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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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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Public information on Yuanbao Inc. (NASDAQ: YB) is limited, and public filings do not provide clear, verifiable detail about its core operations. Long-term growth will depend on the company's disclosed strategy—such as market expansion, product or service development, or acquisitions—and investors may find exposure to a small, less-covered public company potentially attractive if execution and disclosure improve.
Material risks include limited disclosure and low liquidity, along with governance, regulatory and cross-border listing risks common to small U.S.-listed companies with operations in other jurisdictions.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 1370.33M | 891.41M | 205.48M | -2.34M | -399.86M |
| Net income | 1271.92M | 865.85M | 203.12M | 18.75M | -441.51M |
| Selling general administrative | 286.84M | 285.43M | 178.68M | 99.17M | 87.43M |
| Selling and marketing expenses | 2217.16M | 1743.12M | 1424.63M | 625.93M | 548.87M |
| Gross profit | 4164.62M | 3118.19M | 1907.19M | 787.37M | 322.31M |
| Reconciled depreciation | 17.68M | 14.95M | 16.14M | 9.52M | 8.43M |
| Ebit | 1336.58M | 858.61M | 175.36M | -16.16M | -403.61M |
| Ebitda | 1340.22M | 873.55M | 191.50M | -6.65M | -395.17M |
| Depreciation and amortization | 3.64M | 14.95M | 16.14M | 9.52M | 8.43M |
| Operating income | 1300.17M | 858.61M | 175.36M | -16.16M | -403.61M |
| Other operating expenses | 3036.57M | 2425.92M | 1869.79M | 866.41M | 789.05M |
| Tax provision | 101.17M | 25.57M | 0.29M | 0.01M | 0.00M |
| Interest income | 22.09M | 24.31M | 19.70M | 6.62M | 3.19M |
| Net interest income | 22.09M | 24.31M | 19.70M | 6.62M | 3.19M |
| Income tax expense | 101.17M | 25.57M | 0.29M | 0.01M | - |
| Total revenue | 4373.15M | 3284.53M | 2045.15M | 850.25M | 385.44M |
| Total operating expenses | 2869.11M | 2259.59M | 1731.83M | 803.54M | 725.91M |
| Cost of revenue | 167.46M | 166.33M | 137.96M | 62.88M | 63.14M |
| Total other income expense net | 70.17M | 32.81M | 30.12M | 13.83M | 3.75M |
| Net income from continuing ops | 1307.54M | 865.85M | 205.19M | -2.35M | -399.86M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 4655.57M | 2779.64M | 1520.64M | 1077.01M | 790.33M |
| Intangible assets | 64.55M | 58.05M | 58.21M | 58.12M | 57.89M |
| Other current assets | 52.42M | 91.40M | 31.02M | 126.41M | 83.56M |
| Total liab | 1309.27M | 4413.44M | 3658.03M | 2957.36M | 2284.30M |
| Total stockholder equity | 3346.30M | -1633.80M | -2137.39M | -1880.35M | -1493.97M |
| Other current liab | 1007.46M | 747.68M | 527.70M | 399.08M | 142.84M |
| Common stock | 0.19M | 0.07M | 0.05M | 0.03M | 0.02M |
| Capital stock | 0.19M | 0.07M | 0.05M | 0.03M | 0.02M |
| Retained earnings | -72.85M | -1932.13M | -2287.07M | -1954.13M | -1518.76M |
| Cash | 860.46M | 1904.67M | 863.12M | 373.56M | 528.87M |
| Total current liabilities | 1138.73M | 940.81M | 634.15M | 472.48M | 267.75M |
| Current deferred revenue | 63.54M | 117.65M | 67.48M | 46.44M | 117.05M |
| Net debt | -852.53M | -1885.51M | -832.10M | -349.33M | -525.45M |
| Short term debt | 7.08M | 13.45M | 12.44M | 10.04M | 2.57M |
