Waterdrop (WDH) Panoramica del titolo
Waterdrop Inc. fornisce, attraverso le sue consociate, servizi di intermediazione assicurativa online per mettere in contatto gli utenti con i relativi prodotti assicurativi sottoscritti dalle compagnie assicurative della Repubblica Popolare Cinese. Maggiori dettagli
| Punteggio fiocco di neve | |
|---|---|
| Valutazione | 5/6 |
| Crescita futura | 2/6 |
| Prestazioni passate | 3/6 |
| Salute finanziaria | 5/6 |
| Dividendi | 4/6 |
Premi
Analisi del rischio
Non sono stati rilevati rischi per WDH dai nostri controlli di rischio.
WDH Community Fair Values
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Analyst Price Targets
Concorrenti di Waterdrop Inc.
Storia dei prezzi e prestazioni
| Prezzi storici delle azioni | |
|---|---|
| Prezzo attuale dell'azione | US$1.10 |
| Massimo di 52 settimane | US$2.18 |
| Minimo di 52 settimane | US$1.08 |
| Beta | -0.17 |
| Variazione di 1 mese | -28.10% |
| Variazione a 3 mesi | -32.10% |
| Variazione di 1 anno | -18.52% |
| Variazione a 3 anni | -45.00% |
| Variazione a 5 anni | -83.08% |
| Variazione dall'IPO | -88.66% |
Notizie e aggiornamenti recenti
Aggiornamento della narrazione • Jun 17
WDH: Share Repurchases And Dividend Will Support Future Stock Upside
Analysts have updated their Waterdrop price target to $3.00 to reflect revised expectations of 7.55% revenue growth, an 18.26% profit margin, and a future P/E ratio of 8.88. What’s in the News for Waterdrop Waterdrop updated its share repurchase activity, buying 2,217,049 shares from January 1, 2026 to May 31, 2026 for US$3.93 million, representing 0.61% of shares, under the buyback announced on September 4, 2025.Aggiornamento della narrazione • Jun 03
WDH: Share Repurchases And Dividend Policy Will Support Future Upside
Analysts have adjusted their price target on Waterdrop to $3.00 from $2.95, citing updated assumptions for revenue growth, profit margin, and future P/E estimates. What's in the News Waterdrop reported completing a share repurchase tranche from October 1, 2025 to December 31, 2025, buying back 2,332,446 shares, or 0.64% of shares, for US$4.23 million under the buyback announced on September 4, 2025.Recent updates
Aggiornamento della narrazione • Jun 17
WDH: Share Repurchases And Dividend Will Support Future Stock Upside
Analysts have updated their Waterdrop price target to $3.00 to reflect revised expectations of 7.55% revenue growth, an 18.26% profit margin, and a future P/E ratio of 8.88. What’s in the News for Waterdrop Waterdrop updated its share repurchase activity, buying 2,217,049 shares from January 1, 2026 to May 31, 2026 for US$3.93 million, representing 0.61% of shares, under the buyback announced on September 4, 2025.Aggiornamento della narrazione • Jun 03
WDH: Share Repurchases And Dividend Policy Will Support Future Upside
Analysts have adjusted their price target on Waterdrop to $3.00 from $2.95, citing updated assumptions for revenue growth, profit margin, and future P/E estimates. What's in the News Waterdrop reported completing a share repurchase tranche from October 1, 2025 to December 31, 2025, buying back 2,332,446 shares, or 0.64% of shares, for US$4.23 million under the buyback announced on September 4, 2025.Seeking Alpha • May 26
Waterdrop: A Mix Of Positives And Negatives
Summary I initiate on Waterdrop with a 'Hold' rating, reflecting balanced risks and opportunities. WDH's insurance business faces both competitive threats from AI-native challengers and potential upside from its AI initiatives. The crowdfunding segment continues to generate persistent losses, while the E-Find clinical trial unit shows promising growth potential. Valuation is fair, with the company's P/S multiple closely aligned to peers EverQuote and Yuanbao. Read the full article on Seeking AlphaAggiornamento della narrazione • May 11
WDH: Semi Annual Dividend And Stable Outlook Will Support Future Upside
Analysts have kept their price target for Waterdrop steady at $2.95, citing relatively unchanged fair value estimates along with small adjustments to assumptions for the discount rate, revenue growth, profit margin, and future P/E. What's in the News Waterdrop Inc.Aggiornamento della narrazione • Apr 26
