Waterdrop stock
WDHNYSEWaterdrop Inc., Financial ServicesISIN US94132V1052
54Score 54 out of 100, Neutral
Price and trend
40 / 100
Price history
−40% in one yearThe chart shows daily closes over 6 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Below the 200-day line: the price is 26% below it.
Since March 2026 the 50-day line has been below the 200-day line; the trend has turned down.
Normal: the price is neither overheated nor sold off (RSI 45).
The price is 49% below its 52-week high. Largest decline in 6 years: 91% (May 2021 to March 2022).
Chart figures for advanced users
- SMA 50$1.02
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$1.35
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)45
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDabove the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$0.97
- The lowest closing price of the last twelve months.
- Resistance$1.95
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Waterdrop Inc. belongs to the Insurance (Brokers) industry (China) and, with a market value of $361.72M, is number 13 of 14 companies in its industry on MEQIRI.
- American depositary receipt (ADR): 1 ADR = 10 shares.
- In fiscal 2025 it reported revenue of $580.06M (up 39.6% year on year) and earnings of $82.96M (up 50.6%).
Show more
- MEQIRI Score 54 out of 100 (Neutral): rank 817 of 976 in Financial Services, median 68.
- The P/E is 4.5 (Insurance (Brokers) median 24.5, own median of recent years 11.7).
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Modestly valuedP/E 4.5, Insurance (Brokers) median 24.5, own median 11.7.Valuation 100
- High dividend yieldDividend yield 6%, Insurance (Brokers) median 1.12%.
- More cash than debtCash $308.74M, financial debt $74.62M.Stability 83
Weaknesses
- Share price fell sharplyDown 40% over the last 12 months.Momentum 18
- DilutionShare count up 12% since 2020.Capital allocation 46
Its standout strengths are valuation and stability, while fundamentals and momentum hold the score back.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
Fundamental quality fluctuates.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk high
How well MEQIRI warnsOne of the 30% with the highest crash risk among smaller stocks.
From 2016 to 2025, 36 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What drives the risk
- price far below its 52-week high
- weak fundamentals
- weak momentum
What lowers it
- price not overheated over the past year
Valuation
Valuation signal
UndervaluedA fair value is not meaningful here, so the signal follows the valuation grade.
Valuation metrics
The model puts the fair value at more than four times the share price. That says more about the assumptions than about the company, so a fair value is not meaningful here and the valuation relies on the P/E and the other metrics.
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Jun 2026, revenue rose 69.4% on the twelve months before. Revenue has grown strongly since 2018, at around 49% per year.
Margins
- Gross margin
- Operating margin
- Net margin
In fiscal 2025: gross 51%, operating 9%, net 14%.
Debt & balance sheet
latest quarterThe balance sheet is solid, with low debt and comfortable interest coverage.
Earnings
- Next earnings
- 9 Dec 2026in 27 days
- Last reported
- 8 Sep 2026
Analyst estimates
Earnings estimates have barely changed since 15 Oct 2026.
- Earnings per share
- 0.71+0.4%
- Revenue
- $851.11M+0.4%
- Earnings per share
- 0.96+0.4%
- Revenue
- $1.04B+0.4%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook confirmed
Share price after the results: 0.0%2026 targets: total revenue growth of more than 40% and operating profit growth of over 10%; no comparison with an earlier forecast is given.
“For full year of 2026, Waterdrop targets more than 40% year over year growth in total revenue and over 10% of growth in operating profit.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 8 Sep 2026 (fiscal Q2 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
No open-market purchases or sales in the last 6 months.
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at Waterdrop
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 54
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Insurance (Brokers)
The next larger and next smaller companies by market value
- Ryan Specialty HoldingsRYAN $5.61B65
- CorVelCRVL $4.24B79
- Neptune Insurance HoldingsNP $3.91B66
- Baldwin Insurance GroupBWIN $2.98B48
- Ethos TechnologiesLIFE $2.45B43
- Goosehead InsuranceGSHD $1.68B70
- CrawfordCRD-A $569.52M63
- TWFGTWFG $348.77M78
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 11 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Currency
- Amounts in US dollars, converted at the ECB reference rate of 11 Nov 2026 ($1 = CN¥6.6707)
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Neutral, published since 7 Nov 2026 (in the score history since 30 Jun 2024)
- Valuation signal Undervalued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.