Yuanbao (ADR) (YB)
Connects insurance-carrier products with customers through online distribution and policy services.
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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
No analyst consensus on record.
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $770.5M · Total debt $245.9K · Total assets $893.6M · Shareholders' equity $564.9M
- Revenue
- $208.0M
- Operating income
- $67.4M
- Net income
- $61.7M
Reported in CNY, converted at the latest exchange rate
HistoryDividendAnnual yield
| Institutions | 61.83% | 4.75M ADS | |
|---|---|---|---|
| 23 holders · as of Jun 30, 2026 | |||
| Insiders | 63.66% | 4.89M ADS | |
| 8 holders · as of Sep 18, 2026 | |||
| Adds to | 125.49% | ||
7.68M ADS (1 ADS = 25 ordinary shares) as of Aug 21, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
These groups come from separate filings that can overlap, so they add to 125.49%; nothing is left for Other.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
Rui FangInsiderdirector, 10 percent owner, officer: Chief Executive Officer | 55.62% | 115,150 ADS · 82.13M ordinary · 21.80M ordinary | filed Sep 18, 2026 |
Susquehanna International Group, LLPInstitution | 39.51% | 3.04M ADS | as of Jun 30, 2026 |
Franchise GP LtdInstitution | 15.81% | 1.21M ADS | as of Jun 30, 2026 |
Ying Dana LiInsiderdirector, officer: Chief Operating Officer | 3.82% | 9,230 ADS · 7.10M ordinary | filed Sep 18, 2026 |
Bo Ethan WangInsiderofficer: Chief Technology Officer | 3.34% | 4,709 ADS · 6.30M ordinary | filed Sep 18, 2026 |
Insider tradesForm 4
No open-market trades in the last 12 months.
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Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Yuanbao (ADR) | $12.16 | −1.58% | $94.9M | 0.6 | — | 0.1 | +35.6% |
| Waterdrop (ADR) | $1.06 | −0.47% | $383.4M | 0.7 | — | 0.5 | +82.4% |
| Huize (ADR) | $1.42 | +0.71% | $711.5K | 0.2 | — | 0.0 | +91.4% |
| Cheche Group | $12.60 | +1.53% | $29.3M | — | — | 0.1 | −30.2% |
| Median | 0.4 | — | 0.1 | +82.4% |