Yuanbao Inc. (YB) AI Stock Analysis
YB AI stock analysis summary
AI ResearchYuanbao Inc. American Depositary Shares (YB) provides insurance brokerage and agency licenses services in the People's Republic of China. In FY2025, revenue reached $4.37B with a net margin of 29.1%, while trailing twelve months revenue stood at $5.04B. As of October 16, 2026, the company holds $5.16B in cash and short-term investments and trades at a trailing P/E of 2.6x.
- Market cap
- $530.8M
- Revenue (TTM)
- $5.04B
- P/E
- 2.6x
- 1Y return
- -44.3% S&P 500 16.8%
- Avg. target
- $15.56 35.1% vs last close
Bull case
- Yuanbao generated a 4-year revenue CAGR of 83.5% between FY2021 and FY2025, with revenue reaching $4.37B.
- The balance sheet features $5.16B in net cash and minimal total debt of $1.6M as of June 30, 2026.
- Trailing twelve months profitability remains robust, including a return on equity of 47.2% and an operating margin of 32.4%.
Bear case
- Yuanbao shares recorded a 1-year return of -44.3%, significantly lagging the 16.8% gain of the S&P 500.
- The stock price trades 24.3% below its 200-day moving average and remains near its 52-week low of $11.01.
- The consensus revenue estimates for both the current and next fiscal years stand at $0.
What Yuanbao Inc. does
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. Incorporated in 2019, Yuanbao Inc. is headquartered in Beijing, the People's Republic of China. Operating in the Technology sector and Software - Application industry, the company had 613 employees following its IPO in 2025.
Growth and profitability
Between FY2021 and FY2025, Yuanbao grew revenue at a 4-year CAGR of 83.5%, rising from $385.4M to $4.37B. Net income shifted from -$441.5M in FY2021 to $1.27B in FY2025, with net margin improving from -114.5% to 29.1%. Gross margin expanded from 83.6% to 95.2%, and operating margin increased from -104.7% to 29.7% over the same timeframe. Annual EPS was $11.41 in FY2025. Over the trailing twelve months ended June 30, 2026, revenue was $5.04B with a profit margin of 29.9%. In the latest quarter ended June 30, 2026, quarterly revenue increased 30.1% year-over-year and quarterly earnings grew 32.4% year-over-year.
Balance sheet and cash flow
As of June 30, 2026, Yuanbao held $5.16B in cash and short-term investments against total debt of $1.6M, resulting in net cash of $5.16B. The company recorded a current ratio of 3574.30 and a debt-to-equity ratio of 0.00. Shareholders' equity was $3.78B out of $5.99B in total assets. In FY2025, operating cash flow was $1.50B, free cash flow was $1.48B, and capital expenditures were $19.0M.
Valuation and performance
At the last close of $11.52 on October 16, 2026, Yuanbao has a market cap of $530.8M and an enterprise value of -$204.7M. The stock trades at a trailing P/E of 2.6x and a price-to-sales ratio of 0.1x, below the median of its US-listed Technology peers of 28.1x and 2.8x, respectively. Its EV to EBITDA ratio is 0.0x versus the peer median of 16.6x. Over the past year, the stock fell 44.3%, while the S&P 500 (SPY) returned 16.8%.
YB dividend
Yuanbao pays an annual forward dividend of $1.26 per share, representing a dividend yield of 10.90%. The company has a payout ratio of 28.2% and distributes dividends on an annual frequency. Its last ex-dividend date was July 2, 2026.
What analysts expect
Yuanbao currently has 1 Hold rating and 0 Buy or Sell ratings from covering analysts. The mean price target is $15.56, which is 35.1% above the last close of $11.52 on October 16, 2026. For the fiscal year ending December 31, 2026, the consensus EPS estimate is $30.18, representing 4.1% growth. For the next fiscal year, 1 analyst projects EPS of $33.70. The next earnings date is December 2, 2026.
Key risks and what to watch
- The stock price has fallen 38.4% year-to-date and trades well below its 52-week high of $24.40.
- Analyst coverage is limited to 1 analyst holding a neutral Hold rating.
- R&D expenses increased to $365.1M in FY2025, up from $231.0M in FY2024.
AI-generated research summary. Written with AI from Quotelinks data as of October 16, 2026 and checked so every figure matches that data. For information only, not investment advice. Disclaimer
About this YB AI stock analysis
This page is an AI-written research summary of Yuanbao Inc. (YB). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.
Related: YB income statement, YB balance sheet, YB key metrics, YB analyst forecast, YB chart. See the YB stock overview for the latest quote and news.
YB AI stock analysis FAQ
What is Yuanbao's dividend yield?
Yuanbao has an annual forward dividend of $1.26 per share, resulting in a dividend yield of 10.90%. Its payout ratio is 28.2%.
How much cash and debt does Yuanbao have?
As of June 30, 2026, Yuanbao had $5.16B in cash and short-term investments and $1.6M in total debt, leaving net cash of $5.16B.
What is Yuanbao's valuation relative to peers?
Yuanbao trades at a trailing P/E of 2.6x and a price-to-sales of 0.1x. These compare to medians of 28.1x and 2.8x for its US-listed Technology peers.
When is Yuanbao's next earnings report?
Yuanbao's next earnings date is December 2, 2026. The EPS estimate for the current fiscal year ending December 31, 2026, is $30.18.