Yuanbao, Inc. Unsponsored ADR (YB)
NASDAQ:YB
Earnings Data
Report Date
Jun 04, 2026Before Open (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
―Last Year’s EPS
2.46Same Quarter Last Year
Based on 1 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presents a predominantly positive picture with strong top-line growth (Q4 +32.2%, FY +33.1%), improved full-year profitability (net income +51% YoY, margin +3.5 pp), a solid cash position (+72.9% YoY) and substantial AI/R&D investment supporting scalable product and operational gains. Key challenges include sharply higher selling & marketing spend, rising operating costs, limited disclosure on user retention breakdown and lack of explicit 2026 guidance or dividend timeline. Overall, the positive financial momentum and technology-led competitive positioning outweigh the noted risks.Company Guidance
Strong Quarterly Revenue Growth
Total revenues for Q4 2025 were RMB 1.18 billion, a year-over-year increase of 32.2% driven by both insurance distribution and system services.
Robust Full-Year Revenue Expansion
Full year 2025 total revenues reached RMB 4.37 billion, up 33.1% year-over-year, validating sustained top-line momentum.
Significant Profitability and Margin Expansion
Q4 net income was RMB 337.4 million, up 15.4% YoY with a net margin of 28.7%; full-year net income was RMB 1.31 billion, up 51% YoY with net margin improving by 3.5 percentage points to 29.9% — company achieved profitability for 14 consecutive quarters.
Healthy Cash Position and Operating Cash Flow
Cash reserves were RMB 4.04 billion at year-end (up 72.9% YoY and 7.7% QoQ). Operating cash flow was RMB 290.7 million in Q4 and RMB 1.5 billion for the full year 2025.
Strong Product and Sales Momentum
New policies in Q4 were approximately 7.9 million (+34.5% YoY); full year new policies were ~30.7 million (+36.7% YoY), indicating strong customer acquisition.
Balanced Revenue Mix with Double-Digit Growth
Q4 insurance distribution revenue was RMB 401.1 million (+35.1% YoY) and system services were RMB 774.1 million (+31.1% YoY). Full-year distribution was RMB 1.45 billion (+33.8%) and system services RMB 2.92 billion (+33.2%).
Increased Investment in AI and R&D
R&D expenses grew 39.1% YoY in Q4 to RMB 111.7 million and 58.0% YoY for the full year to RMB 365.1 million. AI team now accounts for over 10% of workforce; model network exceeds 4,900 models and 5,700 labels, supporting widespread deployment across presales, post-sales and claims.
Operational Efficiency Improvements in Key Areas
Operations and support expenses decreased 13.7% YoY in Q4 to RMB 36.7 million; G&A decreased 22.5% YoY in Q4 to RMB 79.6 million, reflecting improved operating leverage and cost control.
YB Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
YB Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Mar 18, 2026 | $19.46 | $19.47 | +0.05% |
Dec 03, 2025 | $20.65 | $22.73 | +10.07% |
Aug 27, 2025 | $29.92 | $26.32 | -12.03% |
Jun 05, 2025 | $15.45 | $15.10 | -2.27% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Yuanbao, Inc. Unsponsored ADR (YB) report earnings?
Yuanbao, Inc. Unsponsored ADR (YB) is schdueled to report earning on Jun 04, 2026, Before Open (Confirmed).
What is Yuanbao, Inc. Unsponsored ADR (YB) earnings time?
Yuanbao, Inc. Unsponsored ADR (YB) earnings time is at Jun 04, 2026, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
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What companies are reporting earnings today?
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What is YB EPS forecast?
Currently, no data Available