297.55%
56.04
Accounts Receivable
260.96
+5.61%
247.09
+13.65%
217.40
+491.57%
36.75
Gross Accounts Receivable
263.85
+6.53%
247.68
+13.66%
217.91
+488.00%
37.06
Allowance For Doubtful Accounts Receivable
-2.89
-385.57%
-0.60
-17.79%
-0.51
-63.75%
-0.31
Receivables Adjustments Allowances
-0.61
+9.69%
-0.68
-21.39%
-0.56
-552.33%
-0.09
Taxes Receivable
0.17
-94.71%
3.31
-44.35%
5.94
-69.34%
19.38
Prepaid Assets
74.64
+326.99%
17.48
+129.25%
7.62
-28.34%
10.64
Restricted Cash
15.00
+38.99%
10.79
+7.92%
10.00
+0.00%
10.00
Assets Held For Sale Current
—
0.00
-100.00%
107.30
+71.02%
62.74
Other Current Assets
1.77
-35.75%
2.75
+84.94%
1.49
+717.03%
0.18
Total Non Current Assets
106.83
-3.25%
110.42
+27.74%
86.44
+17.80%
73.38
Net PPE
24.23
-30.14%
34.68
+50.97%
22.97
+239.30%
6.77
Gross PPE
24.23
-30.14%
34.68
+33.73%
25.93
+206.56%
8.46
Accumulated Depreciation
—
-5.99
-102.36%
-2.96
-75.31%
-1.69
Properties
—
0.00
0.00
0.00
Other Properties
24.23
-30.14%
34.68
+44.07%
24.07
+197.28%
8.10
Leases
—
4.74
+154.81%
1.86
+414.09%
0.36
Goodwill And Other Intangible Assets
58.05
-0.28%
58.21
+0.15%
58.12
+0.40%
57.89
Other Intangible Assets
58.05
-0.28%
58.21
+0.15%
58.12
+0.40%
57.89
Non Current Deferred Assets
6.94
0.00
—
—
Non Current Deferred Taxes Assets
6.94
0.00
—
—
Non Current Prepaid Assets
2.69
-19.07%
3.32
0.00
—
Other Non Current Assets
—
—
5.34
-38.75%
8.72
Total Liabilities Net Minority Interest
4,413.44
+20.65%
3,658.03
+23.69%
2,957.36
+29.46%
2,284.30
Current Liabilities
940.81
+48.36%
634.15
+34.22%
472.48
+76.46%
267.75
Payables And Accrued Expenses
749.76
+37.95%
543.50
+76.84%
307.34
+523.05%
49.33
Payables
561.51
+26.73%
443.07
+74.51%
253.90
+1363.30%
17.35
Accounts Payable
10.68
-37.48%
17.08
+75.79%
9.71
+105.02%
4.74
Other Payable
499.48
+30.29%
383.35
+61.77%
236.98
+1865.83%
12.05
Current Accrued Expenses
188.25
+87.45%
100.42
+87.92%
53.44
+67.12%
31.98
Total Tax Payable
51.36
+443.42%
9.45
+31.23%
7.20
+1190.68%
0.56
Income Tax Payable
30.52
+759.75%
3.55
+217.25%
1.12
+178.36%
0.40
Current Debt And Capital Lease Obligation
13.45
+8.06%
12.44
+23.91%
10.04
+290.32%
2.57
Current Capital Lease Obligation
13.45
+8.06%
12.44
+23.91%
10.04
+290.32%
2.57
Current Deferred Liabilities
117.65
+74.36%
67.48
+45.31%
46.44
-60.33%
117.05
Current Deferred Revenue
117.65
+74.36%
67.48
+45.31%
46.44
-60.33%
117.05
Other Current Liabilities
8.80
+3.53%
8.50
-92.08%
107.32
+8.68%
98.75
Total Non Current Liabilities Net Minority Interest
3,472.63
+14.84%
3,023.88
+21.69%
2,484.88
+23.22%
2,016.54
Liabilities Heldfor Sale Non Current
—
0.00
-100.00%
1.47
+18.79%
1.24
Long Term Debt And Capital Lease Obligation
5.71
-69.24%
18.57
+30.97%
14.18
+1562.60%
0.85
Long Term Capital Lease Obligation
5.71
-69.24%
18.57
+30.97%
14.18
+1562.60%
0.85
Non Current Deferred Liabilities
46.03
+220.68%
14.35
+0.15%
14.33
+0.00%
14.33
Non Current Deferred Taxes Liabilities
46.03
+220.68%
14.35
+0.15%
14.33
+0.00%
14.33
Preferred Securities Outside Stock Equity
3,420.88
+14.37%
2,990.95
+21.84%
2,454.89
+22.74%
2,000.12
