Waterdrop Inc.
WDHFinancial ServicesNASDAQInsurance - Diversified
Scan Results
Daily timeframeWaterdrop Inc., through its subsidiaries, provides online insurance brokerage services to match and connect users with related insurance products underwritten by insurance companies in the People's. With a market capitalization of $549.7M, it sits in small-cap territory. The company offers short-term and long-term health and life insurance products and services.
Market Cap
$549.7M
Beta
-0.16
P/E (TTM)
6.95
P/E (Fwd)
9.31
EPS (TTM)
$0.22
EPS (Fwd)
$0.16
ROE
11.3%
ROA
3.4%
Cash
$1.01B
Total Debt
$70.5M
Free CF
-$77.6M
52W Change
2.0%
Annual Financials
Cash vs Debt
With $1.01B in cash and $70.5M in debt, WDH maintains more liquidity than leverage. This favorable balance sheet position can be an asset when capital markets become less accommodating. Free cash flow is running at -$77.6M, which bears watching. Negative free cash flow can be acceptable during heavy investment periods but needs to improve over time. Return on equity stands at 11.3%, which is decent for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 3.4% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $2.80B (2022) to $3.98B (2025), reflecting a 42% increase over the period.
The relatively low beta of -0.16 suggests WDH is a less volatile holding compared to the broader index. With cash comfortably exceeding debt, WDH has financial flexibility that may help navigate uncertain periods. Negative free cash flow means the company is currently spending more than it generates, which may require future fundraising or debt if the trend continues. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for Waterdrop Inc. and its sector.