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WDH

Waterdrop Inc.

Price Chart
Latest Quote

$1.18

+0.00 (+0.00%)
Current Price
Previous Close $1.18
Open $1.15
Day High $1.19
Day Low $1.15
Volume 114,010
Fetched: 2026-07-18T09:23:58
Stock Information
Note: Financial values converted from CNY to USD
Quarterly Dividend / Yield $0.06 / 5.08%
Shares Outstanding 279.11M
Quarterly Dividend Yield 5.08%
Quarterly Dividend $0.06
Total Debt $43.60M
Cash Equivalents $132.18M
Revenue $659.06M
Net Income $82.50M
Sector Financial Services
Industry Insurance - Diversified
Market Cap $423.98M
P/E Ratio 5.36
EPS (TTM) $0.22
Exchange NYQ
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📊 Comprehensive Analysis
Company Data
Enterprise Value$-66.32M
Sales$659.06M
Income$82.50M
Book/sh$2.07
Cash/sh$3.21
Employees3K
Financial Ratios
Quick Ratio1.45
Current Ratio1.95
Debt/Eq5.65
EPS Growth TTM-9.10%
Returns & Margins
ROA3.29%
ROE11.01%
Gross Margin53.97%
Operating Margin6.44%
Profit Margin12.52%
Ownership
Insider Ownership2.54%
Institutional Ownership10.25%
Insider & Institutional transactions data not available
Valuation Ratios
Forward P/E7.18
P/S0.09
P/B0.57
Analyst Data
Recommendationstrong_buy
Target Price$1.95
Technical Indicators
SMA20$1.17
SMA50$1.36
SMA200$1.64
RSI60.61
ATR0.0571
Shares Float141.07M
Short Float0.03%
Short Ratio0.19
Volatility-0.12
Rel Volume0.61
Performance History
Week+1.72%
Month-7.81%
Quarter-29.75%
6 Months-33.26%
YTD-36.77%
Year-17.15%
3 Years-38.07%
5 Years-79.02%
10 Years-86.78%
Stock Score: ⭐ Premium
Based on debt, profitability, growth, and cash flow metrics
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Recent Price History
Date Close Volume
2026-07-17 $1.18 114,900
2026-07-16 $1.18 64,000
2026-07-15 $1.16 101,300
2026-07-14 $1.15 75,000
2026-07-13 $1.15 134,100
2026-07-10 $1.16 79,300
2026-07-09 $1.18 193,400
2026-07-08 $1.19 154,500
2026-07-07 $1.21 93,800
2026-07-06 $1.27 324,000
2026-07-02 $1.20 149,000
2026-07-01 $1.16 96,100
2026-06-30 $1.13 209,600
2026-06-29 $1.10 128,200
2026-06-26 $1.11 222,900
2026-06-25 $1.11 261,600
2026-06-24 $1.15 131,400
2026-06-23 $1.19 283,700
2026-06-22 $1.20 510,900
2026-06-18 $1.24 437,500
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 $329,232,317 $238,105,875 $234,249,224 $197,338,176
Cost Of Revenue $329,232,317 $238,105,875 $234,249,224 $197,338,176
Total Revenue $587,478,943 $409,372,627 $388,531,379 $413,795,525
Operating Revenue $584,338,740 $402,087,333 $384,600,882 $409,756,328
Expenses
Total Expenses $532,706,606 $383,060,319 $389,527,259 $343,201,214
Other Income Expense $5,448,907 $4,919,730 $5,160,319 $10,485,017
Other Non Operating Income Expenses $5,408,144 $3,735,840 $4,519,045 $9,884,802
Net Non Operating Interest Income Expense $20,041,207 $22,023,809 $20,092,308 $12,068,263
Operating Expense $203,474,289 $144,954,444 $155,278,035 $145,863,038
Selling And Marketing Expense $123,305,917 $58,680,237 $51,679,543 $45,441,967
General And Administrative Expense $45,803,219 $54,298,840 $59,430,064 $57,400,200
Income & Earnings
Net Income From Continuing Operation Net Minority Interest $84,026,647 $54,277,868 $24,697,013 $89,754,246