WDH: Semi Annual Dividend And Profit Outlook Will Support Future Upside
Analysts have lifted their price target for Waterdrop to $2.95 from $2.95, reflecting updated assumptions that point to slightly higher revenue growth, a marginally stronger profit margin, and a modestly lower future P/E multiple. What's in the News Waterdrop Inc.Aggiornamento della narrazione • Apr 08
WDH: Semi Annual Dividend Will Support Upside Despite Slower Outlook
Analysts have trimmed their 12 month price target for Waterdrop slightly to about $2.95 from roughly $2.95. This reflects revised expectations for slower revenue growth at around 11% and a modestly higher forward P/E near 9.2x, partly offset by a slightly stronger projected profit margin of about 18%.Aggiornamento della narrazione • Mar 25
WDH: Planned Cash Dividend And Lower Future P/E Will Support Upside
Analysts have slightly revised their price target for Waterdrop, now reflecting modestly higher assumptions for revenue growth of 23.86%, profit margin of 16.74%, and a future P/E of 8.82. Together, these figures inform a refreshed view of the stock's potential value in dollar terms.Aggiornamento della narrazione • Mar 10
WDH: Stable Assumptions And Lower Future P/E Will Support Upside
Narrative Update on Waterdrop The latest analyst price target for Waterdrop has been adjusted to $2.95 from $2.95, with analysts citing slightly updated assumptions for revenue growth, profit margins, and future P/E to support the revised view. Valuation Changes Fair Value: Modelled fair value remains effectively unchanged at $2.95 per share.Aggiornamento della narrazione • Feb 23
WDH: Share Repurchases Will Support Earnings Outlook And Future Upside
Analysts have modestly adjusted their price target for Waterdrop, now reflecting slightly higher assumed revenue growth of 23.36%, a marginally improved profit margin of 16.72%, and a lower future P/E of 8.96x. Together, these changes point to a somewhat more constructive view on the company’s earnings potential.Aggiornamento della narrazione • Feb 09
WDH: Share Buybacks And Margin Outlook Will Drive Future Upside
Analysts have modestly adjusted their price target on Waterdrop, citing slightly higher assumed revenue growth of 23.12%, a small uptick in profit margin expectations to 16.72%, and a marginally lower future P/E estimate of 9.08x, all discounted at a refined rate of 7.52%. What's in the News Waterdrop issued earnings guidance for 2025, stating it is confident in exceeding its full year revenue and profit guidance (Corporate Guidance).Aggiornamento della narrazione • Jan 25
WDH: Share Buybacks And Margin Outlook Will Support Future Upside
Analysts have slightly raised their price target for Waterdrop to US$2.95 from US$2.91, citing updated assumptions around revenue growth, profit margins, and a modestly lower future P/E multiple. What's in the News Waterdrop issued earnings guidance for 2025, stating it is confident in exceeding its full year revenue and profit guidance (company guidance).Aggiornamento della narrazione • Jan 11
WDH: Share Buybacks And Margin Outlook Will Support Future Upside
Analysts have adjusted their price target on Waterdrop to align with updated expectations for revenue growth of 22.45%, a profit margin of 16.61%, and a future P/E of 9.21. This reflects a slightly different balance of growth and profitability assumptions behind their valuation in currency terms.Aggiornamento della narrazione • Dec 25
WDH: Margin Expansion And Buybacks Will Drive Further Share Price Upside
Analysts have increased their price target on Waterdrop to $2.00 from $1.80, citing expectations for stronger revenue growth and continued margin expansion, even as the recent share rally tempers near term upside. Analyst Commentary Despite a recent downgrade to Neutral by Goldman Sachs on valuation grounds, the new $2.00 price target underscores increased confidence in Waterdrop's ability to sustain margin expansion against a backdrop of muted top line growth since 2022.
