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:ReiteratedDate: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
$778.08M
Dividend YieldN/A
Average Volume (3M)57.51K
Price to Earnings (P/E)0.8
Beta (1Y)0.79
Revenue GrowthN/A
EPS GrowthN/A
CountryUS
Employees497
SectorTechnology
Sector Strength88
IndustryInsurance - Diversified
Share Statistics
EPS (TTM)0.17
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 Cap0.58
Enterprise Value/Revenue0.11
Enterprise Value/Gross Profit0.11
Enterprise Value/Ebitda0.36
Forecast
1Y Price Target
$21.80Price Target Upside9.38% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)32.98
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:Dec 03, 2025
(Q3-2025)
| % Change Since: |
Next Earnings Date:Jun 04, 2026
Earnings Call Sentiment Positive
Yuanbao Inc. showcased strong revenue and net income growth with strategic advances in AI and product innovation. However, increased operating expenses and potential future challenges from tax regulation changes and competitive pressures present areas of caution.Positive Updates
Record Revenue Growth
Total revenues grew 33.6% year-over-year to RMB 1.16 billion, marking continued high-quality growth.
Negative Updates
Increased Operating Expenses
Total operating expenses increased by 31.2% year-over-year to RMB 803.4 million, with significant rises in G&A and R&D expenses.
Read all updates
Q3-2025 Updates
Positive
Negative
Record Revenue Growth
Total revenues grew 33.6% year-over-year to RMB 1.16 billion, marking continued high-quality growth.
Read all positive updates
Company Guidance
In the third quarter of 2025, Yuanbao Inc. reported robust financial performance with total revenues increasing by 33.6% year-over-year to RMB 1.16 billion and net income rising by 51.3% to RMB 370 million, marking the company's 13th consecutive quarter of profitability. The firm also highlighted its strong cash reserves of RMB 3.75 billion, supporting ongoing technological innovation and strategic expansion. Yuanbao issued 8 million new policies, a 41.8% year-over-year increase, fueled by enhanced AI and data capabilities that improved consumer targeting. The company introduced a new short-term critical illness insurance product, emphasizing high coverage at an affordable price. Yuanbao's AI technology, including large language models, has been integrated into critical functions, enhancing operational efficiency and service capabilities. The firm remains focused on leveraging AI for product innovation and optimizing user experiences, positioning itself for continued growth in China's evolving health insurance market.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 Peers Comparison
UnderperformOutperform
Sector (61)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
81 Outperform | $1.01B | 8.68 | 18.79% | 4.00% | 0.76% | ― | |
75 Outperform | $778.08M | 0.76 | 189.16% | ― | ― | ― | |
71 Outperform | $593.13M | 7.68 | 10.38% | 2.12% | 18.70% | 62.14% | |
61 Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% | |
60 Neutral | $1.54B | 66.09 | -30.28% | ― | 24.81% | 55.93% | |
56 Neutral | $1.65B | 9.21 | -0.57% | 2.55% | 11.71% | -101.08% | |
46 Neutral | $46.18M | -4.74 | -14.84% | ― | -42.13% | -797.10% |
* Technology Sector Average
YB
Yuanbao, Inc. Unsponsored ADR
17.26
2.26
15.07%
FGNX
Fundamental Global
6.58
-82.67
-92.63%
IGIC
International General Insurance Holdings
23.52
-0.48
-1.98%
GSHD
GooseHead Insurance
42.00
-79.30
-65.38%
WDH
Waterdrop
1.67
0.25
17.61%
FIHL
Fidelis Insurance Holdings Ltd.
19.02
3.51
22.61%
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.