Net Interest Income $20,041,207 $22,023,809 $20,092,308 $12,068,263
Interest Income $20,041,207 $22,023,809 $20,092,308 $12,068,263
Normalized Income $83,996,075 $53,125,848 $24,057,907 $89,175,896
Net Income From Continuing And Discontinued Operation $84,026,647 $54,277,868 $24,697,013 $89,754,246
Total Operating Income As Reported $54,772,337 $26,312,308 $-995,879 $70,594,311
Net Income Common Stockholders $84,026,647 $54,277,868 $24,697,013 $89,754,246
Net Income $84,026,647 $54,277,868 $24,697,013 $89,754,246
Net Income Including Noncontrolling Interests $83,453,754 $51,822,212 $24,174,778 $89,754,246
Net Income Continuous Operations $83,453,754 $51,822,212 $24,174,778 $89,754,246
Pretax Income $80,262,450 $53,255,847 $24,256,747 $93,147,592
Interest Income Non Operating $20,041,207 $22,023,809 $20,092,308 $12,068,263
Operating Income $54,772,337 $26,312,308 $-995,879 $70,594,311
Gross Profit $258,246,626 $171,266,752 $154,282,155 $216,457,349
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 $10,191 $31,870 $2,167 $21,866
Tax Rate For Calcs $0 $0 $0 $0
Normalized EBITDA (Bullshit earnings) $56,786,397 $26,837,202 $364,796 $73,387,441
Total Unusual Items $40,763 $1,183,890 $641,274 $600,216
Total Unusual Items Excluding Goodwill $40,763 $1,183,890 $641,274 $600,216
Reconciled Depreciation $2,054,823 $1,708,783 $2,001,950 $3,393,345
EBITDA (Bullshit earnings) $56,827,160 $28,021,091 $1,006,070 $73,987,656
EBIT $54,772,337 $26,312,308 $-995,879 $70,594,311
Diluted Average Shares $54,845,268 $54,937,706 $57,316,777 $59,408,163
Basic Average Shares $53,395,092 $53,914,613 $55,674,724 $57,915,327
Diluted NI Availto Com Stockholders $84,026,647 $54,277,868 $24,697,013 $89,754,246
Minority Interests $572,893 $2,455,656 $522,235 $0
Tax Provision $-3,191,304 $1,433,635 $81,968 $3,393,345
Gain On Sale Of Security $40,763 $1,183,890 $641,274 $600,216
Research And Development $34,365,152 $31,975,367 $44,168,429 $43,020,871
Selling General And Administration $169,109,136 $112,979,077 $111,109,606 $102,842,167
Other Gand A $45,803,219 $54,298,840 $59,430,064 $57,400,200
Otherunder Preferred Stock Dividend - - $0 $0
Fetched: 2026-07-13
Balance Sheet (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Assets
Net Tangible Assets $722,804,533 $674,012,790 $639,137,514 $695,047,070
Total Assets $1,048,727,099 $953,147,334 $908,101,326 $874,658,208
Total Non Current Assets $460,800,209 $268,146,787 $106,664,998 $34,205,794
Non Current Deferred Assets $423,873 $3,991,789 $3,572,642 $910,662
Non Current Deferred Taxes Assets $423,873 $3,991,789 $3,572,642 $910,662
Non Current Accounts Receivable $43,645,012 $22,707,322 $19,847,141 $15,299,444
Investmentin Financial Assets $286,437,414 $164,551,249 - -
Goodwill And Other Intangible Assets $38,088,144 $34,524,511 $38,127,577 $8,866,473
Other Intangible Assets $26,161,959 $22,598,326 $26,201,392 $8,361,370
Current Assets $587,926,889 $685,000,547 $801,436,329 $840,452,414
Restricted Cash $95,770,138 $76,886,089 $85,235,497 $76,409,934
Prepaid Assets $18,885,526 $17,270,969 $18,967,346 $43,038,594