Aggiornamento della narrazione • Dec 11
WDH: Margin Strength And Buybacks Will Support Further Upside
Analysts have nudged their price target for Waterdrop higher to $2.00 from $1.80, reflecting modestly stronger growth expectations and a richer valuation, even as they highlight muted revenue momentum and a narrowing scope for further margin expansion. Analyst Commentary Bullish analysts acknowledge that the recent price target lift to $2.00 recognizes Waterdrop's improved profitability profile, even in the face of subdued top line trends.Articolo di analisi • Nov 25
Waterdrop Inc. (NYSE:WDH) Screens Well But There Might Be A Catch
Waterdrop Inc.'s ( NYSE:WDH ) price-to-earnings (or "P/E") ratio of 10.5x might make it look like a buy right now...Aggiornamento della narrazione • Sep 24
New AI Tools Like DeepSeek Will Improve Sales Efficiency And Conversion Rates
Upward revisions to both revenue growth forecasts and net profit margin have supported a higher consensus analyst price target for Waterdrop, which has increased from $1.98 to $2.21. What's in the News Board of Directors authorized a buyback plan.Articolo di analisi • Sep 23
Waterdrop (NYSE:WDH) Will Pay A Dividend Of CN¥0.024
Waterdrop Inc.'s ( NYSE:WDH ) investors are due to receive a payment of CN¥0.024 per share on 7th of November. This...Aggiornamento della narrazione • Sep 09
New AI Tools Like DeepSeek Will Improve Sales Efficiency And Conversion Rates
The significant drop in Waterdrop's future P/E ratio alongside a higher net profit margin indicates improved earnings prospects and operational efficiency, supporting the upward revision of the consensus analyst price target from $1.83 to $1.98. What's in the News The Board of Directors of Waterdrop Inc.Articolo di analisi • Sep 08
Waterdrop (NYSE:WDH) Is Due To Pay A Dividend Of CN¥0.024
Waterdrop Inc. ( NYSE:WDH ) has announced that it will pay a dividend of CN¥0.024 per share on the 7th of November...Articolo di analisi • Jul 24
Waterdrop Inc.'s (NYSE:WDH) Shares Leap 26% Yet They're Still Not Telling The Full Story
Despite an already strong run, Waterdrop Inc. ( NYSE:WDH ) shares have been powering on, with a gain of 26% in the last...Articolo di analisi • May 18
Investors Still Aren't Entirely Convinced By Waterdrop Inc.'s (NYSE:WDH) Earnings Despite 25% Price Jump
Waterdrop Inc. ( NYSE:WDH ) shareholders would be excited to see that the share price has had a great month, posting a...Seeking Alpha • Mar 20
Waterdrop May Only Be Just Getting Started
Summary Waterdrop stock appears to have broken out after failing to overcome resistance for over a year, which by itself is reason to be bullish. The breakout followed in the wake of a strong Q4 FY2024 report, which showed there is much to be bullish about. WDH looks primed to move higher, but it is not impossible for it to get derailed, especially if U.S.-China relations turn frosty. Nothing is guaranteed, but there is reason to think the recent rally has only gotten started and WDH has what it takes to move higher. Read the full article on Seeking Alpha
Nuova narrazione • Feb 13
AI Integration And New Partnerships Will Enhance Future Operational Efficiency
Targeted insurance segment expansion and AI integration are driving growth in premiums, operational efficiencies, and financial margins.Articolo di analisi • Oct 12
Waterdrop Inc.'s (NYSE:WDH) Shares Leap 26% Yet They're Still Not Telling The Full Story
Waterdrop Inc. ( NYSE:WDH ) shareholders would be excited to see that the share price has had a great month, posting a...Seeking Alpha • Sep 10
Waterdrop: Very Undervalued AI-Driven Marketplace For Insurance Products
Summary Waterdrop Inc. is significantly undervalued, with expected FCF growth driven by AI-driven customer experience, proprietary CRM, and technical connections with large insurance carriers. The company's medical crowdfunding model appears to be a key catalyst for future net sales and income growth. Risks include operating in China, potential failed mergers and acquisitions, and regulatory changes, but the stock repurchase program may boost demand and stock price. Analysts forecast Waterdrop's worth to be higher than its current market value, suggesting a strong buy opportunity at the current price mark. Read the full article on Seeking AlphaArticolo di analisi • Feb 24
Investors Aren't Entirely Convinced By Waterdrop Inc.'s (NYSE:WDH) Earnings
With a price-to-earnings (or "P/E") ratio of 14.2x Waterdrop Inc. ( NYSE:WDH ) may be sending bullish signals at the...Articolo di analisi • Jun 23
Waterdrop Inc. (NYSE:WDH) Not Lagging Industry On Growth Or Pricing
Waterdrop Inc.'s ( NYSE:WDH ) price-to-sales (or "P/S") ratio of 2.3x may not look like an appealing investment...Seeking Alpha • Dec 23
Waterdrop: Turnaround Story Supported By An Outsized Net Cash Balance
