Waterdrop Inc. American Depositary Shares (each representing the right to receive 10 Class A Ordinary Shares) (WDH) Stock Price

WDHStock

$1.01−43.26%52W

Market Cap$362.89M

P/E3.50x

PEG Ratio—

Div yield4.17%

Beta-0.21

WDH Share Price Chart

Favorite Metrics

Price vs S&P 500 (26W)-50.49%

Price vs S&P 500 (4W)-3.39%

VGM Score56.83

P/E Ratio (Annual)3.50x

Indicated Dividend Yield (Annual)4.17%

P/CF (Annual)8.16x

Book Value / Share (Quarterly)$0.22

P/TBV (Annual)0.92x

Indicated Dividend (Annual)$0.01

Revenue Growth (3Y)12.39%

Price vs S&P 500 (YTD)-58.77%

Gross Margin (TTM)58.52%

Net Profit Margin (TTM)9.42%

EPS (TTM)$0.02

10-Day Avg Trading Volume0.26M

EPS Excl Extra (TTM)$0.02

Revenue Growth (5Y)5.61%

EPS (Annual)$0.02

Dividend / Share (Annual)$0.01

ROI (Annual)10.94%

Gross Margin (Annual)51.15%

Net Profit Margin (5Y Avg)1.30%

Cash / Share (Quarterly)$0.05

P/E Basic Excl Extra (TTM)3.65x

Revenue Growth QoQ (YoY)105.47%

P/E Normalized (Annual)3.50x

ROA (Last FY)8.01%

Revenue Growth TTM (YoY)5.36%

EBITD / Share (TTM)$0.01

ROE (5Y Avg)-0.90%

Operating Margin (TTM)6.71%

Cash Flow / Share (Annual)$0.01

P/B Ratio0.38x

P/B Ratio (Quarterly)0.41x

Net Income / Employee (Annual)$28,165

EV / Revenue (TTM)0.35x

ROA (TTM)7.42%

EPS Growth QoQ (YoY)-9.52%

EV / EBITDA (TTM)5.29x

EPS Incl Extra (Annual)$0.02

Current Ratio (Annual)2.10x

Quick Ratio (Quarterly)2.06x

3-Month Avg Trading Volume0.41M

52-Week Price Return-43.26%

EV / Free Cash Flow (Annual)7.18x

P/E Incl Extra (TTM)3.65x

Revenue / Employee (TTM)$203,071

Tangible BV / Share (Quarterly)$0.21

P/S Ratio (Annual)0.50x

Asset Turnover (Annual)0.56x

52-Week High$0.30

Operating Margin (5Y Avg)-5.11%

EPS Excl Extra (Annual)$0.02

CapEx CAGR (5Y)11.79%

26-Week Price Return-40.59%

Quick Ratio (Annual)2.04x

13-Week Price Return-14.41%

Total Debt / Equity (Annual)0.01x

Current Ratio (Quarterly)2.19x

Enterprise Value$211.76M

Revenue / Share Growth (5Y)6.87%

Asset Turnover (TTM)0.54x

Revenue / Employee (Annual)$196,930

Pretax Margin (Annual)13.66%

Cash / Share (Annual)$0.04

3-Month Return Std Dev29.59%

Gross Margin (5Y Avg)57.80%

Net Income / Employee (TTM)$26,970

ROE (Last FY)11.04%

EPS Basic Excl Extra (Annual)$0.02

Receivables Turnover (TTM)1.79x

Total Debt / Equity (Quarterly)0.09x

EPS Incl Extra (TTM)$0.02

Receivables Turnover (Annual)2.34x

ROI (TTM)10.18%

P/S Ratio (TTM)0.49x

Pretax Margin (5Y Avg)-0.11%

Revenue / Share (Annual)$0.16

Tangible BV / Share (Annual)$0.21

Forward P/E28.58x

Price vs S&P 500 (52W)-58.79%

P/E Ratio (TTM)3.65x

EPS Growth TTM (YoY)21.87%

Year-to-Date Return-46.84%

5-Day Price Return-0.98%

EPS Normalized (Annual)$0.02

ROA (5Y Avg)-0.66%

Net Profit Margin (Annual)14.30%

Month-to-Date Return-0.98%

EBITD / Share (Annual)$0.02

EPS Growth (3Y)0.46%

Operating Margin (Annual)9.32%

ROI (5Y Avg)-1.00%

P/E Excl Extra (TTM)3.65x

EPS Basic Excl Extra (TTM)$0.02

P/TBV (Quarterly)0.42x

Payout Ratio (Annual)22.92%

P/B Ratio (Annual)0.89x

Pretax Margin (TTM)9.18%

Book Value / Share (Annual)$0.21

Price vs S&P 500 (13W)-17.09%

Beta-0.21x

P/FCF (Annual)10.09x

Revenue / Share (TTM)$0.17

ROE (TTM)10.61%

52-Week Low$0.14

vGradeA

gGradeC

mGradeD

vgmGradeC

WDH Earnings Surprise History

Quarter	Report date	EPS estimate	EPS actual	Surprise
Q3 2025	Dec 3, 2025	$0.04	$0.07	+66.73%(+$0.03)
Q2 2025	Sep 4, 2025	$0.04	$0.06	+63.44%(+$0.02)
Q1 2025	Jun 5, 2025	$0.04	$0.04	-6.47%(-$0.00)

