Stocktoria
Waterdrop Inc. WDH
NYSE · XNYS · stock · Insurance Agents, Brokers & Service · website · IPO 2021-05-07
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5/9
Piotroski F — financial health
4.31
Altman Z″ — distress risk · safe
3.3%
Dividend payout · safe
Dividends
Dividend payout3.3%
Paid from FCF60.9%
Safetysafe
| FY | 2025 | 2024 |
|---|---|---|
| Total dividends paid | $18.6M | $21.7M |
Financials & ratios (annual, from 10-K)
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Financials | |||||
| Revenue | $568.8M | $379.7M | $370.5M | $406.2M | $503.1M |
| Operating income | $53.0M | $24.4M | -$950,000 | $69.3M | -$292.3M |
| Net income | $568.9M | $367.5M | $167.2M | $88.1M | -$247.0M |
| Operating cash flow | $34.9M | $59.9M | $57.3M | $111.0M | -$172.1M |
| Free cash flow | $30.6M | $30.0M | $55.4M | $109.3M | -$177.7M |
| Total assets | $1.0B | $884.1M | $866.0M | $858.6M | $823.9M |
| Total liabilities | $278.7M | $216.5M | $207.1M | $167.6M | $200.4M |
| Shareholders' equity | $736.7M | $657.2M | $645.9M | $691.0M | $623.5M |
| Ratios | |||||
| Operating margin | 9.3% | 6.4% | -0.3% | 17.1% | -58.1% |
| Net margin | 100.0% | 96.8% | 45.1% | 21.7% | -49.1% |
| FCF margin | 5.4% | 7.9% | 14.9% | 26.9% | -35.3% |
| Return on assets | 56.0% | 41.6% | 19.3% | 10.3% | -30.0% |
| Return on equity | 77.2% | 55.9% | 25.9% | 12.8% | -39.6% |
| Current ratio | 2.10 | 3.12 | 3.96 | 5.07 | 4.03 |
| Revenue growth | 49.8% | 2.5% | -8.8% | -19.3% | -83.4% |
Notable holders (13F)
| Investor | Shares | Value |
|---|---|---|
| RENAISSANCE TECHNOLOGIES LLC | 57,957 | $93,890 |
Why these scores methodology →
Piotroski F-score: 5/9
- 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″: 4.31 (safe)
- Working capital / assets 0.294
- Retained earnings / assets -0.229
- EBIT / assets 0.052
- Equity / liabilities 2.644
Sector peers
IX · MUFG · MFG · NMR · UNH · CI · all Finance, Insurance & Real Estate →
Source: SEC EDGAR filings · CIK 0001823986 · as of 2025-12-31. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.