Yuanbao (YB) Stock Price, News & Analysis

Company Overview

Our mission is to protect health and well-being through technology. We are a leading technology-driven online insurance distributor in China. We take pride in pioneering the seamless integration of insurance with cutting-edge technologies, and have constructed a highly efficient full consumer service cycle engine. Through this engine, we successfully distribute suitable and high-quality insurance products to over ten million insurance consumers. According to Frost & Sullivan, we were the largest independent insurance distributor in China’s personal life and accident & health (A&H) insurance market in terms of first year premiums in 2023. Our engine enables us to provide customized services for each insurance consumer across personalized recommendation, purchasing, policy management, claim settlements and post-sales services. Built upon a scalable architecture, our engine is equipped with effective predictive capabilities generated from interconnected networks of models. This allows us to continually optimize model outcomes across different media channels, diverse consumer preferences and product depth and breadth. As of December 31, 2024, we had approximately 4,700 models supporting our operations. Our engine offers significant value propositions for insurance consumers and insurance carriers. We act as a unique and efficient gateway to distribute customized insurance products underwritten by our partnered insurance carriers. We have robust collaboration with insurance carriers by empowering them to tailor a variety of flagship insurance products, which in turn enables us to attract and retain a vast consumer base and stimulate their demand for insurance products. By accumulating and analyzing more big data, we gain deeper and wider understanding of consumer demands and behavior. Through all this, we are able to fulfill consumers’ evolving needs and enhance insurance carriers’ sales at the same time. We believe there is substantial untapped market potential for online insurance distribution. According to Frost & Sullivan, the penetration rate of online insurance sales still lags behind the penetration rate of online retail sales. Moreover, the penetration rate of online distribution for personal life and A&H insurance in China, in terms of gross written premium (“GWP”), is anticipated to double over the next five years. Driven by our engine and our market leading position, we are well-positioned to further penetrate this rapidly growing market. Our principal executive offices are located in Beijing, the People’s Republic of China.

Key Stats

• Today's Range: $13.74 to $13.78
• 50-Day Range: $13.25 to $16.84
• 52-Week Range: $12.01 to $30.50
• Volume: 1,658 shs
• Average Volume: 43,542 shs
• Market Capitalization: $611.06 million
• P/E Ratio: 3.27
• Dividend Yield: 9.15%
• Price Target: $21.80
• Consensus Rating: Hold

Yuanbao Stock Analysis - MarketRank™

Yuanbao scored higher than 78% of companies evaluated by MarketBeat, and ranked 292nd out of 861 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: 3.2 / 5
• Analyst Rating: Hold

Consensus Rating

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

Upside Potential

Yuanbao has a consensus price target of $21.80, representing about 60.8% upside from its current price of $13.56.

Amount of Analyst Coverage

Yuanbao has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Yuanbao is 3.27, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 39.66.

Price to Earnings Ratio vs. Sector

The P/E ratio of Yuanbao is 3.27, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 29.25.

Price to Book Value per Share Ratio

Yuanbao has a P/B Ratio of 1.31. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.03% of the float of Yuanbao has been sold short.

Short Interest Ratio / Days to Cover

Yuanbao has a short interest ratio ("days to cover") of 0.49, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Yuanbao has recently increased by 11.03%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Leadership

Yuanbao is a leading dividend payer. It pays a dividend yield of 9.03%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

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

Dividend Coverage

The dividend payout ratio of Yuanbao is 29.95%. This payout ratio is at a healthy, sustainable level, below 75%.

News and Social Media

• Score: 2.7 / 5
• News Sentiment: N/A

News Sentiment

Yuanbao has a news sentiment score of 1.27. 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 0.81 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for Yuanbao this week, compared to 1 article on an average week.

Company Ownership

• Score: N/A
• Insider Trading: N/A

Insider Buying vs. Insider Selling

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

Percentage Held by Institutions

Yuanbao has minimal institutional ownership at this time.

Company Calendar

• Last Earnings: 12/03/2025
• Record date for 7/28 Dividend: 7/02/2026
• Ex-Dividend for 7/28 Dividend: 7/02/2026
• Dividend Payable: 7/28/2026
• Today: 8/13/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Insurance
• Sub-Industry: Insurance Brokers
• Current Symbol: NASDAQ:YB
• Previous Symbol: NASDAQ:YB
• CIK: 1995520
• Web: www.yuanbaobaoxian.cn
• Phone: 86-10-6484-9901
• Fax: N/A
• Employees: 497
• Year Founded: N/A

Price Target and Rating

• Average Price Target for Yuanbao: $21.80
• High Price Target: $21.80
• Low Price Target: $21.80
• Potential Upside/Downside: +60.8%
• Consensus Rating: Hold
• Rating Score (0-4): 2.00
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $4.14
• Trailing P/E Ratio: 3.27
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $181.88 million
• Net Margins: 29.67%
• Pretax Margin: 32.89%
• Return on Equity: 44.37%
• Return on Assets: 30.82%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 3.48
• Quick Ratio: 3.48

Sales & Book Value

• Annual Sales: $625.35 million
• Price / Sales: 0.98
• Cash Flow: $6.30 per share
• Price / Cash Flow: 2.15
• Book Value: $10.32 per share
• Price / Book: 1.31

Miscellaneous

• Outstanding Shares: 45,080,000
• Free Float: N/A
• Market Cap: $611.06 million
• Optionable: N/A
• Beta: 0.43