Waterdrop (WDH) 주식 개요
는 자회사를 통해 중화인민공화국의 보험 회사가 인수하는 관련 보험 상품과 사용자를 매칭하고 연결하는 온라인 보험 중개 서비스를 제공합니다. 자세히 보기
강점
위험 분석
우리의 위험 점검에서 WDH에 대한 위험이 감지되지 않았습니다.
WDH Community Fair Values
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Analyst Price Targets
Waterdrop Inc. 경쟁사
가격 이력 및 성과
| 과거 주가 | |
|---|---|
| 현재 주가 | US$1.56 |
| 52주 최고가 | US$2.18 |
| 52주 최저가 | US$1.29 |
| 베타 | -0.16 |
| 1개월 변동 | -9.83% |
| 3개월 변동 | -11.86% |
| 1년 변동 | 1.30% |
| 3년 변동 | -42.44% |
| 5년 변동 | -78.39% |
| IPO 이후 변동 | -83.92% |
최근 뉴스 및 업데이트
내러티브 업데이트 • 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.내러티브 업데이트 • 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.내러티브 업데이트 • 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%.Recent updates
내러티브 업데이트 • 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.내러티브 업데이트 • 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.내러티브 업데이트 • 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%.내러티브 업데이트 • 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.내러티브 업데이트 • 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.내러티브 업데이트 • 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.Seeking Alpha • Feb 18
Waterdrop: Profitable Growth Meets Deep Value In China's InsurTech
Summary Waterdrop Inc. combines rapid growth with sustainable profitability, posting 38.4% revenue and 60.1% net income growth in Q3 2025. WDH's business model shift to technology-driven insurance distribution, with AI integration, enhances margins and operational efficiency. Shares trade at an attractive 9x forward P/E, backed by a strong cash position and disciplined capital returns via buybacks and dividends. Regulatory risks and competition persist, but WDH's robust balance sheet and evolving tech platform underpin its value-growth thesis. Read the full article on Seeking Alpha내러티브 업데이트 • 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).내러티브 업데이트 • 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).내러티브 업데이트 • 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.내러티브 업데이트 • 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.
내러티브 업데이트 • 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.분석 기사 • 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...내러티브 업데이트 • 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.분석 기사 • 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...내러티브 업데이트 • 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.분석 기사 • 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...분석 기사 • 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...분석 기사 • 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
새로운 내러티브 • 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.분석 기사 • 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 Alpha분석 기사 • 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...분석 기사 • 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.Seeking Alpha • Sep 09
Waterdrop GAAP EPS of $0.01, revenue of $104.72M beats by $12.92M
Waterdrop press release (NYSE:WDH): Q2 GAAP EPS of $0.01. Revenue of $104.72M (-25.3% Y/Y) beats by $12.92M. As of June 30, 2022, the company had combined cash and cash equivalents and short-term investments of $490.9M, as compared with RMB2,787.1M as of December 31, 2021.Seeking Alpha • Aug 22
Waterdrop joins United Nations Global Compact
Waterdrop (NYSE:WDH) has announced that it has become a member of the United Nations Global Compact, the world's largest corporate sustainability initiative. "In the future, we will actively respond to relevant initiatives of UNGC, provide more valuable services through intensive efforts in insurance and healthcare, and promote the sustainable development of healthcare together with partners." said Shen Peng, Founder, Chairman and CEO.주주 수익률
| WDH | US Insurance | US 시장 | |
|---|---|---|---|
| 7D | 0% | 0.9% | -0.3% |
| 1Y | 1.3% | -10.5% | 24.0% |
수익률 대 산업: WDH은 지난 1년 동안 -10.5%의 수익을 기록한 US Insurance 산업보다 더 좋은 성과를 냈습니다.
수익률 대 시장: WDH은 지난 1년 동안 24%를 기록한 US 시장보다 저조한 성과를 냈습니다.
