WDH
WaterdropANYSE / Insurance
Last Price
At close
2026-07-17
Current thesis
The main bull case is that Q1 showed unusually strong reported growth, with net operating revenue up 64.8% and insurance-related income up 74.1% year over year in the official release, while stored call context indicates management still targeted roughly 40% 2026 top-line growth despite stepping up user acquisition and AI investment [#IR-2026-06-16] [#PR-EARNINGS-2026-06-17]. If ROI holds, the ADR has room to close part of the gap versus the packet's median target summary of about US$2.37, though target-count visibility is weak.
Posture
Constructive
Lead driver
Momentum
What changed
Momentum remains the lead driver in the composite.
What can break
ADR liquidity, China-related sentiment, and thin analyst coverage can keep valuation depressed despite dividends and repurchases.
Momentum
96
Value
62
Sentiment
53
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $1.22 · Bull $1.55 · Bear $0.82
Data freshness
Prices
As of 2026-07-17
Fundamentals
As of 2026-07-17 • Vendor: Data Vendor v1
Scores
As of 2026-07-17 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-11 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-07-17
Investment thesis
As of 2026-07-17
Supporting evidence
What
Grade A · Constructive
Confidence Medium · Net Neutral
Target $2.37
Why
Momentum96 · Δ7d -
Value62 · Δ7d 0.0
Sentiment53 · Δ7d -
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Lead driver: Momentum · See technicals
Momentum
96
26% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
62
39% active weight
Current posture
7d trendFlat
Δ7d
0.0
Δ21d
-0.8
Sentiment
53
34% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade
Composite grade A. Momentum 96.3 / Value 62.1 / Sentiment 52.8
Fundamentals (TTM)As of 2026-07-17
Fundamentals (TTM)
As of 2026-07-17
Market Cap
$425.84M
Beta
-0.27
Shares Out
280.69M
P/E (TTM)
9.6
P/S (TTM)
1.15
P/FCF (TTM)
62.12
Rev YoY
+73.2%
EPS YoY
-4.0%
Gross Margin
+54.0%
Op Margin
+10.4%
Net Debt
-$227.76M
Current Ratio
1.95
As of 2026-07-17 • Updated nightlySource: Internal modelMethodology