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YUANBAO INC -ADR (YB) Stock Fundamental Analysis

USA - NASDAQ:YB - US9879101064 - ADR

22.84 USD
-0.21 (-0.89%)
Last: 10/31/2025, 8:20:36 PM
22.84 USD
0 (0%)
After Hours: 10/31/2025, 8:20:36 PM
Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to YB. YB was compared to 147 industry peers in the Insurance industry. While YB has a great health rating, its profitability is only average at the moment. YB is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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6

1. Profitability

1.1 Basic Checks

In the past year YB was profitable.
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

YB has a Return On Assets of 39.99%. This is amongst the best in the industry. YB outperforms 100.00% of its industry peers.
Looking at the Return On Equity, with a value of 59.88%, YB belongs to the top of the industry, outperforming 98.64% of the companies in the same industry.
YB has a Return On Invested Capital of 33.48%. This is amongst the best in the industry. YB outperforms 100.00% of its industry peers.
YB had an Average Return On Invested Capital over the past 3 years of 17.77%. This is significantly above the industry average of 4.49%.
The 3 year average ROIC (17.77%) for YB is below the current ROIC(33.48%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 39.99%
ROE 59.88%
ROIC 33.48%
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 41.15% is amongst the best of the industry. YB outperforms 97.96% of its industry peers.
YB has a Operating Margin of 29.80%. This is amongst the best in the industry. YB outperforms 95.92% of its industry peers.
Industry RankSector Rank
OM 29.8%
PM (TTM) 41.15%
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.
The number of shares outstanding for YB remains at a similar level compared to 1 year ago.
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.
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

An Altman-Z score of 5.94 indicates that YB is not in any danger for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 5.94, YB belongs to the top of the industry, outperforming 97.96% of the companies in the same industry.
YB has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z 5.94
ROIC/WACC4.44
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

YB has a Current Ratio of 3.07. This indicates that YB is financially healthy and has no problem in meeting its short term obligations.
YB's Current ratio of 3.07 is amongst the best of the industry. YB outperforms 93.88% of its industry peers.
A Quick Ratio of 3.07 indicates that YB has no problem at all paying its short term obligations.
YB's Quick ratio of 3.07 is amongst the best of the industry. YB outperforms 93.88% of its industry peers.
Industry RankSector Rank
Current Ratio 3.07
Quick Ratio 3.07
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.
Looking at the last year, YB shows a very strong growth in Revenue. The Revenue has grown by 60.60%.
EPS 1Y (TTM)231.74%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%463.18%
Revenue 1Y (TTM)60.6%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-90.23%

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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4

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 4.69, the valuation of YB can be described as very cheap.
YB's Price/Earnings ratio is rather cheap when compared to the industry. YB is cheaper than 82.31% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.10. YB is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 4.69
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

95.24% of the companies in the same industry are more expensive than YB, based on the Enterprise Value to EBITDA ratio.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 1.66
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

The decent profitability rating of YB 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

No dividends for YB!.
Industry RankSector Rank
Dividend Yield N/A

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YUANBAO INC -ADR

NASDAQ:YB (10/31/2025, 8:20:36 PM)

After market: 22.84 0 (0%)

22.84

-0.21 (-0.89%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)08-27 2025-08-27/bmo
Earnings (Next)N/A N/A
Inst Owners0.99%
Inst Owner Change0%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap1.03B
Revenue(TTM)3.80B
Net Income(TTM)1.56B
AnalystsN/A
Price TargetN/A
Short Float %0.2%
Short Ratio0.9
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 4.69
Fwd PE N/A
P/S 1.93
P/FCF N/A
P/OCF N/A
P/B 2.81
P/tB 2.87
EV/EBITDA 1.66
EPS(TTM)4.87
EY21.32%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS11.83
BVpS8.13
TBVpS7.95
PEG (NY)N/A
PEG (5Y)N/A
Graham Number29.85
Profitability
Industry RankSector Rank
ROA 39.99%
ROE 59.88%
ROCE 42.38%
ROIC 33.48%
ROICexc N/A
ROICexgc N/A
OM 29.8%
PM (TTM) 41.15%
GM N/A
FCFM N/A
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
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 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.97
Health
Industry RankSector 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 3.07
Quick Ratio 3.07
Altman-Z 5.94
F-ScoreN/A
WACC7.54%
ROIC/WACC4.44
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%463.18%
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%-90.23%
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

YUANBAO INC -ADR / YB FAQ

What is the ChartMill fundamental rating of YUANBAO INC -ADR (YB) stock?

ChartMill assigns a fundamental rating of 5 / 10 to YB.


What is the valuation status of YUANBAO INC -ADR (YB) stock?

ChartMill assigns a valuation rating of 4 / 10 to YUANBAO INC -ADR (YB). This can be considered as Fairly Valued.


What is the profitability of YB stock?

YUANBAO INC -ADR (YB) has a profitability rating of 6 / 10.


What is the financial health of YUANBAO INC -ADR (YB) stock?

The financial health rating of YUANBAO INC -ADR (YB) is 9 / 10.