Yuanbao Inc.

NasdaqGM:YB Stock Report

Market Cap: US$671.6m

Yuanbao Balance Sheet Health

Financial Health criteria checks 6/6

Yuanbao has a total shareholder equity of CN¥3.7B and total debt of CN¥0.0, which brings its debt-to-equity ratio to 0%. Its total assets and total liabilities are CN¥5.5B and CN¥1.7B respectively. Yuanbao's EBIT is CN¥1.5B making its interest coverage ratio -19.9. It has cash and short-term investments of CN¥4.7B.

Key information

0%

Debt to equity ratio

CN¥0

Debt

Interest coverage ratio-19.9x
CashCN¥4.67b
EquityCN¥3.75b
Total liabilitiesCN¥1.71b
Total assetsCN¥5.46b

Recent financial health updates

No updates

Recent updates

Seeking Alpha • Jun 15

Yuanbao: I Think The Market Is Overpricing The Risks

Summary Yuanbao Inc. operates as a digital insurance intermediary, leveraging AI and digital marketing to connect insurers and customers in China. YB replaces traditional agents with software-driven customer acquisition, enabling insurers to reduce costs and Yuanbao to avoid insurance risk while collecting commissions. The business model appeals to insurance companies facing customer acquisition challenges and benefits from scalable, tech-driven operations. YB shares have significantly underperformed the S&P 500 over the past year, signaling recent momentum concerns. Read the full article on Seeking Alpha

Financial Position Analysis

Short Term Liabilities: YB's short term assets (CN¥5.2B) exceed its short term liabilities (CN¥1.5B).

Long Term Liabilities: YB's short term assets (CN¥5.2B) exceed its long term liabilities (CN¥206.4M).

Debt to Equity History and Analysis

Debt Level: YB is debt free.

Reducing Debt: YB had no debt 5 years ago.

Debt Coverage: YB has no debt, therefore it does not need to be covered by operating cash flow.

Interest Coverage: YB has no debt, therefore coverage of interest payments is not a concern.

Balance Sheet

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/06/26 16:21
End of Day Share Price 2026/06/26 00:00
Earnings2026/03/31
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