Yuanbao Inc. (YB) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of Yuanbao Inc. $18.86, price $12.94, upside +45.8%, quality 66 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
Watch Yuanbao Inc. American Depositary Shares for free, get notified when fair value or trend changes. Plus fair value for all 35,000+ stocks, 14 days of Pro free, no card.Watch for freePro now: $1 first month
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 27, 2026.
How to read this chart
17‑month range $11.42 – $28.48 · fair‑value band $10.28 – $30.80 · the $12.94 price screens below the $18.86 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 27, 2026.
Follow Yuanbao Inc. American Depositary Shares in your weekly email
Every Wednesday you see whether Yuanbao Inc. American Depositary Shares is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
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.
Stock analysis
Yuanbao Inc. American Depositary Shares (YB) currently trades at $12.94, while our model-based Fair Value estimate is $18.86, implying the stock looks roughly 31.4% undervalued today.
Show more
Valuation
Bull case: the DCF Models group reads highest at a median of $158.42 per share, and 10 of the 11 models we run sit above the $12.94 price.
Bear case: the Asset-Based group reads lowest at $10.33, and 1 of the 11 models stay below the price. Evidence for this calculation is medium.
Scenario range: $10.28 (bear) to $30.80 (bull), the price of $12.94 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 66/100 (solid quality), in the Technology sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Yuanbao Inc. American Depositary Shares reported revenue of 4.4B CNY in FY2025 versus 385M CNY in FY2021, a compound +83.5%/yr. Reported net income was 1.3B CNY in FY2025.
Key figures
Market cap $682M · P/E ratio 3.5 · P/S ratio 1.05 · EPS (TTM) $4.20 · Net margin 29.9% · Return on equity 47.9% · Return on assets (EBIT) 3.7% · Operating margin 33.2%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 58 out of 100 (medium confidence).
What moves the price
The share trades about 42% below its 52-week high and 13% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Technology peers we cover trades at −8% fair-value upside, at 46%, YB screens cheaper than that median.
Fair Value models
Bear $10.28Fair Value $18.86Bull $30.80
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($3.18 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.100/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+33.1%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+72.6%
’21
’22
’23
’24
’25
What shareholders gained per year (last 3 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 3 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
−31.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year−31.6%
Dividend (yield on the price)0.0%
Profit margin 2021 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.−105% → 31%
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+5.9%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (figures in CNY, China: IMF forecast 1.7% a year to 2030, 1.4% from 2016 to 2025) that is about +4.1% a year for the price.
News mood ⓘNews mood, the average tone of recent news (27 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Hype
Recent news coverage is unusually upbeat, far more positive than stocks are typically covered.
Compare Yuanbao Inc. American Depositary Shares with another stock
Price, fair value, quality and upside side by side.
Free, no sign-up
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Software - Application · 685 stocks
Beats the industry median on 8/8 measures
Overall it ranks above its industry peers.
Valuation
Quality Score66 · Above median
Fair Value upside+46.0% · Top 25%
Profitability
Return on equity (TTM)47.9% · Top 25%
Return on assets21.3% · Top 25%
Net margin (TTM)29.7% · Top 25%
Operating margin (TTM)33.2% · Top 25%
Growth and dividend
Revenue growth35.6% · Top 25%
Valuation Multiplesvs Software - Application median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Yuanbao Inc. American Depositary Shares Fair Value". https://www.fairvalue-calculator.com/stock/YB
Frequently asked questions
Is Yuanbao Inc. (YB) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of $18.86 versus a price of $12.94, about +46% upside (undervalued).
What is the fair value of YB?
Our model-based fair value for Yuanbao Inc. American Depositary Shares is $18.86 (as of Sep 27, 2026), built from audited fundamentals. The current price: $12.94.
What is the quality score of YB?
Yuanbao Inc. American Depositary Shares has a Quality Score of 66/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Yuanbao Inc. (YB)?
Our model-based price target is the fair value of $18.86 (as of Sep 27, 2026) from 11 valuation models. Cautious scenario $10.28, optimistic scenario $30.80. It is a calculation from audited fundamentals, not an analyst target.
What is the Yuanbao Inc. American Depositary Shares stock forecast for 2026?
Our models put fair value at $18.86, about +46% upside versus a price of $12.94 (undervalued). Cautious scenario $10.28, optimistic scenario $30.80. The calculation is refreshed regularly with new filings.
What is the revenue of Yuanbao Inc. (YB)?
Yuanbao Inc. American Depositary Shares reported trailing-twelve-month revenue of about 4.7B CNY (latest available figure, as of Sep 27, 2026).
What growth is priced into Yuanbao Inc. (YB)?
For today's price to be fair in a discounted-cash-flow model, Yuanbao Inc. American Depositary Shares would have to grow free cash flow by +5.9 % per year for five years (discount rate 11.2 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 4 years revenue grew +83.5 % per year. As of Sep 27, 2026.
What discount rate (WACC) does the fair value of YB use?
Our models discount Yuanbao Inc. American Depositary Shares at 11.2 %: a base by market capitalisation (small), country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Yuanbao Inc. American Depositary Shares that is +5.9 % per year a year over ten years, using the same discount rate (11.2 %) and the same formula as our fair value.
