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Financial Services - Insurance - Diversified - NYSE - CN
$ 1.365
5 %
$ 50.4 M
Market Cap
9.75
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Mar, 31, 2025.

The intrinsic value of one WDH stock under the worst case scenario is HIDDEN Compared to the current market price of 1.36 USD, Waterdrop Inc. is HIDDEN

This DCF valuation model was last updated on Mar, 31, 2025.

The intrinsic value of one WDH stock under the base case scenario is HIDDEN Compared to the current market price of 1.36 USD, Waterdrop Inc. is HIDDEN

This DCF valuation model was last updated on Mar, 31, 2025.

The intrinsic value of one WDH stock under the best case scenario is HIDDEN Compared to the current market price of 1.36 USD, Waterdrop Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart WDH

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$1.6$1.6$1.5$1.5$1.5$1.5$1.4$1.4$1.4$1.4$1.3$1.3$1.3$1.3$1.2$1.2$1.2$1.2$1.1$1.1$1.1$1.115 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 Mar
FINANCIALS
2.77 B REVENUE
5.36%
178 M OPERATING INCOME
2742.12%
368 M NET INCOME
124.52%
0 OPERATING CASH FLOW
0.00%
0 INVESTING CASH FLOW
100.00%
0 FINANCING CASH FLOW
100.00%
687 M REVENUE
-2.46%
53 M OPERATING INCOME
100.08%
99.6 M NET INCOME
7.34%
0 OPERATING CASH FLOW
0.00%
0 INVESTING CASH FLOW
0.00%
0 FINANCING CASH FLOW
0.00%
Balance Sheet Waterdrop Inc.
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Current Assets 4.64 B
Cash & Short-Term Investments 2.6 B
Receivables 1.34 B
Other Current Assets 703 M
Non-Current Assets 1.82 B
Long-Term Investments 1.11 B
PP&E 287 M
Other Non-Current Assets 415 M
40.27 %20.70 %10.90 %17.26 %4.45 %6.42 %Total Assets$6.5b
Current Liabilities 1.48 B
Accounts Payable 10.6 M
Short-Term Debt 233 M
Other Current Liabilities 1.24 B
Non-Current Liabilities 95.2 M
Long-Term Debt 11 M
Other Non-Current Liabilities 84.2 M
14.74 %78.56 %5.33 %Total Liabilities$1.6b
EFFICIENCY
Earnings Waterfall Waterdrop Inc.
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Revenue 2.77 B
Cost Of Revenue 1.31 B
Gross Profit 1.46 B
Operating Expenses 1.28 B
Operating Income 178 M
Other Expenses -189 M
Net Income 368 M
3b3b3b3b2b2b2b2b1b1b500m500m003b(1b)1b(1b)178m189m368mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
52.57% GROSS MARGIN
52.57%
6.43% OPERATING MARGIN
6.43%
13.26% NET MARGIN
13.26%
7.66% ROE
7.66%
5.69% ROA
5.69%
3.33% ROIC
3.33%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Waterdrop Inc.
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800m800m600m600m400m400m200m200m00(200m)(200m)(400m)(400m)(600m)(600m)(800m)(800m)(1b)(1b)(1b)(1b)20192019202020202021202120222022202320232024202420252025
Net Income 368 M
Depreciation & Amortization 13.6 M
Capital Expenditures 0
Stock-Based Compensation 86.9 M
Change in Working Capital 0
Others -454 M
Free Cash Flow 0
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Waterdrop Inc.
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WDH has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.00% DIVIDEND YIELD
0.02 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.0500.0500.0450.0450.0400.0400.0350.0350.0300.0300.0250.0250.0200.0200.0150.0150.0100.0100.0050.0050.0000.0000.0320.020.0160.050.022024202420252025
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5. COMPETITION
slide 2 of 9
6. Ownership
Insider Ownership Waterdrop Inc.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Waterdrop May Only Be Just Getting Started Waterdrop stock appears to have broken out after failing to overcome resistance for over a year, which by itself is reason to be bullish. The breakout followed in the wake of a strong Q4 FY2024 report, which showed there is much to be bullish about. WDH looks primed to move higher, but it is not impossible for it to get derailed, especially if U.S.-China relations turn frosty. seekingalpha.com - 2 weeks ago
