Logo image of YB

YUANBAO INC -ADR (YB) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:YB - US9879101064 - ADR

20.029 USD
+0.1 (+0.5%)
Last: 11/28/2025, 8:07:13 PM
Fundamental Rating

5

Overall YB gets a fundamental rating of 5 out of 10. We evaluated YB against 148 industry peers in the Insurance industry. While YB has a great health rating, its profitability is only average at the moment. YB has a valuation in line with the averages, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

Quickly go to:

6

1. Profitability

1.1 Basic Checks

YB had positive earnings 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 39.99%, YB belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
Looking at the Return On Equity, with a value of 59.88%, YB belongs to the top of the industry, outperforming 98.65% of the companies in the same industry.
YB's Return On Invested Capital of 33.48% is amongst the best of the industry. YB outperforms 100.00% of its industry peers.
The Average Return On Invested Capital over the past 3 years for YB is significantly above the industry average of 4.57%.
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

The Profit Margin of YB (41.15%) is better than 97.97% of its industry peers.
Looking at the Operating Margin, with a value of 29.80%, YB belongs to the top of the industry, outperforming 93.92% of the companies in the same industry.
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

More info and screens

9

2. Health

2.1 Basic Checks

YB has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it 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 5.47 indicates that YB is not in any danger for bankruptcy at the moment.
YB has a Altman-Z score of 5.47. This is amongst the best in the industry. YB outperforms 97.30% of its industry peers.
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 5.47
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

A Current Ratio of 3.07 indicates that YB has no problem at all paying its short term obligations.
YB has a better Current ratio (3.07) than 92.57% of its industry peers.
A Quick Ratio of 3.07 indicates that YB has no problem at all paying its short term obligations.
With an excellent Quick ratio value of 3.07, YB belongs to the best of the industry, outperforming 92.57% of the companies in the same industry.
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

More info and screens

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%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

More info and screens

4

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 4.09, which indicates a rather cheap valuation of YB.
84.46% of the companies in the same industry are more expensive than YB, based on the Price/Earnings ratio.
YB is valuated cheaply when we compare the Price/Earnings ratio to 26.31, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 4.09
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

98.65% 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 0.79
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

More info and screens

0

5. Dividend

5.1 Amount

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

More info and screens

YUANBAO INC -ADR

NASDAQ:YB (11/28/2025, 8:07:13 PM)

20.029

+0.1 (+0.5%)

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 Change1079.48%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap902.91M
Revenue(TTM)3.80B
Net Income(TTM)1.56B
AnalystsN/A
Price TargetN/A
Short Float %0.15%
Short Ratio0.87
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 4.09
Fwd PE N/A
P/S 1.68
P/FCF N/A
P/OCF N/A
P/B 2.45
P/tB 2.51
EV/EBITDA 0.79
EPS(TTM)4.9
EY24.46%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS11.9
BVpS8.18
TBVpS8
PEG (NY)N/A
PEG (5Y)N/A
Graham Number30.03
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 5.47
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.