Yuanbao Inc. American Depositary Shares

Insurance - Diversified · Financial Services

Exchange

NASDAQ

Winston Score

Winston is happy

A high-quality business with solid fundamentals.

Data as of Aug 23, 2026 · filings through Mar 31, 2026

How the score breaks down

Quality

Exceptional

Growth

Strong

Cash Flow

Exceptional

Stability

Good

Valuation

Good

Dividends

Good

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Winston Score History

The full picture

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.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+34.8% YoY

YoY Growth Rate

Strong revenue growth

EPS Growth

-79.8% YoY

YoY Growth Rate

Earnings declining

Insider Activity

86.1%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$4.7B cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Strong grower

Yuanbao Inc. American Depositary Shares is growing revenue at 35% year-over-year. The Winston Score penalises unprofitable companies, but revenue at this pace tells a different story — this is a company still in "build mode."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Profit per sale

Gross Margin

97.0%

Premium pricing power — 97.0% gross margin

Profit after running costs

Operating Margin

33.4%

Excellent — 33.4% operating margin

Return on the money invested

ROCE

39.4%

Exceptional — 39.4% return on capital

ROIC above 25%. Every dollar invested in the business earns more than 25 cents back per year.

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Growth

Sales growth

Sales YoY

+31.1%

Fast-growing sales (+31.1% YoY)

Profit growth

EPS YoY

+106.4%

Earnings growing fast (+106.4% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is

EPS Consistency

5/8 quarters

Mixed — about half the quarters showed growth

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Cash Flow

Profit that turns into cash

Cash Conversion

107%

Turns 107% of profit into real cash

Spare cash per sale

FCF Margin

31.4%

Converts sales into free cash efficiently (31.4%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

What it owes vs what it owns

Debt / Equity

N/A

Data not available

Covers its interest

Interest Cover

100.00x

—

Comfortably covers interest (100.0x)

Interest coverage above 8. Profits cover interest many times over.

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Valuation

Price vs profit

P/E Ratio (TTM)

0.3x

no trend

Attractive valuation — P/E 0.3

P/E under 10. The price tag is small relative to last year's profit.

Cheaper or dearer next year

P/E vs Forward

-0.0

SLOWING

Earnings expected to fall — forward P/E higher than today

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Dividends

Dividend

Dividend Yield

9.00%

no trend

Healthy income — 9.00% yield

Yield above 6% — often a flag the market is pricing in a cut.

Dividend record

Dividend Growth

N/A

no trend

Data not available

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