Receivables $323,561,284 $207,003,509 $196,054,595 $166,335,206
Receivables Adjustments Allowances $-7,891,566 $-8,071,896 $-8,119,896 $-7,680,959
Other Receivables $139,935,613 $106,231,673 $99,641,559 $66,473,441
Taxes Receivable $5,327,357 $3,028,696 $2,157,320 $1,736,401
Accounts Receivable $186,159,012 $105,777,080 $102,366,012 $99,808,892
Allowance For Doubtful Accounts Receivable $-6,884,757 $-4,249,361 $-2,844,969 $-1,515,456
Gross Accounts Receivable $193,043,769 $110,026,442 $105,210,981 $101,324,348
Cash Cash Equivalents And Short Term Investments $149,709,942 $383,839,979 $501,178,890 $547,127,880
Cash And Cash Equivalents $71,335,128 $145,670,892 $58,619,241 $232,490,669
Other Current Assets - - $28,038,519 $50,579,393
Debt
Total Debt $10,416,341 $36,024,311 $29,207,049 $2,075,795
Long Term Debt And Capital Lease Obligation $1,866,812 $1,620,316 $4,030,927 $694,295
Current Debt And Capital Lease Obligation $8,549,529 $34,403,995 $25,176,122 $1,381,500
Current Debt $6,941,470 $29,297,879 $20,315,912 -
Other Current Borrowings $6,941,470 $29,297,879 $20,315,912 -
Liabilities
Total Liabilities Net Minority Interest $287,834,422 $233,365,885 $217,136,432 $170,744,665
Total Non Current Liabilities Net Minority Interest $8,335,377 $14,053,671 $14,857,405 $5,081,156
Non Current Deferred Liabilities $6,468,564 $12,433,355 $10,826,478 $4,386,862
Non Current Deferred Taxes Liabilities $6,468,564 $12,433,355 $10,826,478 $4,386,862
Current Liabilities $279,499,045 $219,312,213 $202,279,026 $165,663,508
Other Current Liabilities $9,434,492 $11,699,036 $12,664,344 $15,437,535
Current Deferred Liabilities $6,793,189 $4,312,721 - $0
Payables And Accrued Expenses $254,721,835 $168,896,461 $164,438,560 $148,844,473
Payables $176,392,068 $140,406,747 $144,929,927 $130,414,869
Other Payable $70,267,914 $57,726,302 $53,422,738 $48,959,520
Total Tax Payable $3,608,383 $1,751,761 $2,676,749 $3,442,969
Accounts Payable $101,138,701 $79,360,797 $87,426,048 $76,306,107
Equity
Common Stock Equity $760,892,677 $708,537,301 $677,265,091 $703,913,543
Total Equity Gross Minority Interest $760,892,677 $719,781,449 $690,964,895 $703,913,543
Stockholders Equity $760,892,677 $708,537,301 $677,265,091 $703,913,543
Gains Losses Not Affecting Retained Earnings $6,442,571 $23,564,077 $21,283,287 $15,986,797
Other Equity Adjustments $6,442,571 $23,564,077 $21,283,287 $15,986,797
Retained Earnings $-240,074,004 $-324,100,651 $-378,378,519 $-402,741,012
Other
Treasury Shares Number $70,201,391 $67,847,373 $56,497,586 -
Ordinary Shares Number $532,991,933 $535,345,951 $546,695,738 $577,463,237
Share Issued $603,193,324 $603,193,324 $603,193,324 $577,463,237
Tangible Book Value $722,804,533 $674,012,790 $639,137,514 $695,047,070
Invested Capital $767,834,147 $737,835,180 $697,581,002 $703,913,543
Working Capital $308,427,844 $465,688,334 $599,157,302 $674,788,906
Capital Lease Obligations $3,474,871 $6,726,433 $8,891,137 $2,075,795
Total Capitalization $760,892,677 $708,537,301 $677,265,091 $703,913,543
Minority Interest $0 $11,244,148 $13,699,804 $0
Treasury Stock $2,363 $2,215 $1,772 $443
