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WDH stock logo

WDH

Waterdrop Inc.

$1.9
0.01
 (0.53%)
Exchange:  NYSE
Market Cap:  68.727M
Shares Outstanding:  321.514M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Insurance – Diversified
   
CEO:  Peng Shen
Full Time Employees:  3057
Address: 
Wangjing Science and Technology Park
Beijing
100102
CN
Website:  https://www.waterdrop-inc.com
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.

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Revenue Segmentation

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EPS

Historical EPS and analyst estimates in one chart. Log in for the full interactive view and links to detailed estimates.

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View full analyst estimates

Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2025/06/05 — Q1 quarter 2025

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue2,630,7072,771,8213,869,387.564
Gross Profit1,044,6291,457,0811,979,166.686
EBITDA6,812191,713360,754.030
Operating Income-6,743178,158360,754.030
Net Income167,221367,510553,435.431

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets6,148,6636,453,6657,105,347.745
Total Liabilities1,470,2091,580,0971,950,139.040
Total Stockholders Equity4,585,6944,797,4355,155,208.704
Total Debt197,758243,91770,572.906
Cash and Cash Equivalents396,905986,3231,132,173.495

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(* All numbers are in thousands)

Cash Flow Statement

Year202220232024
Operating Cash Flow765,705406,5160
Capital Expenditure-11,884-13,5220
Free Cash Flow753,821392,9940
Net Income607,717163,685367,510
Net Change in Cash606,152-1,117,509-974,026

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2028Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)5,359,490.635Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)5,670,710.840Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)5,522,087.707Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)-262,702.712Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)-248,285.050Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)-255,817.561Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)9,260.400Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)9,965.968Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)9,613.184Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)2,486,101.862Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)2,630,467.285Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)2,561,525.613Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)0.260Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)0.270Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)0.250Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)1Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)1Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
385.145M  ?P/S
 (TTM)
: 
1.08
?Net Income
 (TTM)
: 
51.066M  ?P/E
 (TTM)
: 
0.75
?Enterprise Value
 (TTM)
: 
3.208B  ?EV/FCF
 (TTM)
: 
0
?Dividend Yield
 (TTM)
: 
0.01  ?Payout Ratio
 (TTM)
: 
0
?ROE
 (TTM)
: 
0.11  ?ROIC
 (TTM)
: 
0.07
?Net Debt
 (TTM)
: 
-393960064.4  ?Debt/Equity
 (TTM)
: 
0.01
?P/B
 (TTM)
: 
0.08  ?Current Ratio
 (TTM)
: 
2.1

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
76.11Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

Strengths (preview)
  • Robust Revenue Growth: Waterdrop reported a total revenue of $687 million for Q4 2024, reflecting strong financial performance as highlighted in the latest earnings call. This indicates a solid business model and effective market penetration within the insurtech industry.
  • Strategic Focus on AI Innovation: The company emphasized leveraging AI to drive future growth during the Q4 2024 earnings call, positioning Waterdrop as a leader in technological advancement within its sector. This focus could enhance operational efficiency and customer engagement.
  • Positive Industry Positioning: Waterdrop operates in the insurtech industry, which aligns with broader sector trends toward digital transformation in insurance and financial services, providing a competitive edge over traditional players.

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At what price to buy it? -
Intrinsic Value Calculator

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate WDH Intrinsic Value

Common questions about WDH valuation

Is Waterdrop Inc. (WDH) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Waterdrop Inc. (WDH) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is WDH a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether WDH trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is WDH’s P/E ratio?

You can see WDH’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for WDH?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is WDH a good long-term investment?

Whether WDH fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

WDH

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

0.53
Chart data temporarily unavailable.
Daily snapshot

Trading Metrics:

Open: 1.88   Previous Close: 1.89
Day Low: 1.8   Day High: 1.91
Year Low: 1.08   Year High: 2.18
Price Avg 50: 1.76   Price Avg 200: 1.62
Volume: 398055   Average Volume: 263293

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WDH full analysis

12/12/2025

Welcome to MARKETSNAP’s SWOT analysis for Waterdrop, a company that might not be on everyone’s radar just yet but is definitely worth a closer look. If you’re a long-term investor hunting for opportunities in the insurtech space, stick around because we’ve got some intriguing insights to share about this player. Today, we’re diving deep into Waterdrop’s strengths, weaknesses, opportunities, and threats, while also unpacking their recent performance and what could shape their future. Let’s get started! Company Overview For those…

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See in Nexus

Relevant news

Waterdrop: Profitable Growth Meets Deep Value In China's InsurTech
18-02-2026 05:03
Waterdrop: Profitable Growth Meets Deep Value In China's InsurTech
Waterdrop Shares Remain Lackluster Despite A Return To Revenue Growth
05-12-2025 08:45
Waterdrop Shares Remain Lackluster Despite A Return To Revenue Growth
Waterdrop Inc. Announces Third Quarter 2025 Unaudited Financial Results
03-12-2025 05:04
Waterdrop Inc. Announces Third Quarter 2025 Unaudited Financial Results
Waterdrop: Secular Growth And A Vast Pool Of Prospects
27-11-2025 22:07
Waterdrop: Secular Growth And A Vast Pool Of Prospects

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