Waterdrop Inc. (WDH) Stock Price & Analysis
Waterdrop Inc. (WDH) — MoonshotScore 61/100 (Fair band), calculated Oct 26, 2026. Price $0.9998 (-1.98%), as of the Oct 26, 2026 trading session; market cap $362M.
Educational signal · not a buy or sell recommendation · How to read this
Waterdrop Inc. · WDH · NYSE
Waterdrop Inc. operates an online insurance brokerage and medical crowdfunding platform in China. The company connects users with insurance products and provides a platform for individuals to raise funds for medical expenses.
Price as of Oct 26, 2026
Key Statistics
MoonshotScore v2 · Waterdrop (WDH)
FairWhy this rating? Method, drivers & history
Bands for the MoonshotScore: Exceptional 80-100 · Strong 65-79 · Fair 45-64 · Weak below 45.
- Business Quality — Is this a genuinely good business?
- Financial Safety — Could this blow up on me?
- Valuation — Am I paying a fair price?
- Growth Durability — Is the growth real and likely to last?
- Momentum — Is the market already moving on this?
High quality, a strong balance sheet and elite growth, at a dirt-cheap price, with no real weak spot, and the price trend has turned against it. The score also carries a risk penalty for reported profit not backed by cash flow. Business Quality: Solid; Financial Safety: Sound; Valuation: Cheap; Growth Durability: Compounding; Momentum: Falling.
- quarterly revenue $218M (Q2 FY2026, quarter ended Jun 2026)
- EPS beat 4 of 8
- Altman Z 1.57 · Piotroski F 5
Holding back: weak price trend
Helping: business quality, balance-sheet strength, an attractive price, durable growth
What has the MoonshotScore done over time?
| Recorded | Score | Band |
|---|---|---|
| 61 | Fair | |
| 60 | Fair | |
| 60 | Fair | |
| 60 | Fair | |
| 61 | Fair | |
| 61 | Fair |
The score was 61 in the stored Oct 24, 2026 snapshot and remains 61 in the current publication computed Oct 26, 2026 (0).
Calculation uses the most recent completed US trading session. Live price changes do not update the score immediately.
Computed · Educational signal · not a buy or sell recommendation · How the MoonshotScore is computed →
Price & valuation
| Measure | Value |
|---|---|
| Latest provided price | $0.9998 |
| Change on the day | -1.98% |
| 52-week range | $0.96 – $2.03 |
| Market capitalisation | $362M |
| Price / earnings (trailing) | 0.62 |
| Shares traded on the day | 214.0K |
Price & events
Other perspectives
Council score for Waterdrop (WDH): perspectives
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
5-Factor Breakdown
Legends Council
3 lenses, 0 current
AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Read on: Oct 18, 2026 · older than the 27 hours refresh window; not a current reading
Munger's Mindset
Balance Sheet & Valuation · historical
Read on: Oct 18, 2026 · older than the 27 hours refresh window; not a current reading
How to read these bars and different assessments
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
Bars show each model's ordered assessment on its own scale, not a probability or a comparable investment return. The adjacent words give the assessment; more filled segments indicate a stronger model reading.
On Oct 18, 2026, the Munger lens read the price at that time as fairly valued against its own estimate of value.
Readings on this page are from Oct 27, 2026, except a card that shows its own read date.
Watch the WDH film — every key number, told as a short cinematic story
~2 min · open the film
What is Waterdrop (WDH), and what does it report?
Short answer · as of
A current FMP business description is unavailable; the listing and provider classification below are the available identity facts. Waterdrop Inc. (WDH) is listed on NYSE. It employs 3,018 people and is led by Peng Shen. In Q2 FY2026 it reported revenue of $218M and net income of $19M. The market values it at $362M.
What do the latest results show for Waterdrop (WDH)?
Short answer · as of
The most recent reported quarter, Q2 FY2026, carried revenue of $218M. Against analyst estimates the company has EPS beat 4 of 8 reports.
Quarterly income statement — 4 quarters
| Period | Revenue | Net income | EPS |
|---|---|---|---|
| Q2 FY2026 | $218M | $19M | $0.51 (diluted) |
| Q1 FY2026 | $185M | $15M | $0.40 (diluted) |
| Q4 FY2025 | $209M | $24M | $0.65 (diluted) |
| Q3 FY2025 | $146M | $24M | $0.06 (diluted) |
What are the financial strengths and risks for Waterdrop (WDH)?
Short answer
The MoonshotScore pillars rate business quality, balance-sheet strength, an attractive price, durable growth as strengths. What is holding it back is weak price trend. The distress and quality screens read Altman Z 1.57 · Piotroski F 5. Trailing ratios: ROE 10.6% · ROA 6.9% · current ratio 2.19.
Data-derived red flags
- Listing risk — at $0.9998 the shares sit below the $1.00 minimum bid NYSE requires for continued listing.
- Financial-distress signal — its Altman Z-Score of 1.57 sits in the distress zone (elevated bankruptcy risk).
What should you watch next at Waterdrop (WDH)?