Additional Paid In Capital $994,505,353 $1,009,055,561 $1,034,341,566 $1,090,648,263
Capital Stock $21,120 $20,529 $20,529 $19,938
Common Stock $21,120 $20,529 $20,529 $19,938
Long Term Capital Lease Obligation $1,866,812 $1,620,316 $4,030,927 $694,295
Current Deferred Revenue $6,793,189 $4,312,721 - $0
Current Capital Lease Obligation $1,608,058 $5,106,116 $4,860,211 $1,381,500
Current Accrued Expenses $78,329,768 $28,489,715 $19,508,633 $18,429,604
Dueto Related Parties Current $1,377,070 $1,567,886 $1,404,392 $1,706,273
Investments And Advances $337,340,989 $164,551,249 $31,274,721 $1,767,712
Other Investments $50,903,575 $0 - -
Held To Maturity Securities $118,746,848 $109,129,220 - -
Available For Sale Securities $167,690,565 $55,422,029 - -
Goodwill $11,926,185 $11,926,185 $11,926,185 $505,103
Net PPE $41,302,192 $42,371,917 $13,842,917 $7,361,503
Accumulated Depreciation $-12,761,967 $-10,922,478 $-9,709,640 $-8,280,436
Gross PPE $54,064,159 $53,294,395 $23,552,557 $15,641,939
Leases $7,340,974 $6,832,327 $6,456,158 $5,578,284
Other Properties $3,537,935 $6,922,566 $8,839,446 $2,724,453
Machinery Furniture Equipment $8,480,409 $8,110,296 $8,256,953 $7,339,202
Buildings And Improvements $34,704,841 $31,429,206 $0 -
Properties $0 $0 $0 $0
Duefrom Related Parties Current $30,867 $37,957 $9,600 $52,873
Other Short Term Investments $78,374,813 $238,169,087 $442,559,650 $314,637,211
Preferred Stock - - - -
Pensionand Other Post Retirement Benefit Plans Current - - - -
Fetched: 2026-07-13
Cash Flow Statement (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Free Cash Flow
Free Cash Flow $31,648,970 $32,319,929 $58,041,622 $111,332,472
Operating Activities
Operating Cash Flow $36,024,902 $64,577,829 $60,038,698 $113,087,630
Cash Flow From Continuing Operating Activities $36,024,902 $64,577,829 $60,038,698 $113,087,630
Operating Gains Losses $15,360 $-1,086,119 $-90,534 $-396,698
Investing Activities
Capital Expenditure $-4,375,932 $-32,257,899 $-1,997,076 $-1,755,158
Investing Cash Flow $-33,192,044 $43,072,119 $-173,235,471 $-20,649,988
Cash Flow From Continuing Investing Activities $-33,192,044 $43,072,119 $-173,235,471 $-20,649,988
Financing Activities
Repurchase Of Capital Stock $-13,474,428 $-15,799,821 $-77,689,085 $-9,898,537
Financing Cash Flow $-55,226,634 $-29,328,303 $-55,714,605 $-8,485,874
Cash Flow From Continuing Financing Activities $-55,226,634 $-29,328,303 $-55,714,605 $-8,485,874
Net Other Financing Charges $-1,058,796 - - -
Cash Dividends Paid $-19,260,808 $-23,434,256 $0 $0
Common Stock Dividend Paid $-19,260,808 $-23,434,256 $0 $0
Net Common Stock Issuance $-13,474,428 $-15,799,821 $-77,689,085 $-9,898,537
Issuance Of Capital Stock - - $0 $0
Common Stock Issuance - - $0 $0
Net Preferred Stock Issuance - - - $0
Preferred Stock Issuance - - - $0
Other
Repayment Of Debt $-38,628,249 $-27,632,369 $-4,448,301 $-24,221
Issuance Of Debt $16,245,995 $36,471,076 $24,693,321 $0
Interest Paid Supplemental Data $41,797 $277,954 $34,855 $0
Income Tax Paid Supplemental Data $53,464 $294,348 $189,192 $251,222
End Cash Position $167,105,267 $222,556,982 $143,854,738 $308,900,603
