Operates an online platform for insurance distribution in the People's Republic of China. Offers a variety of insurance products, including medical insurance. Now — the numbers.
This is an established company with proven profits.
Average growth of 84% a year over the last 4 years. Red columns mark years that ended in a loss.
If every debt were paid off today, $590.7M would still be left in the vault — a solid cushion for hard times.
The market pays 0.6× for every dollar of annual profit — cheap, which is either an opportunity or a warning.
No analyst target is on record for this company.
The stock trades 55% below its peak. The market has trimmed its expectations for the company.
The net profit margin is 29% — still a thick cushion, though costs have been eating into it lately.
Over the last 4 years, sales grew about 84% a year on average.
There is $591.8M in the vault; even if every debt were paid off, $590.7M would remain.
Since the drop from its peak, buyer appetite hasn’t come back.
Against everything we grade, YB lands somewhere in the middle. The grade moves as the numbers move.
The takeaway: YB is an established business that has proven its profits for years. The real debate isn’t the quality of the business — it’s whether the price paid for the stock is too high.
Not covered, because the filings we hold do not carry it: earnings execution, the revenue breakdown.