WATERDROP INC (WDH) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:WDH • US94132V1052

1.85 USD
+0.07 (+3.93%)
Last: Feb 6, 2026, 08:11 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Taking everything into account, WDH scores 4 out of 10 in our fundamental rating. WDH was compared to 147 industry peers in the Insurance industry. WDH has an average financial health and profitability rating. WDH is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • WDH had positive earnings in the past year.
  • The reported net income has been mixed in the past 5 years: WDH reported negative net income in multiple years.
  • The reported operating cash flow has been mixed in the past 5 years: WDH reported negative operating cash flow in multiple years.
WDH Yearly Net Income VS EBIT VS OCF VS FCFWDH Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2018 2019 2020 2021 2022 2023 2024 0 500M -500M -1B -1.5B

1.2 Ratios

  • WDH has a Return On Assets of 7.74%. This is amongst the best in the industry. WDH outperforms 93.88% of its industry peers.
  • With a Return On Equity value of 10.09%, WDH perfoms like the industry average, outperforming 48.30% of the companies in the same industry.
  • WDH has a Return On Invested Capital of 5.14%. This is in the better half of the industry: WDH outperforms 78.91% of its industry peers.
Industry RankSector Rank
ROA 7.74%
ROE 10.09%
ROIC 5.14%
ROA(3y)6.23%
ROA(5y)-7.55%
ROE(3y)8.02%
ROE(5y)-10.84%
ROIC(3y)N/A
ROIC(5y)N/A
WDH Yearly ROA, ROE, ROICWDH Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 0 -20 -40 -60 -80

1.3 Margins

  • WDH's Profit Margin of 15.73% is amongst the best of the industry. WDH outperforms 80.95% of its industry peers.
  • WDH has a Operating Margin (10.45%) which is in line with its industry peers.
  • Looking at the Gross Margin, with a value of 51.17%, WDH belongs to the top of the industry, outperforming 95.24% of the companies in the same industry.
  • WDH's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 10.45%
PM (TTM) 15.73%
GM 51.17%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-7.82%
GM growth 5Y-8.22%
WDH Yearly Profit, Operating, Gross MarginsWDH Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 0 50 -50

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ROAROEROICOperating and Profit MarginShow most profitable peers

6

2. Health

2.1 Basic Checks

  • WDH has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • Compared to 1 year ago, WDH has less shares outstanding
  • Compared to 5 years ago, WDH has less shares outstanding
  • Compared to 1 year ago, WDH has a worse debt to assets ratio.
WDH Yearly Shares OutstandingWDH Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M
WDH Yearly Total Debt VS Total AssetsWDH Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

2.2 Solvency

  • WDH has an Altman-Z score of 2.44. This is not the best score and indicates that WDH is in the grey zone with still only limited risk for bankruptcy at the moment.
  • The Altman-Z score of WDH (2.44) is better than 93.88% of its industry peers.
  • A Debt/Equity ratio of 0.01 indicates that WDH is not too dependend on debt financing.
  • WDH's Debt to Equity ratio of 0.01 is amongst the best of the industry. WDH outperforms 88.44% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.01
Debt/FCF N/A
Altman-Z 2.44
ROIC/WACC0.83
WACC6.2%
WDH Yearly LT Debt VS Equity VS FCFWDH Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2018 2019 2020 2021 2022 2023 2024 0 1B -1B 2B 3B 4B

2.3 Liquidity

  • A Current Ratio of 2.59 indicates that WDH has no problem at all paying its short term obligations.
  • WDH's Current ratio of 2.59 is amongst the best of the industry. WDH outperforms 90.48% of its industry peers.
  • WDH has a Quick Ratio of 2.59. This indicates that WDH is financially healthy and has no problem in meeting its short term obligations.
  • WDH has a Quick ratio of 2.59. This is amongst the best in the industry. WDH outperforms 90.48% of its industry peers.
Industry RankSector Rank
Current Ratio 2.59
Quick Ratio 2.59
WDH Yearly Current Assets VS Current LiabilitesWDH Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • The earnings per share for WDH have decreased strongly by -43.77% in the last year.
  • The Revenue has grown by 18.56% in the past year. This is quite good.
  • The Revenue has been growing by 12.90% on average over the past years. This is quite good.
EPS 1Y (TTM)-43.77%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%33.33%
Revenue 1Y (TTM)18.56%
Revenue growth 3Y-4.73%
Revenue growth 5Y12.9%
Sales Q2Q%35.75%

3.2 Future

  • WDH is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -60.66% yearly.
  • The Revenue is expected to grow by 61.59% on average over the next years. This is a very strong growth
EPS Next Y-96.64%
EPS Next 2Y-76.65%
EPS Next 3Y-60.66%
EPS Next 5YN/A
Revenue Next Year29.89%
Revenue Next 2Y20.94%
Revenue Next 3Y17.19%
Revenue Next 5Y61.59%

3.3 Evolution

  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
WDH Yearly Revenue VS EstimatesWDH Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 1B 2B 3B 4B
WDH Yearly EPS VS EstimatesWDH Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 0 -0.5 -1

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Find the best growth stocksShow best growing peers

