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WDH

Waterdrop Inc.

Price Chart
Latest Quote

$1.00

-0.02 (-1.96%)
Current Price
Previous Close $1.02
Open $1.01
Day High $1.01
Day Low $0.99
Volume 253,564
Fetched: 2026-10-27T12:29:51
Stock Information
Note: Financial values converted from CNY to USD
Quarterly Dividend / Yield $0.06 / 6.00%
Shares Outstanding 279.11M
Quarterly Dividend Yield 6.00%
Quarterly Dividend $0.06
Total Debt $74.65M
Cash Equivalents $186.81M
Revenue $761.62M
Net Income $81.72M
Sector Financial Services
Industry Insurance - Diversified
Market Cap $359.30M
P/E Ratio 5.00
EPS (TTM) $0.20
Exchange NYQ
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📊 Comprehensive Analysis
Company Data
Enterprise Value$-278.36M
Sales$761.62M
Income$81.72M
Book/sh$2.17
Cash/sh$4.46
Employees3K
Financial Ratios
Quick Ratio1.74
Current Ratio2.19
Debt/Eq9.37
EPS Growth TTM-10.30%
Returns & Margins
ROA3.38%
ROE10.56%
Gross Margin57.13%
Operating Margin7.68%
Profit Margin10.73%
Ownership
Insider Ownership2.55%
Institutional Ownership10.35%
Insider & Institutional transactions data not available
Valuation Ratios
Forward P/E6.08
P/S0.07
P/B0.46
Analyst Data
Recommendationnone
Target Price$1.73
Technical Indicators
SMA20$1.01
SMA50$1.00
SMA200$1.34
RSI52.94
ATR0.0258
Shares Float140.76M
Short Float0.09%
Short Ratio0.12
Volatility-0.24
Rel Volume0.85
Performance History
Week-0.99%
Month+0.03%
Quarter-10.41%
6 Months-39.04%
YTD-44.79%
Year-41.07%
3 Years+8.67%
5 Years-51.12%
10 Years-88.46%
Stock Score: ⭐ Premium
Based on debt, profitability, growth, and cash flow metrics
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Recent Price History
Date Close Volume
2026-10-27 $1.00 210,136
2026-10-26 $1.00 253,600
2026-10-23 $1.02 158,900
2026-10-22 $1.01 418,700
2026-10-21 $1.01 209,700
2026-10-20 $1.01 194,900
2026-10-19 $1.01 53,600
2026-10-16 $1.01 249,600
2026-10-15 $1.01 269,100
2026-10-14 $1.03 318,100
2026-10-13 $1.05 204,200
2026-10-12 $1.02 379,000
2026-10-09 $1.04 509,000
2026-10-08 $0.99 286,000
2026-10-07 $0.99 109,600
2026-10-06 $0.99 199,000
2026-10-05 $1.00 68,500
2026-10-02 $1.00 136,800
2026-10-01 $0.99 209,900
2026-09-30 $0.99 534,100
2026-09-29 $1.00 763,400
2026-09-28 $1.00 148,700
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.