Stockholders Equity
-1,633.80
+23.56%
-2,137.39
-13.67%
-1,880.35
-25.86%
-1,493.97
Common Stock Equity
-1,633.80
+23.56%
-2,137.39
-13.67%
-1,880.35
-25.86%
-1,493.97
Capital Stock
0.07
+31.48%
0.05
+68.75%
0.03
+100.00%
0.02
Common Stock
0.07
+31.48%
0.05
+68.75%
0.03
+100.00%
0.02
Share Issued
270.48
+0.00%
270.48
+0.00%
270.48
+0.00%
270.48
Ordinary Shares Number
270.48
+0.00%
270.48
+0.00%
270.48
+0.00%
270.48
Additional Paid In Capital
198.66
+47.89%
134.33
+116.85%
61.95
+102.71%
30.56
Retained Earnings
-1,932.13
+15.52%
-2,287.07
-17.04%
-1,954.13
-28.67%
-1,518.76
Gains Losses Not Affecting Retained Earnings
99.60
+551.17%
15.29
+29.62%
11.80
+303.76%
-5.79
Other Equity Adjustments
99.60
+551.17%
15.29
+29.62%
11.80
+303.76%
-5.79
Total Equity Gross Minority Interest
-1,633.80
+23.56%
-2,137.39
-13.67%
-1,880.35
-25.86%
-1,493.97
Total Capitalization
-1,633.80
+23.56%
-2,137.39
-13.67%
-1,880.35
-25.86%
-1,493.97
Working Capital
1,732.00
+123.17%
776.08
+49.79%
518.10
+15.34%
449.19
Invested Capital
-1,633.80
+23.56%
-2,137.39
-13.67%
-1,880.35
-25.86%
-1,493.97
Total Debt
19.16
-38.23%
31.02
+28.04%
24.23
+607.09%
3.43
Capital Lease Obligations
19.16
-38.23%
31.02
+28.04%
24.23
+607.09%
3.43
Net Tangible Assets
-1,691.85
+22.94%
-2,195.59
-13.26%
-1,938.47
-24.91%
-1,551.86
Tangible Book Value
-1,691.85
+22.94%
-2,195.59
-13.26%
-1,938.47
-24.91%
-1,551.86
Current Provisions
51.16
+2187.97%
2.24
+66.25%
1.34
+2179.66%
0.06
Duefrom Related Parties Current
0.00
-100.00%
4.56
0.00
—
Dueto Related Parties Current
0.00
-100.00%
33.19
0.00
—
Non Current Note Receivables
14.92
+5.08%
14.20
0.00
—
Line Item Trend 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Operating Cash Flow
1,207.60
+173.23%
441.97
+403.85%
87.72
+135.81%
-244.99
Cash Flow From Continuing Operating Activities
1,207.60
+183.07%
426.61
+674.10%
55.11
+120.55%
-268.23
Cash From Discontinued Operating Activities
0.00
-100.00%
15.37
-52.88%
32.61
+40.29%
23.24
Net Income From Continuing Operations
865.85
+321.98%
205.19
+8831.32%
-2.35
+99.41%
-399.86
Depreciation Amortization Depletion
14.95
-7.37%
16.14
+69.59%
9.52
+12.84%
8.43
Depreciation
14.95
-7.37%
16.14
+77.15%
9.11
+10.48%
8.25
Amortization Cash Flow
—
0.36
-12.32%
0.41
+117.11%
0.19
Depreciation And Amortization
14.95
-7.37%
16.14
+69.59%
9.52
+12.84%
8.43
Amortization Of Intangibles
—
0.36
-12.32%
0.41
+117.11%
0.19
Other Non Cash Items
-2.55
-1.03%
-2.52
-140.78%
-1.05
-1025.81%
-0.09
Stock Based Compensation
64.02
+72.51%
37.11
+37.07%
27.07
+58.10%
17.12
Provisionand Write Offof Assets
3.89
+370.01%
0.83
+23.07%
0.67
+489.47%
0.11
Deferred Tax
24.74
+117709.52%
0.02
0.00
—
Deferred Income Tax
24.74
+117709.52%
0.02
0.00
—
Operating Gains Losses
—
-0.82
+75.57%
-3.37
-1475.10%
0.24
Unrealized Gain Loss On Investment Securities
—
-0.29
-972.73%
0.03
+107.05%
-0.47
Net Foreign Currency Exchange Gain Loss
—
-0.84
+76.32%
-3.53
-2860.94%
0.13
Gain Loss On Sale Of PPE
—
0.01
-91.52%
0.17
+41.03%
0.12
Change In Working Capital
236.71
+39.37%
169.85
+590.96%
24.58
-76.87%
106.27
