Yuanbao (ADR)
Connects insurance-carrier products with customers through online distribution and policy services.
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Profile
Distributes insurance products from partner carriers through an online service cycle covering recommendations, purchase, policy management, claims settlement, and post-sale support. The business operates in mainland China through a Cayman holding company, subsidiaries, and a VIE structure.
Online insurance distribution links partner carriers with customers across recommendations, purchasing, policy management, claims settlement, and post-sale service. Its proprietary consumer service cycle engine supports the process rather than underwriting insurance itself.
Operations are concentrated in mainland China, where group entities hold nationwide insurance brokerage and agency licenses. The Nasdaq-listed issuer is a Cayman Islands holding company whose PRC business is conducted through subsidiaries and a variable-interest-entity structure.
Founder Rui Fang remains chairman and chief executive. The business depends on carrier partnerships, the affiliated entities’ insurance licenses, and the contractual VIE arrangements that connect the listed issuer to PRC operations.
Company facts
Categories
Key statistics
Year to date −32.5% · Average volume (30d) 21.3K
Analysts
No analyst consensus on record.
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jun 10, 2026Q1 FY26 | — | $1.22 | — | — | $190.7M | — | −4.22% |
| Mar 18, 2026Q4 FY25 | — | $1.05 | — | — | $168.0M | — | −14.18% |
| Dec 3, 2025Q3 FY25 | — | $1.14 | — | — | $162.6M | — | −7.22% |
| Aug 27, 2025Q2 FY25 | — | $0.92 | — | $1.16B | $149.2M | −87.1% | −11.44% |
Financial highlights
| 12 quarters | Q4 FY24 | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $132.2M | $144.3M | $159.2M | $172.3M | $172.5M | $195.8M | |
| Gross profit | $125.9M | $137.7M | $153.1M | $165.6M | $167.1M | $188.7M | |
| Operating income | $43.0M | $43.1M | $44.3M | $52.8M | $57.9M | $65.1M | |
| Net income | $43.5M | $43.9M | $45.3M | $55.1M | $50.2M | $57.7M | |
| Diluted EPS | $12.38 | $6.27 | $18.68 | $6.85 | $6.21 | $7.18 | |
| Gross margin | 95.2% | 95.4% | 96.2% | 96.1% | 96.9% | 96.4% | |
| Operating margin | 32.5% | 29.8% | 27.8% | 30.6% | 33.6% | 33.2% |
Fiscal years (4-quarter sums)FY24 $488.7M · FY25 $648.3M
Revenue by product · FY25
Balance sheet, Mar 31, 2026Cash & short-term investments $694.6M · Total debt $632.7K · Total assets $812.4M · Shareholders' equity $557.9M
Dividends
To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Jul 2, 2026 | Jul 2 | Jul 28 | $1.26 |
Ownership
Shares outstanding 7.68M · Float 1.07M · 13.9% free float
Insiders — filings are in the shares behind the receipt.
This listing is a depositary receipt and the Form 4 positions here are filed in the shares behind it, a different unit from the share count and in a ratio the filings never state, so no insider percentage is shown.
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| Susquehanna International Group, LLP | 3.04M | 39.51% | 13F | Aug 14, 2026 |
| Franchise GP Ltd | 1.21M | 15.81% | 13F | Jul 22, 2026 |
| Lighthouse Investment Partners, LLC | 153.2K | 1.99% | 13F | Aug 14, 2026 |
| Point72 Asset Management, L.P. | 104.7K | 1.36% | 13F | Aug 14, 2026 |
| Barclays PLC | 62.3K | 0.81% | 13F | Aug 14, 2026 |
Insider tradesForm 4
No open-market trades in the last 12 months.
View detailsPeers
- Waterdrop (ADR)
Online brokerage for PRC insurance products and health services
- Huize (ADR)
Digital insurance platform for consumers, carriers, and partners
- Cheche Group
Auto-insurance distribution and digital transaction services
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Yuanbao (ADR) | $13.49 | −0.15% | $103.6M | 0.3 | — | 0.1 | +43.1% |
| Waterdrop (ADR) | $1.02 | +2.74% | $359.0M | 0.9 | — | 0.5 | +73.9% |
| Huize (ADR) | $1.64 | +0.61% | $842.6K | 1.4 | — | 0.0 | +91.5% |
| Cheche Group | $15.33 | −0.78% | $36.3M | — | — | 0.1 | +78.0% |
| Median | 1.2 | — | 0.1 | +78.0% |