📰 Latest News
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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 $332,517,755 $240,481,955 $236,586,817 $199,307,431
Cost Of Revenue $332,517,755 $240,481,955 $236,586,817 $199,307,431
Total Revenue $593,341,447 $413,457,792 $392,408,568 $417,924,827
Operating Revenue $590,169,907 $406,099,797 $388,438,848 $413,845,322
Expenses
Total Expenses $538,022,532 $386,882,911 $393,414,385 $346,626,049
Other Income Expense $5,503,282 $4,968,825 $5,211,814 $10,589,648
Other Non Operating Income Expenses $5,462,112 $3,773,121 $4,564,141 $9,983,443
Net Non Operating Interest Income Expense $20,241,200 $22,243,586 $20,292,811 $12,188,693
Operating Expense $205,504,776 $146,400,957 $156,827,568 $147,318,618
Selling And Marketing Expense $124,536,398 $59,265,812 $52,195,257 $45,895,436
General And Administrative Expense $46,260,293 $54,840,693 $60,023,121 $57,973,002
Income & Earnings
Net Income From Continuing Operation Net Minority Interest $84,865,156 $54,819,512 $24,943,467 $90,649,912
Net Interest Income $20,241,200 $22,243,586 $20,292,811 $12,188,693
Interest Income $20,241,200 $22,243,586 $20,292,811 $12,188,693
Normalized Income $84,834,279 $53,655,996 $24,297,983 $90,065,790
Net Income From Continuing And Discontinued Operation $84,865,156 $54,819,512 $24,943,467 $90,649,912
Total Operating Income As Reported $55,318,915 $26,574,881 $-1,005,817 $71,298,778
Net Income Common Stockholders $84,865,156 $54,819,512 $24,943,467 $90,649,912
Net Income $84,865,156 $54,819,512 $24,943,467 $90,649,912
Net Income Including Noncontrolling Interests $84,286,547 $52,339,350 $24,416,021 $90,649,912
Net Income Continuous Operations $84,286,547 $52,339,350 $24,416,021 $90,649,912
Pretax Income $81,063,396 $53,787,292 $24,498,807 $94,077,120
Interest Income Non Operating $20,241,200 $22,243,586 $20,292,811 $12,188,693
Operating Income $55,318,915 $26,574,881 $-1,005,817 $71,298,778
Gross Profit $260,823,691 $172,975,838 $155,821,751 $218,617,396
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 $10,292 $32,188 $2,189 $22,084
Tax Rate For Calcs $0 $0 $0 $0
Normalized EBITDA (Bullshit earnings) $57,353,074 $27,105,012 $368,437 $74,119,780
Total Unusual Items $41,169 $1,195,704 $647,673 $606,205
Total Unusual Items Excluding Goodwill $41,169 $1,195,704 $647,673 $606,205
Reconciled Depreciation $2,075,328 $1,725,835 $2,021,927 $3,427,208
EBITDA (Bullshit earnings) $57,394,243 $28,300,716 $1,016,110 $74,725,986
EBIT $55,318,915 $26,574,881 $-1,005,817 $71,298,778
Diluted Average Shares $55,392,574 $55,485,934 $57,888,746 $60,001,003
Basic Average Shares $53,927,927 $54,452,631 $56,230,307 $58,493,269
Diluted NI Availto Com Stockholders $84,865,156 $54,819,512 $24,943,467 $90,649,912
Minority Interests $578,610 $2,480,161 $527,446 $0
Tax Provision $-3,223,150 $1,447,942 $82,786 $3,427,208
Gain On Sale Of Security $41,169 $1,195,704 $647,673 $606,205
Research And Development $34,708,085 $32,294,452 $44,609,189 $43,450,180
Selling General And Administration $170,796,691 $114,106,505 $112,218,379 $103,868,438
Other Gand A $46,260,293 $54,840,693 $60,023,121 $57,973,002
Otherunder Preferred Stock Dividend - - $0 $0
Fetched: 2026-10-06
Balance Sheet (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Assets
Net Tangible Assets $730,017,463 $680,738,823 $645,515,523 $701,983,006
