Yuanbao, Inc. Unsponsored ADR (YB)
NASDAQ:YB
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Yuanbao, Inc. Unsponsored ADR
(NASDAQ:YB)
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Rating:75Outperform
Price Target:
$21.50
▲(7.88% Upside)
Action:Reiterated
Date:12/09/25
Yuanbao, Inc. demonstrates strong financial performance and strategic growth, particularly in AI and product innovation, contributing to a high earnings call score. The stock's undervaluation adds to its attractiveness. However, financial instability on the balance sheet and potential regulatory and competitive challenges temper the overall score.
Positive Factors
Sustained Revenue Growth
Consistent high single-digit to double-digit top-line expansion demonstrates durable demand for Yuanbao's digital insurance and system services. Growth at scale supports reinvestment, network effects in marketing products, and improves leverage on fixed costs, making future margin expansion more sustainable if execution continues.
Negative Factors
Negative Shareholders' Equity
Negative equity is a structural balance-sheet weakness that limits conventional leverage metrics and may constrain access to certain funding sources. It heightens investor and creditor scrutiny, reduces financial flexibility for large investments, and could force dilutive capital raises if cash generation weakens.
Read all positive and negative factors
Positive Factors
Negative Factors
Sustained Revenue Growth
Consistent high single-digit to double-digit top-line expansion demonstrates durable demand for Yuanbao's digital insurance and system services. Growth at scale supports reinvestment, network effects in marketing products, and improves leverage on fixed costs, making future margin expansion more sustainable if execution continues.
Read all positive factors
Yuanbao, Inc. Unsponsored ADR (YB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$656.64M
Dividend YieldN/A
Average Volume (3M)57.51K
Price to Earnings (P/E)0.6
Beta (1Y)0.70
Revenue GrowthN/A
EPS GrowthN/A
CountryUS
Employees497
SectorTechnology
Sector Strength88
IndustryInsurance - Diversified
Share Statistics
EPS (TTM)338.81
Shares Outstanding31,391,450
10 Day Avg. Volume42,468
30 Day Avg. Volume57,514
Financial Highlights & Ratios
PEG Ratio>-0.01
Price to Book (P/B)-0.54
Price to Sales (P/S)0.27
P/FCF Ratio0.73
Enterprise Value/Market Cap-0.17
Enterprise Value/Revenue-0.03
Enterprise Value/Gross Profit-0.03
Enterprise Value/Ebitda-0.09
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)31.43
Revenue Forecast (FY)$5.43B
Yuanbao, Inc. Unsponsored ADR Business Overview & Revenue Model
Company Description
Yuanbao, Inc. Unsponsored ADR (YB) operates primarily in the fintech sector, focusing on providing innovative financial solutions and services aimed at enhancing digital transactions and investment opportunities. The company leverages technology t...
How the Company Makes Money
Yuanbao, Inc. generates revenue through multiple streams, including transaction fees from its digital wallet and payment processing services, subscription fees for premium features on its investment platforms, and partnerships with financial insti...
Yuanbao, Inc. Unsponsored ADR Earnings Call Summary
Earnings Call Date:Mar 18, 2026
(Q4-2025)
| % Change Since: |
Next Earnings Date:Jun 04, 2026
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.Positive Updates
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.
Negative Updates
Rising Selling & Marketing Spend
Selling and marketing expenses increased 47.7% YoY in Q4 to RMB 552.3 million and rose 23.9% YoY for the full year to RMB 2.22 billion, indicating heavy investment in acquisition that could pressure margins if efficiency weakens.
Read all updates
Q4-2025 Updates
Positive
Negative
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.
