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Yuanbao, Inc. Unsponsored ADR
(NASDAQ:YB)
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Rating:82Outperform
Price Target:
$13.00
▼(-6.00% Downside)
Action:Reiterated
Date:09/12/26
The score is driven primarily by strong financial performance (high profitability and robust cash generation, partially offset by prior negative equity history). Valuation is exceptionally attractive on the provided P/E and dividend yield. The latest earnings call was constructive with strong growth and shareholder-return emphasis, while technical indicators remain mixed/soft with weak longer-term trend signals.
Positive Factors
Strong revenue and profit expansion
Sharp multi-year revenue growth and substantial margin expansion indicate that Yuanbao has scaled beyond its earlier loss-making period. Continued profitability provides resources to fund technology, product development and customer acquisition while supporting stronger operating resilience over the next several quarters.
Negative Factors
History of negative shareholders’ equity
The prior period of negative equity indicates material historical balance-sheet volatility and raises questions about the durability of the recent improvement. Although 2025 leverage appears conservative, this record may constrain confidence in capital-structure stability and financial resilience.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong revenue and profit expansion
Sharp multi-year revenue growth and substantial margin expansion indicate that Yuanbao has scaled beyond its earlier loss-making period. Continued profitability provides resources to fund technology, product development and customer acquisition while supporting stronger operating resilience over the next several quarters.
Read all positive factors
Yuanbao, Inc. Unsponsored ADR (YB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$510.82M
Dividend Yield11.36%
Average Volume (3M)36.96K
Price to Earnings (P/E)0.5
Beta (1Y)0.75
Revenue Growth37.34%
EPS Growth-42.10%
CountryUS
Employees613
SectorTechnology
Sector Strength88
IndustryInformation Technology Services
Share Statistics
EPS (TTM)306.72
Shares Outstanding32,391,453
10 Day Avg. Volume26,927
30 Day Avg. Volume36,959
Financial Highlights & Ratios
PEG Ratio-0.05
Price to Book (P/B)1.53
Price to Sales (P/S)1.17
P/FCF Ratio3.46
Enterprise Value/Market Cap-0.05
Enterprise Value/Revenue>-0.01
Enterprise Value/Gross Profit>-0.01
Enterprise Value/Ebitda-0.02
Forecast
1Y Price Target
$15.50Price Target Upside12.08% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)31.84
Revenue Forecast (FY)$5.69B
Yuanbao, Inc. Unsponsored ADR Business Overview & Revenue Model
Company Description
Yuanbao Inc., operating through its subsidiaries, manages an online platform for insurance distribution and various related services throughout the People's Republic of China. The company offers a diverse portfolio of insurance policies, including...
Yuanbao, Inc. Unsponsored ADR Earnings Call Summary
Earnings Call Date:Sep 10, 2026
(Q2-2026)
| % Change Since: |
Next Earnings Date:Dec 09, 2026
Earnings Call Sentiment Positive
The call was strongly positive overall. Yuanbao reported 30.1% revenue growth, 35.6% net income growth, expanding cash reserves, progress on shareholder returns, continued product innovation and measurable AI-driven claims improvements. The main challenges were higher operating expenses and tax expense, some dilution of customer-acquisition ROI from external traffic competition, limited disclosure on the new advertising business and the still-maturing nature and accuracy limitations of AI agents in complex insurance scenarios.Positive Updates
Strong Revenue and Profit Growth
Second-quarter revenue was RMB 1.39 billion, increasing 30.1% year over year. Net income reached RMB 413.2 million, up 35.6% year over year, with a net income margin of 29.7%.
Negative Updates
Higher Operating Costs and Expenses
Total operating costs and expenses increased 21.9% year over year to CNY 941.3 million. Operations and support expenses rose 139.1% to CNY 97.8 million, primarily due to costs associated with the newly launched advertising services.
Read all updates
Q2-2026 Updates
Positive
Negative
Strong Revenue and Profit Growth
Second-quarter revenue was RMB 1.39 billion, increasing 30.1% year over year. Net income reached RMB 413.2 million, up 35.6% year over year, with a net income margin of 29.7%.
