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WDH

Waterdrop Inc.

Price Chart
Latest Quote

$1.40

-0.04 (-2.78%)
Current Price
Previous Close $1.44
Open $1.41
Day High $1.44
Day Low $1.40
Volume 193,071
Fetched: 2026-06-06T17:35:52
Stock Information
Note: Financial values converted from CNY to USD
Quarterly Dividend / Yield $0.06 / 4.29%
Shares Outstanding 279.11M
Quarterly Dividend Yield 4.29%
Quarterly Dividend $0.06
Total Debt $10.42M
Cash Equivalents $149.82M
Revenue $587.90M
Net Income $84.09M
Sector Financial Services
Industry Insurance - Diversified
Market Cap $503.02M
P/E Ratio 6.36
EPS (TTM) $0.22
Exchange NYQ
🌐 Visit Website
📊 Comprehensive Analysis
Company Data
Enterprise Value$4.09B
Sales$587.90M
Income$84.09M
Book/sh$2.07
Cash/sh$3.63
Employees3K
Financial Ratios
Quick Ratio1.67
Current Ratio2.10
Debt/Eq1.37
EPS Growth TTM62.70%
Returns & Margins
ROA3.42%
ROE11.27%
Gross Margin51.15%
Operating Margin5.94%
Profit Margin14.30%
Ownership
Insider Ownership2.54%
Institutional Ownership10.26%
Insider & Institutional transactions data not available
Valuation Ratios
Forward P/E8.52
P/S0.13
P/B0.68
Analyst Data
Recommendationstrong_buy
Target Price$2.32
Technical Indicators
SMA20$1.52
SMA50$1.59
SMA200$1.72
RSI35.71
ATR0.0564
Shares Float1.41B
Short Float0.07%
Short Ratio0.62
Volatility-0.17
Rel Volume1.22
Performance History
Week-8.50%
Month-11.95%
Quarter-18.09%
6 Months-24.59%
YTD-24.98%
Year-4.98%
3 Years-39.16%
5 Years-81.63%
10 Years-84.32%
Stock Score: ⭐ Premium
Based on debt, profitability, growth, and cash flow metrics
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Recent Price History
Date Close Volume
2026-06-05 $1.40 227,200
2026-06-04 $1.44 95,300
2026-06-03 $1.46 93,400
2026-06-02 $1.51 92,500
2026-06-01 $1.48 246,500
2026-05-29 $1.53 114,600
2026-05-28 $1.53 224,500
2026-05-27 $1.53 136,300
2026-05-26 $1.53 178,100
2026-05-22 $1.44 606,600
2026-05-21 $1.57 112,000
2026-05-20 $1.53 171,600
2026-05-19 $1.55 92,100
2026-05-18 $1.51 384,900
2026-05-15 $1.56 113,500
2026-05-14 $1.58 158,700
2026-05-13 $1.58 153,500
2026-05-12 $1.55 137,300
2026-05-11 $1.59 178,300
2026-05-08 $1.56 208,400
2026-05-07 $1.59 150,600
2026-05-06 $1.59 141,800
About Waterdrop Inc.

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.

