Yuanbao, Inc. Unsponsored ADR (YB) AI Stock Analysis

• Market Cap: $1.14B
• Dividend Yield: N/A
• Average Volume (3M): 63.16K
• Price to Earnings (P/E): 3.1
• Beta (1Y): 0.13
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: US
• Employees: 497
• Sector: Technology
• Sector Strength: 83
• Industry: Insurance - Diversified
• EPS (TTM): 0.15
• Shares Outstanding: 31,391,450
• 10 Day Avg. Volume: 61,641
• 30 Day Avg. Volume: 63,156
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 0.45
• Enterprise Value/Revenue: 0.29
• Enterprise Value/Gross Profit: 0.31
• Enterprise Value/Ebitda: 0.93
• 1Y Price Target: $31.00
• Price Target Upside: 31.58% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 69 Neutral
• Price Target: $30.00 ▲(27.33% Upside)

Yuanbao, Inc. shows strong financial performance with significant revenue and profit growth, supported by effective cash flow management. However, the negative equity on the balance sheet is a major concern. Technical analysis indicates positive momentum, but the lack of valuation metrics limits a comprehensive assessment.

Positive Factors

Revenue Growth

Significant revenue growth indicates robust market demand and effective business strategies, positioning Yuanbao well in the digital finance sector.

Cash Flow Management

Efficient cash generation and management enhance Yuanbao's financial flexibility, supporting sustainable operations and potential growth investments.

Profitability Improvement

Improved profitability margins demonstrate effective cost management and operational efficiency, strengthening Yuanbao's competitive position.

Negative Factors

Negative Equity

Negative equity indicates financial instability, which could limit Yuanbao's ability to secure financing and invest in future growth opportunities.

High Capital Expenditures

High capital expenditures may strain liquidity and limit Yuanbao's ability to respond to market opportunities or challenges without additional financing.

Financial Instability

Financial instability due to negative equity could impact Yuanbao's long-term sustainability and its ability to withstand economic downturns or competitive pressures.

Yuanbao, Inc. Unsponsored ADR Business Overview & Revenue Model

Company Description

Yuanbao Inc., through its subsidiaries, provides online insurance distribution and services in the People's Republic of China. The company offers medical, critical illness, life, and other insurance products. It also provides system services, including precise marketing, analytics, and other system services. Yuanbao Inc. was incorporated in 2019 and is headquartered in Beijing, the People's Republic of China.

How the Company Makes Money

Yuanbao, Inc. generates revenue primarily through transaction fees associated with its digital payment services and financial technology offerings. The company charges fees for each transaction processed through its platform, which includes both consumer-to-consumer and business-to-consumer transactions. Additionally, Yuanbao may earn revenue from partnerships with financial institutions and e-commerce platforms, providing integrated payment solutions that enhance user experience. The growth of its user base and transaction volume is a significant factor contributing to its earnings, as well as any potential subscription fees for premium services offered to businesses.

Yuanbao, Inc. Unsponsored ADR Financial Statement Overview

Summary

Yuanbao, Inc. has shown strong revenue and profit growth with positive cash flow management. However, the balance sheet reveals financial instability due to negative equity, which poses a risk.

Income Statement

Yuanbao, Inc. has demonstrated strong revenue growth, with a significant increase from $385.4 million in 2021 to $3.28 billion in 2024. Gross profit margins are consistently high, indicating effective cost management. The net profit margin improved substantially, reflecting enhanced profitability. However, the company experienced negative EBIT and EBITDA margins in earlier years, which have now turned positive, showcasing a successful turnaround.

Balance Sheet

The balance sheet reveals a negative stockholders' equity, which is a concern. The debt-to-equity ratio is not meaningful due to negative equity, but the company has managed to maintain low total debt levels. The equity ratio is negative, indicating financial instability. Despite these issues, the company has a strong cash position, which provides some financial flexibility.

Cash Flow

Yuanbao, Inc. has shown impressive growth in operating cash flow and free cash flow, with a notable increase from 2021 to 2024. The operating cash flow to net income ratio is favorable, indicating efficient cash generation relative to earnings. The free cash flow to net income ratio is also strong, reflecting robust cash flow management. However, the negative investing cash flow suggests high capital expenditures or investments, which could impact future liquidity.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	3.28B	2.05B	850.25M	385.44M
Gross Profit	3.12B	1.91B	787.37M	322.31M
EBITDA	873.55M	191.50M	-6.65M	-395.17M
Net Income	865.85M	203.12M	18.75M	-441.51M
Balance Sheet
Total Assets	2.78B	1.52B	1.08B	790.33M
Cash, Cash Equivalents and Short-Term Investments	2.32B	1.12B	641.38M	577.34M
Total Debt	19.16M	31.02M	24.23M	3.43M
Total Liabilities	4.41B	3.66B	2.96B	2.28B
Stockholders Equity	-1.63B	-2.14B	-1.88B	-1.49B
Cash Flow
Free Cash Flow	1.20B	437.33M	85.28M	-248.14M
Operating Cash Flow	1.21B	441.97M	87.72M	-244.99M
Investing Cash Flow	-157.57M	-45.26M	-218.93M	-90.44M
Financing Cash Flow	-9.11M	18.05M	0.00	726.37M

Yuanbao, Inc. Unsponsored ADR Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
YB	69 Neutral	$1.14B	3.07		―	―	―
Sector *	61 Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%
CETX	52 Neutral	$4.43M	<0.01	-1102.76%	―	16.50%	―
MRIN	45 Neutral		―		―	-9.89%	47.46%
AQB	43 Neutral	$4.42M	―	-53.80%	―	-46.91%	-174.16%
AUUD	―	$4.42M	―	-198.73%	―	―	―
WLDS	44 Neutral	$6.78M	―	-268.12%	―	-9.05%	53.22%

Yuanbao, Inc. Unsponsored ADR Corporate Events

Yuanbao Inc. Reports Strong Q2 2025 Financial Results

Yuanbao Inc. announced its unaudited financial results for the second quarter of 2025, showing a significant year-over-year increase in total revenues and net income. The company reported a 25.2% rise in total revenues to RMB1,069.9 million and a 55.6% increase in net income to RMB304.7 million, driven by strong performance in insurance distribution and system services. Yuanbao’s advancements in technology, including the deployment of large language models and multi-modal applications, have bolstered its market position and operational capabilities. The company’s strategic focus on technological innovation and market expansion is expected to continue driving growth and value for stakeholders.