How much growth has Yuanbao Inc. (YB) delivered so far?
Over the past 4 years revenue at Yuanbao Inc. American Depositary Shares grew +83.5 % a year. The price currently implies +5.9 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Yuanbao Inc. (YB) growing?
The median revenue growth in the sector is +9.3 % a year. That is the yardstick for the growth priced into Yuanbao Inc. American Depositary Shares (+5.9 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Yuanbao Inc. (YB)?
The free-cash-flow yield on the price is 6.15 %: that much free cash flow Yuanbao Inc. American Depositary Shares produces per unit of market value. When it exceeds the discount rate of our models (11.2 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Yuanbao Inc. (YB)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Yuanbao Inc. American Depositary Shares it is $18.86 per share (as of Sep 27, 2026), against a price of $12.94. It is the blended result of 11 valuation models (cash flow, earnings, asset, dividend).
Is Yuanbao Inc. American Depositary Shares stock overvalued or undervalued in 2026?
As of Sep 27, 2026, YB trades below its calculated fair value: price $12.94, fair value $18.86, a gap of about +46% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of YB?
No. The price is what the market pays today ($12.94); the fair value is what the company's own numbers justify ($18.86). For Yuanbao Inc. American Depositary Shares the two are $5.92 per share apart. That gap is exactly why we show both numbers side by side.
How much is Yuanbao Inc. American Depositary Shares worth?
The market values Yuanbao Inc. American Depositary Shares at about $682M (market capitalisation, as of Sep 27, 2026). Per share that is $12.94; our models calculate a fair value of $18.86 per share.
What do the bullish and bearish scenarios say about YB?
Our models span a range for Yuanbao Inc. American Depositary Shares: cautious scenario $10.28, base $18.86, optimistic $30.80 per share (as of Sep 27, 2026, price $12.94). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of YB?
Yuanbao Inc. American Depositary Shares trades at a price-to-earnings ratio of 3.5 (as of Sep 27, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $18.86 is built from several models across several years.
How solid is the balance sheet of Yuanbao Inc. (YB)?
Balance-sheet figures for Yuanbao Inc. American Depositary Shares (as of Sep 27, 2026): return on equity 47.9%. They feed the Quality Score of 66/100, which measures business quality independently of the share price.
How far is YB from its 52-week high?
Yuanbao Inc. American Depositary Shares trades at $12.94, about 42% below its 52-week high of $22.15 and 13% above the low of $11.42 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of $18.86 is for.
Which stocks are comparable to Yuanbao Inc. American Depositary Shares?
From the same area (Technology) we also value SAP SE, Salesforce, Inc, Shopify Inc, ServiceNow, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Yuanbao Inc. American Depositary Shares stock attractive at the current price?
The data as of Sep 27, 2026: price $12.94, calculated fair value $18.86 (+46%), Quality Score 66/100, from 11 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of YB calculated?
We run Yuanbao Inc. American Depositary Shares through 11 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $18.86, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Yuanbao Inc. American Depositary Shares currently trades 31 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Yuanbao Inc. (YB)?
The closing price on Oct 2, 2026 was $12.94. Our model-based fair value is $18.86, about +46% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Yuanbao Inc. American Depositary Shares right now?
The model range is unusually wide ($10.28 to $30.80). The outcome hinges heavily on assumptions, so read the point estimate with caution. Solid quality (66/100) at a price below fair value, the discount is the argument here, not the business quality.
Key figures of Yuanbao Inc. American Depositary Shares
How large is the market capitalisation of Yuanbao Inc. (YB)?
The market capitalisation of Yuanbao Inc. American Depositary Shares is $682M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Yuanbao Inc. (YB)?
The price-to-sales ratio of Yuanbao Inc. American Depositary Shares is 1.05 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Yuanbao Inc. (YB)?
Earnings per share at Yuanbao Inc. American Depositary Shares are $4.20 (price ÷ EPS = P/E 3.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Yuanbao Inc. (YB)?
The net margin of Yuanbao Inc. American Depositary Shares is 29.9% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Yuanbao Inc. (YB)?
The return on equity (ROE) of Yuanbao Inc. American Depositary Shares is 47.9% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Yuanbao Inc. (YB)?
On an EBIT basis the return on assets of Yuanbao Inc. American Depositary Shares is 3.7% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Yuanbao Inc. (YB)?
The operating margin of Yuanbao Inc. American Depositary Shares is 33.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Yuanbao Inc. (YB)?
Revenue at Yuanbao Inc. American Depositary Shares is growing +35.6% versus a year earlier (3y avg +72.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Yuanbao Inc. (YB)?
Earnings per share at Yuanbao Inc. American Depositary Shares are growing +24.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Yuanbao Inc. (YB) hold?
Yuanbao Inc. American Depositary Shares holds more cash than debt, 853M CNY net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
Free · no account needed
Watch Yuanbao Inc. American Depositary Shares in the live analysis
One click puts Yuanbao Inc. American Depositary Shares on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 35,000+ stock screener. You can also try 14 days of Pro there, no card.
Some data
Sep 27, 2026