Period:
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Income Statement (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Revenue
Reconciled Cost Of Revenue $329,485,332 $238,288,859 $234,429,244 $197,489,830
Cost Of Revenue $329,485,332 $238,288,859 $234,429,244 $197,489,830
Total Revenue $587,930,419 $409,687,229 $388,829,964 $414,113,526
Operating Revenue $584,787,803 $402,396,335 $384,896,447 $410,071,225
Expenses
Total Expenses $533,115,989 $383,354,700 $389,826,609 $343,464,963
Other Income Expense $5,453,094 $4,923,511 $5,164,284 $10,493,075
Other Non Operating Income Expenses $5,412,300 $3,738,711 $4,522,518 $9,892,398
Net Non Operating Interest Income Expense $20,056,608 $22,040,734 $20,107,749 $12,077,538
Operating Expense $203,630,658 $145,065,841 $155,397,366 $145,975,133
Selling And Marketing Expense $123,400,678 $58,725,333 $51,719,258 $45,476,889
General And Administrative Expense $45,838,418 $54,340,569 $59,475,735 $57,444,312
Income & Earnings
Net Income From Continuing Operation Net Minority Interest $84,091,221 $54,319,580 $24,715,993 $89,823,222
Net Interest Income $20,056,608 $22,040,734 $20,107,749 $12,077,538
Interest Income $20,056,608 $22,040,734 $20,107,749 $12,077,538
Normalized Income $84,060,626 $53,166,675 $24,076,395 $89,244,428
Net Income From Continuing And Discontinued Operation $84,091,221 $54,319,580 $24,715,993 $89,823,222
Total Operating Income As Reported $54,814,429 $26,332,529 $-996,645 $70,648,563
Net Income Common Stockholders $84,091,221 $54,319,580 $24,715,993 $89,823,222
Net Income $84,091,221 $54,319,580 $24,715,993 $89,823,222
Net Income Including Noncontrolling Interests $83,517,888 $51,862,037 $24,193,357 $89,823,222
Net Income Continuous Operations $83,517,888 $51,862,037 $24,193,357 $89,823,222
Pretax Income $80,324,132 $53,296,774 $24,275,388 $93,219,175
Interest Income Non Operating $20,056,608 $22,040,734 $20,107,749 $12,077,538
Operating Income $54,814,429 $26,332,529 $-996,645 $70,648,563
Gross Profit $258,445,087 $171,398,370 $154,400,721 $216,623,696
Earnings From Equity Interest Net Of Tax - - - $0
Per Share
Diluted EPS $0.22 $0.15 $0.06 $0.22
Basic EPS $0.24 $0.15 $0.06 $0.22
Other
Tax Effect Of Unusual Items $10,199 $31,895 $2,169 $21,883
Tax Rate For Calcs $0 $0 $0 $0
Normalized EBITDA (Bullshit earnings) $56,830,037 $26,857,826 $365,077 $73,443,839
Total Unusual Items $40,794 $1,184,800 $641,767 $600,677
Total Unusual Items Excluding Goodwill $40,794 $1,184,800 $641,767 $600,677
Reconciled Depreciation $2,056,402 $1,710,096 $2,003,488 $3,395,953
EBITDA (Bullshit earnings) $56,870,831 $28,042,626 $1,006,843 $74,044,516
EBIT $54,814,429 $26,332,529 $-996,645 $70,648,563
Diluted Average Shares $54,887,416 $54,979,925 $57,360,825 $59,453,818
Basic Average Shares $53,436,126 $53,956,046 $55,717,510 $57,959,835
Diluted NI Availto Com Stockholders $84,091,221 $54,319,580 $24,715,993 $89,823,222
Minority Interests $573,333 $2,457,543 $522,636 $0
Tax Provision $-3,193,757 $1,434,737 $82,031 $3,395,953
Gain On Sale Of Security $40,794 $1,184,800 $641,767 $600,677
Research And Development $34,391,562 $31,999,940 $44,202,372 $43,053,932
Selling General And Administration $169,239,096 $113,065,901 $111,194,994 $102,921,201
Other Gand A $45,838,418 $54,340,569 $59,475,735 $57,444,312
Otherunder Preferred Stock Dividend - - $0 $0
Fetched: 2026-05-30
Balance Sheet (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Assets
