WATERDROP INC (WDH) Stock Fundamental Analysis
NYSE:WDH - US94132V1052 - ADR
1.72 USD
-0.05 (-2.82%)
1.72 USD
0 (0%)
We assign a fundamental rating of 5 out of 10 to WDH. WDH was compared to 146 industry peers in the Insurance industry. WDH is in great health and has no worries on liquidiy or solvency at all, but the profibility rating is only average. While showing a medium growth rate, WDH is valued expensive at the moment.
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.
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
The Return On Assets of WDH (6.09%) is better than 91.10% of its industry peers.
With a Return On Equity value of 8.12%, WDH perfoms like the industry average, outperforming 40.41% of the companies in the same industry.
The Return On Invested Capital of WDH (3.26%) is better 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 Operating Margin of 7.37%. This is in the lower half of the industry: WDH underperforms 65.07% of its industry peers.
Looking at the Gross Margin, with a value of 51.88%, WDH belongs to the top of the industry, outperforming 95.21% of the companies in the same industry.
WDH's Gross Margin has declined in the last couple of years.
| 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%
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.
The debt/assets ratio for WDH is higher compared to a year ago.
2.2 Solvency
An Altman-Z score of 2.22 indicates that WDH is not a great score, but indicates only limited risk for bankruptcy at the moment.
The Altman-Z score of WDH (2.22) is better than 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 | 2.22 |
ROIC/WACC0.53
WACC6.13%
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.
Looking at the Current ratio, with a value of 2.84, WDH belongs to the top 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.
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 |
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.
The Revenue has been growing by 12.90% on average over the past years. This is quite good.
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
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 Year21.33%
Revenue Next 2Y15.16%
Revenue Next 3Y12.45%
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
A Price/Earnings ratio of 172.00 indicates a quite expensive valuation of WDH.
84.25% of the companies in the same industry are cheaper than WDH, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 27.13, WDH is valued quite expensively.
Based on the Price/Forward Earnings ratio of 198.09, the valuation of WDH can be described as expensive.
Based on the Price/Forward Earnings ratio, WDH is valued more expensive than 80.14% of the companies 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 22.76.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 172 | ||
| Fwd PE | 198.09 |
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 64.38% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 20.23 |
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%
5. Dividend
5.1 Amount
With a yearly dividend of 0.92%, WDH is not a good candidate for dividend investing.
WDH's Dividend Yield is comparable with the industry average which is at 3.24.
Compared to an average S&P500 Dividend Yield of 2.32, WDH's dividend is way lower than the S&P500 average.
| Industry Rank | Sector 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
5.3 Sustainability
DPN/A
EPS Next 2Y-56.67%
EPS Next 3Y-40.79%
1.72
-0.05 (-2.82%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners4.19%
Inst Owner Change6.15%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap622.06M
Analysts85
Price Target1.86 (8.14%)
Short Float %0.53%
Short Ratio0.41
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.92% |
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)-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%
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 172 | ||
| Fwd PE | 198.09 | ||
| P/S | 1.57 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.91 | ||
| P/tB | 0.96 | ||
| EV/EBITDA | 20.23 |
EPS(TTM)0.01
EY0.58%
EPS(NY)0.01
Fwd EY0.5%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS1.09
BVpS1.88
TBVpS1.79
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 | 2.22 |
F-ScoreN/A
WACC6.13%
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