WATERDROP INC (WDH) Stock Fundamental Analysis
USA - NYSE:WDH - US94132V1052 - ADR
1.6 USD
+0.01 (+0.63%)
WDH gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 146 industry peers in the Insurance industry. Both the profitability and the financial health of WDH get a neutral evaluation. Nothing too spectacular is happening here. While showing a medium growth rate, WDH is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
In the past year WDH was profitable.
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.
1.2 Ratios
WDH has a Return On Assets of 6.85%. This is amongst the best in the industry. WDH outperforms 91.78% of its industry peers.
WDH's Return On Equity of 8.91% is in line compared to the rest of the industry. WDH outperforms 43.15% of its industry peers.
WDH has a better Return On Invested Capital (3.86%) than 68.49% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.85% | ||
| ROE | 8.91% | ||
| ROIC | 3.86% |
ROA(3y)6.23%
ROA(5y)-7.55%
ROE(3y)8.02%
ROE(5y)-10.84%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
WDH has a Profit Margin of 14.97%. This is amongst the best in the industry. WDH outperforms 80.82% of its industry peers.
Looking at the Operating Margin, with a value of 8.46%, WDH is doing worse than 63.01% of the companies in the same industry.
WDH has a Gross Margin of 51.24%. This is amongst the best in the industry. WDH outperforms 95.21% of its industry peers.
In the last couple of years the Gross Margin of WDH has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 8.46% | ||
| PM (TTM) | 14.97% | ||
| GM | 51.24% |
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%
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.
WDH has less shares outstanding than it did 5 years ago.
The debt/assets ratio for WDH is higher compared to a year ago.
2.2 Solvency
WDH has an Altman-Z score of 2.27. 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 2.27, WDH belongs to the top of the industry, outperforming 90.41% of the companies in the same industry.
WDH has a Debt/Equity ratio of 0.01. This is a healthy value indicating a solid balance between debt and equity.
WDH has a better Debt to Equity ratio (0.01) than 89.04% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.01 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 2.27 |
ROIC/WACC0.64
WACC6.04%
2.3 Liquidity
A Current Ratio of 2.84 indicates that WDH has no problem at all paying its short term obligations.
With an excellent Current ratio value of 2.84, WDH belongs to the best of the industry, outperforming 92.47% of the companies in the same industry.
WDH has a Quick Ratio of 2.84. This indicates that WDH is financially healthy and has no problem in meeting its short term obligations.
WDH has a Quick ratio of 2.84. This is amongst the best in the industry. WDH outperforms 92.47% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.84 | ||
| Quick Ratio | 2.84 |
3. Growth
3.1 Past
The earnings per share for WDH have decreased strongly by -67.09% in the last year.
Looking at the last year, WDH shows a quite strong growth in Revenue. The Revenue has grown by 9.40% in the last 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)-67.09%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%100%
Revenue 1Y (TTM)9.4%
Revenue growth 3Y-4.73%
Revenue growth 5Y12.9%
Sales Q2Q%25.72%
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 -31.89% 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-66.13%
EPS Next 2Y-40.21%
EPS Next 3Y-31.89%
EPS Next 5YN/A
Revenue Next Year20.77%
Revenue Next 2Y14.06%
Revenue Next 3Y12.72%
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 160.00, the valuation of WDH can be described as expensive.
Based on the Price/Earnings ratio, WDH is valued more expensive than 86.30% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 25.83. WDH is valued rather expensively when compared to this.
Based on the Price/Forward Earnings ratio of 96.59, the valuation of WDH can be described as expensive.
Based on the Price/Forward Earnings ratio, WDH is valued a bit more expensive than the industry average as 79.45% of the companies are valued more cheaply.
The average S&P500 Price/Forward Earnings ratio is at 32.68. WDH is valued rather expensively when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 160 | ||
| Fwd PE | 96.59 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of WDH indicates a slightly more expensive valuation: WDH is more expensive than 61.64% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 15.51 |
4.3 Compensation for Growth
WDH's earnings are expected to decrease with -31.89% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-40.21%
EPS Next 3Y-31.89%
5. Dividend
5.1 Amount
WDH has a Yearly Dividend Yield of 2.30%.
Compared to an average industry Dividend Yield of 3.33, WDH pays a bit more dividend than its industry peers.
WDH's Dividend Yield is comparable with the S&P500 average which is at 2.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.3% |
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 2Y-40.21%
EPS Next 3Y-31.89%
NYSE:WDH (11/7/2025, 8:26:21 PM)
1.6
+0.01 (+0.63%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners4.31%
Inst Owner Change-2.35%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap578.66M
Revenue(TTM)2.98B
Net Income(TTM)446.59M
Analysts82.5
Price Target2.06 (28.75%)
Short Float %0.31%
Short Ratio0.25
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.3% |
Yearly Dividend0.06
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-14.6%
Min EPS beat(2)-100%
Max EPS beat(2)70.8%
EPS beat(4)2
Avg EPS beat(4)-21.41%
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)1
Avg Revenue beat(2)1.07%
Min Revenue beat(2)-2.21%
Max Revenue beat(2)4.35%
Revenue beat(4)1
Avg Revenue beat(4)-0.37%
Min Revenue beat(4)-2.35%
Max Revenue beat(4)4.35%
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)2.54%
PT rev (3m)10.26%
EPS NQ rev (1m)0%
EPS NQ rev (3m)43.21%
EPS NY rev (1m)59.17%
EPS NY rev (3m)24.95%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.63%
Revenue NY rev (1m)-3.31%
Revenue NY rev (3m)-0.46%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 160 | ||
| Fwd PE | 96.59 | ||
| P/S | 1.38 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.82 | ||
| P/tB | 0.86 | ||
| EV/EBITDA | 15.51 |
EPS(TTM)0.01
EY0.63%
EPS(NY)0.02
Fwd EY1.04%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS1.16
BVpS1.95
TBVpS1.86
PEG (NY)N/A
PEG (5Y)N/A
Graham Number0.66
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.85% | ||
| ROE | 8.91% | ||
| ROCE | 4.94% | ||
| ROIC | 3.86% | ||
| ROICexc | 3.86% | ||
| ROICexgc | 4.04% | ||
| OM | 8.46% | ||
| PM (TTM) | 14.97% | ||
| GM | 51.24% | ||
| 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 Turnover0.46
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.01 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 0.24 | ||
| 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 | 2.27 |
F-ScoreN/A
WACC6.04%
ROIC/WACC0.64
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)-67.09%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%100%
EPS Next Y-66.13%
EPS Next 2Y-40.21%
EPS Next 3Y-31.89%
EPS Next 5YN/A
Revenue 1Y (TTM)9.4%
Revenue growth 3Y-4.73%
Revenue growth 5Y12.9%
Sales Q2Q%25.72%
Revenue Next Year20.77%
Revenue Next 2Y14.06%
Revenue Next 3Y12.72%
Revenue Next 5Y61.59%
EBIT growth 1Y104.73%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year23.98%
EBIT Next 3Y22.3%
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.
What is the valuation status of WATERDROP INC (WDH) stock?
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.
Can you provide the PE and PB ratios for WDH stock?
The Price/Earnings (PE) ratio for WATERDROP INC (WDH) is 160 and the Price/Book (PB) ratio is 0.82.
What is the expected EPS growth for WATERDROP INC (WDH) stock?
The Earnings per Share (EPS) of WATERDROP INC (WDH) is expected to decline by -66.13% in the next year.