Net Tangible Assets $723,360,007 $674,530,767 $639,628,689 $695,581,212
Total Assets $1,049,533,042 $953,879,825 $908,799,200 $875,330,380
Total Non Current Assets $461,154,333 $268,352,857 $106,746,969 $34,232,081
Non Current Deferred Assets $424,199 $3,994,856 $3,575,387 $911,362
Non Current Deferred Taxes Assets $424,199 $3,994,856 $3,575,387 $911,362
Non Current Accounts Receivable $43,678,553 $22,724,773 $19,862,393 $15,311,201
Investmentin Financial Assets $286,657,540 $164,677,706 - -
Goodwill And Other Intangible Assets $38,117,414 $34,551,043 $38,156,878 $8,873,287
Other Intangible Assets $26,182,064 $22,615,693 $26,221,528 $8,367,796
Current Assets $588,378,709 $685,526,968 $802,052,230 $841,098,299
Restricted Cash $95,843,737 $76,945,176 $85,301,000 $76,468,655
Prepaid Assets $18,900,039 $17,284,242 $18,981,923 $43,071,669
Receivables $323,809,940 $207,162,591 $196,205,263 $166,463,035
Receivables Adjustments Allowances $-7,897,630 $-8,078,099 $-8,126,136 $-7,686,861
Other Receivables $140,043,153 $106,313,311 $99,718,133 $66,524,525
Taxes Receivable $5,331,451 $3,031,024 $2,158,978 $1,737,736
Accounts Receivable $186,302,075 $105,858,369 $102,444,680 $99,885,595
Allowance For Doubtful Accounts Receivable $-6,890,048 $-4,252,627 $-2,847,155 $-1,516,621
Gross Accounts Receivable $193,192,123 $110,110,997 $105,291,835 $101,402,216
Cash Cash Equivalents And Short Term Investments $149,824,993 $384,134,959 $501,564,045 $547,548,346
Cash And Cash Equivalents $71,389,949 $145,782,840 $58,664,290 $232,669,337
Other Current Assets - - $28,060,067 $50,618,264
Debt
Total Debt $10,424,346 $36,051,996 $29,229,495 $2,077,390
Long Term Debt And Capital Lease Obligation $1,868,247 $1,621,562 $4,034,024 $694,828
Current Debt And Capital Lease Obligation $8,556,099 $34,430,434 $25,195,470 $1,382,562
Current Debt $6,946,805 $29,320,394 $20,331,524 -
Other Current Borrowings $6,946,805 $29,320,394 $20,331,524 -
Liabilities
Total Liabilities Net Minority Interest $288,055,622 $233,545,226 $217,303,300 $170,875,882
Total Non Current Liabilities Net Minority Interest $8,341,782 $14,064,472 $14,868,823 $5,085,061
Non Current Deferred Liabilities $6,473,535 $12,442,910 $10,834,799 $4,390,233
Non Current Deferred Taxes Liabilities $6,473,535 $12,442,910 $10,834,799 $4,390,233
Current Liabilities $279,713,839 $219,480,754 $202,434,477 $165,790,820
Other Current Liabilities $9,441,743 $11,708,027 $12,674,076 $15,449,399
Current Deferred Liabilities $6,798,409 $4,316,035 - $0
Payables And Accrued Expenses $254,917,588 $169,026,258 $164,564,931 $148,958,860
Payables $176,527,625 $140,514,649 $145,041,305 $130,515,093
Other Payable $70,321,915 $57,770,664 $53,463,793 $48,997,145
Total Tax Payable $3,611,156 $1,753,108 $2,678,806 $3,445,615
Accounts Payable $101,216,426 $79,421,786 $87,493,234 $76,364,748
Equity
Common Stock Equity $761,477,421 $709,081,810 $677,785,567 $704,454,499
Total Equity Gross Minority Interest $761,477,421 $720,334,599 $691,495,899 $704,454,499
Stockholders Equity $761,477,421 $709,081,810 $677,785,567 $704,454,499
Gains Losses Not Affecting Retained Earnings $6,447,522 $23,582,186 $21,299,643 $15,999,083
Other Equity Adjustments $6,447,522 $23,582,186 $21,299,643 $15,999,083
Retained Earnings $-240,258,500 $-324,349,721 $-378,669,302 $-403,050,518
Other
Treasury Shares Number $70,255,341 $67,899,514 $56,541,004 -