Total Assets $1,059,192,438 $962,658,875 $917,163,349 $883,386,499
Total Non Current Assets $465,398,575 $270,822,647 $107,729,417 $34,547,137
Non Current Deferred Assets $428,103 $4,031,623 $3,608,294 $919,749
Non Current Deferred Taxes Assets $428,103 $4,031,623 $3,608,294 $919,749
Non Current Accounts Receivable $44,080,550 $22,933,920 $20,045,197 $15,452,118
Investmentin Financial Assets $289,295,798 $166,193,320 - -
Goodwill And Other Intangible Assets $38,468,228 $34,869,034 $38,508,055 $8,954,952
Other Intangible Assets $26,423,031 $22,823,837 $26,462,858 $8,444,809
Current Assets $593,793,863 $691,836,227 $809,433,932 $848,839,362
Restricted Cash $96,725,837 $77,653,342 $86,086,069 $77,172,436
Prepaid Assets $19,073,986 $17,443,318 $19,156,623 $43,468,079
Receivables $326,790,130 $209,069,215 $198,011,041 $167,995,080
Receivables Adjustments Allowances $-7,970,316 $-8,152,446 $-8,200,925 $-7,757,608
Other Receivables $141,332,043 $107,291,768 $100,635,891 $67,136,785
Taxes Receivable $5,380,519 $3,058,920 $2,178,848 $1,753,729
Accounts Receivable $188,016,709 $106,832,639 $103,387,531 $100,804,894
Allowance For Doubtful Accounts Receivable $-6,953,461 $-4,291,766 $-2,873,359 $-1,530,579
Gross Accounts Receivable $194,970,170 $111,124,405 $106,260,891 $102,335,473
Cash Cash Equivalents And Short Term Investments $151,203,910 $387,670,352 $506,180,198 $552,587,717
Cash And Cash Equivalents $72,046,988 $147,124,555 $59,204,207 $234,810,713
Other Current Assets - - $28,318,318 $51,084,130
Debt
Total Debt $10,520,287 $36,383,801 $29,498,509 $2,096,510
Long Term Debt And Capital Lease Obligation $1,885,442 $1,636,486 $4,071,152 $701,223
Current Debt And Capital Lease Obligation $8,634,845 $34,747,316 $25,427,357 $1,395,286
Current Debt $7,010,740 $29,590,245 $20,518,646 -
Other Current Borrowings $7,010,740 $29,590,245 $20,518,646 -
Liabilities
Total Liabilities Net Minority Interest $290,706,747 $235,694,663 $219,303,255 $172,448,541
Total Non Current Liabilities Net Minority Interest $8,418,556 $14,193,914 $15,005,668 $5,131,862
Non Current Deferred Liabilities $6,533,115 $12,557,429 $10,934,517 $4,430,638
Non Current Deferred Taxes Liabilities $6,533,115 $12,557,429 $10,934,517 $4,430,638
Current Liabilities $282,288,190 $221,500,749 $204,297,587 $167,316,679
Other Current Liabilities $9,528,640 $11,815,782 $12,790,722 $15,591,587
Current Deferred Liabilities $6,860,979 $4,355,758 - $0
Payables And Accrued Expenses $257,263,727 $170,581,894 $166,079,507 $150,329,805
Payables $178,152,300 $141,807,878 $146,376,195 $131,716,291
Other Payable $70,969,124 $58,302,358 $53,955,848 $49,448,091
Total Tax Payable $3,644,391 $1,769,242 $2,703,461 $3,477,327
Accounts Payable $102,147,973 $80,152,746 $88,298,480 $77,067,573
Equity
Common Stock Equity $768,485,692 $715,607,857 $684,023,578 $710,937,958
Total Equity Gross Minority Interest $768,485,692 $726,964,211 $697,860,094 $710,937,958
Stockholders Equity $768,485,692 $715,607,857 $684,023,578 $710,937,958
Gains Losses Not Affecting Retained Earnings $6,506,862 $23,799,225 $21,495,675 $16,146,331
Other Equity Adjustments $6,506,862 $23,799,225 $21,495,675 $16,146,331
Retained Earnings $-242,469,723 $-327,334,880 $-382,154,391 $-406,760,000
Other
Treasury Shares Number $70,901,937 $68,524,428 $57,061,381 -
Ordinary Shares Number $538,310,706 $540,688,215 $552,151,263 $583,225,793
Share Issued $609,212,643 $609,212,643 $609,212,643 $583,225,793
