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WDWDH

Waterdrop Inc.

$WDH·$373M·Insurance - Brokers·Financial Services
$1.02-1.0%1Y-46.0%
Price updated 3h ago·X counts updated 1d ago
WDWDH
$WDHWaterdrop Inc.
$1.02-0.97%67 posts1×
AI analysisFundamentalsVoices on X
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On X

The complete picture of $WDH on X — how loud the conversation is right now, how it has trended over the last two weeks, and which way the crowd is leaning.

67X posts · last 7 days
Sep 3Sep 10
Chatter Meter
1×
QuietNormal · 1×Loud

How loud $WDH's conversation on X is versus its own normal — 1× is typical, higher means busier. Right now it's about its usual level.

AI verdictAI analysisGenerated by AI from underlying data

TickerTalks' own read on what's driving $WDH — fundamentals, momentum, or an event — and whether it agrees with the X crowd.

Too early to tellSelling offAI verdict · as of 2026-09-11

Falling on heavy selling — points lower unless it turns around.

Waterdrop is a Chinese online-insurance micro-cap with limited data availability — Q2 revenue +73% and a small cash dividend, but the tape looks like it needs a catalyst to move.

Waterdrop is a Chinese online-insurance and health-services platform with a $373M market cap — trades on limited public visibility, and the stock is sitting near the 52-week low with position at 6% of the range.

  • The Q2 numbers are the operational signal: revenue grew 73% year-over-year on continued platform expansion. The company also declared a cash dividend alongside the earnings release — that's a management confidence signal that the operational trajectory can support ongoing capital return.
  • The valuation is where the deep-value framing lives: 0.63x TTM PE (very low), 0.5x TTM sales, 7% ROIC. The multiples reflect a small-cap Chinese equity with limited US institutional coverage — cheap-for-a-reason numbers, but not a broken business.
  • The financial data has limited visibility given the ADR structure and Chinese-domicile — beta and float are marked as missing in the bundle, reflecting reporting-frequency and disclosure limitations that persist for smaller Chinese-listed names.

The bet is whether Dec 9 Q3 earnings confirms the Q2 revenue trajectory holds plus any additional strategic-partnership commentary. A print with continued 50%+ growth is what breaks this back above $1.50; another quarter of modest growth combined with the continued small-cap-China discount and $0.85 becomes the next real level.

What to watch: Dec 9 Q3 earnings — specifically revenue growth trajectory continuing above 50% and any strategic-partnership commentary. Continued 50%+ growth breaks this back above $1.50; another quarter of modest growth and $0.85 becomes next.

On the calendar: 2026-12-09 — Q3 earnings

float missingbeta missing

Read the AI verdict on $WDH

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • Whether TickerTalks' read agrees with or diverges from the X crowd
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What it does

Plain-English summary of the business — what they sell and how they make money.

Waterdrop 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 Republic of China. The company offers short-term and long-term health and life insurance products and services. It also operates a medical crowdfunding platform; and E-Find, a clinical trial patient recruitment platform for pharmaceutical companies to find matches for clinical trials. In addition, the company provides technical services to insurance brokerage or agency companies through customer relationship management system. Waterdrop Inc. was founded in 2016 and is headquartered in Beijing, the People’s Republic of China.

Industry overviewAI analysisGenerated by AI from underlying data

Where Insurance - Brokers sits in its cycle right now — and what that implies for $WDH.

Insurance - Brokers · Financial Services

Insurance brokers benefit from hard-market pricing driving record commissions; data-analytics capabilities and AI-risk-assessment tools are widening moats vs traditional brokers. M&A consolidation is an ongoing theme.

Top industry ETF

$XLFFinancial Select Sector SPDR
+4.5%YTD
+6.0%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
0.6How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
6.6%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
7.7%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
0.0%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
0.5Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
10.6%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
57.1%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
0.1Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Sep 8, 2026$0.05——
Q1 2026Jun 16, 2026$0.04——
Q4 2025Mar 25, 2026$0.06$0.04+55.4%
Q3 2025Dec 3, 2025$0.06$0.04+58.2%
Next earningsWed, Dec 9

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q2 FY26$1.4B+73.0%62.9%7.7%$3.50—
Q1 FY26$1.2B+63.8%60.8%6.4%$2.70$0
Q4 FY25$1.4B+102.6%52.0%5.9%$4.40$0
Q3 FY25$974.9M+38.4%51.3%11.7%$0.44$0

Forward consensus

3-year forecast · up to 3 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$5.6B$4.0B – $6.5B$0.62$0.54 – $0.673
FY27$7.0B$6.9B – $7.1B$0.73$0.70 – $0.762
FY28$8.4B$8.2B – $8.6B$0.87$0.85 – $0.902

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.1.5×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.6%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.-4.5%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.-32.4%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

3New insider — initial holdingsJul 13
3New insider — initial holdingsMar 303
3New insider — initial holdingsMar 273
3New insider — initial holdingsMar 183
3New insider — initial holdingsMar 173
3/ANew insider — initial holdingsMar 173/A
3/ANew insider — initial holdingsMar 173/A
3/ANew insider — initial holdingsMar 173/A
+ 15 other (9 3s · 5 6-Ks · 1 20-F) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Waterdrop Inc. (WDH) Q2 2026 Earnings Call Transcriptseekingalpha.com·4d agoWaterdrop Q2 Earnings Call Highlightsmarketbeat.com·4d agoWaterdrop Inc. Reports Second Quarter 2026 Unaudited Financial Resultsprnewswire.com·4d agoWaterdrop Inc. Announces Second Quarter 2026 Unaudited Financial Results and a Cash Dividendprnewswire.com·4d agoWaterdrop Inc. to Report Second Quarter 2026 Financial Results on September 8, 2026prnewswire.com·18d ago

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Voices on X · last 7 days

No standout posts about $WDH on X in the last 7 days.

TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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