Ordinary Shares Number $533,401,536 $535,757,363 $547,115,872 $577,907,016
Share Issued $603,656,877 $603,656,877 $603,656,877 $577,907,016
Tangible Book Value $723,360,007 $674,530,767 $639,628,689 $695,581,212
Invested Capital $768,424,226 $738,402,204 $698,117,091 $704,454,499
Working Capital $308,664,870 $466,046,214 $599,617,753 $675,307,479
Capital Lease Obligations $3,477,541 $6,731,602 $8,897,970 $2,077,390
Total Capitalization $761,477,421 $709,081,810 $677,785,567 $704,454,499
Minority Interest $0 $11,252,789 $13,710,332 $0
Treasury Stock $2,365 $2,217 $1,774 $443
Additional Paid In Capital $995,269,628 $1,009,831,018 $1,035,136,454 $1,091,486,423
Capital Stock $21,136 $20,545 $20,545 $19,954
Common Stock $21,136 $20,545 $20,545 $19,954
Long Term Capital Lease Obligation $1,868,247 $1,621,562 $4,034,024 $694,828
Current Deferred Revenue $6,798,409 $4,316,035 - $0
Current Capital Lease Obligation $1,609,294 $5,110,040 $4,863,946 $1,382,562
Current Accrued Expenses $78,389,964 $28,511,609 $19,523,626 $18,443,767
Dueto Related Parties Current $1,378,128 $1,569,091 $1,405,472 $1,707,584
Investments And Advances $337,600,234 $164,677,706 $31,298,756 $1,769,070
Other Investments $50,942,694 $0 - -
Held To Maturity Securities $118,838,105 $109,213,085 - -
Available For Sale Securities $167,819,435 $55,464,621 - -
Goodwill $11,935,350 $11,935,350 $11,935,350 $505,491
Net PPE $41,333,933 $42,404,480 $13,853,555 $7,367,161
Accumulated Depreciation $-12,771,775 $-10,930,871 $-9,717,102 $-8,286,799
Gross PPE $54,105,707 $53,335,351 $23,570,657 $15,653,960
Leases $7,346,616 $6,837,577 $6,461,120 $5,582,571
Other Properties $3,540,653 $6,927,886 $8,846,239 $2,726,547
Machinery Furniture Equipment $8,486,926 $8,116,529 $8,263,298 $7,344,842
Buildings And Improvements $34,731,512 $31,453,359 $0 -
Properties $0 $0 $0 $0
Duefrom Related Parties Current $30,891 $37,986 $9,607 $52,914
Other Short Term Investments $78,435,044 $238,352,119 $442,899,755 $314,879,009
Preferred Stock - - - -
Pensionand Other Post Retirement Benefit Plans Current - - - -
Fetched: 2026-05-30
Cash Flow Statement (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Free Cash Flow
Free Cash Flow $31,673,292 $32,344,767 $58,086,227 $111,418,030
Operating Activities
Operating Cash Flow $36,052,587 $64,627,456 $60,084,837 $113,174,537
Cash Flow From Continuing Operating Activities $36,052,587 $64,627,456 $60,084,837 $113,174,537
Operating Gains Losses $15,372 $-1,086,953 $-90,604 $-397,003
Investing Activities
Capital Expenditure $-4,379,295 $-32,282,689 $-1,998,611 $-1,756,507
Investing Cash Flow $-33,217,552 $43,105,220 $-173,368,602 $-20,665,858
Cash Flow From Continuing Investing Activities $-33,217,552 $43,105,220 $-173,368,602 $-20,665,858
Financing Activities
Repurchase Of Capital Stock $-13,484,783 $-15,811,963 $-77,748,788 $-9,906,144
Financing Cash Flow $-55,269,076 $-29,350,842 $-55,757,421 $-8,492,395
Cash Flow From Continuing Financing Activities $-55,269,076 $-29,350,842 $-55,757,421 $-8,492,395
Net Other Financing Charges $-1,059,609 - - -
Cash Dividends Paid $-19,275,610 $-23,452,266 $0 $0
Common Stock Dividend Paid $-19,275,610 $-23,452,266 $0 $0
Net Common Stock Issuance $-13,484,783 $-15,811,963 $-77,748,788 $-9,906,144
Issuance Of Capital Stock - - $0 $0
Common Stock Issuance - - $0 $0
Net Preferred Stock Issuance - - - $0
Preferred Stock Issuance - - - $0
Other
Repayment Of Debt $-38,657,935 $-27,653,605 $-4,451,720 $-24,240
