WDH Fundamental Analysis - WATERDROP INC

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to WDH. WDH was compared to 146 industry peers in the Insurance industry. WDH has a great financial health rating, but its profitability evaluates not so good. While showing a medium growth rate, WDH is valued expensive at the moment.

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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.

In multiple years WDH reported negative operating cash flow during the last 5 years.

1.2 Ratios

The Return On Assets of WDH (6.09%) is better than 91.10% of its industry peers.

WDH has a worse Return On Equity (8.12%) than 60.27% of its industry peers.

WDH has a better Return On Invested Capital (3.26%) than 66.44% of its industry peers.

		Industry Rank	Sector 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

1.3 Margins

With a decent Profit Margin value of 14.00%, WDH is doing good in the industry, outperforming 78.77% of the companies in the same industry.

WDH has a worse Operating Margin (7.37%) than 65.75% of its industry peers.

WDH's Gross Margin of 51.88% is amongst the best of 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	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%

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), WDH is destroying value.

Compared to 1 year ago, WDH has less shares outstanding

WDH has less shares outstanding than it did 5 years ago.

Compared to 1 year ago, WDH has a worse debt to assets ratio.

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.

WDH's Altman-Z score of 2.44 is amongst the best of the industry. WDH outperforms 91.10% of its industry peers.

There is no outstanding debt for WDH. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	N/A
Altman-Z	2.44

ROIC/WACC0.52

WACC6.27%

2.3 Liquidity

WDH has a Current Ratio of 2.84. This indicates that WDH is financially healthy and has no problem in meeting its short term obligations.

WDH has a better Current ratio (2.84) than 92.47% of its industry peers.

A Quick Ratio of 2.84 indicates that WDH has no problem at all paying its short term obligations.

With an excellent Quick ratio value of 2.84, WDH belongs to the best of the industry, outperforming 92.47% of the companies in the same industry.

		Industry Rank	Sector Rank
Current Ratio	2.84
Quick Ratio	2.84

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for WDH have decreased strongly by -67.09% in the last year.

WDH shows a small growth in Revenue. In the last year, the Revenue has grown by 5.36%.

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%N/A

Revenue 1Y (TTM)5.36%

Revenue growth 3Y-4.73%

Revenue growth 5Y12.9%

Sales Q2Q%25.72%

3.2 Future

Based on estimates for the next years, WDH will show a very negative growth in Earnings Per Share. The EPS will decrease by -40.79% on average per year.

WDH is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 61.59% yearly.

EPS Next Y-72.9%

EPS Next 2Y-56.67%

EPS Next 3Y-40.79%

EPS Next 5YN/A

Revenue Next Year25.16%

Revenue Next 2Y14.5%

Revenue Next 3Y12.58%

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.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 196.00, WDH can be considered very expensive at the moment.

Compared to the rest of the industry, the Price/Earnings ratio of WDH indicates a rather expensive valuation: WDH more expensive than 84.25% of the companies listed in the same industry.

WDH's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 27.41.

WDH is valuated quite expensively with a Price/Forward Earnings ratio of 225.08.

Based on the Price/Forward Earnings ratio, WDH is valued expensively inside the industry as 80.14% of the companies are valued cheaper.

When comparing the Price/Forward Earnings ratio of WDH to the average of the S&P500 Index (22.87), we can say WDH is valued expensively.

		Industry Rank	Sector Rank
PE	196
Fwd PE	225.08

4.2 Price Multiples

67.81% of the companies in the same industry are cheaper than WDH, based on the Enterprise Value to EBITDA ratio.

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	22.98

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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5. Dividend

5.1 Amount

WDH has a Yearly Dividend Yield of 2.11%.

WDH's Dividend Yield is comparable with the industry average which is at 3.44.

Compared to an average S&P500 Dividend Yield of 2.38, WDH has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.11%

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-56.67%

EPS Next 3Y-40.79%

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WATERDROP INC

NYSE:WDH (9/22/2025, 9:14:17 PM)

After market: 1.95 -0.01 (-0.51%)

1.96

+0.02 (+1.03%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)09-04 2025-09-04/bmo

Earnings (Next)12-11 2025-12-11

Inst Owners4.19%

Inst Owner Change6.15%

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap708.86M

Analysts85

Price Target2 (2.04%)

Short Float %0.04%

Short Ratio0.03

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.11%

Yearly Dividend0.06

Dividend Growth(5Y)N/A

DPN/A

Div Incr Years0

Div Non Decr Years0

Ex-Date10-10 2025-10-10 (0.03)

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)7.52%

PT rev (3m)8.12%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-3.2%

EPS NY rev (1m)0%

EPS NY rev (3m)23.25%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)3.16%

Revenue NY rev (3m)2.98%

Valuation

		Industry Rank	Sector Rank
PE	196
Fwd PE	225.08
P/S	1.79
P/FCF	N/A
P/OCF	N/A
P/B	1.04
P/tB	1.09
EV/EBITDA	22.98

EPS(TTM)0.01

EY0.51%

EPS(NY)0.01

Fwd EY0.44%

FCF(TTM)N/A

FCFYN/A

OCF(TTM)N/A

OCFYN/A

SpS1.1

BVpS1.89

TBVpS1.8

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector 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 Rank	Sector 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	2.44

F-ScoreN/A

WACC6.27%

ROIC/WACC0.52

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%N/A

EPS Next Y-72.9%

EPS Next 2Y-56.67%

EPS Next 3Y-40.79%

EPS Next 5YN/A

Revenue 1Y (TTM)5.36%

Revenue growth 3Y-4.73%

Revenue growth 5Y12.9%

Sales Q2Q%25.72%

Revenue Next Year25.16%

Revenue Next 2Y14.5%

Revenue Next 3Y12.58%

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

WATERDROP INC (WDH) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

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3. Growth

3.1 Past

3.2 Future

3.3 Evolution

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4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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