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Company Analysis

Waterdrop Inc. WDH

A comprehensive view of key metrics, scores, and financial health for Waterdrop Inc.

Overview of Waterdrop Inc.

WDH NYQ
Financial Services Insurance - Diversified Framework: Insurance & Reinsurance Small Cap
Waterdrop Inc. (WDH), is a Small Cap company, in the Insurance - Diversified industry, last closed at $1.40, about 907.1% undervalued vs fair value, +4.5% 1Y return, placing in the top 10% of its sector.
USD 1.40
-0.71%
(Delayed)
• Vol 90d: 33.5%
52-Week Range
Market Cap
$503.02M
Enterprise Value
$243.59M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Fair
Valuation
Fair
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Fair
Valuation
Fair
Completeness: 82%
Confidence: 54%
Updated: Mar 8
Top Beats

Quick Facts

Website https://www.waterdrop-inc.com
HQ Beijing
Employees 3,057
Fiscal year Dec 31

Next Events

Earnings Jun 16 Call: Jun 16

Fair Value Snapshot

Bear Base Bull
$8
$14
$26
Current: $1.40 +907% vs base

Engine Room Money Flow™

Small Cap

Insurance & Reinsurance - Where revenue goes and how value is created

Flow Steps
Total Revenue
$2.8B
5.4%%
Claims & Losses
$-1.6B
1.6%%
Acquisition & Admin Expenses
$-765.0M
Underwriting Result
$178.2M
2742.1%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Insurance & Reinsurance

Quality & Reliability Indicators

Loss Ratio
58.2%
Good

Claims & Losses / Revenue — core underwriting discipline metric; lower is better

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$265.6M
72.3% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
3
Active Leaks
3/3
Improving
1
High Impact
1
Critical
Locked Leak
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Locked Leak
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Moat Analysis Insurance & Reinsurance

Competitive Advantage Assessment

Evaluating Waterdrop Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
34
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Underwriting Discipline

Developing
27
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Insurance (Life, P&C, Reinsurance) vs Industry Peers 100% Coverage
Trade-Off Triangle Visualization A ternary plot showing WDH's balance between Growth (28.0%), Profitability (36.1%), and Safety (35.9%). Growth 28% Safety 36% Profitability 36%

Click axes to expand details. Marker shows current allocation.

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Growth

37th percentile vs peers
37
Key Signals
Rev Growth YoY 5.4% 39p EPS Growth YoY 1.29 81p Equity Growth YoY 4.6% 32p Asset Growth YoY 5.0% 47p Revenue CAGR 3Y -4.7% 8p
Strengths
  • EPS Growth YoY in top 20% of peers (1.29, 81th percentile)
  • Equity/Assets in top 20% of peers (75.5%, 93th percentile)
Risks
  • Growth below peer median (percentile: 37)

Profitability

48th percentile vs peers
48
Key Signals
Strengths
Risks
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Safety

47th percentile vs peers
48
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Waterdrop Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$14.10
- - -
+907.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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