0

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 92.50, WDH can be considered very expensive at the moment.
  • Based on the Price/Earnings ratio, WDH is valued expensively inside the industry as 81.63% of the companies are valued cheaper.
  • WDH's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 27.92.
  • WDH is valuated quite expensively with a Price/Forward Earnings ratio of 713.67.
  • WDH's Price/Forward Earnings ratio is rather expensive when compared to the industry. WDH is more expensive than 82.31% of the companies in the same industry.
  • WDH is valuated expensively when we compare the Price/Forward Earnings ratio to 27.78, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 92.5
Fwd PE 713.67
WDH Price Earnings VS Forward Price EarningsWDH Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 200 400 600

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of WDH is on the same level as its industry peers.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 12.71
WDH Per share dataWDH EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0.5 1 1.5 2

4.3 Compensation for Growth

  • A cheap valuation may be justified as WDH's earnings are expected to decrease with -60.66% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-76.65%
EPS Next 3Y-60.66%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. Dividend

5.1 Amount

  • WDH has a Yearly Dividend Yield of 2.34%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.21, WDH pays a bit more dividend than its industry peers.
  • WDH's Dividend Yield is a higher than the S&P500 average which is at 1.83.
Industry RankSector Rank
Dividend Yield 2.34%

5.2 History

  • WDH is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
WDH Yearly Dividends per shareWDH Yearly Dividends per shareYearly Dividends per share 2024 2025 0.02 0.04 0.06

5.3 Sustainability

DPN/A
EPS Next 2Y-76.65%
EPS Next 3Y-60.66%
WDH Yearly Income VS Free CF VS DividendWDH Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2018 2019 2020 2021 2022 2023 2024 0 500M -500M -1B -1.5B

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Find the best dividend stocksShow peers with best dividend

WATERDROP INC

NYSE:WDH (2/6/2026, 8:11:23 PM)

1.85

+0.07 (+3.93%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)12-03
Earnings (Next)N/A
Inst Owners4.94%
Inst Owner Change0.31%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap669.08M
Revenue(TTM)3.25B
Net Income(TTM)511.78M
Analysts85.71
Price Target2.26 (22.16%)
Short Float %0.3%
Short Ratio0.28
Dividend
Industry RankSector Rank
Dividend Yield 2.34%
Yearly Dividend0.06
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)67.8%
Min EPS beat(2)64.8%
Max EPS beat(2)70.8%
EPS beat(4)3
Avg EPS beat(4)19.79%
Min EPS beat(4)-100%
Max EPS beat(4)70.8%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)8.16%
Min Revenue beat(2)4.35%
Max Revenue beat(2)11.98%
Revenue beat(4)2
Avg Revenue beat(4)3.21%
Min Revenue beat(4)-2.21%
Max Revenue beat(4)11.98%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)10.17%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-90.06%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)7.55%
Valuation
Industry RankSector Rank
PE 92.5
Fwd PE 713.67
P/S 1.43
P/FCF N/A
P/OCF N/A
P/B 0.92
P/tB 0.96
EV/EBITDA 12.71
EPS(TTM)0.02
EY1.08%
EPS(NY)0
Fwd EY0.14%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS1.3
BVpS2.02
TBVpS1.93
PEG (NY)N/A
PEG (5Y)N/A
Graham Number0.95
Profitability
Industry RankSector Rank
ROA 7.74%
ROE 10.09%
ROCE 6.59%
ROIC 5.14%
ROICexc 5.14%
ROICexgc 5.38%
OM 10.45%
PM (TTM) 15.73%
GM 51.17%
FCFM N/A
ROA(3y)6.23%
ROA(5y)-7.55%
ROE(3y)8.02%
ROE(5y)-10.84%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-7.82%
GM growth 5Y-8.22%
F-ScoreN/A
Asset Turnover0.49
Health
Industry RankSector Rank
Debt/Equity 0.01
Debt/FCF N/A
Debt/EBITDA 0.18
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 2.59
Quick Ratio 2.59
Altman-Z 2.44
F-ScoreN/A
WACC6.2%
ROIC/WACC0.83
Cap/Depr(3y)679.75%
Cap/Depr(5y)489.06%
Cap/Sales(3y)2.94%
Cap/Sales(5y)2.17%
Profit Quality(3y)139.53%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-43.77%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%33.33%
EPS Next Y-96.64%
EPS Next 2Y-76.65%
EPS Next 3Y-60.66%
EPS Next 5YN/A
Revenue 1Y (TTM)18.56%
Revenue growth 3Y-4.73%
Revenue growth 5Y12.9%
Sales Q2Q%35.75%
Revenue Next Year29.89%
Revenue Next 2Y20.94%
Revenue Next 3Y17.19%
Revenue Next 5Y61.59%
EBIT growth 1Y123.9%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year39.66%
EBIT Next 3Y25.99%
EBIT Next 5YN/A
FCF growth 1Y-44.32%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y7.56%
OCF growth 3YN/A
OCF growth 5YN/A

WATERDROP INC / WDH FAQ

Can you provide the ChartMill fundamental rating for WATERDROP INC?

ChartMill assigns a fundamental rating of 4 / 10 to WDH.


Can you provide the valuation status for WATERDROP INC?

ChartMill assigns a valuation rating of 0 / 10 to WATERDROP INC (WDH). This can be considered as Overvalued.


How profitable is WATERDROP INC (WDH) stock?

WATERDROP INC (WDH) has a profitability rating of 4 / 10.


What is the valuation of WATERDROP INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for WATERDROP INC (WDH) is 92.5 and the Price/Book (PB) ratio is 0.92.