Read all positive updates
Company Guidance
Going forward, Yuanbao plans to maintain or grow shareholder dividends, with its future dividend payout ratio range to be assessed based on profitability and approved by the Board of Directors; under the USD 15 million share repurchase program over a 12-month period, it will evaluate whether to expand or adjust the program based on how it is actually executed. The company will continue to prioritize deep, consistent investment in core technology capabilities, with its AI team accounting for over 10% of the total workforce, bring AI agents and multimodal models into end-to-end use across its insurance business, refine its inclusive product matrix including Super Medical Insurance and Complete Guardian, and maintain a disciplined capital allocation strategy balancing existing-business investments, potential new growth opportunities, prudent liquidity management and shareholder return.Yuanbao, Inc. Unsponsored ADR Financial Statement Overview
Summary
Income Statement
88
Very Positive
Balance Sheet
70
Positive
Cash Flow
90
Very Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 4.70B | 4.37B | 3.28B | 2.05B | 850.25M | 385.44M |
| Gross Profit | 4.53B | 4.16B | 3.12B | 1.91B | 787.37M | 322.31M |
| EBITDA | 1.49B | 1.35B | 873.55M | 191.50M | -6.65M | -395.17M |
| Net Income | 1.40B | 1.27B | 865.85M | 203.12M | 18.75M | -441.51M |
Balance Sheet | ||||||
| Total Assets | 5.46B | 4.66B | 2.78B | 1.52B | 1.08B | 790.33M |
| Cash, Cash Equivalents and Short-Term Investments | 4.67B | 3.96B | 2.32B | 1.12B | 641.38M | 577.34M |
| Total Debt | 4.25M | 7.92M | 19.16M | 31.02M | 24.23M | 3.43M |
| Total Liabilities | 1.71B | 1.31B | 4.41B | 3.66B | 2.96B | 2.28B |
| Stockholders Equity | 3.75B | 3.35B | -1.63B | -2.14B | -1.88B | -1.49B |
Cash Flow | ||||||
| Free Cash Flow | 1.48B | 1.48B | 1.20B | 437.33M | 85.28M | -248.14M |
| Operating Cash Flow | 1.50B | 1.50B | 1.21B | 441.97M | 87.72M | -244.99M |
| Investing Cash Flow | -2.72B | -2.72B | -157.57M | -45.26M | -218.93M | -90.44M |
| Financing Cash Flow | 196.84M | 196.84M | -9.11M | 18.05M | 0.00 | 726.37M |
Yuanbao, Inc. Unsponsored ADR Technical Analysis
Negative
13.83
Price Trends
12.60
Negative
13.30
Negative
14.97
Negative
Market Momentum
-0.39
Positive
34.66
Neutral
25.20
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For YB, the sentiment is Negative. The current price of 13.83 is above the 20-day moving average (MA) of 11.82, above the 50-day MA of 12.60, and below the 200-day MA of 14.97, indicating a bearish trend. The MACD of -0.39 indicates Positive momentum. The RSI at 34.66 is Neutral, neither overbought nor oversold. The STOCH value of 25.20 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for YB.
Yuanbao, Inc. Unsponsored ADR Risk Analysis
Yuanbao, Inc. Unsponsored ADR disclosed 99 risk factors in its most recent earnings report. Yuanbao, Inc. Unsponsored ADR reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Yuanbao, Inc. Unsponsored ADR Peers Comparison
UnderperformOutperform
Sector (61)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
82 Outperform | $510.82M | 0.49 | 43.50% | 11.36% | 37.34% | -42.10% | |
81 Outperform | $1.04B | 9.87 | 15.95% | 5.70% | -1.67% | ― | |
73 Outperform | $360.88M | 0.60 | 10.56% | 6.00% | 76.04% | 25.89% | |
61 Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% | |
61 Neutral | $1.64B | 32.27 | -32.52% | 5.56% | 17.74% | 18.77% |
* Technology Sector Average
YB
Yuanbao, Inc. Unsponsored ADR
11.10
-10.33
-48.21%
IGIC
International General Insurance Holdings
24.26
3.52
16.97%
GSHD
GooseHead Insurance
46.30
-23.23
-33.41%
WDH
Waterdrop
1.00
-0.66
-39.58%
Yuanbao, Inc. Unsponsored ADR Corporate Events
Yuanbao Inc. Posts Strong Q2 2026 Growth and Expands AI-Driven Inclusive Health Insurance
Sep 10, 2026
Yuanbao Inc., a leading technology-focused online insurance distributor in China, reported strong unaudited results for the second quarter ended June 30, 2026, with revenues rising 30.1% year over year to RMB1,392.2 million and net income climbing...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.