Yuanbao Inc. (YB)
UndervaluedFundamental
70
Price
$12.44
Market Cap
$573M
Part 1 · What the company is worth
Overview
Yuanbao Inc., together with its subsidiaries, provides insurance brokerage and agency licenses services in the People's Republic of China. The company offers medical, critical illness, accident, property, and pet insurance products. Yuanbao Inc. was incorporated in 2019 and is headquartered in Beijing, the People's Republic of China.
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Direct competitors
Who this company fights with for the same customers
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No competitor list for this company yet.
Balance Sheet & Liquidity
Revenue
$5.04B
Trailing 12 months (through 6/30/2026)
Net Income
$1.51B
Trailing 12 months (through 6/30/2026)
Free Cash Flow
-
Total Equity
$404M
Total Liabilities
$2M
Current Ratio
2.91
Interest Coverage
-
Debt/EBITDA
0.00
Earnings Per Share
Revenue & Net Income
Free Cash Flow
Income Breakdown
Historical statement
Margins over time
Debt over time
How heavy the debt is
Growth grid
Growth — Revenue
Fair Value Estimation
Fair Value
$41.74
Current Price
$12.44
Margin of Safety
+70.2%
Fair Value Range
$27.13 - $56.35
Spread across the valuation methods used, not a statistically calibrated confidence interval.
Estimation Methods
Valuation Metrics
P/E Ratio
3.32
ROE
47.2%
P/B Ratio
1.00
P/FCF
-
Gross Margin
95.5%
ROIC
318.2%
Profitability Radar
Value Creation (Economic Moat)
ROIC outlierROIC
318.2%
WACC
8.0%
ROIC − WACC
+310.2 pp
ROIC exceeds the cost of capital — the company is creating value for shareholders.
Fundamental Analysis Criteria
Passed (7)
- ROIC 318.2%
- Gross Margin 95.5%
- P/B Ratio 1.00
- Debt/Equity ratio
- Current Ratio
- Debt/EBITDA
- ROE 43.5%
Failed (4)
- Price CAGR -39.75%
- DCF valuation (Unknown)
- Analyst Consensus 0% Buy
- Piotroski F-Score 0/9
Unavailable (16)
- EPS data insufficient
- P/FCF NaN
- Dividend Payout NaN%
- Operating Margin NaN%
- Positive Free Cash Flow
- CapEx intensity
- Interest Coverage
- Return on Tangible Assets
- Low reliance on intangibles
- Price below Graham Number
- Revenue Growth 5Y (Finnhub)
- Earnings Surprise (no valid data)
- PEG Ratio (need PE > 0 and growth > 0)
- Earnings Quality (OCF/Net Income)
- Share Dilution (need 2+ years)
- Net Margin Trend (invalid data)
Piotroski F-Score
Serious financial concerns
Earnings Quality
Low quality: investigate accounting
Share Dilution
Buying back shares. Shareholder friendly
Institutional Holdings
Governance
Executive Team
| Name | Title | Age |
|---|---|---|
| Mr. Rui Fang | Chairman & CEO | 48 |
| Mr. Huirui Wan | Chief Financial Officer | 35 |
| Ms. Ying Li | COO & Director | 37 |
| Mr. Bo Wang | Chief Technology Officer | 42 |
| Ms. Shuli Sun | Chief Product Officer & Director | 35 |
| Ms. Ying Le | Vice President | 35 |
Part 2 · The price and when to enter
This part won't tell you whether the company is worth owning: it helps you choose when to buy it, once the fundamentals have convinced you. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
Latest News
Recent headlines for YB, sourced from Markets Gazette.