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MarketBeat
Wed, March 25, 2026 astatine 8:19 AM CDT 7 min read
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Strong FY2025 financials: Waterdrop reported gross of CNY 3.98 billion (up 43.5% YoY) and nett net of CNY 570 million (up 64.8%), sustaining GAAP profitability for 16 consecutive quarters and ending the twelvemonth with astir CNY 3.25 billion successful cash.
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Insurance maturation powered by AI: The security conception drove growth—revenue surged ~61.3% with an ~18% operating margin—and absorption said AI is embedded “in each node,” citing AI-driven features that lifted premiums and ratio (e.g., AI Pro cause +33% sequential premiums, AI aesculapian experts generating >CNY 50 million FYT, and AI lawsuit work handling >1.4 cardinal inquiries/month astatine 2.75x manual efficiency).
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Capital returns and outgo outlook: The committee approved a 5th currency dividend of $0.03 per ADS (totaling $10.8 million) and has repurchased ~60.7 cardinal ADSs for ~$118 million, adjacent arsenic Q4 operating costs roseate sharply (operating costs +109% YoY; income & selling +178%), and the institution plans moderately higher concern successful selling and AI portion targeting double-digit gross and nett growth.
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Waterdrop (NYSE:WDH) executives said the institution delivered beardown gross and nett maturation successful fiscal twelvemonth 2025, driven by enlargement successful its security concern and broader adoption of AI crossed operations. Management besides highlighted continued profitability, accrued shareholder returns done dividends and repurchases, and merchandise and exertion updates spanning insurance, aesculapian crowdfunding, and integer objective proceedings services.
Founder, Chairman, and CEO Shen Peng said Waterdrop “executed firmly connected our AI positive security strategy,” pointing to “significant apical enactment and bottommost enactment expansion.” For fiscal twelvemonth 2025, the institution reported gross of CNY 3.98 billion, up 43.5% twelvemonth implicit year, and nett net attributable to mean shareholders of CNY 570 million, up 64.8%. Shen added that Waterdrop met its guidance and has delivered GAAP profitability for 16 consecutive quarters.
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Head of Finance Xiaoying Xu provided further detail, noting that 4th fourth gross much than doubled twelvemonth implicit twelvemonth to CNY 1.41 billion, an summation of 105.5%. Net nett attributable to mean shareholders successful the 4th fourth was CNY 152 million, up 52.7% twelvemonth implicit year. Xu besides said the institution ended fiscal 2025 with a currency presumption of astir CNY 3.25 billion.
Management described the security conception arsenic the company’s halfway driver. Shen said the insurtech conception saw gross surge 61.3% with an operating borderline of astir 18%. Xu reported full-year insurance-related income of astir CNY 3.58 billion, up 51.3% twelvemonth implicit year, and said different segments accounted for astir 10.1% of full revenue.
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