WDH — Stock Film
STOCK FILMSCENE 1/11WDH · $1.03
Stock Expert AI presents
WDH
Waterdrop Inc
~4 min film100% real numbersplain English
WHAT DOES THIS COMPANY DO?
Waterdrop Inc. What it actually does.

Operates an online insurance brokerage platform. Connects users with insurance products underwritten by insurance companies. Now — the numbers.

on the stock market since 2021
3,018 employees
$372.6M market value
WHERE DOES THE MONEY COME FROM?
98%Technical Service Income
Technical Service IncomeOther Revenues 2%
98% of all revenue comes from a single line: Technical Service Income.

That much dependence is a risk in itself: if this one line weakens, the whole company feels it directly.

Revenue last year:
$577.8M
The net profit left over:
$82.6M
Out of every $100 of revenue, $14 stays as net profit.
THE SLICE THAT TURNS INTO PROFIT: 14%

This is an established company with proven profits.

THE SALES TREND
Sales are moving sideways.

No real growth (5% a year). Red columns mark years that ended in a loss.

$478.7M
2021
2022
2023
2024
$577.8M
2025
THE PRICE TAG
MARKET VALUE / ANNUAL PROFIT
4.5×

The market pays 4.5× for every dollar of annual profit — cheap, which is either an opportunity or a warning.

Against companies in its own sector, it looks cheaper than 99% of them.

Analysts' average target sits 94% above today's price.

INSIDE THE REPORT CARD

We compared this company with its own sector across five subjects.

A score of 50 means class average.

BUSINESS QUALITY
78
strong

Clearly above the class average — a step short of the very top.

FINANCIAL STRENGTH
74
strong

For a bank, strength is measured by capital buffers and reserves — not cash minus debt.

VALUATION
99
very strong

The price looks reasonable next to what the company earns.

GROWTH
100
very strong

This grade is a blend: the profit side is strong, the sales tempo slow.

PRICE MOMENTUM
1
very weak

Clearly below the class average.

WORTH WATCHING

Price Momentum: The stock has lagged the market in recent months; investor interest is weak right now.

THE FIVE-YEAR JOURNEY
A big climb, then a hard fall.

An investor who bought at the very peak is down 69% today. The business is the same; what changed most is the price — and the expectations — the market pins on it.

1
THE BRIGHT SIDE · 1/1
Pays a steady dividend

It pays out $0.06 per share each year — regular cash for whoever holds the stock.

1
THE RISKS · 1/1
The stock has lost its spark

Buyers haven’t stepped back in yet; the price hasn’t found its footing. Report-card grade: 1/100. For a turnaround signal, the stock first needs to close the gap with the market.

FINALE · THE GRADE
B
59 / 100 · MoonshotScore

On our five-subject report card, WDH sits in the middle of the class: some subjects shine, others don’t. The grade moves as the numbers move.

The takeaway: WDH is an established business that has proven its profits for years. The real debate here isn’t the price — it’s whether the company can keep up this pace.

The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.

What would you like to do next?
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This was a film — not investment advice.
Data: FMP & company filings
Sep 11, 2026 · stockexpertai.com · Stock Film