Goldman Sachs Maintains 'Buy' Rating for Waterdrop with Price Target of US$1.80 BEIJING , March 19, 2025 /PRNewswire/ -- Following the release of Waterdrop Inc.'s (WDH) fourth-quarter and full-year 2024 financial results, Goldman Sachs' latest research report maintains a "Buy" rating for Waterdrop and sets a 12-month price target of US$1.80 per ADS. According to Goldman Sachs' report, Waterdrop achieved a higher-than-expected net profit attributable to shareholders of 368 million yuan (approx. prnewswire.com - 2 weeks ago
Waterdrop Inc. Receives a 'Buy' Rating from UOB Kay Hian with Price Target of US$2.20 BEIJING , March 19, 2025 /PRNewswire/ -- On March 14, 2025, UOB Kay Hian included Waterdrop Inc. (WDH) for the first time in its most recent report, commenting that the company has built a substantial user base through its strong brand equity and is well-positioned to unlock greater user full-lifetime value for sustained growth. Leveraging its proprietary technology, Waterdrop continues to enhance operational efficiency and improve overall profit margins. prnewswire.com - 2 weeks ago
Waterdrop Inc. (WDH) Q4 2024 Earnings Call Transcript Waterdrop Inc. (NYSE:WDH ) Q4 2024 Earnings Conference Call March 12, 2025 8:00 AM ET Company Participants Tracy Li - Investor Relations Shen Peng - Founder, Chairman & Chief Executive Officer Xu Xiaoying - Head-Finance Jasmine Li - Board Secretary Wei Ran - Director & General Manager-Insurance Business Conference Call Participants Tracy Li Good morning everyone. This is Tracy Li from Waterdrop Investor Relations. seekingalpha.com - 3 weeks ago
Waterdrop Q4 and FY2024 Financial Results: Annual Net profit rises 119.8% YoY, and declared a cash dividend BEIJING , March 12, 2025 /PRNewswire/ -- On March 12, 2025, Waterdrop Inc. (NYSE: WDH), a leading technology platform dedicated to insurance and healthcare services with a positive social impact, unveiled its unaudited financial results for the fourth quarter and Fiscal Year ended December 31, 2024. During the fourth quarter, Waterdrop reported net operating revenue of RMB 686.8 million. prnewswire.com - 3 weeks ago
Waterdrop Inc. Announces Appointment of New Independent Director BEIJING , March 12, 2025 /PRNewswire/ -- Waterdrop Inc. (NYSE: WDH) ("Waterdrop" or the "Company"), a leading technology platform dedicated to insurance and healthcare service with a positive social impact, today announced the appointment of Mr. Chen Lin as an independent director and a member of the audit committee of the Company's board of directors (the "Board"), replacing Mr. prnewswire.com - 3 weeks ago
Waterdrop Inc. Announces Fourth Quarter and Fiscal Year 2024 Unaudited Financial Results and a Cash Dividend BEIJING , March 12, 2025 /PRNewswire/ -- Waterdrop Inc. ("Waterdrop", the "Company" or "we") (NYSE: WDH), a leading technology platform dedicated to insurance and healthcare service with a positive social impact, today announced its unaudited financial results for the three and twelve months ended December 31, 2024 and a cash dividend. Financial and Operational Highlights for the Fourth  Quarter of 2024 Marked improvement in profitability and healthy liquidity: In the fourth quarter of 2024, net profit attributable to our ordinary shareholders reached RMB99.6 million (US$13.6 million), representing a year-over-year growth of 68.7%. prnewswire.com - 3 weeks ago