| Short long term debt total | 7.92M | 19.16M | 31.02M | 24.23M | 3.43M |
| Other stockholder equity | 3179.60M | 198.66M | 134.33M | 61.95M | 30.56M |
| Total current assets | 4458.04M | 2672.81M | 1410.23M | 990.58M | 716.95M |
| Long term investments | 52.49M | 0.00M | - | - | - |
| Short term investments | 3102.88M | 416.22M | 261.82M | 267.82M | 48.47M |
| Net receivables | 442.28M | 260.52M | 254.27M | 222.78M | 56.04M |
| Accounts payable | 17.38M | 10.68M | 17.08M | 9.71M | 4.74M |
| Accumulated other comprehensive income | 239.35M | 99.60M | 15.29M | 11.80M | -5.79M |
| Non currrent assets other | 24.80M | 17.61M | 17.52M | 5.34M | 8.72M |
| Non current assets total | 197.53M | 106.83M | 110.42M | 86.44M | 73.38M |
| Capital lease obligations | 7.92M | 19.16M | 31.02M | 24.23M | 3.43M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | -2697.16M | -157.57M | -45.26M | -218.93M | -90.44M |
| Total cashflows from investing activities | -2722.88M | -157.57M | -45.26M | -218.93M | -90.44M |
| Net borrowings | - | - | - | 0.00M | 0.00M |
| Total cash from financing activities | 196.84M | -9.11M | 18.05M | 0.00M | 726.37M |
| Net income | 1307.54M | 865.85M | 205.19M | -2.35M | -399.86M |
| Change in cash | -1035.69M | 1045.76M | 421.35M | -106.37M | 378.92M |
| Begin period cash flow | 1919.67M | 873.91M | 452.56M | 558.93M | 180.02M |
| End period cash flow | 883.98M | 1919.67M | 873.91M | 452.56M | 558.93M |
| Total cash from operating activities | 1495.14M | 1207.60M | 441.97M | 87.72M | -244.99M |
| Issuance of capital stock | 204.88M | 0.00M | 0.00M | 0.00M | 726.37M |
| Depreciation | 17.68M | 14.95M | 16.14M | 9.52M | 8.43M |
| Other cashflows from investing activities | 0.22M | 0.06M | -46.38M | 9.90M | -22.08M |
| Change to account receivables | -179.27M | -13.36M | -24.97M | -180.85M | 47.47M |
| Other cashflows from financing activities | -8.06M | -9.11M | 18.05M | - | 726.37M |
| Capital expenditures | 19.04M | 3.34M | 4.64M | 2.44M | 3.15M |
| Change in working capital | 46.61M | 236.71M | 169.85M | 24.58M | 106.27M |
| Stock based compensation | 74.32M | 64.02M | 37.11M | 27.07M | 17.12M |
| Other non cash items | -48.13M | 1.34M | 13.67M | 28.90M | 23.04M |
| Free cash flow | 1476.10M | 1204.26M | 437.33M | 85.28M | -248.14M |
Sector: Technology Industry: Software - Application
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
Enterprise Value
to EBITDA (x) |
|---|---|---|---|---|---|---|---|---|
| YB Yuanbao Inc. American Depositary Shares |
0.59 5.82% |
10.82 | 3.49 | - | 0.12 | 1.07 | 0.00 | 0.00 |
| SAP SAP SE ADR |
0.36 0.15% |
234.10 | 28.16 | 22.42 | 6.52 | 4.85 | 5.60 | 16.61 |
| CRM Salesforce Inc |
4.02 1.88% |
217.50 | 23.41 | 15.55 | 4.79 | 5.56 | 5.55 | 14.88 |
| SAPGF SAP SE |
-0.33 0.14% |
234.00 | 76.28 | 22.88 | 5.61 | 3.84 | 5.59 | 26.18 |
| SHOP Shopify Inc |
2.65 1.81% |
149.26 | 90.18 | 53.19 | 12.70 | 13.17 | 12.23 | 67.86 |
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.
| Name | Title | Year Born |
|---|---|---|
| Mr. Rui Fang | Chairman & CEO | 1977 |
| Mr. Huirui Wan | Chief Financial Officer | 1990 |
| Ms. Ying Li | COO & Director | 1988 |
| Mr. Bo Wang | Chief Technology Officer | 1983 |
| Ms. Shuli Sun | Chief Product Officer & Director | 1990 |
| Ms. Ying Le | Vice President | 1990 |
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