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Upturn AI SWOT - About
Waterdrop Inc ADR (WDH)
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Upturn Advisory Summary
03/27/2025: WDH (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 59.16% | Avg. Invested days 34 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 416.90M USD | Price to earnings Ratio 11.3 | 1Y Target Price 1.7 |
Price to earnings Ratio 11.3 | 1Y Target Price 1.7 | ||
Volume (30-day avg) 289593 | Beta -0.24 | 52 Weeks Range 0.95 - 1.57 | Updated Date 03/30/2025 |
52 Weeks Range 0.95 - 1.57 | Updated Date 03/30/2025 | ||
Dividends yield (FY) 2.60% | Basic EPS (TTM) 0.1 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-03-12 | When - | Estimate - | Actual 0.0375 |
Profitability
Profit Margin 9.71% | Operating Margin (TTM) 7.74% |
Management Effectiveness
Return on Assets (TTM) 1.29% | Return on Equity (TTM) 5.49% |
Valuation
Trailing PE 11.3 | Forward PE - | Enterprise Value 214439154 | Price to Sales(TTM) 0.19 |
Enterprise Value 214439154 | Price to Sales(TTM) 0.19 | ||
Enterprise Value to Revenue 0.56 | Enterprise Value to EBITDA 8.74 | Shares Outstanding 288750016 | Shares Floating 1430521810 |
Shares Outstanding 288750016 | Shares Floating 1430521810 | ||
Percent Insiders 0.87 | Percent Institutions 3 |
Analyst Ratings
Rating 4.75 | Target Price 1.7 | Buy 1 | Strong Buy 3 |
Buy 1 | Strong Buy 3 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Waterdrop Inc ADR
Company Overview
History and Background
Waterdrop Inc. was founded in 2016 in China. It initially focused on crowdfunding for medical expenses and later expanded into insurance marketplace services. The company aimed to address the lack of access to affordable healthcare and insurance in China.
Core Business Areas
- Insurance Marketplace: Operates an online insurance marketplace connecting users with insurance products from various providers. Facilitates policy selection, comparison, and purchase.
- Crowdfunding: Provides a platform for individuals to raise funds for medical expenses through social networking and donations.
Leadership and Structure
The leadership team is headed by Shen Peng (also known as 'Duck'). The organizational structure comprises functional departments like technology, marketing, sales, and finance.
Top Products and Market Share
Key Offerings
- Health Insurance Products: Offers a range of health insurance products including critical illness insurance, medical insurance, and accident insurance. Competitors include Ping An Insurance, China Life Insurance, and other online insurance platforms. Waterdrop is primarily focused on medical insurance.
- Crowdfunding Platform: Provides a platform for individuals to solicit donations for medical expenses. Competitors include other crowdfunding platforms in China. No market share data is readily available.
Market Dynamics
Industry Overview
The online insurance market in China is experiencing significant growth, driven by increasing internet penetration, rising healthcare costs, and a growing awareness of insurance needs. The crowdfunding market for medical expenses is also evolving, but faces regulatory scrutiny.
Positioning
Waterdrop Inc. aims to be a leading online insurance marketplace in China, focusing on providing affordable and accessible insurance solutions. Its crowdfunding platform complements its insurance offerings by addressing immediate financial needs during medical emergencies.
Total Addressable Market (TAM)
The total addressable market for health insurance in China is estimated to be in the hundreds of billions of USD. Waterdrop is positioning itself to capture a significant share of this growing market by leveraging its online platform and user base.
Upturn SWOT Analysis
Strengths
- Large user base
- Established brand recognition in China
- Integrated crowdfunding and insurance platform
- Strong technology capabilities
Weaknesses
- Regulatory risks in China
- Profitability concerns
- Concentration of revenue in a limited number of products
- Intense competition
Opportunities
- Expanding product offerings
- Penetrating new geographic markets in China
- Strategic partnerships with insurance companies
- Leveraging data analytics for personalized insurance solutions
Threats
- Changes in government regulations
- Increased competition from established players
- Economic downturn impacting consumer spending
- Data security and privacy concerns
Competitors and Market Share
Key Competitors
- PINGAN (PNGAY)
- HLG (China Life Insurance)
- CXSE (Online Insurance Platforms)
Competitive Landscape
Waterdrop Inc. faces intense competition in the online insurance market in China. It needs to differentiate itself through product innovation, technology capabilities, and customer service.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Data Unavailable due to recent delisting. Refer to previously published filings.
Future Projections: Future Projections are uncertain due to regulatory changes and market competition.
Recent Initiatives: Focus on technology enhancements, product diversification, and strengthening partnerships with insurance providers.
Summary
Waterdrop Inc ADR operates in a high-growth market with significant potential, but faces regulatory risks and strong competition. Its strengths lie in its large user base and integrated platform. However, profitability and regulatory uncertainties remain key challenges and must strengthen technology capabilities, and needs to differentiate through product innovation and customer service. Waterdrop ADR has delisted from the NYSE.
Similar Companies
- PNGAY
- HLG
Sources and Disclaimers
Data Sources:
- Company Filings
- Industry Reports
- Analyst Estimates
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Data accuracy is not guaranteed.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Waterdrop Inc ADR
Exchange NYSE | Headquaters - | ||
IPO Launch date 2021-05-07 | Co-Founder, Chairman of the Board & CEO Dr. Peng Shen | ||
Sector Financial Services | Industry Insurance - Diversified | Full time employees - | Website https://www.waterdrop-inc.com |
Full time employees - | Website https://www.waterdrop-inc.com | ||
Waterdrop Inc., through its subsidiaries, provides online insurance brokerage services to match and connect users with related insurance products underwritten by insurance companies in the People's Republic of China. The company offers short-term and long-term health and life insurance products and services. It also operates a medical crowdfunding platform; and E-Find patient recruitment, a digital platform that helps pharmaceutical companies to find matches for clinical trials. Waterdrop Inc. was founded in 2016 and is headquartered in Beijing, the People's Republic of China.
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