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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 Small Cap
Waterdrop Inc. (WDH), is a Small Cap company, in the Insurance - Diversified industry, last closed at $1.68, about 739.3% undervalued vs fair value, +29.0% 1Y return, placing in the top 10% of its sector.
$1.68
0.60%
As of April 28, 2026
Previous close • Vol 90d: 31.8%
52-Week Range
Market Cap
$607.59M
Enterprise Value
$348.16M
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 4 Estimated

Fair Value Snapshot

Bear Base Bull
$8
$14
$26
Current: $1.68 +739% 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.
4
Active Leaks
4/4
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
31
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Underwriting Discipline

Developing
32
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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 (37.6%), Profitability (27.4%), and Safety (35.0%). Growth 38% Safety 35% Profitability 27%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

49th percentile vs peers
50
Key Signals
Rev Growth YoY 5.4% 61p EPS Growth YoY 1.29 80p Equity Growth YoY 4.6% 38p Revenue CAGR 3Y -4.7% 23p Asset Growth YoY 5.0% 53p
Strengths
  • EPS Growth YoY in top 20% of peers (1.29, 80th percentile)
  • Equity/Assets in top 20% of peers (75.5%, 92th percentile)
Risks

No significant risks identified for this axis.

Profitability

36th percentile vs peers
36
Key Signals
Strengths
Risks
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Safety

46th percentile vs peers
46
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
- - -
+739.3% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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