WATERDROP INC (WDH)
US94132V1052 - ADR
Overall WDH gets a fundamental rating of 4 out of 10. We evaluated WDH against 141 industry peers in the Insurance industry. While WDH seems to be doing ok healthwise, there are quite some concerns on its profitability. WDH is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
WDH had positive earnings in the past year.
In multiple years WDH reported negative net income over the last 5 years.
WDH had negative operating cash flow in 4 of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 2.72%, WDH is in the better half of the industry, outperforming 61.43% of the companies in the same industry.
WDH has a worse Return On Equity (3.65%) than 65.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.72% | ||
| ROE | 3.65% | ||
| ROIC | N/A |
ROA(3y)-6.63%
ROA(5y)-12.28%
ROE(3y)-9.02%
ROE(5y)-18.48%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 6.36%, WDH is in line with its industry, outperforming 54.29% of the companies in the same industry.
WDH's Gross Margin of 54.56% is amongst the best of the industry. WDH outperforms 95.71% of its industry peers.
In the last couple of years the Gross Margin of WDH has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 6.36% | ||
| GM | 54.56% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-10.26%
GM growth 5Y-7.54%
2. Health
2.1 Basic Checks
WDH does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, WDH has about the same amount of shares outstanding.
WDH has less shares outstanding than it did 5 years ago.
WDH has a worse debt/assets ratio than last year.
2.2 Solvency
WDH has an Altman-Z score of 1.82. 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.
Looking at the Altman-Z score, with a value of 1.82, WDH belongs to the top of the industry, outperforming 91.43% of the companies in the same industry.
WDH has a Debt/Equity ratio of 0.03. This is a healthy value indicating a solid balance between debt and equity.
With an excellent Debt to Equity ratio value of 0.03, WDH belongs to the best of the industry, outperforming 89.29% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.82 |
ROIC/WACCN/A
WACC7.54%
2.3 Liquidity
A Current Ratio of 3.96 indicates that WDH has no problem at all paying its short term obligations.
WDH has a Current ratio of 3.96. This is amongst the best in the industry. WDH outperforms 94.29% of its industry peers.
A Quick Ratio of 3.96 indicates that WDH has no problem at all paying its short term obligations.
Looking at the Quick ratio, with a value of 3.96, WDH belongs to the top of the industry, outperforming 94.29% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 3.96 | ||
| Quick Ratio | 3.96 |
3. Growth
3.1 Past
WDH shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -93.89%.
WDH shows a decrease in Revenue. In the last year, the revenue decreased by -6.11%.
WDH shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 61.68% yearly.
EPS 1Y (TTM)-93.89%
EPS 3YN/A
EPS 5YN/A
EPS growth Q2Q-47.67%
Revenue 1Y (TTM)-6.11%
Revenue growth 3Y-4.58%
Revenue growth 5Y61.68%
Revenue growth Q2Q-2.96%
3.2 Future
The Earnings Per Share is expected to grow by 34.01% on average over the next years. This is a very strong growth
Based on estimates for the next years, WDH will show a very strong growth in Revenue. The Revenue will grow by 57.33% on average per year.
EPS Next Y23.46%
EPS Next 2Y34.01%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year14.16%
Revenue Next 2Y11.6%
Revenue Next 3Y102.81%
Revenue Next 5Y57.33%
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 stable.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 116.00, WDH can be considered very expensive at the moment.
Based on the Price/Earnings ratio, WDH is valued a bit more expensive than 76.43% of the companies in the same industry.
When comparing the Price/Earnings ratio of WDH to the average of the S&P500 Index (28.28), we can say WDH is valued expensively.
The Price/Forward Earnings ratio is 106.31, which means the current valuation is very expensive for WDH.
Compared to the rest of the industry, the Price/Forward Earnings ratio of WDH indicates a slightly more expensive valuation: WDH is more expensive than 76.43% of the companies listed in the same industry.
WDH is valuated expensively when we compare the Price/Forward Earnings ratio to 20.88, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 116 | ||
| Fwd PE | 106.31 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
WDH's earnings are expected to grow with 34.01% in the coming years. This may justify a more expensive valuation.
PEG (NY)4.95
PEG (5Y)N/A
EPS Next 2Y34.01%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.86%, WDH is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.26, WDH pays a better dividend. On top of this WDH pays more dividend than 87.14% of the companies listed in the same industry.
WDH's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.86% |
5.2 History
WDH does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
DPN/A
EPS Next 2Y34.01%
EPS Next 3YN/A
WATERDROP INC
NYSE:WDH (5/3/2024, 7:26:12 PM)
1.16
-0.02 (-1.69%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap427.97M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.86% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 116 | ||
| Fwd PE | 106.31 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)4.95
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.72% | ||
| ROE | 3.65% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 6.36% | ||
| GM | 54.56% | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.43
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 3.96 | ||
| Quick Ratio | 3.96 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-93.89%
EPS 3YN/A
EPS 5Y
EPS growth Q2Q
EPS Next Y23.46%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-6.11%
Revenue growth 3Y-4.58%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y