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Yuanbao Inc.NasdaqGM:YB Stock Report

Market Cap US$655.3m
Share Price
US$14.22
US$21.83
34.9% undervalued intrinsic discount
1Y-5.0%
7D-9.1%
Portfolio Value
View

Yuanbao Inc.

NasdaqGM:YB Stock Report

Market Cap: US$655.3m

Yuanbao (YB) Stock Overview

Provides insurance brokerage and agency licenses services in the People’s Republic of China. More details

YB fundamental analysis
Snowflake Score
Valuation4/6
Future Growth1/6
Past Performance6/6
Financial Health6/6
Dividends0/6

Rewards

Risk Analysis

No risks detected for YB from our risk checks.

YB Community Fair Values

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Yuanbao Inc. Competitors

Price History & Performance

Summary of share price highs, lows and changes for Yuanbao
Historical stock prices
Current Share PriceUS$14.22
52 Week HighUS$31.00
52 Week LowUS$14.08
Beta0
1 Month Change-23.67%
3 Month Change-28.43%
1 Year Change-5.01%
3 Year Changen/a
5 Year Changen/a
Change since IPO-10.90%

Recent News & Updates

Seeking Alpha Jan 27

Yuanbao: High-Growth AI Insurtech Trading Like A Value Stock, Top Pick 2026

Summary Yuanbao is growing revenue at ~30% year-over-year with 13 consecutive quarters of profitability, yet trades at a P/E of only 5x. While classified as a traditional insurance broker, Yuanbao is actually a high-margin AI data engine trading at a fraction of its peers' valuations. With over $500M in cash and no debt, 55% of the market cap is covered by cash alone, providing a massive margin of safety for new investors. The market penalizes YB for a low retention rate, missing the fact that its AI-driven acquisition cost is so low it turns a profit on the very first transaction. Read the full article on Seeking Alpha

Recent updates

Seeking Alpha Jan 27

Yuanbao: High-Growth AI Insurtech Trading Like A Value Stock, Top Pick 2026

Summary Yuanbao is growing revenue at ~30% year-over-year with 13 consecutive quarters of profitability, yet trades at a P/E of only 5x. While classified as a traditional insurance broker, Yuanbao is actually a high-margin AI data engine trading at a fraction of its peers' valuations. With over $500M in cash and no debt, 55% of the market cap is covered by cash alone, providing a massive margin of safety for new investors. The market penalizes YB for a low retention rate, missing the fact that its AI-driven acquisition cost is so low it turns a profit on the very first transaction. Read the full article on Seeking Alpha

Shareholder Returns

YBUS InsuranceUS Market
7D-9.1%-0.1%1.1%
1Y-5.0%-10.0%26.7%

Return vs Industry: YB exceeded the US Insurance industry which returned -10% over the past year.

Return vs Market: YB underperformed the US Market which returned 26.7% over the past year.

Price Volatility

Is YB's price volatile compared to industry and market?
YB volatility
YB Average Weekly Movement7.8%
Insurance Industry Average Movement4.3%
Market Average Movement7.2%
10% most volatile stocks in US Market16.2%
10% least volatile stocks in US Market3.1%

Stable Share Price: YB has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: YB's weekly volatility (8%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
2019497Rui Fangwww.yuanbaobaoxian.cn

Yuanbao Inc., together with its subsidiaries, provides insurance brokerage and agency licenses services in the People’s Republic of China. The company offers medical, critical illness, accident, property, and pet insurance products. Yuanbao Inc. was incorporated in 2019 and is headquartered in Beijing, the People’s Republic of China.

Yuanbao Inc. Fundamentals Summary

How do Yuanbao's earnings and revenue compare to its market cap?
YB fundamental statistics
Market capUS$655.26m
Earnings (TTM)US$295.99m
Revenue (TTM)US$644.52m
2.2x
P/E Ratio
1.0x
P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
YB income statement (TTM)
RevenueCN¥4.37b
Cost of RevenueCN¥167.46m
Gross ProfitCN¥4.21b
Other ExpensesCN¥2.20b
EarningsCN¥2.01b

Last Reported Earnings

Dec 31, 2025

Next Earnings Date

n/a

Earnings per share (EPS)43.58
Gross Margin96.17%
Net Profit Margin45.92%
Debt/Equity Ratio0%

How did YB perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/05/15 21:41
End of Day Share Price 2026/05/14 00:00
Earnings2025/12/31
Annual Earnings2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Yuanbao Inc. is covered by 1 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Yuping MaCitigroup Inc