Yuanbao Inc. American Depositary Shares is an ADR representing ownership in Yuanbao Inc., a technology-driven insurance distributor and services provider in China. Through its subsidiaries, Yuanbao offers online insurance distribution and related support services, including personalized recommendation tools, policy management, claims processing, and post-sale customer support. Its product portfolio spans medical, critical illness, accident, life, property, and pet insurance, serving consumers through digital channels and tailored insurance workflows. The company also provides system services that support marketing, analytics, and other operational functions for its insurance partners. Yuanbao Inc. American Depositary Shares gives market participants access to a business focused on digital insurance distribution and service infrastructure within the Chinese insurance market.
Valuation & Multiples
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
¥4.72B
▲ +33.1% YoY
Net Income (TTM)
¥1.40B
▲ +51.0% YoY
Op. Margin
31.46%
▲ +4.4pp YoY
ROIC
73.55%
▼ -3250.5pp YoY
Cash Flow & Balance Sheet
FCF (FY)
¥1.48B
▲ +22.6% YoY
Op. Cash Flow (FY)
¥1.50B
▲ +23.8% YoY
Net Debt
-¥3.96B
Net Cash Position
Cash & Equiv.
¥3.96B
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Yuanbao Inc. American (YB) in four numbers
Questions about Yuanbao Inc. American
Is Yuanbao Inc. American (YB) overvalued?
At ¥74.55, Yuanbao Inc. American's price is 59% below the ¥183.10 a share fair value that Intrinsiqq's calculator gets from its earnings. It trades at 2.56 times earnings and 2.44 times free cash flow. The growth behind that figure is yours to set on the Intrinsic Value tab. See how to tell if a stock is overvalued.
What is Yuanbao Inc. American's fair value?
Intrinsiqq's calculator puts Yuanbao Inc. American's fair value at ¥183.10 a share. It grows earnings per share 5% a year for 5 years, applies an exit P/E of 8.6, and works back at a 10% yearly return. A 25% margin of safety gives a buy-below price of ¥137.32. Every input can be changed on the Intrinsic Value tab.
Is Yuanbao Inc. American a high-quality business?
Yuanbao Inc. American scores 90 out of 100 on Intrinsiqq's quality score, which makes it a high-quality business on these measures. The score blends 8 checks computed from company filings. Its best check is revenue growth at 32.1%, and its weakest is share count change at 7.2%. The Quality tab shows every check against its target.
Does Yuanbao Inc. American (YB) pay a dividend?
No. Yuanbao Inc. American (YB) paid CNY 1.26 per share in fiscal 2025 and has paid nothing in the last twelve months. The Dividends tab has the full payment history.
Source: company filings. Price: last close 30 Oct 2026. How this is calculated. Sector medians are approximate S&P 500 benchmarks and update periodically. Analysis, not investment advice.
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Data sourced from company filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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