Tangible Book Value $730,017,463 $680,738,823 $645,515,523 $701,983,006
Invested Capital $775,496,431 $745,198,102 $704,542,224 $710,937,958
Working Capital $311,505,673 $470,335,478 $605,136,345 $681,522,683
Capital Lease Obligations $3,509,547 $6,793,556 $8,979,863 $2,096,510
Total Capitalization $768,485,692 $715,607,857 $684,023,578 $710,937,958
Minority Interest $0 $11,356,355 $13,836,516 $0
Treasury Stock $2,387 $2,237 $1,790 $447
Additional Paid In Capital $1,004,429,609 $1,019,125,015 $1,044,663,351 $1,101,531,937
Capital Stock $21,331 $20,734 $20,734 $20,137
Common Stock $21,331 $20,734 $20,734 $20,137
Long Term Capital Lease Obligation $1,885,442 $1,636,486 $4,071,152 $701,223
Current Deferred Revenue $6,860,979 $4,355,758 - $0
Current Capital Lease Obligation $1,624,105 $5,157,070 $4,908,711 $1,395,286
Current Accrued Expenses $79,111,427 $28,774,016 $19,703,312 $18,613,515
Dueto Related Parties Current $1,390,811 $1,583,532 $1,418,407 $1,723,300
Investments And Advances $340,707,344 $166,193,320 $31,586,814 $1,785,352
Other Investments $51,411,546 $0 - -
Held To Maturity Securities $119,931,834 $110,218,230 - -
Available For Sale Securities $169,363,964 $55,975,090 - -
Goodwill $12,045,197 $12,045,197 $12,045,197 $510,143
Net PPE $41,714,350 $42,794,750 $13,981,056 $7,434,964
Accumulated Depreciation $-12,889,320 $-11,031,474 $-9,806,534 $-8,363,067
Gross PPE $54,603,670 $53,826,224 $23,787,590 $15,798,031
Leases $7,414,230 $6,900,507 $6,520,585 $5,633,950
Other Properties $3,573,240 $6,991,647 $8,927,655 $2,751,641
Machinery Furniture Equipment $8,565,036 $8,191,229 $8,339,350 $7,412,440
Buildings And Improvements $35,051,164 $31,742,841 $0 -
Properties $0 $0 $0 $0
Duefrom Related Parties Current $31,175 $38,335 $9,696 $53,401
Other Short Term Investments $79,156,922 $240,545,797 $446,975,991 $317,777,003
Preferred Stock - - - -
Pensionand Other Post Retirement Benefit Plans Current - - - -
Fetched: 2026-10-06
Cash Flow Statement (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Free Cash Flow
Free Cash Flow $31,964,798 $32,642,453 $58,620,824 $112,443,468
Operating Activities
Operating Cash Flow $36,384,398 $65,222,256 $60,637,829 $114,216,141
Cash Flow From Continuing Operating Activities $36,384,398 $65,222,256 $60,637,829 $114,216,141
Operating Gains Losses $15,513 $-1,096,957 $-91,438 $-400,656
Investing Activities
Capital Expenditure $-4,419,600 $-32,579,804 $-2,017,005 $-1,772,673
Investing Cash Flow $-33,523,270 $43,501,940 $-174,964,203 $-20,856,056
Cash Flow From Continuing Investing Activities $-33,523,270 $43,501,940 $-174,964,203 $-20,856,056
Financing Activities
Repurchase Of Capital Stock $-13,608,890 $-15,957,488 $-78,464,351 $-9,997,315
Financing Cash Flow $-55,777,745 $-29,620,973 $-56,270,586 $-8,570,555
Cash Flow From Continuing Financing Activities $-55,777,745 $-29,620,973 $-56,270,586 $-8,570,555
Net Other Financing Charges $-1,069,362 - - -
Cash Dividends Paid $-19,453,013 $-23,668,109 $0 $0
Common Stock Dividend Paid $-19,453,013 $-23,668,109 $0 $0
Net Common Stock Issuance $-13,608,890 $-15,957,488 $-78,464,351 $-9,997,315
Issuance Of Capital Stock - - $0 $0
Common Stock Issuance - - $0 $0
Net Preferred Stock Issuance - - - $0
Preferred Stock Issuance - - - $0
Other
Repayment Of Debt $-39,013,724 $-27,908,115 $-4,492,691 $-24,463
Issuance Of Debt $16,408,115 $36,835,024 $24,939,738 $0
