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YUANBAO INC -ADR (YB) Stock Fundamental Analysis

NASDAQ:YB - US9879101064 - ADR

23.85 USD
+1.24 (+5.48%)
Last: 9/5/2025, 8:00:02 PM
23.85 USD
0 (0%)
After Hours: 9/5/2025, 8:00:02 PM
Fundamental Rating

5

YB gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 146 industry peers in the Insurance industry. YB has an excellent financial health rating, but there are some minor concerns on its profitability. YB is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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6

1. Profitability

1.1 Basic Checks

YB had positive earnings in the past year.
YB had a positive operating cash flow in the past year.
YB Yearly Net Income VS EBIT VS OCF VS FCFYB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2022 2023 2024 0 500M 1B

1.2 Ratios

Looking at the Return On Assets, with a value of 15.68%, YB belongs to the top of the industry, outperforming 99.32% of the companies in the same industry.
YB has a Return On Equity of 24.39%. This is amongst the best in the industry. YB outperforms 91.78% of its industry peers.
With an excellent Return On Invested Capital value of 36.89%, YB belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for YB is significantly above the industry average of 4.46%.
The last Return On Invested Capital (36.89%) for YB is above the 3 year average (17.77%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 15.68%
ROE 24.39%
ROIC 36.89%
ROA(3y)-15.55%
ROA(5y)N/A
ROE(3y)-30.13%
ROE(5y)N/A
ROIC(3y)17.77%
ROIC(5y)N/A
YB Yearly ROA, ROE, ROICYB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2022 2023 2024 0 20 -20 -40 -60

1.3 Margins

YB's Profit Margin of 13.27% is fine compared to the rest of the industry. YB outperforms 77.40% of its industry peers.
The Operating Margin of YB (26.14%) is better than 93.15% of its industry peers.
Industry RankSector Rank
OM 26.14%
PM (TTM) 13.27%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
YB Yearly Profit, Operating, Gross MarginsYB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2022 2023 2024 0 20 -20

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9

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), YB is creating value.
Compared to 1 year ago, YB has about the same amount of shares outstanding.
YB has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
YB Yearly Shares OutstandingYB Yearly Shares OutstandingYearly Shares Outstanding 2022 2023 2024 10M 20M 30M 40M
YB Yearly Total Debt VS Total AssetsYB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2022 2023 2024 500M 1B 1.5B 2B 2.5B

2.2 Solvency

YB has an Altman-Z score of 6.42. This indicates that YB is financially healthy and has little risk of bankruptcy at the moment.
With an excellent Altman-Z score value of 6.42, YB belongs to the best of the industry, outperforming 98.63% of the companies in the same industry.
There is no outstanding debt for YB. 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 RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z 6.42
ROIC/WACC4.89
WACC7.54%
YB Yearly LT Debt VS Equity VS FCFYB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2022 2023 2024 500M 1B 1.5B

2.3 Liquidity

A Current Ratio of 2.84 indicates that YB has no problem at all paying its short term obligations.
YB has a better Current ratio (2.84) than 93.15% of its industry peers.
YB has a Quick Ratio of 2.84. This indicates that YB is financially healthy and has no problem in meeting its short term obligations.
With an excellent Quick ratio value of 2.84, YB belongs to the best of the industry, outperforming 93.15% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 2.84
Quick Ratio 2.84
YB Yearly Current Assets VS Current LiabilitesYB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2022 2023 2024 500M 1B 1.5B 2B 2.5B

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2

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 231.74% over the past year.
The Revenue has grown by 60.60% in the past year. This is a very strong growth!
EPS 1Y (TTM)231.74%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%N/A
Revenue 1Y (TTM)60.6%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
YB Yearly Revenue VS EstimatesYB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2022 2023 2024 1B 2B 3B

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3

4. Valuation

4.1 Price/Earnings Ratio

YB is valuated rather expensively with a Price/Earnings ratio of 17.67.
YB's Price/Earnings ratio is a bit more expensive when compared to the industry. YB is more expensive than 60.96% of the companies in the same industry.
YB is valuated rather cheaply when we compare the Price/Earnings ratio to 27.06, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 17.67
Fwd PE N/A
YB Price Earnings VS Forward Price EarningsYB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, YB is valued a bit cheaper than 78.77% of the companies in the same industry.
69.86% of the companies in the same industry are more expensive than YB, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 6.38
EV/EBITDA 5.2
YB Per share dataYB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

YB has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

YB does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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YUANBAO INC -ADR

NASDAQ:YB (9/5/2025, 8:00:02 PM)

After market: 23.85 0 (0%)

23.85

+1.24 (+5.48%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)08-27 2025-08-27/bmo
Earnings (Next)N/A N/A
Inst OwnersN/A
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap1.08B
AnalystsN/A
Price TargetN/A
Short Float %0.04%
Short Ratio0.13
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
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)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
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)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 17.67
Fwd PE N/A
P/S 2.34
P/FCF 6.38
P/OCF 6.36
P/B 4.3
P/tB 4.44
EV/EBITDA 5.2
EPS(TTM)1.35
EY5.66%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)3.74
FCFY15.69%
OCF(TTM)3.75
OCFY15.73%
SpS10.2
BVpS5.55
TBVpS5.37
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 15.68%
ROE 24.39%
ROCE 46.69%
ROIC 36.89%
ROICexc N/A
ROICexgc N/A
OM 26.14%
PM (TTM) 13.27%
GM N/A
FCFM 36.66%
ROA(3y)-15.55%
ROA(5y)N/A
ROE(3y)-30.13%
ROE(5y)N/A
ROIC(3y)17.77%
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)22.5%
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 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover1.18
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA 0
Cap/Depr 22.35%
Cap/Sales 0.1%
Interest Coverage 250
Cash Conversion 138.24%
Profit Quality 276.26%
Current Ratio 2.84
Quick Ratio 2.84
Altman-Z 6.42
F-Score7
WACC7.54%
ROIC/WACC4.89
Cap/Depr(3y)24.38%
Cap/Depr(5y)N/A
Cap/Sales(3y)0.2%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)231.74%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%N/A
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)60.6%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y389.63%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y175.37%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y173.23%
OCF growth 3YN/A
OCF growth 5YN/A