Waterdrop Inc. to Report Fourth Quarter and Fiscal Year 2024 Financial Results on March 12, 2025 BEIJING , Feb. 26, 2025 /PRNewswire/ -- Waterdrop Inc. (NYSE: WDH) ("Waterdrop" or the "Company"), a leading technology platform dedicated to insurance and healthcare service with a positive social impact, today announced that it will report its unaudited financial results for the fourth quarter and fiscal year ended December 31, 2024, before U.S. markets open on Wednesday, March 12, 2025. Waterdrop's management team will hold a conference call on March 12, 2025 at 8:00 AM U.S. Eastern Time (8:00 PM Beijing/Hong Kong Time on the same day) to discuss the financial results. prnewswire.com - 1 month ago
Waterdrop Partners with DeepSeek to Revolutionize Insurance Services with AI-Powered Experts BEIJING , Feb. 20, 2025 /PRNewswire/ -- Waterdrop Inc. ("Waterdrop" or the "Company") (NYSE: WDH), a leading technology platform specializing in insurance and healthcare services with a positive social impact, announced its strategic integration of DeepSeek, marking a significant step forward in its AI-driven insurance ecosystem. The collaboration is poised to accelerate the Company's business growth, enabling innovative breakthroughs in the application of large-scale AI models across specialized insurance scenarios. prnewswire.com - 1 month ago
Waterdrop Inc. Announces Third Quarter 2024 Unaudited Financial Results, Net profit rises 152.6% year-on-year BEIJING , Dec. 12, 2024 /PRNewswire/ -- On December 11, 2024, Waterdrop Inc. (NYSE: WDH), a leading technology platform dedicated to insurance and healthcare services with a positive social impact, unveiled its unaudited financial results for the third quarter of 2024 ended September 30, 2024. During the quarter, Waterdrop reported net operating revenue of RMB 704.1 million. prnewswire.com - 3 months ago
Waterdrop Inc. (WDH) Q3 2024 Earnings Call Transcript Waterdrop Inc. (NYSE:WDH ) Q3 2024 Earnings Conference Call December 11, 2024 7:00 AM ET Company Participants Tracy Li - Investor Relations Shen Peng - Founder, Chairman & Chief Executive Officer Ran Wei - Director & General Manager, Insurance Business Jasmine Li - Board Secretary Xu Xiaoying - Head, Finance Tracy Li Good morning, everyone. This is Tracy Li from Waterdrop Investor Relations. seekingalpha.com - 3 months ago
Waterdrop Inc. Announces Third Quarter 2024 Unaudited Financial Results BEIJING , Dec. 11, 2024 /PRNewswire/ -- Waterdrop Inc. ("Waterdrop", the "Company" or "we") (NYSE: WDH), a leading technology platform dedicated to insurance and healthcare service with a positive social impact, today announced its unaudited financial results for the three and nine months ended September 30, 2024. Financial and Operational Highlights for the Third  Quarter of 2024 Marked improvement in profitability and healthy liquidity: In the third quarter of 2024, net profit attributable to our ordinary shareholders reached RMB92.8 million, representing a year-over-year growth of 152.6%. prnewswire.com - 3 months ago
8. Profile Summary

Waterdrop Inc. WDH

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COUNTRY CN
INDUSTRY Insurance - Diversified
MARKET CAP $ 50.4 M
Dividend Yield 0.00%
Description 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 health and long-term health and life insurance products and services. It also operates a medical crowdfunding platform. The company was founded in 2016 and is headquartered in Beijing, the People's Republic of China.
Contact Wangjing Science and Technology Park, Beijing, 100102 https://www.waterdrop-inc.com
IPO Date May 7, 2021
Employees 2960
Officers Mr. Guang Yang Co-Founder, Vice President of Finance, GM of International Business & Director Ms. Xiaolei Sun Vice President of Human Resources & Organization Development Mr. Wei Ran Partner, GM of Insurance Technology Business & Director Mr. Xiaojiao Cui Investor Relations Officer Ms. Nian Liu Head of Legal Dr. Peng Shen Co-Founder, Chairman of the Board & Chief Executive Officer Ms. Xiaoying Xu Head of Finance Mr. Xiaobo Zhou Head of Research & Development