Short answer · as of
The stored analyst-target capture is expired, so a current target watchpoint is unavailable.
What the records here don't tell us
- No forward revenue or earnings estimate is on file.
- The next earnings date is not yet scheduled in the calendar we read.
- No insider Form 4 transaction falls inside the window this page reads.
Checked against the records this page reads, on the dates shown above.
How does Waterdrop compare with its peers?
Short answer
Waterdrop's score ranks 8th of 13 in the bounded comparison shown, against 12 same-model peers. These are company scores, not expected investment returns. The set lists named competitors first, then companies in the same data-provider industry classification closest in market value; that classification is the provider's, not our judgment of business similarity.
| Company | Price | Market value | Score |
|---|---|---|---|
| $194.72 Oct 26, 2026 | $92.9B | 91 5-pillar Oct 26, 2026 | |
| $324.67 Oct 26, 2026 | $30.2B | 90 5-pillar Oct 26, 2026 | |
| $251.30 Oct 26, 2026 | $11.6B | 83 5-pillar Oct 26, 2026 | |
| $29.03 Oct 26, 2026 | $374M | 82 5-pillar Oct 26, 2026 | |
| $302.06 Oct 26, 2026 | $64.4B | 77 5-pillar Oct 26, 2026 | |
| $71.08 Oct 26, 2026 | $23.8B | 75 5-pillar Oct 26, 2026 | |
| $266.79 Oct 26, 2026 | $68.4B | 67 5-pillar Oct 26, 2026 | |
| Waterdrop (WDH) — this page | $0.9998 | $362M | 61 |
| $84.59 Oct 26, 2026 | $4.27B | 52 5-pillar Oct 26, 2026 | |
| $2.06 Oct 26, 2026 | — | 52 5-pillar Oct 26, 2026 | |
| $0.33 Oct 26, 2026 | $58.6M | 47 5-pillar Oct 26, 2026 | |
| $0.53 Oct 26, 2026 | $16.9M | 41 5-pillar Oct 26, 2026 | |
| $31.99 Oct 26, 2026 | $2.59B | 28 5-pillar Oct 26, 2026 |
Only 5-pillar scores are ranked together. Other models are not directly comparable. Price and score dates are shown separately; market-value dates are unavailable.
The records behind this page
Analyst targets & estimates
What analysts have on file
- Last captured analyst target range, low to high (expired, captured Sep 29, 2026)
- $2.00 – $2.00
- Last captured analyst target (expired, captured Sep 29, 2026)
- $2.00
- Last captured median analyst target (expired, captured Sep 29, 2026)
- $2.00
Historical target record · Captured · Capture expired; not a current watchpoint.
What has been published about Waterdrop (WDH)?
What Investors Ask About Waterdrop (WDH)
These answers are editorial: 1 of these 9 answers is drawn from the WDH research dossier (written May 10, 2026 by gemini-2.0-flash); the other 8 are question templates that restate figures shown above. Figures in this section are not part of the source register.
What does the MoonshotScore mean for WDH?
WDH carries the MoonshotScore stated above — the Fair band. This is an educational research signal, not a buy or sell recommendation. The number comes from the five-pillar engine (business quality, financial safety, valuation, growth durability, momentum), re-ranked daily against sector peers. Waterdrop Inc. operates an online insurance brokerage and medical crowdfunding platform in China.
Is WDH a good stock to buy?
Stock Expert AI does not rate WDH buy, sell or hold. Waterdrop Inc. carries a MoonshotScore, in the Fair band, a research rating against its peers rather than a forecast. Whether it fits is your call: check what it sells, whether it earns and what the price assumes. This is educational content, not investment advice.
What is the WDH stock price today?
The last price recorded on this page for Waterdrop Inc. (WDH) is $0.9998, as of the Oct 26, 2026 trading session (source: Financial Modeling Prep (FMP) · quote). It is a provider snapshot, not a live exchange feed, so check a brokerage quote before you trade.
What is the WDH price target?
The last analyst consensus price target we captured for Waterdrop Inc. (WDH) was $2.00 (range $2.00 to $2.00, median $2.00), from FMP on Sep 29, 2026. That capture has expired, so read it as historical, not as a current target. Targets are analyst opinions, not a Stock Expert AI forecast.
What do analysts say about WDH stock?
Analyst coverage of Waterdrop Inc. (WDH) is limited, but the general sentiment is cautiously optimistic. Key valuation metrics suggest that the company is currently undervalued, but growth prospects are tempered by regulatory uncertainty and competitive pressures. Investors should conduct their own due diligence and consider their risk tolerance before investing in WDH stock.
What are the key factors to evaluate for WDH?
Waterdrop Inc. (WDH) holds a MoonshotScore in the moderate range. P/E: 0.62x. The implementation of AI can lead to significant cost savings and revenue enhancements in the long term. Not financial advice.
How frequently does WDH data refresh on this page?
WDH's price is the last quote we recorded, from the Oct 26, 2026 trading session. Pages are served from a cache, so the copy you are reading can lag that quote. The quote is a provider snapshot, not an exchange feed. Fundamentals follow quarterly filings. V2 is recalculated from the most recent completed US trading session; the score's own date shows its last successful run.
