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Upturn AI SWOT - About
Waterdrop Inc ADR (WDH)
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Upturn Advisory Summary
10/15/2025: WDH (1-star) is a SELL. SELL since 3 days. Simulated Profits (7.78%). Updated daily EoD!
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $2.24
1 Year Target Price $2.24
| 3 | Strong Buy |
| 2 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -20.64% | Avg. Invested days 41 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 647.38M USD | Price to earnings Ratio 10.53 | 1Y Target Price 2.24 |
Price to earnings Ratio 10.53 | 1Y Target Price 2.24 | ||
Volume (30-day avg) 5 | Beta -0.23 | 52 Weeks Range 0.94 - 2.15 | Updated Date 10/15/2025 |
52 Weeks Range 0.94 - 2.15 | Updated Date 10/15/2025 | ||
Dividends yield (FY) 3.35% | Basic EPS (TTM) 0.17 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 14.99% | Operating Margin (TTM) 11.62% |
Management Effectiveness
Return on Assets (TTM) 2.51% | Return on Equity (TTM) 8.84% |
Valuation
Trailing PE 10.53 | Forward PE - | Enterprise Value 461005241 | Price to Sales(TTM) 0.22 |
Enterprise Value 461005241 | Price to Sales(TTM) 0.22 | ||
Enterprise Value to Revenue 1.1 | Enterprise Value to EBITDA 12.99 | Shares Outstanding 281472012 | Shares Floating 1348079538 |
Shares Outstanding 281472012 | Shares Floating 1348079538 | ||
Percent Insiders 0.89 | Percent Institutions 5.6 |
Upturn AI SWOT
Waterdrop Inc ADR
Company Overview
History and Background
Waterdrop Inc. was founded in 2016, focusing on providing insurance and healthcare services in China. Initially a crowdfunding platform for medical expenses, it expanded into insurance brokerage and health management. Its journey reflects a shift from philanthropy to a tech-driven insurance and healthcare ecosystem.
Core Business Areas
- Insurance Marketplace: Connects users with insurance products from various providers, earning commissions on sales.
- Medical Crowdfunding: Operates a platform that allows individuals to raise funds for medical expenses.
- Healthcare Services: Offers online doctor consultations, prescription refills, and other health-related services.
Leadership and Structure
The leadership team is headed by Shen Peng, the founder and CEO. The organizational structure is typical of a tech company, with divisions focusing on product development, marketing, operations, and technology.
Top Products and Market Share
Key Offerings
- Insurance Marketplace: This platform offers a range of insurance products, including health, life, and accident coverage. Market share data varies, but Waterdrop claims to be a leading independent insurance marketplace in China. Competitors include ZhongAn Online and other online insurance platforms. It had tens of millions of paying users based on annual reports. Revenue can be extrapolated from user numbers and commission rates, though precise figures are not publicly available consistently.
- Medical Crowdfunding: Waterdrop's crowdfunding platform facilitates fundraising for medical expenses. While Waterdrop pioneered this model in China, exact market share data is difficult to ascertain. This platform serves as a funnel for its insurance business, and user numbers are publicly reported in the tens of millions. Competitors include similar platforms like Tencent Charity.
Market Dynamics
Industry Overview
The online insurance and healthcare market in China is experiencing significant growth, driven by increasing internet penetration, rising healthcare costs, and government support for online healthcare services.
Positioning
Waterdrop Inc. positions itself as a tech-driven insurance and healthcare platform focused on providing affordable and accessible healthcare solutions. Its competitive advantages include its large user base, established brand recognition, and technological capabilities.
Total Addressable Market (TAM)
The TAM for online insurance and healthcare in China is estimated to be hundreds of billions of dollars and is expected to grow substantially in the coming years. Waterdrop is positioned to capture a significant portion of this TAM through its diverse product offerings and large user base.
Upturn SWOT Analysis
Strengths
- Large user base
- Established brand recognition
- Technological capabilities
- Data analytics capabilities
- Diversified product offerings
Weaknesses
- Regulatory risks
- Competition from larger players
- Profitability concerns
- Negative publicity related to crowdfunding practices
- Dependence on third-party insurance providers
Opportunities
- Expansion into new healthcare services
- Partnerships with hospitals and clinics
- Geographic expansion
- Increased adoption of online healthcare
- Technological advancements in AI and big data
Threats
- Increasing competition
- Changing regulations
- Economic slowdown
- Data security risks
- Fluctuations in insurance demand
Competitors and Market Share
Key Competitors
- HLTH
- PINGY
Competitive Landscape
Waterdrop's advantages include its established brand, large user base, and technology platform. Disadvantages include competition from larger players, regulatory risks, and profitability concerns.
Growth Trajectory and Initiatives
Historical Growth: Waterdrop has experienced rapid growth in its early years, fueled by increasing internet penetration and demand for online insurance and healthcare services in China.
Future Projections: Future growth depends on the company's ability to navigate regulatory challenges, compete effectively, and expand into new markets and services. Analyst estimates vary, but generally project continued revenue growth.
Recent Initiatives: Recent strategic initiatives include expanding its healthcare services offerings, strengthening partnerships with insurance companies, and investing in technology and data analytics.
Summary
Waterdrop Inc ADR is a company with potential in the Chinese online insurance and healthcare market, leveraging a large user base and established platform. However, profitability concerns, regulatory risks, and intense competition pose significant challenges. Strategic initiatives focusing on healthcare services expansion and technological advancements are critical. The company should carefully manage its financial health and navigate the evolving regulatory landscape to achieve sustainable growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Financial news sources
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market data is subject to change.
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 3057 | Website https://www.waterdrop-inc.com |
Full time employees 3057 | 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, a clinical trial patient recruitment platform for pharmaceutical companies to find matches for clinical trials. In addition, the company provides technical services to insurance brokerage or agency companies through customer relationship management system. Waterdrop Inc. was founded in 2016 and is headquartered in Beijing, the People's Republic of China.
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