YB Fundamental Analysis - YUANBAO INC -ADR

Name: YUANBAO INC -ADR (YB) Stock
Brand: YUANBAO INC -ADR
Rating: 4 (3 reviews)

Fundamental Rating

We assign a fundamental rating of 5 out of 10 to YB. YB was compared to 147 industry peers in the Insurance industry. YB is in great health and has no worries on liquidiy or solvency at all, but the profibility rating is only average. YB is valued correctly, but it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

YB had positive earnings in the past year.

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.

YB has a better Return On Equity (59.88%) than 98.64% of its industry peers.

Looking at the Return On Invested Capital, with a value of 33.48%, YB belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.

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 Rank	Sector 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

1.3 Margins

The Profit Margin of YB (41.15%) is better than 97.96% of its industry peers.

YB's Operating Margin of 29.80% is amongst the best of the industry. YB outperforms 95.92% of its industry peers.

		Industry Rank	Sector 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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so 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.

2.2 Solvency

An Altman-Z score of 5.95 indicates that YB is not in any danger for bankruptcy at the moment.

With an excellent Altman-Z score value of 5.95, YB belongs to the best 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 Rank	Sector Rank
Debt/Equity	0
Debt/FCF	N/A
Altman-Z	5.95

ROIC/WACC4.44

WACC7.54%

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.

Looking at the Current ratio, with a value of 3.07, YB belongs to the top of the industry, outperforming 93.88% of the companies in the same industry.

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 Rank	Sector Rank
Current Ratio	3.07
Quick Ratio	3.07

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

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.

More info and screens

Find the best growth stocks

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4. Valuation

4.1 Price/Earnings Ratio

YB is valuated cheaply with a Price/Earnings ratio of 4.74.

82.31% of the companies in the same industry are more expensive than YB, based on the Price/Earnings ratio.

When comparing the Price/Earnings ratio of YB to the average of the S&P500 Index (26.76), we can say YB is valued rather cheaply.

		Industry Rank	Sector Rank
PE	4.74
Fwd PE	N/A

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, YB is valued cheaply inside the industry as 95.24% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	1.69

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

Show best valued peers

5. Dividend

5.1 Amount

YB does not give a dividend.

		Industry Rank	Sector Rank
Dividend Yield	N/A

More info and screens

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YUANBAO INC -ADR

NASDAQ:YB (10/30/2025, 12:18:42 PM)

23.115

-0.08 (-0.32%)

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 Cap1.04B

Revenue(TTM)3.80B

Net Income(TTM)1.56B

AnalystsN/A

Price TargetN/A

Short Float %0.2%

Short Ratio0.9

Dividend

		Industry Rank	Sector 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 Rank	Sector Rank
PE	4.74
Fwd PE	N/A
P/S	1.95
P/FCF	N/A
P/OCF	N/A
P/B	2.84
P/tB	2.9
EV/EBITDA	1.69

EPS(TTM)4.88

EY21.11%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)N/A

FCFYN/A

OCF(TTM)N/A

OCFYN/A

SpS11.86

BVpS8.15

TBVpS7.97

PEG (NY)N/A

PEG (5Y)N/A

Graham Number29.91

Profitability

		Industry Rank	Sector 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 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	3.07
Quick Ratio	3.07
Altman-Z	5.95

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.

YUANBAO INC -ADR (YB) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

More info and screens

YUANBAO INC -ADR / YB FAQ

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

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

What is the profitability of YB stock?

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