Interest Paid Supplemental Data $42,214 $280,728 $35,203 $0
Income Tax Paid Supplemental Data $53,998 $297,285 $191,080 $253,729
End Cash Position $168,772,825 $224,777,897 $145,290,277 $311,983,149
Beginning Cash Position $224,777,897 $145,290,277 $311,983,149 $221,566,680
Effect Of Exchange Rate Changes $-3,088,455 $384,397 $3,904,087 $5,626,939
Changes In Cash $-52,916,618 $79,103,223 $-170,596,960 $84,789,530
Proceeds From Stock Option Exercised $959,129 $1,077,715 $1,746,718 $1,451,223
Common Stock Payments $-13,608,890 $-15,957,488 $-78,464,351 $-9,997,315
Net Issuance Payments Of Debt $-22,605,609 $8,926,909 $20,447,047 $-24,463
Net Short Term Debt Issuance $-22,605,609 $8,926,909 $20,449,881 $0
Short Term Debt Payments $-39,013,724 $-27,908,115 $-4,489,857 $0
Short Term Debt Issuance $16,408,115 $36,835,024 $24,939,738 $0
Net Long Term Debt Issuance $0 $0 $-2,834 $-24,463
Long Term Debt Payments $0 $0 $-2,834 $-24,463
Net Investment Purchase And Sale $-26,602,626 $76,057,280 $-143,566,082 $-19,217,930
Sale Of Investment $1,088,502,403 $1,187,934,385 $1,593,662,911 $2,539,374,888
Purchase Of Investment $-1,115,105,028 $-1,111,877,105 $-1,737,228,993 $-2,558,592,818
Net Business Purchase And Sale $-2,517,751 $0 $-29,414,977 $0
Sale Of Business $18,049 $0 - $0
Purchase Of Business $-2,535,800 $0 $-29,414,977 $0
Net PPE Purchase And Sale $-4,402,894 $-32,555,341 $-1,983,144 $-1,638,127
Sale Of PPE $16,706 $24,463 $33,860 $134,547
Purchase Of PPE $-4,419,600 $-32,579,804 $-2,017,005 $-1,772,673
Change In Working Capital $-59,059,965 $-3,724,195 $15,379,326 $845,913
Change In Other Working Capital $-3,510,889 $1,336,068 $-580,847 $1,911,993
Change In Other Current Liabilities $-219,869 $-823,538 $6,212,112 $-5,149,911
Change In Other Current Assets $410,352 $516,259 $-5,476,730 $4,268,347
Change In Payables And Accrued Expense $87,445,855 $7,944,213 $4,735,979 $-12,431,832
Change In Accrued Expense $65,450,627 $16,089,947 $-6,494,928 $12,682,578
Change In Payable $21,995,227 $-8,145,734 $11,230,907 $-25,114,410
Change In Account Payable $21,995,227 $-8,145,734 $11,230,907 $-25,114,410
Change In Prepaid Assets $-10,201,671 $2,411,098 $22,366,349 $12,694,063
Change In Receivables $-132,983,743 $-15,108,294 $-11,877,536 $-446,748
Changes In Account Receivables $-83,848,748 $-5,240,304 $3,021,181 $-6,387,082
Other Non Cash Items $-1,345,167 $-2,482,846 $-2,959,726 $-577,566
Stock Based Compensation $7,721,808 $12,958,234 $19,968,527 $16,710,322
Provisionand Write Offof Assets $2,690,334 $1,882,906 $1,437,202 $3,505,519
Asset Impairment Charge $0 $3,619,928 $465,990 $55,489
Depreciation Amortization Depletion $2,075,328 $1,725,835 $2,021,927 $3,427,208
Depreciation And Amortization $2,075,328 $1,725,835 $2,021,927 $3,427,208
Amortization Cash Flow $19,242 $19,093 $20,585 $20,734
Amortization Of Intangibles $19,242 $19,093 $20,585 $20,734
Depreciation $2,056,086 $1,706,742 $2,001,343 $3,406,474
Net Foreign Currency Exchange Gain Loss $-41,169 $-1,195,704 $-647,673 $-606,205
Gain Loss On Sale Of PPE $8,652 $98,747 $232,697 $205,549
Gain Loss On Sale Of Business $48,031 $0 $323,538 $0
Net Income From Continuing Operations $84,286,547 $52,339,350 $24,416,021 $90,649,912
Net Intangibles Purchase And Sale - - $0 $0
Purchase Of Intangibles - - $0 $0
Earnings Losses From Equity Investments - - - $0
Fetched: 2026-10-06