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YUANBAO INC -ADR (YB) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:YB - US9879101064 - ADR

20.15 USD
-0.08 (-0.4%)
Last: 12/22/2025, 3:46:12 PM
21.95 USD
+1.8 (+8.93%)
After Hours: 12/8/2025, 8:00:02 PM
Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to YB. YB was compared to 148 industry peers in the Insurance industry. While YB has a great health rating, its profitability is only average at the moment. YB is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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5

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

The Return On Assets of YB (43.78%) is better than 100.00% of its industry peers.
YB's Return On Equity of 62.30% is amongst the best of the industry. YB outperforms 100.00% of its industry peers.
With an excellent Return On Invested Capital value of 31.79%, YB belongs to the best of the industry, outperforming 99.32% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for YB is above the industry average of 14.88%.
The last Return On Invested Capital (31.79%) for YB is above the 3 year average (17.77%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 43.78%
ROE 62.3%
ROIC 31.79%
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

Looking at the Profit Margin, with a value of 45.67%, YB belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
YB has a Operating Margin of 30.12%. This is amongst the best in the industry. YB outperforms 93.24% of its industry peers.
Industry RankSector Rank
OM 30.12%
PM (TTM) 45.67%
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.
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

YB has an Altman-Z score of 5.71. This indicates that YB is financially healthy and has little risk of bankruptcy at the moment.
YB has a better Altman-Z score (5.71) than 98.65% 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 5.71
ROIC/WACC4.22
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 3.40. This indicates that YB is financially healthy and has no problem in meeting its short term obligations.
The Current ratio of YB (3.40) is better than 91.89% of its industry peers.
YB has a Quick Ratio of 3.40. This indicates that YB is financially healthy and has no problem in meeting its short term obligations.
With an excellent Quick ratio value of 3.40, YB belongs to the best of the industry, outperforming 91.89% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 3.4
Quick Ratio 3.4
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

YB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 231.74%, which is quite impressive.
YB shows a strong growth in Revenue. In the last year, the Revenue has grown by 60.60%.
EPS 1Y (TTM)231.74%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%424.2%
Revenue 1Y (TTM)60.6%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%33.59%

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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2

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 3.24 indicates a rather cheap valuation of YB.
Compared to the rest of the industry, the Price/Earnings ratio of YB indicates a rather cheap valuation: YB is cheaper than 85.81% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.39. YB is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 3.24
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

Industry RankSector Rank
P/FCF N/A
EV/EBITDA -0.37
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

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 0%

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YUANBAO INC -ADR

NASDAQ:YB (12/22/2025, 3:46:12 PM)

After market: 21.95 +1.8 (+8.93%)

20.15

-0.08 (-0.4%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)12-03 2025-12-03
Earnings (Next)N/A N/A
Inst Owners0.99%
Inst Owner Change1079.48%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap908.37M
Revenue(TTM)4.09B
Net Income(TTM)1.87B
AnalystsN/A
Price TargetN/A
Short Float %4.29%
Short Ratio0.25
Dividend
Industry RankSector Rank
Dividend Yield 0%
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 3.24
Fwd PE N/A
P/S 1.57
P/FCF N/A
P/OCF N/A
P/B 2.14
P/tB 2.18
EV/EBITDA -0.37
EPS(TTM)6.22
EY30.87%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS12.87
BVpS9.44
TBVpS9.23
PEG (NY)N/A
PEG (5Y)N/A
Graham Number36.34
Profitability
Industry RankSector Rank
ROA 43.78%
ROE 62.3%
ROCE 40.24%
ROIC 31.79%
ROICexc N/A
ROICexgc N/A
OM 30.12%
PM (TTM) 45.67%
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 Turnover0.96
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 3.4
Quick Ratio 3.4
Altman-Z 5.71
F-ScoreN/A
WACC7.54%
ROIC/WACC4.22
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%424.2%
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%33.59%
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 2 / 10 to YUANBAO INC -ADR (YB). This can be considered as Overvalued.


What is the profitability of YB stock?

YUANBAO INC -ADR (YB) has a profitability rating of 5 / 10.


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

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