Issuance Of Debt $16,258,480 $36,499,104 $24,712,298 $0
Interest Paid Supplemental Data $41,829 $278,168 $34,882 $0
Income Tax Paid Supplemental Data $53,505 $294,574 $189,337 $251,415
End Cash Position $167,233,687 $222,728,016 $143,965,290 $309,137,992
Beginning Cash Position $222,728,016 $143,965,290 $309,137,992 $219,546,084
Effect Of Exchange Rate Changes $-3,060,289 $380,892 $3,868,484 $5,575,624
Changes In Cash $-52,434,040 $78,381,835 $-169,041,186 $84,016,285
Proceeds From Stock Option Exercised $950,382 $1,067,887 $1,730,789 $1,437,989
Common Stock Payments $-13,484,783 $-15,811,963 $-77,748,788 $-9,906,144
Net Issuance Payments Of Debt $-22,399,455 $8,845,500 $20,260,578 $-24,240
Net Short Term Debt Issuance $-22,399,455 $8,845,500 $20,263,387 $0
Short Term Debt Payments $-38,657,935 $-27,653,605 $-4,448,911 $0
Short Term Debt Issuance $16,258,480 $36,499,104 $24,712,298 $0
Net Long Term Debt Issuance $0 $0 $-2,808 $-24,240
Long Term Debt Payments $0 $0 $-2,808 $-24,240
Net Investment Purchase And Sale $-26,360,021 $75,363,670 $-142,256,819 $-19,042,670
Sale Of Investment $1,078,575,712 $1,177,100,916 $1,579,129,367 $2,516,216,843
Purchase Of Investment $-1,104,935,733 $-1,101,737,247 $-1,721,386,186 $-2,535,259,513
Net Business Purchase And Sale $-2,494,790 $0 $-29,146,724 $0
Sale Of Business $17,884 $0 - $0
Purchase Of Business $-2,512,674 $0 $-29,146,724 $0
Net PPE Purchase And Sale $-4,362,741 $-32,258,449 $-1,965,059 $-1,623,187
Sale Of PPE $16,554 $24,240 $33,552 $133,320
Purchase Of PPE $-4,379,295 $-32,282,689 $-1,998,611 $-1,756,507
Change In Working Capital $-58,521,363 $-3,690,231 $15,239,073 $838,199
Change In Other Working Capital $-3,478,871 $1,323,884 $-575,550 $1,894,556
Change In Other Current Liabilities $-217,864 $-816,028 $6,155,460 $-5,102,946
Change In Other Current Assets $406,610 $511,551 $-5,426,785 $4,229,422
Change In Payables And Accrued Expense $86,648,385 $7,871,765 $4,692,788 $-12,318,459
Change In Accrued Expense $64,853,745 $15,943,213 $-6,435,697 $12,566,918
Change In Payable $21,794,640 $-8,071,448 $11,128,486 $-24,885,377
Change In Account Payable $21,794,640 $-8,071,448 $11,128,486 $-24,885,377
Change In Prepaid Assets $-10,108,636 $2,389,110 $22,162,377 $12,578,299
Change In Receivables $-131,770,986 $-14,970,512 $-11,769,218 $-442,674
Changes In Account Receivables $-83,084,082 $-5,192,515 $2,993,630 $-6,328,835
Other Non Cash Items $-1,332,900 $-2,460,204 $-2,932,734 $-572,298
Stock Based Compensation $7,651,388 $12,840,060 $19,786,422 $16,557,931
Provisionand Write Offof Assets $2,665,799 $1,865,734 $1,424,095 $3,473,550
Asset Impairment Charge $0 $3,586,916 $461,741 $54,983
Depreciation Amortization Depletion $2,056,402 $1,710,096 $2,003,488 $3,395,953
Depreciation And Amortization $2,056,402 $1,710,096 $2,003,488 $3,395,953
Amortization Cash Flow $19,067 $18,919 $20,397 $20,545
Amortization Of Intangibles $19,067 $18,919 $20,397 $20,545
Depreciation $2,037,335 $1,691,177 $1,983,091 $3,375,408
Net Foreign Currency Exchange Gain Loss $-40,794 $-1,184,800 $-641,767 $-600,677
Gain Loss On Sale Of PPE $8,573 $97,846 $230,575 $203,674
Gain Loss On Sale Of Business $47,593 $0 $320,588 $0
Net Income From Continuing Operations $83,517,888 $51,862,037 $24,193,357 $89,823,222
Net Intangibles Purchase And Sale - - $0 $0
Purchase Of Intangibles - - $0 $0
Earnings Losses From Equity Investments - - - $0
Fetched: 2026-05-30