주가 변동성
| WDH volatility | |
|---|---|
| WDH Average Weekly Movement | 3.8% |
| Insurance Industry Average Movement | 4.3% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in US Market | 16.2% |
| 10% least volatile stocks in US Market | 3.1% |
안정적인 주가: WDH는 지난 3개월 동안 US 시장에 비해 주가 변동성이 크지 않았습니다.
시간에 따른 변동성: WDH의 주간 변동성(4%)은 지난 1년 동안 안정적이었습니다.
회사 소개
| 설립 | 직원 수 | CEO | 웹사이트 |
|---|---|---|---|
| 2016 | 3,057 | Peng Shen | www.waterdrop-inc.com |
는 자회사를 통해 중화인민공화국의 보험 회사가 인수한 관련 보험 상품과 사용자를 연결해 주는 온라인 보험 중개 서비스를 제공합니다. 이 회사는 단기 및 장기 건강 보험과 생명 보험 상품 및 서비스를 제공합니다. 또한 의료 크라우드 펀딩 플랫폼과 제약회사가 임상시험 대상자를 찾을 수 있는 임상시험 환자 모집 플랫폼인 E-Find를 운영하고 있습니다.
Waterdrop Inc. 기초 지표 요약
| WDH 기초 통계 | |
|---|---|
| 시가총액 | US$560.51m |
| 순이익 (TTM) | US$83.58m |
| 매출 (TTM) | US$584.37m |
6.7x
주가수익비율(P/E)1.0x
주가매출비율(P/S)WDH는 고평가되어 있습니까?
공정 가치 및 평가 분석 보기순이익 및 매출
| WDH 손익계산서 (TTM) | |
|---|---|
| 매출 | CN¥3.98b |
| 매출원가 | CN¥1.94b |
| 총이익 | CN¥2.03b |
| 기타 비용 | CN¥1.47b |
| 순이익 | CN¥568.94m |
최근 보고된 실적
Dec 31, 2025
다음 실적 발표일
해당 없음
| 주당순이익(EPS) | 1.58 |
| 총이익률 | 51.15% |
| 순이익률 | 14.30% |
| 부채/자본 비율 | 0.9% |
WDH의 장기 실적은 어땠습니까?
과거 실적 및 비교 보기| Waterdrop 배당 일정 | |
|---|---|
| 배당락일 | Apr 24 2026 |
| 배당 지급일 | May 20 2026 |
| 배당락일까지 남은 일수 | 24 days |
| 배당 지급일까지 남은 일수 | 2 days |
WDH는 안정적으로 배당을 지급합니까?
WDH 배당 기록 및 벤치마크 보기기업 분석 및 재무 데이터 상태
| 데이터 | 최종 업데이트 (UTC 시간) |
|---|---|
| 기업 분석 | 2026/05/17 19:05 |
| 종가 | 2026/05/15 00:00 |
| 수익 | 2025/12/31 |
| 연간 수익 | 2025/12/31 |
데이터 소스
당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.
| 패키지 | 데이터 | 기간 | 미국 소스 예시 * |
|---|---|---|---|
| 기업 재무제표 | 10년 |
| |
| 분석가 컨센서스 추정치 | +3년 |
|
|
| 시장 가격 | 30년 |
| |
| 지분 구조 | 10년 |
| |
| 경영진 | 10년 |
| |
| 주요 개발 | 10년 |
|
* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.
별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.
분석 모델 및 스노우플레이크
이 보고서를 생성하는 데 사용된 분석 모델에 대한 자세한 내용은 당사의 Github 페이지에서 확인하실 수 있습니다. 또한 보고서 활용 방법에 대한 가이드와 YouTube 튜토리얼도 제공합니다.
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산업 및 섹터 지표
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분석가 소스
Waterdrop Inc.는 9명의 분석가가 다루고 있습니다. 이 중 3명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.
| 분석가 | 기관 |
|---|---|
| Edwin Liu | CLSA |
| Muyang Zhao | Guotai Haitong/Guotai Junan International Holdings Limited |
| Cheng Ru Li | Guoyuan Securities (HK) Ltd |