US · WDH
Waterdrop Inc.
- Sector
- Financial Services · Insurance - Diversified
- Headquarters
- Beijing 100102
- Website
- waterdrop-inc.com
Price · as of 2024-12-31
$1.62
Market cap 647.48M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $0.60 | -62.96% |
| Intrinsic Value(DCF) | $4.84 | +198.77% |
| Graham-Dodd Method(GD) | $1.60 | -1.23% |
| Graham Formula(GF) | $1.90 | +17.28% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | |||||
| 2011 | |||||
| 2012 | |||||
| 2013 | |||||
| 2014 | |||||
| 2015 | |||||
| 2016 | |||||
| 2017 | |||||
| 2018 | |||||
| 2019 | $0.00 | $0.00 | |||
| 2020 | $0.00 | $0.00 | |||
| 2021 | $1.07 | $3.34 | $30.60 | $0.00 | $0.00 |
| 2022 | $2.72 | $7.48 | $1.00 | $2.80 | $0.00 |
| 2023 | $1.11 | $5.43 | $0.78 | $1.80 | $0.10 |
| 2024 | $1.25 | $4.13 | $0.84 | $1.60 | $1.90 |
AI valuation
Our deep-learning model estimates Waterdrop Inc.'s (WDH) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $0.60
- Current price
- $1.62
- AI upside
- -62.96%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$4.84
+198.77% upside
Graham-Dodd
$1.60
-1.23% upside
Graham Formula
$1.90
+17.28% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| WDH | Waterdrop Inc. | $1.62 | 647.48M | +155% | +199% | -1% | +17% | 9.34 | 0.68 | 1.18 | 4.81 | 7.04 | 0.72 | 52.57% | 6.43% | 13.26% | 7.48% | 9.05% | 5.57% | 0.05 | — | 3.12 | 2.65 | -3.87 | 13256.00% | 536.00% | -4432.00% | 6.68% | 0.29 | 11.42% | 4.84% | 45.20% | 24.69% | 5.17 | 4.21 | 0.33 | 1.88 |
| AAME | Atlantic American Corpora… | $2.62 | 53.44M | +2,531% | -45% | +24% | — | -6.64 | 0.28 | 0.15 | -20.63 | -0.92 | 0.29 | 7.63% | -2.80% | -2.27% | -4.13% | -4.74% | -1.10% | 0.38 | -1.54 | 8.84 | 21.37 | -1.48 | 72437.00% | 77.00% | 7998.00% | 16.15% | 1.19 | 5.08% | 2.85% | -18.90% | 24.99% | -5.80 | 6.67 | 0.16 | 0.75 |
| ASRV | AmeriServ Financial, Inc. | $3.80 | 62.78M | +2,076% | +37% | +107% | +12% | 11.24 | 0.55 | 0.71 | 13.35 | 18.16 | 0.62 | 62.41% | 7.69% | 6.35% | 5.04% | 6.29% | 0.39% | 0.70 | 0.23 | 0.04 | 0.04 | 9.73 | 6190.00% | 457.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 28.20% | 13.35 | — | 1.03 | -0.88 |
| BAYA | Bayview Acquisition Corp … | $11.85 | 64.48M | — | — | — | — | 44.48 | 2.15 | — | -76.31 | 2.16 | 2.15 | 0.00% | — | — | 3.70% | -2.17% | 3.49% | 0.01 | — | 0.10 | 0.07 | -0.40 | 206216.00% | — | 1098136.00% | -0.63% | -0.38 | -1.03% | 0.00% | 0.00% | 30.53% | -76.31 | -160.39 | — | 13.60 |
| BOTJ | Bank of the James Financi… | $19.92 | 90.5M | +1,422% | +296% | +36% | +38% | 9.67 | 1.09 | 1.40 | 1.04 | 70.50 | 1.21 | 77.90% | 23.81% | 14.43% | 12.45% | 48.27% | 0.89% | 0.11 | 1.07 | 0.66 | 0.66 | -6.79 | 1371.00% | 601.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 82.24% | 0.78 | — | 0.18 | 0.18 |
| CASH | Pathward Financial, Inc. | $90.79 | 2.03B | -43% | +14% | -33% | -9% | 9.31 | 2.03 | 2.54 | 2.43 | 100.03 | 3.17 | 90.02% | 32.55% | 27.13% | 22.00% | -44.35% | 2.54% | 0.05 | 19.23 | 0.22 | 0.22 | -0.28 | 931.00% | 244.00% | 3383.00% | 13.61% | 0.08 | -56.17% | 0.27% | 2.50% | 28.64% | 3.08 | 2.91 | 1.00 | -0.34 |
| CLST | Catalyst Bancorp, Inc. | $16.50 | 67.88M | +2,412% | +212% | +50% | +104% | 29.85 | 0.75 | 3.99 | 30.34 | — | 0.75 | 72.84% | 16.32% | 13.38% | 2.53% | 2.89% | 0.73% | 0.18 | 0.61 | 0.36 | 0.00 | 5.88 | -17179.00% | 5533.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 30.34 | — | 4.95 | 0.32 |
| CPBI | Central Plains Bancshares… | $17.77 | 74.73M | +399% | -18% | +50% | +19% | 15.50 | 0.68 | 2.07 | -5.34 | — | 0.68 | 69.19% | 16.56% | 13.38% | 4.52% | 10.49% | 0.75% | 0.00 | 0.55 | — | — | -6.34 | -1233.00% | 1468.00% | -18950.00% | -5.42% | — | -8.81% | 0.00% | 0.00% | 31.68% | -5.34 | 7.88 | -0.88 | 0.30 |
| HFBL | Home Federal Bancorp, Inc… | $19.02 | 58.46M | +52% | +68% | -19% | -64% | — | 0.75 | 1.27 | -1.06 | — | 0.80 | 63.92% | 14.39% | 12.02% | 0.00% | 30.94% | 0.00% | 0.07 | 0.39 | 0.93 | 0.93 | -2.22 | 769.00% | -288.00% | -157446.00% | 13.17% | 0.01 | 43.18% | 3.95% | — | 18.94% | -1.38 | -1.18 | -0.20 | 0.09 |
| UBCP | United Bancorp, Inc. | $14.90 | 86.03M | +1,669% | +411% | +34% | +50% | 10.65 | 1.17 | 1.74 | 3.90 | 193.30 | 1.17 | 67.36% | 17.41% | 16.32% | 11.57% | 19.18% | 0.93% | 0.00 | 0.55 | — | — | -5.02 | 551.00% | 799.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 192.65% | 4.36 | — | 0.76 | 0.29 |
About Waterdrop Inc.
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 health and long-term health and life insurance products and services. It also operates a medical crowdfunding platform. The company was founded in 2016 and is headquartered in Beijing, the People's Republic of China.
- CEO
- Peng Shen
- Employees
- 3.06K
- Beta
- -0.25
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($4.84 ÷ $1.62) − 1 = +198.77% (DCF, example).