Waterdrop Inc. (WDH) Financial Ratio Screen
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MSCI new-inclusion financial-ratio snapshot
WDH financial screening at a glance
Calculation date: 2026-08-31. Financial period used: December 2024. The ratios are automated proxies inspired by published methodologies; they are not official index determinations.
Independent method comparison
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Business activity evidence
Business exclusion flag
The supplied classification (Insurance - Diversified) matches a prohibited-activity category.
Revenue segments: Not yet checked against an SEC annual filing.
Profile description reviewed: Waterdrop Inc., through its subsidiaries, provides online insurance brokerage services to match and connect users with related insurance products underwritten by insurance companies in the People's Republic of China. The company offers short-term and long-term health and life insurance products and services. It also operates a medical crowdfunding platform; and E-Find, a clinical trial patient recruitment platform for pharmaceutical companies to find matches for clinical trials. In addition, the company provides technical services to insurance brokerage or agency companies through customer relationship management system. Waterdrop Inc. was founded in 2016 and is headquartered in Beijing, the People's Republic of China.
Sources to verify: Secondary company profile and classification · Issuer website · SEC issuer filings
A sector label or company description can flag a risk but cannot establish a compliant-revenue percentage. Only sourced segment disclosures may support that calculation.
Published-ratio reproductions (not certifications)
The table shows implemented MSCI and FTSE/Yasaar-style asset-based models plus a provisional S&P-style leverage reconstruction where a complete 36-month denominator exists. These are independent calculations, not official index results or Shariah determinations. See formulas, sources and limitations.
Based on financial data from December 2024
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| MSCI | Excluded — Insurance - Diversified | BUSINESS EXCLUSION FLAG* | |||
| FTSE | Excluded — Insurance - Diversified | BUSINESS EXCLUSION FLAG* | |||
Financial Highlights
Profitability
| Gross Margin | 51.1% | |
| Operating Margin | 5.9% | |
| Net Margin | 14.3% | |
| Return on Equity (ROE) | 11.3% | |
| Return on Assets (ROA) | 3.4% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $437M |
| Free Cash Flow | $219M |
| Total Debt | $244M |
| Debt-to-Equity | 1.4 |
| Current Ratio | 2.1 |
| Total Assets | $6.5B |
Price & Trading
| Last Close | $1.63 |
| 50-Day MA | $1.75 |
| 200-Day MA | $1.74 |
| Avg Volume | 293K |
| Beta | -0.3 |
|
52-Week Range
$1.16
| |
Financial data provenance and verification
The displayed fields were imported from yfinance on 2026-03-29 for the financial period December 2024. This is a secondary data feed and can differ from amended or newly filed statements.
- Issuer website — use its investor-relations filings to verify the figures.
- SEC EDGAR filing search — primary filing source for US issuers.
- Field mapping, formulas and limitations.
Verification rule: check debt, cash, receivables, revenue and interest income against the latest primary filing before relying on an automated ratio.
About Waterdrop Inc. (WDH)
Waterdrop Inc., through its subsidiaries, provides online insurance brokerage services to match and connect users with related insurance products underwritten by insurance companies in the People's Republic of China. The company offers short-term and long-term health and life insurance products and services. It also operates a medical crowdfunding platform; and E-Find, a clinical trial patient recruitment platform for pharmaceutical companies to find matches for clinical trials. In addition, the company provides technical services to insurance brokerage or agency companies through customer relationship management system. Waterdrop Inc. was founded in 2016 and is headquartered in Beijing, the People's Republic of China.
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Frequently Asked Questions
Is Waterdrop Inc. (WDH) halal to invest in?
The current automated result is Financial criteria not met or an activity exclusion was detected. It uses available public financial fields and simplified methodology proxies. It is not a fatwa or an official determination by AAOIFI, DJIM, MSCI, S&P, or FTSE.
What is Waterdrop Inc.'s debt ratio?
Waterdrop Inc.'s debt ratio is not available in the MSCI new-inclusion reproduction: total debt divided by total assets, against a 30% threshold. See the methodology page for the official source and limitations.
What are Waterdrop Inc.'s key financial metrics?
Waterdrop Inc. has a market capitalization of USD 587M in its listing currency, trailing P/E ratio of 7.2, and revenue of $2.8B. The company maintains a gross margin of 51.1% and a net margin of 14.3%. Return on equity stands at 11.3%.
How often is the screening data updated?
Calculation date: 2026-08-31. Financial period: December 2024. These dates are shown separately because regenerating this page does not refresh the underlying data.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.