Critical Survey: Yuanbao (YB) & Its Peers

Yuanbao (NASDAQ:YB) is one of 58 publicly-traded companies in the “INS – MULTI LINE” industry, but how does it compare to its rivals? We will compare Yuanbao to similar businesses based on the strength of its risk, valuation, institutional ownership, earnings, profitability, dividends and analyst recommendations.

Insider & Institutional Ownership

63.6% of shares of all “INS – MULTI LINE” companies are owned by institutional investors. 9.6% of shares of all “INS – MULTI LINE” companies are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Earnings & Valuation

This table compares Yuanbao and its rivals gross revenue, earnings per share and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
Yuanbao	$456.88 million	$120.44 million	12.96
Yuanbao Competitors	$20.27 billion	$1.58 billion	93.56

Yuanbao’s rivals have higher revenue and earnings than Yuanbao. Yuanbao is trading at a lower price-to-earnings ratio than its rivals, indicating that it is currently more affordable than other companies in its industry.

Profitability

This table compares Yuanbao and its rivals’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Yuanbao	N/A	N/A	N/A
Yuanbao Competitors	10.90%	10.81%	2.86%

Analyst Ratings

This is a breakdown of recent recommendations for Yuanbao and its rivals, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Yuanbao	0	1	0	0	2.00
Yuanbao Competitors	365	2222	3009	136	2.51

As a group, “INS – MULTI LINE” companies have a potential upside of 19.68%. Given Yuanbao’s rivals stronger consensus rating and higher probable upside, analysts clearly believe Yuanbao has less favorable growth aspects than its rivals.

Summary

Yuanbao rivals beat Yuanbao on 12 of the 12 factors compared.

About Yuanbao

Our mission is to protect health and well-being through technology. We are a leading technology-driven online insurance distributor in China. We take pride in pioneering the seamless integration of insurance with cutting-edge technologies, and have constructed a highly efficient full consumer service cycle engine. Through this engine, we successfully distribute suitable and high-quality insurance products to over ten million insurance consumers. According to Frost & Sullivan, we were the largest independent insurance distributor in China’s personal life and accident & health (A&H) insurance market in terms of first year premiums in 2023. Our engine enables us to provide customized services for each insurance consumer across personalized recommendation, purchasing, policy management, claim settlements and post-sales services. Built upon a scalable architecture, our engine is equipped with effective predictive capabilities generated from interconnected networks of models. This allows us to continually optimize model outcomes across different media channels, diverse consumer preferences and product depth and breadth. As of December 31, 2024, we had approximately 4,700 models supporting our operations. Our engine offers significant value propositions for insurance consumers and insurance carriers. We act as a unique and efficient gateway to distribute customized insurance products underwritten by our partnered insurance carriers. We have robust collaboration with insurance carriers by empowering them to tailor a variety of flagship insurance products, which in turn enables us to attract and retain a vast consumer base and stimulate their demand for insurance products. By accumulating and analyzing more big data, we gain deeper and wider understanding of consumer demands and behavior. Through all this, we are able to fulfill consumers’ evolving needs and enhance insurance carriers’ sales at the same time. We believe there is substantial untapped market potential for online insurance distribution. According to Frost & Sullivan, the penetration rate of online insurance sales still lags behind the penetration rate of online retail sales. Moreover, the penetration rate of online distribution for personal life and A&H insurance in China, in terms of gross written premium (“GWP”), is anticipated to double over the next five years. Driven by our engine and our market leading position, we are well-positioned to further penetrate this rapidly growing market. Our principal executive offices are located in Beijing, the People’s Republic of China.