WDH Analyst Recommendations

Jun 2026

Jul 2026

Aug 2026

Sep 2026

4.29

Industry Peers — Insurance Agents & Brokers(36)

Symbol	Value Score	Growth Score	Momentum Score	P/B Ratio (Quarterly)	ROE (TTM)	Indicated Dividend Yield (Annual)	Operating Margin (TTM)	Price
WDHWaterdrop Inc. American Depositary Shares (each representing the right to receive 10 Class A Ordinary Shares)	A	C	D	0.4x	10.6%	4.2%	6.7%	$1.01
MRSHMarsh	C	C	B	5.6x	27.1%	2.1%	21.4%	$188.35
AJGArthur J. Gallagher & Co.	D	C	B	2.5x	6.7%	0.9%	17.4%	$254.88
AONAon plc Class A	C	C	C	7.4x	42.6%	0.7%	33.4%	$292.55
WTWWillis Towers Watson Public Limited Company Ordinary Shares	C	C	B	3.2x	19.9%	1.3%	22.5%	$315.49
BROBrown & Brown, Inc.	C	B	C	1.7x	9.6%	0.7%	28.7%	$69.40
EQHEquitable Holdings, Inc.	B	D	B	38.3x	-198.2%	3.0%	17.5%	$53.21
ERIEErie Indemnity Co	C	C	C	5.1x	24.5%	1.6%	17.8%	$243.71
RYANRyan Specialty Holdings, Inc.	D	B	C	19.5x	16.3%	1.2%	14.8%	$40.75
ACTEnact Holdings, Inc. Common Stock	C	D	B	1.2x	12.8%	2.3%	73.1%	$46.28
HGTYHagerty, Inc.	D	C	A	13.6x	8.4%	—	6.2%	$15.30
BWINThe Baldwin Insurance Group, Inc. Class A Common Stock	D	C	B	4.3x	-10.6%	—	-7.5%	$31.91
ARXAccelerant Holdings	D	A	A	3.6x	-186.2%	—	-120.3%	$19.75
NPNeptune Insurance Holdings Inc.	F	C	C	1.8x	-2.9%	5.7%	40.7%	$29.36
CRVLCorvel Corp	D	C	B	7.8x	29.9%	—	15.4%	$79.69
LIFEEthos Technologies Inc. Class A Common Stock	D	C	B	2.4x	-25.8%	—	-436.8%	$37.52
GSHDGoosehead Insurance, Inc. Class A Common Stock	F	B	C	90.7x	58.1%	0.0%	23.3%	$46.40
OIGOrion180 Insurance Group Inc. Class A common stock	D	A	F	1.4x	-138.9%	—	-67.9%	$9.58
CRD.ACrawford & Company Class A	B	D	B	2.9x	13.0%	2.7%	3.9%	$12.53
CRD.BCrawford & Company Class B	B	D	B	2.9x	13.0%	2.7%	3.9%	$12.00
YBYuanbao Inc. American Depositary Shares	A	B	D	1.2x	43.5%	—	32.5%	$11.52
TWFGTWFG, Inc. Common Stock	F	A	B	6.8x	12.7%	—	18.3%	$25.37
XHGXChange TEC.INC American Depositary Shares	—	D	C	—	—	—	-18.1%	$2.00
RDZNRoadzen, Inc. Ordinary Shares	C	B	C	118.3x	-20.3%	—	-21.7%	$1.03
AIFUAIFU Inc. Class A Ordinary Share	D	D	F	1.8x	-231.4%	—	-150.8%	$11.11
SLQTSelectQuote, Inc.	A	D	D	0.2x	10.0%	—	4.0%	$0.32
HITHealth In Tech, Inc. Class A Common Stock	C	C	D	3.4x	-20.9%	—	-16.1%	$0.65
EHTHeHealth, Inc.	A	F	F	0.0x	2.9%	—	10.8%	$0.59
HUIZHuize Holding Limited American Depositary Shares	A	B	B	0.2x	6.4%	—	1.4%	$1.73
CCGCheche Group Inc. Class A Ordinary Shares	A	A	D	1.0x	-18.7%	—	-2.6%	$4.80
ZBAOZhibao Technology Inc. Class A Ordinary Shares	A	A	F	10.0x	-297.7%	—	-11.7%	$0.63
EZRAReliance Global Group, Inc. Common Stock	—	F	D	0.3x	-88.1%	0.0%	-46.3%	$2.28
BMBBamboo Insurance Services, Inc.	—	—	—	—	—	—	—	$0.00
CCGWWCheche Group Inc. Warrant	—	—	C	—	—	—	—	$0.01
CRDCorgi CRDO 2x Daily ETF	—	—	F	—	—	—	—	$9.51
GOCOGoHealth, Inc. Class A Common Stock	B	F	D	0.7x	-220.7%	—	-298.5%	$0.00
RDZNWRoadzen, Inc. Warrants	—	—	F	—	—	—	—	$0.07

About Waterdrop Inc. American Depositary Shares (each representing the right to receive 10 Class A Ordinary Shares)

Waterdrop is a technology-driven insurance and healthcare platform that connects consumers with insurance products and services through partnerships with insurance carriers. The company operates three main businesses: an insurance marketplace offering health and life insurance products, medical crowdfunding to help users manage healthcare expenses, and mutual aid programs. Its platform streamlines the user experience from product selection through underwriting to claims processing.