Summary The Waterdrop turnaround is taking shape. In addition to its P&L strength, the growing net cash position provides downside protection. There are regulatory risks here, but the cheap valuation makes the overall risk/reward very compelling. Integrated Chinese insurtech platform Waterdrop (WDH) continues to enjoy strong brand recognition through its medical crowdfunding and insurance marketplace platforms, delivering another strong beat-and-raise quarter in Q3. Beyond the P&L improvement, WDH’s growing cash position has largely been ignored by the market and now stands at ~RMB3.6bn (>RMB4bn, including restricted cash), providing ample valuation support. While the stock has rallied in the last month or so, the cash balance remains >50% of the market cap despite WDH remaining on track to generate cash through the coming years. Further traction in the multi-year pivot toward long-term policy sales will be a key catalyst – as of Q3, first-year premiums here have already grown in the high-single-digits % QoQ. As WDH continues to prove the viability of its strategic pivot and FCF generation potential, I see a clear path to the stock re-rating much higher. Data by YCharts Lots of Positives from the Beat-and-Raise Quarter As the QoQ growth in first-year premiums showed in Q3, sales are likely moving higher despite the on/off COVID lockdowns during the period. Of note, the balance of non-current contract assets was up again by >RMB20m (a similar pace to Q1 and Q2), pointing toward further momentum in the sales of long-term policies. I expect the FY22 disclosures next year to support this view. The key uncertainty heading into Q4 will be the impact of lockdown measures through late November, as well as the impact of the latest COVID wave after restrictions were lifted in China. Given the traction in recent quarters through the lockdowns, I suspect premium growth will continue to improve, reinforcing the case for a sustained top-line turnaround. Waterdrop Also impressive is that WDH’s revenue strength has come without sacrificing profitability. Q3 saw a net profit of RMB170m, which was down QoQ, but broadly in line with prior quarters’ results, excluding the impact of tax credits. A key reason for the well-controlled cost base has been WDH’s plan to focus on existing user conversion over more expensive external customer acquisition. With the success of this growth strategy clearly being reflected in the P&L, the upward revision to the FY22 guidance seems prudent. The extent of the revision points to some conservatism, though – given the YTD net profit is already at ~RMB480m, WDH should easily clear the FY22 net profit target of RMB500m, paving the way for another beat-and-raise quarter ahead. Long-Term Strategic Pivot on Track Amid the higher competitive intensity, WDH has protected margins by transitioning away from expensive customer acquisition through third-party channels. Instead, it is now focused on converting existing non-paying users to paying insurance customers. As seen in the Q3 results, this strategy has already driven significant opex savings, allowing for consecutive quarters of net profits for the first time in its history as a listed company. The profits have been translating into cash flow as well, driving a sizeable net cash position. Waterdrop In reaction to the tighter regulatory backdrop on short-term products, management has also prudently transitioned its product mix toward long-term insurance products. The regulatory focus on increasing insurance affordability has already resulted in a 35% commission cap on short-term insurance products, along with the implementation of a >50% claim ratio requirement for accident insurance. Given WDH’s outsized exposure to short-term medical product commissions, diversifying away from this revenue stream makes sense. Early signs have been positive, but given this is a 3–5-year goal, progress here will be worth monitoring, as well as any further tightening on industry regulation. Insulating Against Regulation As with all investments in China, regulatory developments are key. While the China Banking and Insurance Regulatory Commission (CBIRC) has not signaled any new policy implementations for now, the government’s increasingly populist rhetoric is a concern. In recent weeks, for instance, the Beijing Medical Security Bureau announced the cancellation of the upper limit of outpatient reimbursement for employees in the region from 2023. Post-implementation, this means the reimbursement ratio for expenses over RMB20k will now be ~60% for current employees and ~80% for retirees.Rendimenti per gli azionisti
| WDH | US Insurance | US Mercato | |
|---|---|---|---|
| 7D | -8.3% | 4.4% | 0.3% |
| 1Y | -18.5% | -2.2% | 19.9% |
Ritorno vs Industria: WDH ha avuto una performance inferiore rispetto al US Insurance che ha registrato un rendimento -2.2 % nell'ultimo anno.
Rendimento vs Mercato: WDH ha avuto una performance inferiore al mercato US che ha registrato un rendimento 19.9 % nell'ultimo anno.
Volatilità dei prezzi
| WDH volatility | |
|---|---|
| WDH Average Weekly Movement | 5.7% |
| Insurance Industry Average Movement | 4.1% |
| Market Average Movement | 7.3% |
| 10% most volatile stocks in US Market | 16.8% |
| 10% least volatile stocks in US Market | 3.1% |
Prezzo delle azioni stabile: WDH non ha avuto una volatilità dei prezzi significativa negli ultimi 3 mesi rispetto al mercato US.