Change In Receivables
-13.36
+46.51%
-24.97
+86.20%
-180.85
-480.98%
47.47
Changes In Account Receivables
-16.17
+20.62%
-20.37
+88.74%
-180.85
-480.98%
47.47
Change In Prepaid Assets
-43.66
-508.26%
-7.18
-144.33%
16.19
+181.09%
-19.97
Change In Payables And Accrued Expense
255.78
+27.39%
200.78
-23.71%
263.18
+1439.67%
-19.64
Change In Accrued Expense
170.25
+34.87%
126.23
-46.00%
233.75
+698.60%
-39.05
Change In Payable
85.53
+14.73%
74.55
+153.34%
29.43
+51.65%
19.41
Change In Account Payable
-6.40
-186.93%
7.36
+47.95%
4.98
+395.12%
1.00
Change In Other Working Capital
50.17
+138.48%
21.04
+129.80%
-70.61
-166.90%
105.55
Change In Other Current Assets
0.00
+100.00%
-3.42
—
—
Change In Other Current Liabilities
-12.22
+25.50%
-16.41
-392.85%
-3.33
+53.39%
-7.14
Investing Cash Flow
-157.57
-248.18%
-45.26
+79.33%
-218.93
-142.09%
-90.44
Cash Flow From Continuing Investing Activities
-157.57
-1062.36%
-13.56
+94.07%
-228.49
-235.42%
-68.12
Cash From Discontinued Investing Activities
0.00
+100.00%
-31.70
-431.65%
9.56
+142.83%
-22.32
Net PPE Purchase And Sale
-3.28
+29.41%
-4.64
-121.14%
-2.10
+28.06%
-2.92
Purchase Of PPE
-3.34
+28.06%
-4.64
-90.17%
-2.44
+22.60%
-3.15
Sale Of PPE
0.06
0.00
-100.00%
0.34
+44.92%
0.24
Capital Expenditure
-3.34
+28.06%
-4.64
-90.17%
-2.44
+22.60%
-3.15
Net Investment Purchase And Sale
-154.29
-2776.36%
5.76
+102.62%
-220.09
-389.09%
-45.00
Purchase Of Investment
-3,896.23
-289.27%
-1,000.90
-82.42%
-548.69
-136.50%
-232.00
Sale Of Investment
3,741.94
+271.72%
1,006.66
+206.35%
328.60
+75.72%
187.00
Net Business Purchase And Sale
—
0.00
+100.00%
-6.30
+68.82%
-20.20
Purchase Of Business
—
0.00
+100.00%
-6.30
+68.82%
-20.20
Net Other Investing Changes
—
-14.68
—
—
Financing Cash Flow
-9.11
-150.50%
18.05
0.00
-100.00%
726.37
Cash Flow From Continuing Financing Activities
-9.11
-150.50%
18.05
0.00
-100.00%
726.37
Net Issuance Payments Of Debt
—
—
0.00
0.00
Issuance Of Debt
—
—
0.00
-100.00%
96.77
Repayment Of Debt
—
—
0.00
+100.00%
-96.77
Short Term Debt Issuance
—
—
0.00
-100.00%
96.77
Short Term Debt Payments
—
—
0.00
+100.00%
-96.77
Net Short Term Debt Issuance
—
—
0.00
0.00
Proceeds From Stock Option Exercised
0.00
-100.00%
18.05
0.00
—
Net Other Financing Charges
-9.11
—
—
—
Changes In Cash
1,040.92
+150.97%
414.76
+416.10%
-131.21
-133.56%
390.94
Effect Of Exchange Rate Changes
4.85
-26.44%
6.59
-73.48%
24.84
+306.54%
-12.03
Beginning Cash Position
873.91
+93.10%
452.56
-19.03%
558.93
+210.49%
180.02
End Cash Position
1,919.67
+119.66%
873.91
+93.10%
452.56
-19.03%
558.93
Free Cash Flow
1,204.26
+175.37%
437.33
+412.83%
85.28
+134.37%
-248.14
Income Tax Paid Supplemental Data
0.60
-70.21%
2.00
+11016.67%
0.02
0.00
Change In Income Tax Payable
41.90
+1763.09%
2.25
-66.71%
6.75
+1245.62%
0.50
Change In Tax Payable
41.90
+1763.09%
2.25
-66.71%
6.75
+1245.62%
0.50
Issuance Of Capital Stock
—
—
0.00
-100.00%
726.37
Net Preferred Stock Issuance
—
—
0.00
-100.00%
726.37
Preferred Stock Issuance
—
—
0.00
-100.00%
726.37
SEC Filings

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