Yuanbao Inc. American Depositary Shares

Insurance - Diversified · Financial Services

Price

$13.84

-0.15 (-1.07%)

Market Cap

$106.3M

Exchange

NASDAQ

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Share count rising — dilution

+534.1% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 7.5M (2021) → 47.7M (2025)

Yuanbao 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.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+35.6% YoY

YoY Growth Rate

Strong revenue growth

EPS Growth

-79.8% YoY

YoY Growth Rate

Earnings declining

R&D Spend

$365M/ year

↑ Rising (+58% vs prior year)

8.3% of revenue

In line with sector average (7%)

R&D investment increasing — building for the future

Insider Activity

86.1%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Position

Cash flow positive

$4.7B cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Strong grower

Yuanbao Inc. American Depositary Shares is growing revenue at 36% year-over-year. The Winston Score penalises unprofitable companies, but revenue at this pace tells a different story — this is a company still in "build mode."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

95.8%

Premium pricing power — 95.8% gross margin

Operating Margin

33.2%

Excellent — 33.2% operating margin

ROCE

11.7%

Below par — 11.7% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

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Growth

Sales YoY

+31.4%

Fast-growing sales (31.4% YoY)

EPS YoY

+79.6%

Earnings growing fast (79.6% YoY)

Earnings growing 25%+ a year. The compounder zone.

EPS Consistency

4/8 quarters

Earnings inconsistent quarter-to-quarter

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Cash Flow

Cash Conversion

107%

Turns 107% of profit into real cash

FCF Margin

31.4%

Converts sales into free cash efficiently (31.4%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

N/A

Data not available

Interest Cover

100.00x

—

Comfortably covers interest (100.0x)

Interest coverage above 8. Profits cover interest many times over.

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Valuation

P/E Ratio (TTM)

0.1x

Attractive valuation — P/E 0.1

P/E under 10. The price tag is small relative to last year's profit.

P/E vs Forward

-0.4

SLOWING

Earnings expected to fall — forward P/E higher than today

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Dividends

Dividend Yield

8.46%

Healthy income — 8.46% yield

Yield above 6% — often a flag the market is pricing in a cut.

Dividend Growth

N/A

no trend

Data not available

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