Yuanbao Inc. (YB)

NEUTRAL

TechnologySoftware - ApplicationChina

基本面

价格

$13.80

市值

$639M

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第一部分 · 这家公司值多少

概览

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

No editorial profile for this company yet

No competitor list for this company yet.

资产负债表与流动性

营收

$4.72B

最近12个月（截至2026/3/31）

净利润

$1.40B

最近12个月（截至2026/3/31）

自由现金流

股东权益合计

$399M

负债合计

$4M

流动比率

3.48

利息覆盖率

债务/EBITDA

0.00

每股收益

营收与净利润

自由现金流

收入构成

历史财务表

利润率变化

债务变化

债务负担有多重

增长一览表

增长 — 营业收入

公允价值估算

General case被低估

公允价值

$45.47

当前价格

$13.80

安全边际

+69.7%

公允价值区间

$29.56 - $61.39

估算方法

Analyst price target:$18.07

Discounted cash flow (DCF):$108.31

Earnings multiple (P/E):$11.98

Graham growth formula:$68.86

Earnings power value (EPV):$50.57

Justified P/B:$91.54

Dividend discount (Gordon):Not enough data to compute it

P/FFO, funds from operations:Not enough data to compute it

Mid-cycle earnings:Not enough data to compute it

Revenue multiple:Not enough data to compute it

分析师共识:卖出 (0B / 3H / 6S)

估值指标

市盈率（P/E）

3.28

ROE

47.9%

市净率（P/B）

1.13

P/FCF

毛利率

96.4%

ROIC

307.2%

盈利能力雷达图

Value Creation (Economic Moat)

ROIC

307.2%

WACC

8.0%

ROIC − WACC

+299.3 pp

ROIC exceeds the cost of capital — the company is creating value for shareholders.

基本面分析标准

通过（7）

ROIC 307.2%
Gross Margin 96.4%
P/B Ratio 1.13
Debt/Equity ratio
Current Ratio
Debt/EBITDA
ROE 44.1%

未通过（4）

Price CAGR -33.29%
DCF valuation (Unknown)
Analyst Consensus 0% Buy
Piotroski F-Score 0/9

不可用（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-评分

0/9

存在严重财务隐患

score

criteria

盈利质量

低质量：需深入审查会计处理

股权稀释

正在回购股份，对股东友好

公司治理

管理团队

姓名	职位	年龄
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

第二部分 · 价格与买入时机

这一部分不判断公司是否值得拥有：它帮助你在基本面说服你之后，选择何时买入。包含：技术分析、潜力、历史回撤、Gamma 敞口。

Latest News

Recent headlines for YB, sourced from Markets Gazette.

No recent news for YB.