Read all positive updates
Company Guidance
Management offered no specific 2026 numeric guidance but said it expects to maintain revenue and net‑profit growth momentum next year while balancing growth and profitability, keeping selling & marketing expense roughly stable as a percentage of revenue with only a modest upside risk, and continuing to evaluate shareholder returns (no dividend timeline given); as context the company closed FY2025 with Q4 revenue of RMB 1.18 billion (+32.2% YoY) and FY revenue of RMB 4.37 billion (+33.1%), Q4 net income RMB 337.4 million (+15.4%) and FY net income RMB 1.31 billion (+51%) with Q4/FY net margins of 28.7% and 29.9% (FY +3.5 ppt), non‑GAAP net income of RMB 354.5 million (Q4, 30.2% margin) and RMB 1.38 billion (FY, 31.6% margin), cash of RMB 4.04 billion (up 72.9% YoY), operating cash flow of RMB 290.7 million (Q4) and RMB 1.5 billion (FY), new policies ~7.9 million in Q4 (+34.5%) and ~30.7 million for the year (+36.7%), an AI team >10% of headcount with >4,900 models and >5,700 labels, Q4 revenue mix of RMB 401.1 million distribution (+35.1%) and RMB 774.1 million system services (+31.1%), and continued investment in R&D (R&D FY RMB 365.1 million, +58%) to drive scale, efficiency and AI integration.Yuanbao, Inc. Unsponsored ADR Financial Statement Overview
Summary
Income Statement
85
Very Positive
Balance Sheet
60
Neutral
Cash Flow
75
Positive
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 4.09B | 3.28B | 2.05B | 850.25M | 385.44M |
| Gross Profit | 3.91B | 3.12B | 1.91B | 787.37M | 322.31M |
| EBITDA | 1.24B | 873.55M | 191.50M | -6.65M | -395.17M |
| Net Income | 1.26B | 865.85M | 203.12M | 18.75M | -441.51M |
Balance Sheet | |||||
| Total Assets | 4.26B | 2.78B | 1.52B | 1.08B | 790.33M |
| Cash, Cash Equivalents and Short-Term Investments | 3.68B | 2.32B | 1.12B | 641.38M | 577.34M |
| Total Debt | 11.56M | 19.16M | 31.02M | 24.23M | 3.43M |
| Total Liabilities | 1.27B | 4.41B | 3.66B | 2.96B | 2.28B |
| Stockholders Equity | 3.00B | -1.63B | -2.14B | -1.88B | -1.49B |
Cash Flow | |||||
| Free Cash Flow | 276.85M | 1.20B | 437.33M | 85.28M | -248.14M |
| Operating Cash Flow | 277.19M | 1.21B | 441.97M | 87.72M | -244.99M |
| Investing Cash Flow | -153.44M | -157.57M | -45.26M | -218.93M | -90.44M |
| Financing Cash Flow | -6.31M | -9.11M | 18.05M | 0.00 | 726.37M |
Yuanbao, Inc. Unsponsored ADR Risk Analysis
Yuanbao, Inc. Unsponsored ADR disclosed 99 risk factors in its most recent earnings report. Yuanbao, Inc. Unsponsored ADR reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Yuanbao, Inc. Unsponsored ADR Peers Comparison
UnderperformOutperform
Sector (61)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
84 Outperform | $1.05B | 8.86 | 17.87% | 4.00% | -4.12% | ― | |
75 Outperform | $656.64M | 0.64 | 66.01% | ― | ― | ― | |
74 Outperform | $552.15M | 0.66 | 11.28% | 2.12% | 44.00% | 56.57% | |
62 Neutral | $1.25B | 27.47 | -30.35% | ― | 17.56% | -3.08% | |
61 Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% | |
47 Neutral | $48.84M | >-0.01 | -71.55% | ― | -130.89% | ― |
* Technology Sector Average
YB
Yuanbao, Inc. Unsponsored ADR
14.85
-0.25
-1.66%
FGNX
Fundamental Global
8.71
-72.76
-89.31%
IGIC
International General Insurance Holdings
24.41
2.42
10.99%
GSHD
GooseHead Insurance
34.39
-73.87
-68.23%
WDH
Waterdrop
1.53
0.12
8.43%
Yuanbao, Inc. Unsponsored ADR Corporate Events
Yuanbao Inc. Reports Strong Q3 2025 Financial Results with AI Integration
Dec 3, 2025
Yuanbao Inc. announced its unaudited financial results for the third quarter of 2025, revealing a significant 33.6% increase in total revenues year-over-year, reaching RMB1,157.9 million. The company also reported a 51.3% rise in net income, drive...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.