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YBYuanbao Inc. American Depositary Shares
$14.90$114M
Overview & Verdict
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YB logoYuanbao Inc. American Depositary Shares(YB)Earnings, Financials & Key Ratios

YB•NASDAQ•Insurance & Managed Care
$14.90
0.9× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryDiversified InsuranceSub-IndustryInsurance brokers and holding companies
AboutYuanbao Inc., through its subsidiaries, provides online insurance distribution and services in the People's Republic of China. The company offers medical, critical illness, life, and other insurance products. It also provides system services, including precise marketing, analytics, and other system services. Yuanbao Inc. was incorporated in 2019 and is headquartered in Beijing, the People's Republic of China.Show more
  • Revenue$3.28B+60.6%
  • Combined Ratio73.86%-19.2%
  • Net Income$866M+326.3%
  • Medical Cost Ratio5.06%-24.9%
  • Operating Margin26.14%+204.9%
  • Net Margin26.36%+165.4%
  • ROA40.27%+157.5%
  • Equity / Assets-58.78%+58.2%

YB Price & Volume

Yuanbao Inc. American Depositary Shares (YB) stock price & volume — 10-year historical chart

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Rapid Revenue Scaling Drives Structural Equity Turnaround

Investment Thesis • Updated 2025Q3

VerdictNeutral
Growth:Expanding
Profitability:Strong
Financial:Healthy
Cash Flow:Robust
Primary Risk:Regulatory commission cap exposure

Key Thesis Takeaways

  • Yuanbao Inc.
  • has demonstrated a significant operational transformation, evidenced by a shift from a negative $2.1 billion equity position in 2023Q4 to a positive $3.0 billion by 2025Q3.
  • While the company has successfully leveraged its digital platform to achieve a 33.6% revenue growth rate in 2025Q3, investors should monitor the sustainability of these margins given potential regulatory commission caps.
  • The company's ability to maintain a 69.4% combined ratio suggests effective cost management, though the lack of active deployment of its $1.0 million investment portfolio warrants further investigation into long-term capital efficiency.

Verdict Logic

while the company shows strong operational momentum with a 69.4% combined ratio, the current valuation of 0.88x P/E TTM may be tempered by regulatory risks and the absence of detailed cash flow data for 2025.

YB Growth Metrics

Yuanbao Inc. American Depositary Shares (YB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years-
5 Years-
3 Years104.25%
TTM78.31%

Profit CAGR

10 Years-
5 Years-
3 Years-
TTM228.92%

EPS CAGR

10 Years-
5 Years-
3 Years-
TTM611.24%

Return on Capital

10 Years1.61%
5 Years1.61%
3 Years27.89%
Last Year63.01%

YB Recent Earnings

Yuanbao Inc. American Depositary Shares (YB) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat Revenue 0/12 qtrs (0%)
Q3 2026Latest
Jun 10, 2026
Metric
Actual
Est
EPS
$1.22
—
Rev
$191M
—
Q2 2026
Mar 18, 2026
Metric
Actual
Est
EPS
$1.05
—
Rev
$168M
—
Q4 2025
Dec 3, 2025
Metric
Actual
Est
EPS
$1.14
—
Rev
$163M
—
Q3 2025
Aug 27, 2025
Metric
Actual
Est
EPS
$0.92
—
Rev
$149M-87.1%
$1.2B
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026LatestJun 10, 2026
$1.22
$191M
Q2 2026Mar 18, 2026
$1.05
$168M
Q4 2025Dec 3, 2025
$1.14
$163M
Q3 2025Aug 27, 2025
$0.92
$149Mvs $1.2B-87.1%
Based on last 12 quarters of dataView full earnings history →

Latest YB News

Recent stock market news and headlines for Yuanbao Inc. American Depositary Shares (YB)

Seeking Alpha·Jun 17, 2026
Yuanbao Inc: Has Enough Going For It To Take It Higher

Yuanbao spent much of the past year going down, but the stock has moved higher more recently, and there is reason to believe this can continue. The Q1 FY2026 report on June 10 had a lot for the bulls, which included a dividend of $1.26 per ADS with room for more. YB seeks to spice up the market for insurance with the use of AI, and the growth YB is experiencing suggests it is having results.

Peers Comparison

Key metrics vs top competitors for Yuanbao Inc. American Depositary Shares (YB)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
YB logoYBYuanbao Inc. American Depositary SharesCurrent
$14.90$114.46M0.8860.6%26.36%——
WDH logoWDHWaterdrop Inc.
$1.21$449.04M0.5639.6%14.98%9.15%—
ACMR logoACMRACM Research, Inc.
$94.66$6.27B69.0915.24%9.48%5.13%—
FINV logoFINVFinVolution Group
$4.71$1.17B3.421.03%18.75%6.05%—
QFIN logoQFINQfin Holdings, Inc.
$14.51$1.89B1.158.83%33.86%24.95%—
LX logoLXLexinFintech Holdings Ltd.
$1.85$312.03M1.37-9.94%11.52%14.68%—

Compare YB vs Peers

Yuanbao Inc. American Depositary Shares (YB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs WDH

Most directly comparable listed peer for YB.

Scale Benchmark

vs BABA

Larger-name benchmark to compare YB against a more recognizable public peer.

Peer Set

Compare Top 5

vs WDH, ACMR, FINV, QFIN

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YB Frequently Asked Questions

Yuanbao Inc. American Depositary Shares (YB) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Yuanbao Inc. American Depositary Shares growing?

Yuanbao Inc. American Depositary Shares (YB) grew revenue by 60.6% over the past year. This is strong growth.

Is YB profitable?

Yes, Yuanbao Inc. American Depositary Shares (YB) is profitable, generating $1.26B in net income for fiscal year 2024 (26.4% net margin).

Industry Metrics
What is Yuanbao Inc. American Depositary Shares's combined ratio?

Yuanbao Inc. American Depositary Shares (YB) has a combined ratio of 73.9%. A ratio below 100% indicates underwriting profitability.

What if you invested $1,000 in YB back in 2021?

Total return calculator · dividends reinvested · 5+ years of data

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