What has driven WDH's recent stock price performance?
Waterdrop Inc. (WDH) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Established online presence in China. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider WDH overvalued or undervalued right now?
Waterdrop Inc. (WDH) trades at 0.62x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Machine-generated analysis by Stock Expert AI — model gemini-2.0-flash, generated May 10, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief.
Sources — records for every figure on this page (20 figures)
The 20 rows below are exactly the facts the evidence-backed sections of this page printed — the 10-second verdict, the MoonshotScore, price and market value, the five questions with their receipts, and the records behind this page. Known dates and sources are recorded on their own rows; an em dash or UNRECORDED tier preserves a stored observation without inventing either. The quarterly income statement is provider-standardized (FMP) under one row, and scale definitions — a 0-100 rating, the band ladder, the Piotroski 0–9 range — are fixed rather than measured. No number in those sections was generated by a model. The register does not cover quoted third-party headlines, the dated council readings, or the Frequently Asked Questions; each of those says where it came from where it stands.
"As of" is the date the value is true for where the source carries one — a quarter end, a filing date, a price close, the day the score was computed. A cached observation with no source date remains undated; the page publication date is not used as a substitute.
FMP — 12 facts from Financial Modeling Prep endpoint families
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
px.last | Latest provided price | $0.9998 | FMP | Financial Modeling Prep (FMP) · quote — Dated to the US trading session the price belongs to, derived from the quote record's timestamp (weekend and pre-open reads roll back to the previous weekday; exchange holidays are not modelled). The record does not establish an exchange execution time. Retrieved 2026-10-26T14:04:38.329Z. | |
px.change | Change on the day | -1.98% | FMP | Financial Modeling Prep (FMP) · quote | |
px.mcap | Market capitalisation | $362M | FMP | Financial Modeling Prep (FMP) · quote — Date unknown Market cap record date: 2026-10-26. FMP quote timestamp: 2026-10-26T14:00:04.000Z. Captured from FMP at 2026-10-26T14:04:37.314Z. No share-count basis is inferred; this page preserves the reported amount instead of recalculating it from shares. | |
px.change_abs | Change on the day, in dollars | −$0.0202 | FMP | Financial Modeling Prep (FMP) · quote | |
fin.q_revenue | Revenue, Q2 FY2026 | $218M | FMP | Financial Modeling Prep (FMP) · income statement (quarterly) | |
px.pe | Price / earnings (trailing) | 0.62 | FMP | Financial Modeling Prep (FMP) · quote | |
px.volume | Shares traded on the day | 214.0K | FMP | Financial Modeling Prep (FMP) · quote | |
fin.q_income | Net income, Q2 FY2026 | $19M | FMP | Financial Modeling Prep (FMP) · income statement (quarterly) | |
fin.q_table | Quarterly income statement | 4 quarters through Q2 FY2026 | FMP | Financial Modeling Prep (FMP) · income statement (quarterly), as filed | |
earn.pt_range | Last captured analyst target range, low to high (expired, captured Sep 29, 2026) | $2.00 – $2.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Sep 29, 2026 · Coverage not supplied · Capture expired | |
earn.pt_consensus | Last captured analyst target (expired, captured Sep 29, 2026) | $2.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Sep 29, 2026 · Coverage not supplied · Capture expired | |
earn.pt_median | Last captured median analyst target (expired, captured Sep 29, 2026) | $2.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Sep 29, 2026 · Coverage not supplied · Capture expired |
UNRECORDED — 6 facts from stored observations whose source was not recorded
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.history | Reported versus estimated, recent quarters | EPS beat 4 of 8 | UNRECORDED | Stored earnings-history observation — Captured 2026-10-16 · Expired observation | |
fin.scores | Distress and quality screens | Altman Z 1.57 · Piotroski F 5 | UNRECORDED | Stored financial-scores observation — Captured 2026-10-25 · Expired observation | |
px.range52 | 52-week range | $0.96 – $2.03 | UNRECORDED | Stored company-profile observation — Captured 2026-10-26 | |
id.employees | Employees | 3,018 | UNRECORDED | Stored company-profile observation — Captured 2026-10-26 | |
id.ceo | Chief executive | Peng Shen | UNRECORDED | Stored company-profile observation — Captured 2026-10-26 | |
fin.ratios | Return and yield ratios (trailing twelve months) | ROE 10.6% · ROA 6.9% · current ratio 2.19 | — | UNRECORDED | Stored key metrics — Date unknown |
OURS — 2 facts from Stock Expert AI's own score and rank
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
ours.moonshot | MoonshotScore v2 | 61 of 100 · Fair · pillars 78 / 73 / 99 / 100 / 3 | OURS | Stock Expert AI MoonshotScore v2 engine | |
ours.moonshot_change | MoonshotScore movement | 61 (stored snapshot Oct 24, 2026) → 61 (current publication computed Oct 26, 2026) (0) | OURS | Stock Expert AI current score publication and immutable score snapshots |
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