Waterdrop/$WDH
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About Waterdrop
Waterdrop Inc is a technology platform dedicated to insurance and healthcare service. The Company is mainly engaged in operating an independent third-party insurance platform dedicated to providing insurance and healthcare service. The Companies main businesses are the insurance marketplace, medical crowdfunding, and mutual aid. The companies reportable segments are Insurance, Crowdfunding and Others.
- Ticker
- $WDH
- Sector
- Finance
- Primary listing
- NYSE
- Employees
- 3,018
- Headquarters
- Beijing, China
- Website
- www.waterdrop-inc.com
Waterdrop Metrics
BasicAdvanced
$359M
4.76
$0.21
-0.08
$0.05
4.80%
Price and volume
Market cap
$359M
Beta
-0.08
52-week high
$2.03
52-week low
$0.96
Average daily volume
226K
Dividend rate
$0.05
Financial strength
Current ratio
2.189
Quick ratio
1.737
Long term debt to equity
0.002
Total debt to equity
0.094
Profitability
EBITDA (TTM)
60.556
Gross margin (TTM)
57.13%
Net profit margin (TTM)
10.73%
Operating margin (TTM)
7.66%
Effective tax rate (TTM)
-0.56%
Revenue per employee (TTM)
$251,840
Management effectiveness
Return on assets (TTM)
3.38%
Return on equity (TTM)
10.56%
Valuation
Price to earnings (TTM)
4.762
Price to revenue (TTM)
0.474
Price to book
0.07
Price to tangible book (TTM)
0.07
Dividend yield (TTM)
4.80%
Forward dividend yield
4.80%
Growth
Revenue change (TTM)
70.21%
Earnings per share change (TTM)
16.69%
3-year revenue growth (CAGR)
22.87%
3-year earnings per share growth (CAGR)
15.75%
Bulls say / Bears say
Waterdrop’s core insurance platform is scaling quickly: Q2 insurance-related income rose 80.5% year on year to RMB1.33bn, while operating profit increased 14.3%. This suggests strong revenue growth is still translating into higher operating profit. (Waterdrop)
AI-supported sales and new products could broaden the customer base: newly acquired customers rose 32.3% quarter on quarter and long-term first-year premiums grew 33.4%. New cover also targets people with pre-existing conditions, an underserved group. (Waterdrop)
The company declared a US$0.03-per-ADS dividend and authorised a US$50m share repurchase programme, giving investors a direct route to shareholder returns alongside the growth story. (Waterdrop, The Motley Fool)
Spending is running well ahead of earnings conversion: sales and marketing costs rose 220.7% year on year to RMB637.5m, while net profit fell 10.3%. If customer acquisition remains this costly, profit growth may lag revenue growth. (Waterdrop)
Technical-service income reached RMB488m in Q2, making it a significant contributor to insurance-related income. Bamboo Works warns that regulators could treat these fees as disguised commissions under commission caps, putting a fast-growing revenue stream at risk. (Waterdrop, Bamboo Works)
Revenue remains concentrated in insurance, which contributed about 92% of Q2 revenue. Crowdfunding fees fell 5.7% year on year and clinical-trial revenue was only RMB35.2m, leaving the other businesses too small to offset a setback in insurance. (Waterdrop)
Data summarised monthly by Lightyear AI. Last updated on 1 Nov 2026.
Waterdrop Financial Performance
Revenues and expenses
Waterdrop Earnings Performance
Company profitability
Upcoming events
No upcoming events
Waterdrop News
AllArticlesVideos
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.