Beginning Cash Position $222,556,982 $143,854,738 $308,900,603 $219,377,493
Effect Of Exchange Rate Changes $-3,057,939 $380,599 $3,865,513 $5,571,342
Changes In Cash $-52,393,776 $78,321,645 $-168,911,378 $83,951,768
Proceeds From Stock Option Exercised $949,652 $1,067,066 $1,729,460 $1,436,884
Common Stock Payments $-13,474,428 $-15,799,821 $-77,689,085 $-9,898,537
Net Issuance Payments Of Debt $-22,382,254 $8,838,707 $20,245,020 $-24,221
Net Short Term Debt Issuance $-22,382,254 $8,838,707 $20,247,826 $0
Short Term Debt Payments $-38,628,249 $-27,632,369 $-4,445,495 $0
Short Term Debt Issuance $16,245,995 $36,471,076 $24,693,321 $0
Net Long Term Debt Issuance $0 $0 $-2,806 $-24,221
Long Term Debt Payments $0 $0 $-2,806 $-24,221
Net Investment Purchase And Sale $-26,339,779 $75,305,797 $-142,147,579 $-19,028,047
Sale Of Investment $1,077,747,466 $1,176,197,012 $1,577,916,742 $2,514,284,622
Purchase Of Investment $-1,104,087,245 $-1,100,891,215 $-1,720,064,321 $-2,533,312,670
Net Business Purchase And Sale $-2,492,874 $0 $-29,124,342 $0
Sale Of Business $17,871 $0 - $0
Purchase Of Business $-2,510,745 $0 $-29,124,342 $0
Net PPE Purchase And Sale $-4,359,391 $-32,233,678 $-1,963,550 $-1,621,941
Sale Of PPE $16,541 $24,221 $33,526 $133,217
Purchase Of PPE $-4,375,932 $-32,257,899 $-1,997,076 $-1,755,158
Change In Working Capital $-58,476,424 $-3,687,398 $15,227,371 $837,555
Change In Other Working Capital $-3,476,200 $1,322,867 $-575,108 $1,893,101
Change In Other Current Liabilities $-217,696 $-815,401 $6,150,734 $-5,099,027
Change In Other Current Assets $406,298 $511,158 $-5,422,618 $4,226,174
Change In Payables And Accrued Expense $86,581,847 $7,865,720 $4,689,185 $-12,308,999
Change In Accrued Expense $64,803,943 $15,930,970 $-6,430,755 $12,557,268
Change In Payable $21,777,903 $-8,065,250 $11,119,940 $-24,866,267
Change In Account Payable $21,777,903 $-8,065,250 $11,119,940 $-24,866,267
Change In Prepaid Assets $-10,100,873 $2,387,275 $22,145,358 $12,568,640
Change In Receivables $-131,669,799 $-14,959,016 $-11,760,180 $-442,334
Changes In Account Receivables $-83,020,282 $-5,188,528 $2,991,331 $-6,323,975
Other Non Cash Items $-1,331,876 $-2,458,314 $-2,930,482 $-571,859
Stock Based Compensation $7,645,513 $12,830,200 $19,771,228 $16,545,216
Provisionand Write Offof Assets $2,663,752 $1,864,302 $1,423,001 $3,470,883
Asset Impairment Charge $0 $3,584,162 $461,386 $54,941
Depreciation Amortization Depletion $2,054,823 $1,708,783 $2,001,950 $3,393,345
Depreciation And Amortization $2,054,823 $1,708,783 $2,001,950 $3,393,345
Amortization Cash Flow $19,052 $18,904 $20,381 $20,529
Amortization Of Intangibles $19,052 $18,904 $20,381 $20,529
Depreciation $2,035,771 $1,689,879 $1,981,568 $3,372,816
Net Foreign Currency Exchange Gain Loss $-40,763 $-1,183,890 $-641,274 $-600,216
Gain Loss On Sale Of PPE $8,566 $97,771 $230,398 $203,518
Gain Loss On Sale Of Business $47,556 $0 $320,341 $0
Net Income From Continuing Operations $83,453,754 $51,822,212 $24,174,778 $89,754,246
Net Intangibles Purchase And Sale - - $0 $0
Purchase Of Intangibles - - $0 $0
Earnings Losses From Equity Investments - - - $0
Fetched: 2026-07-13