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WDH

WaterdropA
NYSE / Insurance
Last Price
$1.01+$0.01 (+1.00%)
At close · 2026-11-10
View Chart
Current thesis
Insurance-related income grew 80.5% year over year in Q2, and the company reported RMB111.3 million of operating profit. More efficient conversion of that growth into profit, alongside actual repurchases, could support upside [#IR-2026-09-08] (company results).
Posture
Constructive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta 0.0.
What can break
China insurance and healthcare policy, competition, and ADR-related risks add uncertainty; the available peer set does not provide a reliable direct valuation comparison.
Momentum
96
Value
63
Sentiment
61
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $1.05 · Bull $1.35 · Bear $0.70Analysis 2026-11-11; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-11-10 • Vendor: Data Vendor v1
Scores
As of 2026-11-11 • Model: HYBRID_IC_RP
AI Memo
As of 2026-11-11 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-11-11

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-11-11. Definitions

Supporting evidence
What
Grade A · Constructive
Confidence Medium · Net Neutral
Target $1.85
Why
Momentum96 · Δ7d -
Value63 · Δ7d 0.0
Sentiment61 · Δ7d -
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Value remains the lead driver in the composite, 7D delta 0.0.

Contradictions & invalidation

  • • China insurance and healthcare policy, competition, and ADR-related risks add uncertainty; the available peer set does not provide a reliable direct valuation comparison.
  • • Rapid third-party traffic spending may prevent insurance revenue growth from translating into stronger net profit [#IR-2026-09-08] (company results).
  • • Q2 sales and marketing expense rose 220.7% year over year, while attributable net profit fell from RMB140.2 million to RMB125.8 million.

Catalyst clock

2027-03-31

Insurance growth-to-profit conversion

Lead driver: Value · See fundamentals
Momentum
96
18% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
63
43% active weight
Current posture
7d trendFlat
Δ7d
0.0
Δ21d
-0.0
Sentiment
61
39% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade

Composite grade A. Momentum 96.3 / Value 63.1 / Sentiment 60.8

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-11-11. Scenario method

B+
Bull case
25%
Probability
Target price
$1.35
Analysis reference price unavailable
Analysis 2026-11-11 · RankAlpha Sentiment Codex
Most likely
B
Base case
45%
Probability
Target price
$1.05
Analysis reference price unavailable
Analysis 2026-11-11 · RankAlpha Sentiment Codex
B-
Bear case
30%
Probability
Target price
$0.70
Analysis reference price unavailable
Analysis 2026-11-11 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-11-10
Market Cap
$364.49M
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
+8.4%
Net Debt
-$227.76M
Current Ratio
1.95
As of 2026-11-11 • Updated nightlySource: Internal modelMethods & Data