Waterdrop (WDH) Stock Price, News & Analysis

Company Overview

Waterdrop Inc. (NYSE: WDH) is a China-based insurtech and health protection platform that leverages digital technology to connect consumers with insurance and healthcare services. Through its mobile app and online marketplace, Waterdrop offers a range of microinsurance and critical illness products designed to provide affordable coverage for everyday risks. The platform also features crowdfunding channels that enable users to contribute to medical expense relief for individuals facing serious health challenges.

Since its founding in 2016 and headquartered in Shanghai, Waterdrop has grown its partner network to include leading insurance carriers and medical institutions across mainland China. By integrating data analytics and automated underwriting, the company streamlines policy issuance and claims processing, reducing costs and improving user experience. Key offerings include short‐term accident plans, chronic disease coverage, and supplemental critical illness policies, all accessible via a single user interface.

Waterdrop went public on the New York Stock Exchange in mid-2021, marking a milestone in its expansion beyond charitable giving into a full-service digital insurance ecosystem. Its operations focus primarily on the Chinese market, where rising healthcare costs and insurance awareness are driving demand for innovative risk protection solutions. As it continues to enhance its technology platform and forge strategic partnerships, Waterdrop aims to broaden its product suite and deepen its outreach to underserved customer segments.

Key Stats

• Today's Range: $1.76 to $1.81
• 50-Day Range: $1.73 to $1.99
• 52-Week Range: $0.97 to $2.18
• Volume: 246,848 shs
• Average Volume: 459,710 shs
• Market Capitalization: $639.77 million
• P/E Ratio: 10.38
• Dividend Yield: 2.27%
• Price Target: $2.00
• Consensus Rating: Hold

Waterdrop Stock Analysis - MarketRank™

Waterdrop scored higher than 68% of companies evaluated by MarketBeat, and ranked 494th out of 930 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.5 / 5
• Analyst Rating: Hold

Consensus Rating

Waterdrop has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on no buy ratings, 2 hold ratings, and no sell ratings.

Upside Potential

Waterdrop has a consensus price target of $2.00, representing about 13.3% upside from its current price of $1.77.

Amount of Analyst Coverage

Waterdrop has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Waterdrop is 10.38, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 79.38.

Price to Earnings Ratio vs. Sector

The P/E ratio of Waterdrop is 10.38, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 21.18.

Price to Book Value per Share Ratio

Waterdrop has a P/B Ratio of 0.98. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.02% of the float of Waterdrop has been sold short.

Short Interest Ratio / Days to Cover

Waterdrop has a short interest ratio ("days to cover") of 0.1, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Waterdrop has recently decreased by 56.88%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

Waterdrop pays a meaningful dividend of 2.65%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Waterdrop does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Waterdrop is 23.53%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.02% of the float of Waterdrop has been sold short.

Short Interest Ratio / Days to Cover

Waterdrop has a short interest ratio ("days to cover") of 0.1, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Waterdrop has recently decreased by 56.88%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 3.0 / 5
• News Sentiment: 1.46

News Sentiment

Waterdrop has a news sentiment score of 1.46. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.69 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for Waterdrop this week, compared to 2 articles on an average week.

Search Interest

14 people have searched for WDH on MarketBeat in the last 30 days. This is an increase of 133% compared to the previous 30 days.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Waterdrop insiders have not sold or bought any company stock.

Percentage Held by Insiders

24.60% of the stock of Waterdrop is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

Only 1.96% of the stock of Waterdrop is held by institutions.

WDH Stock Analysis - Frequently Asked Questions

How have WDH shares performed this year?

Waterdrop's stock was trading at $1.18 at the beginning of the year. Since then, WDH stock has increased by 49.6% and is now trading at $1.7650.

How were Waterdrop's earnings last quarter?

Waterdrop Inc. Unsponsored ADR (NYSE:WDH) announced its quarterly earnings data on Wednesday, December, 11th. The company reported $0.05 EPS for the quarter. Waterdrop had a trailing twelve-month return on equity of 9.07% and a net margin of 14.77%.
Read the conference call transcript.

When did Waterdrop IPO?

Waterdrop (WDH) raised $330 million in an initial public offering on Friday, May 7th 2021. The company issued 30,000,000 shares at a price of $10.00-$12.00 per share. Goldman Sachs (Asia), Morgan Stanley and BofA Securities acted as the underwriters for the IPO and ABCI, China Merchants Securities (HK), China Renaissance, CLSA, Haitong International, Futu and Tiger Brokers were co-managers.

How do I buy shares of Waterdrop?

Shares of WDH stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Waterdrop own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Waterdrop investors own include Waste Connections (WCN), DiamondRock Hospitality (DRH), iShares Micro-Cap ETF (IWC), The RMR Group (RMR), American Water Works (AWK), AUO (AUOTY) and Triple Flag Precious Metals (TFPM).

Company Calendar

• Last Earnings: 12/11/2024
• Record date for 11/7 Dividend: 10/10/2025
• Ex-Dividend for 11/7 Dividend: 10/10/2025
• Today: 10/22/2025
• Dividend Payable: 11/07/2025
• Next Earnings (Estimated): 12/10/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: INS - MULTI LINE
• Sub-Industry: Insurance
• Current Symbol: NYSE:WDH
• CIK: 1823986
• Web: sdbao.com
• Phone: 86-10-5339-4997
• Fax: N/A
• Employees: 3,057
• Year Founded: 2016

Price Target and Rating

• Average Price Target for Waterdrop: $2.00
• High Price Target: $2.00
• Low Price Target: $2.00
• Potential Upside/Downside: +13.3%
• Consensus Rating: Hold
• Rating Score (0-4): 2.00
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.17
• Trailing P/E Ratio: 10.38
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $50.35 million
• Net Margins: 14.77%
• Pretax Margin: 14.44%
• Return on Equity: 9.07%
• Return on Assets: 6.81%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 2.84
• Quick Ratio: 2.84

Sales & Book Value

• Annual Sales: $379.74 million
• Price / Sales: 1.68
• Cash Flow: $0.14 per share
• Price / Cash Flow: 12.71
• Book Value: $1.81 per share
• Price / Book: 0.98

Miscellaneous

• Outstanding Shares: 362,480,000
• Free Float: 273,308,000
• Market Cap: $639.78 million
• Optionable: Not Optionable
• Beta: -0.25