Yuanbao Inc. American Depositary Shares

Yuanbao Inc. American Depositary Shares

YB
Yuanbao Inc. American Depositary SharesUS flagNASDAQ Global Market
11.41
USD
-0.06
- -
87.65MMarket Cap
Yuanbao Inc. American Depositary Shares
YB
(NASDAQ Global Market)

Recent

price

11.41

P/E

ratio

- -

div

yld

- -

ROIC.AI

2021
2022
2023
2024
2025
TTM
FRC
8.55
18.86
45.37
72.86
121.34
111.81
Revenue per Share
-27.02
-9.66
-7.39
9.67
36.28
33.46
Basic EPS, GAAP
-5.5
1.89
9.7
26.71
40.96
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
Dividend per Share
-5.52
-6.95
-7.9
-6.04
12.1
13.68
Book Value per Share
-5.74
-7.17
-8.12
-6.25
11.87
13.34
Tangible Book Value per Share
45
45
45
45
36
45
Basic Weighted Avg Shares
385
850
2,045
3,285
4,373
5,041
Sales/Revenue/Turnover
-104.71
-1.9
8.57
26.14
30.56
32.48
Operating Margin (%)
8
10
16
15
18
- -
Depreciation Expense
-442
19
203
866
1,308
1,509
Net Income, GAAP
- -
- -
0.14
2.87
7.18
12.35
Effective Tax Rate (%)
-114.55
2.21
9.93
26.36
29.9
29.92
Profit Margin (%)
449
518
776
1,732
3,319
3,805
Working Capital
1
14
19
6
1
- -
LT Debt
506
575
854
1,787
3,346
3,783
Total Equity
- -
- -
23.37
60.69
47.26
43.76
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
47.21
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
7
4
2
LT Borrowings
- -
- -
- -
LT Finance Leases
1
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
276
276
276
Market Capitalization
39,182
33,652
28,629

Working Capital

FRC

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
4,458
5,240
5,800
Cash, Cash Equivalents & STI
3,963
4,668
5,136
Accounts Receivable, Net
441
517
616
Inventories
- -
- -
- -
Total Current Liabilities
1,139
1,504
1,995
Payables & Accruals
990
1,417
1,930
ST Debt
7
4
2
Deferred Revenue
64
83
63

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
- -
87.25%
Free Cash Flow
- -
- -
22.57%
Net Income, GAAP
- -
- -
51.01%
Sales/Revenue/Turnover
- -
- -
33.14%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
675
854
867
889
3,285
2025
970
1,070
1,158
1,175
4,373
2026
1,316
1,392
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2.95
4.34
1.46
- -
9.67
2025
6.55
8.46
8.23
7.49
36.28
2026
8.6
9.14
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
Business
Yuanbao Inc. (Nasdaq: YB) is a leading technology-driven online insurance distributor in the People's Republic of China. The company, founded in 2019 and headquartered at Building 2, No. 8 Beichen West Road, Chaoyang District, Beijing, operates through subsidiaries including Yuanbao Insurance Broker (Beijing) Co., Ltd., which holds a nationwide insurance brokerage license. It primarily serves Chinese consumers and insurance carriers via an AI-powered platform featuring a full consumer service cycle engine with over 4,900 interconnected models and 5,500 labels for personalized recommendations, policy management, claims processing, and post-sales services; products encompass short-term medical insurance, critical illness insurance (including innovative short-term options with hybrid lump-sum payment plus multiple reimbursements), accident insurance, life insurance, and other personal life and accident & health (A&H) coverage distributed from 46+ partnered carriers; system services include precise marketing, analytics, and technology solutions to optimize carrier distribution and consumer engagement across all mainland provinces. Yuanbao targets middle-class families seeking affordable, high-value protection in underserved segments, generating revenues from insurance distribution and system services while maintaining nationwide operations. Recent developments include its April 2025 Nasdaq IPO raising $30 million through 2 million American Depositary Shares priced at $15 (with a concurrent $1 million private placement to Qiming Venture Partners), robust Q3 2025 unaudited results showing 33.6% year-over-year revenue growth to RMB1.16 billion driven by 41.8% new policy increase to 8.0 million and AI enhancements like LLM-assisted modeling, and launches of inclusive critical illness products co-developed with carriers.

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