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WATERDROP INC (WDH) Stock Fundamental Analysis

NYSE:WDH - New York Stock Exchange, Inc. - US94132V1052 - ADR - Currency: USD

1.81  +0.07 (+4.02%)

After market: 1.83 +0.02 (+1.1%)

Fundamental Rating

5

Overall WDH gets a fundamental rating of 5 out of 10. We evaluated WDH against 143 industry peers in the Insurance industry. WDH has an excellent financial health rating, but there are some minor concerns on its profitability. WDH is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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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.
In multiple years WDH reported negative operating cash flow during the last 5 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 6.09%. This is amongst the best in the industry. WDH outperforms 91.61% of its industry peers.
WDH has a Return On Equity of 8.12%. This is in the lower half of the industry: WDH underperforms 60.14% of its industry peers.
Looking at the Return On Invested Capital, with a value of 3.26%, WDH is in the better half of the industry, outperforming 69.93% of the companies in the same industry.
Industry RankSector Rank
ROA 6.09%
ROE 8.12%
ROIC 3.26%
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 14.00% is amongst the best of the industry. WDH outperforms 80.42% of its industry peers.
Looking at the Operating Margin, with a value of 7.37%, WDH is doing worse than 62.94% of the companies in the same industry.
With an excellent Gross Margin value of 51.88%, WDH belongs to the best of the industry, outperforming 95.10% of the companies in the same industry.
In the last couple of years the Gross Margin of WDH has declined.
Industry RankSector Rank
OM 7.37%
PM (TTM) 14%
GM 51.88%
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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8

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.
WDH has less shares outstanding than it did 1 year ago.
The number of shares outstanding for WDH has been reduced compared to 5 years ago.
The debt/assets ratio for WDH is higher compared to a year ago.
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

An Altman-Z score of 2.32 indicates that WDH is not a great score, but indicates only limited risk for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 2.32, WDH belongs to the top of the industry, outperforming 91.61% of the companies in the same industry.
WDH has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z 2.32
ROIC/WACC0.53
WACC6.18%
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 2.84 indicates that WDH has no problem at all paying its short term obligations.
WDH's Current ratio of 2.84 is amongst the best of the industry. WDH outperforms 94.41% of its industry peers.
A Quick Ratio of 2.84 indicates that WDH has no problem at all paying its short term obligations.
WDH has a Quick ratio of 2.84. This is amongst the best in the industry. WDH outperforms 94.41% of its industry peers.
Industry RankSector Rank
Current Ratio 2.84
Quick Ratio 2.84
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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5

3. Growth

3.1 Past

WDH shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -87.65%.
The Revenue has been growing slightly by 3.37% in the past year.
WDH shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 12.90% yearly.
EPS 1Y (TTM)-87.65%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-100%
Revenue 1Y (TTM)3.37%
Revenue growth 3Y-4.73%
Revenue growth 5Y12.9%
Sales Q2Q%-85.32%

3.2 Future

The Earnings Per Share is expected to decrease by -40.79% on average over the next years. This is quite bad
The Revenue is expected to grow by 61.59% on average over the next years. This is a very strong growth
EPS Next Y-72.9%
EPS Next 2Y-56.67%
EPS Next 3Y-40.79%
EPS Next 5YN/A
Revenue Next Year21.33%
Revenue Next 2Y15.16%
Revenue Next 3Y12.45%
Revenue Next 5Y61.59%

3.3 Evolution

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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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0

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 181.00, the valuation of WDH can be described as expensive.
Based on the Price/Earnings ratio, WDH is valued more expensive than 83.92% of the companies in the same industry.
WDH is valuated expensively when we compare the Price/Earnings ratio to 26.51, which is the current average of the S&P500 Index.
WDH is valuated quite expensively with a Price/Forward Earnings ratio of 209.95.
Compared to the rest of the industry, the Price/Forward Earnings ratio of WDH indicates a rather expensive valuation: WDH more expensive than 81.12% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 34.09. WDH is valued rather expensively when compared to this.
Industry RankSector Rank
PE 181
Fwd PE 209.95
WDH Price Earnings VS Forward Price EarningsWDH Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 50 100 150 200

4.2 Price Multiples

65.03% of the companies in the same industry are cheaper than WDH, based on the Enterprise Value to EBITDA ratio.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 21.44
WDH Per share dataWDH EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0.5 1 1.5

4.3 Compensation for Growth

WDH's earnings are expected to decrease with -40.79% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-56.67%
EPS Next 3Y-40.79%

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1

5. Dividend

5.1 Amount

WDH has a yearly dividend return of 0.92%, which is pretty low.
Compared to an average industry Dividend Yield of 3.31, WDH has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.40, WDH's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.92%

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
WDH Yearly Dividends per shareWDH Yearly Dividends per shareYearly Dividends per share 2024 2025 0.01 0.02 0.03 0.04 0.05

5.3 Sustainability

DPN/A
EPS Next 2Y-56.67%
EPS Next 3Y-40.79%
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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WATERDROP INC

NYSE:WDH (8/8/2025, 8:12:05 PM)

After market: 1.83 +0.02 (+1.1%)

1.81

+0.07 (+4.02%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)06-05 2025-06-05/bmo
Earnings (Next)09-04 2025-09-04
Inst Owners4.19%
Inst Owner Change2.58%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap654.61M
Analysts85
Price Target1.86 (2.76%)
Short Float %0.57%
Short Ratio0.48
Dividend
Industry RankSector Rank
Dividend Yield 0.92%
Yearly Dividend0.06
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-Date04-11 2025-04-11 (0.02)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-28.23%
Min EPS beat(2)-100%
Max EPS beat(2)43.54%
EPS beat(4)1
Avg EPS beat(4)-64.11%
Min EPS beat(4)-100%
Max EPS beat(4)43.54%
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)0
Avg Revenue beat(2)-1.74%
Min Revenue beat(2)-2.21%
Max Revenue beat(2)-1.26%
Revenue beat(4)0
Avg Revenue beat(4)-3.69%
Min Revenue beat(4)-8.93%
Max Revenue beat(4)-1.26%
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)0.55%
PT rev (3m)1.42%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.2%
EPS NY rev (1m)0%
EPS NY rev (3m)16.8%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.01%
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.1%
Valuation
Industry RankSector Rank
PE 181
Fwd PE 209.95
P/S 1.67
P/FCF N/A
P/OCF N/A
P/B 0.97
P/tB 1.02
EV/EBITDA 21.44
EPS(TTM)0.01
EY0.55%
EPS(NY)0.01
Fwd EY0.48%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS1.09
BVpS1.87
TBVpS1.78
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 6.09%
ROE 8.12%
ROCE 4.13%
ROIC 3.26%
ROICexc 3.26%
ROICexgc 3.42%
OM 7.37%
PM (TTM) 14%
GM 51.88%
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
ROICexcg growth 3YN/A
ROICexcg 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 Turnover0.43
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA 0
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 2.84
Quick Ratio 2.84
Altman-Z 2.32
F-ScoreN/A
WACC6.18%
ROIC/WACC0.53
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)-87.65%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-100%
EPS Next Y-72.9%
EPS Next 2Y-56.67%
EPS Next 3Y-40.79%
EPS Next 5YN/A
Revenue 1Y (TTM)3.37%
Revenue growth 3Y-4.73%
Revenue growth 5Y12.9%
Sales Q2Q%-85.32%
Revenue Next Year21.33%
Revenue Next 2Y15.16%
Revenue Next 3Y12.45%
Revenue Next 5Y61.59%
EBIT growth 1Y609.36%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-1.27%
EBIT Next 3Y17.63%
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