Stocktoria
Waterdrop Inc. WDH
Waterdrop Inc. (WDH) earns a Piotroski F-score of 5/9 (mixed financial health), with an Altman Z″ in the safe zone. It pays a dividend (safety: safe). FY2025 revenue was $568.8M at a 100.0% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 5/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″ components · safe zone
| Component | Value |
|---|---|
| Working capital / assets | 0.294 |
| Retained earnings / assets | -0.229 |
| EBIT / assets | 0.052 |
| Equity / liabilities | 2.644 |
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| WDH | Waterdrop Inc. | 5/9 | 4.31 | — | +49.8% |
| EHTH | eHealth, Inc. | 3/9 | 3.81 | 1.2 | +4.1% |
| LIFE | Ethos Technologies Inc. | 4/9 | 1.8 | 17.3 | +52% |
| GSHD | Goosehead Insurance, Inc. | 5/9 | 0.41 | 60 | +16.2% |
| ZBAO | Zhibao Technology Inc. | 3/9 | -5.62 | — | +50.8% |
| TWFG | TWFG, Inc. | 3/9 | 9.7 | — | +22% |
| HUIZ | Huize Holding Ltd | 5/9 | 0.76 | — | +32.2% |
All Finance, Insurance & Real Estate companies →
About Waterdrop Inc.
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 systems. Waterdrop Inc. was founded in 2016 and is headquartered in Beijing, the People's Republic of China.
FAQ
Is WDH financially healthy?
Waterdrop Inc.'s Piotroski F-score is 5/9 (8–9 is excellent, 0–3 weak), and its Altman Z″ distress score is in the safe zone.
Does WDH pay a dividend, and is it safe?
Yes. Waterdrop Inc. pays a dividend with a 3.3% payout ratio, rated “safe” for safety.
How profitable is WDH?
In FY2025, Waterdrop Inc. had a net margin of 100.0% and a return on equity of 77.2%.
Is WDH overvalued or undervalued?
Waterdrop Inc. trades at about 50.0× trailing earnings — below its 10-year norm (10-year range 82.5×–157.5×, median 119.5×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for WDH?
The average Wall-Street price target for Waterdrop Inc. is $2.10, about 110.2% above the recent price, from 4 analysts (consensus: strong buy).
Is WDH a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on Waterdrop Inc.: a Piotroski F-score of 5/9, an Altman Z″ in the safe zone. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.