Volatilità nel tempo: La volatilità settimanale ( 6% ) di WDH è rimasta stabile nell'ultimo anno.
Informazioni sull'azienda
| Fondato | I dipendenti | AMMINISTRATORE DELEGATO | Sito web |
|---|---|---|---|
| 2016 | 3,018 | Peng Shen | www.waterdrop-inc.com |
Waterdrop Inc. fornisce, attraverso le sue consociate, servizi di intermediazione assicurativa online per mettere in contatto gli utenti con i relativi prodotti assicurativi sottoscritti dalle compagnie di assicurazione della Repubblica Popolare Cinese. L'azienda offre prodotti e servizi di assicurazione sanitaria e sulla vita a breve e lungo termine. Gestisce anche una piattaforma di crowdfunding medico e E-Find, una piattaforma di reclutamento di pazienti per studi clinici che consente alle aziende farmaceutiche di trovare candidati per gli studi clinici.
Waterdrop Inc. Riepilogo dei fondamenti
| WDH statistiche fondamentali | |
|---|---|
| Capitalizzazione di mercato | US$398.83m |
| Utili (TTM) | US$82.30m |
| Ricavi(TTM) | US$657.43m |
4.8x
Rapporto P/E0.6x
Rapporto P/SWDH è sopravvalutato?
Vedi Fair Value e analisi di valutazioneUtili e ricavi
| WDH Conto economico (TTM) | |
|---|---|
| Ricavi | CN¥4.47b |
| Costo del fatturato | CN¥2.06b |
| Profitto lordo | CN¥2.41b |
| Altre spese | CN¥1.85b |
| Utili | CN¥559.11m |
Ultimi utili riportati
Mar 31, 2026
Prossima data di guadagno
n/a
| Utile per azione (EPS) | 1.56 |
| Margine lordo | 53.97% |
| Margine di profitto netto | 12.52% |
| Rapporto debito/patrimonio netto | 5.3% |
Come si è comportato WDH nel lungo periodo?
Vedi performance storica e confrontoDividendi
5.4%
Rendimento attuale del dividendo27%
Rapporto di remunerazioneAnalisi aziendale e situazione dei dati finanziari
| Dati | Ultimo aggiornamento (ora UTC) |
|---|---|
| Analisi dell'azienda | 2026/06/29 08:13 |
| Prezzo dell'azione a fine giornata | 2026/06/29 00:00 |
| Utili | 2026/03/31 |
| Utili annuali | 2025/12/31 |
Fonti dei dati
I dati utilizzati nella nostra analisi aziendale provengono da S&P Global Market Intelligence LLC. I seguenti dati sono utilizzati nel nostro modello di analisi per generare questo report. I dati sono normalizzati, il che può comportare un ritardo nella disponibilità della fonte.
| Pacchetto | Dati | Tempistica | Esempio Fonte USA * |
|---|---|---|---|
| Dati finanziari della società | 10 anni |
| |
| Stime di consenso degli analisti | +3 anni |
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| Prezzi di mercato | 30 anni |
| |
| Proprietà | 10 anni |
| |
| Gestione | 10 anni |
| |
| Sviluppi principali | 10 anni |
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* Esempio per i titoli statunitensi, per i titoli non statunitensi si utilizzano forme e fonti normative equivalenti.
Se non specificato, tutti i dati finanziari si basano su un periodo annuale ma vengono aggiornati trimestralmente. Si tratta dei cosiddetti dati TTM (Trailing Twelve Month) o LTM (Last Twelve Month). Per saperne di più.
Modello di analisi e Snowflake
I dettagli del modello di analisi utilizzato per generare questo report sono disponibili sulla nostra pagina Github; disponiamo inoltre di guide su come utilizzare i nostri report e di tutorial su Youtube.
Scoprite il team di livello mondiale che ha progettato e realizzato il modello di analisi Simply Wall St.
Metriche di settore e industriali
Le nostre metriche di settore e di sezione sono calcolate ogni 6 ore da Simply Wall St; i dettagli del nostro processo sono disponibili su Github.
Fonti analitiche
Waterdrop Inc. è coperta da 10 analisti. 3 di questi analisti ha fornito le stime di fatturato o di utile utilizzate come input per il nostro report. Le stime degli analisti vengono aggiornate nel corso della giornata.
| Analista | Istituzione |
|---|---|
| Edwin Liu | CLSA |
| Muyang Zhao | Guotai Haitong/Guotai Junan International Holdings Limited |
| Cheng Ru Li | Guoyuan Securities (HK) Ltd |