WATERDROP INC (WDH) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:WDH - US94132V1052 - ADR
1.95 USD
+0.05 (+2.63%)
2 USD
+0.05 (+2.56%)
We assign a fundamental rating of 4 out of 10 to WDH. WDH was compared to 148 industry peers in the Insurance industry. WDH has an average financial health and profitability rating. WDH is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year WDH was profitable.
In multiple years WDH reported negative net income over the last 5 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
Looking at the Return On Assets, with a value of 7.74%, WDH belongs to the top of the industry, outperforming 93.92% of the companies in the same industry.
With a Return On Equity value of 10.09%, WDH perfoms like the industry average, outperforming 47.97% of the companies in the same industry.
The Return On Invested Capital of WDH (5.14%) is better than 78.38% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
With an excellent Profit Margin value of 15.73%, WDH belongs to the best of the industry, outperforming 81.08% of the companies in the same industry.
WDH has a Operating Margin of 10.45%. This is in the lower half of the industry: WDH underperforms 60.14% of its industry peers.
The Gross Margin of WDH (51.17%) is better than 93.92% of its industry peers.
WDH's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector 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%
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.
The number of shares outstanding for WDH has been reduced compared to 1 year ago.
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 2.64. 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.
With an excellent Altman-Z score value of 2.64, WDH belongs to the best of the industry, outperforming 93.92% of the companies in the same industry.
A Debt/Equity ratio of 0.01 indicates that WDH is not too dependend on debt financing.
With an excellent Debt to Equity ratio value of 0.01, WDH belongs to the best of the industry, outperforming 88.51% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.01 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 2.64 |
ROIC/WACC0.82
WACC6.26%
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 90.54% 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.
With an excellent Quick ratio value of 2.59, WDH belongs to the best of the industry, outperforming 90.54% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.59 | ||
| Quick Ratio | 2.59 |
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 -31.89% yearly.
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-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
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.
4. Valuation
4.1 Price/Earnings Ratio
WDH is valuated quite expensively with a Price/Earnings ratio of 97.50.
81.76% of the companies in the same industry are cheaper than WDH, based on the Price/Earnings ratio.
WDH's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 26.39.
The Price/Forward Earnings ratio is 116.42, 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 rather expensive valuation: WDH more expensive than 81.76% of the companies listed in the same industry.
WDH's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 23.84.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 97.5 | ||
| Fwd PE | 116.42 |
4.2 Price Multiples
60.81% 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 | 14.13 |
4.3 Compensation for Growth
A cheap valuation may be justified as WDH's earnings are expected to decrease with -31.89% in the coming years.
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 2.27%.
WDH's Dividend Yield is a higher than the industry average which is at 2.30.
WDH's Dividend Yield is a higher than the S&P500 average which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.27% |
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%
1.95
+0.05 (+2.63%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners4.94%
Inst Owner Change15.71%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap705.24M
Revenue(TTM)3.25B
Net Income(TTM)511.78M
Analysts82.5
Price Target2.21 (13.33%)
Short Float %0.28%
Short Ratio0.31
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.27% |
Yearly Dividend0.06
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-Date
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)7.44%
PT rev (3m)10.18%
EPS NQ rev (1m)0%
EPS NQ rev (3m)51.16%
EPS NY rev (1m)0%
EPS NY rev (3m)24.95%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-5.89%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.51%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 97.5 | ||
| Fwd PE | 116.42 | ||
| P/S | 1.53 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.98 | ||
| P/tB | 1.03 | ||
| EV/EBITDA | 14.13 |
EPS(TTM)0.02
EY1.03%
EPS(NY)0.02
Fwd EY0.86%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS1.28
BVpS1.99
TBVpS1.9
PEG (NY)N/A
PEG (5Y)N/A
Graham Number0.95
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 2.64 |
F-ScoreN/A
WACC6.26%
ROIC/WACC0.82
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-66.13%
EPS Next 2Y-40.21%
EPS Next 3Y-31.89%
EPS Next 5YN/A
Revenue 1Y (TTM)18.56%
Revenue growth 3Y-4.73%
Revenue growth 5Y12.9%
Sales Q2Q%35.75%
Revenue Next Year20.77%
Revenue Next 2Y14.06%
Revenue Next 3Y12.72%
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.
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 97.5 and the Price/Book (PB) ratio is 0.98.
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.