YB
Strong BuyUnloved QualityAI neutralYuanbao Inc. · Technology · China · $528M cap · $356K/day traded
$10.96 -2.1% · close 2 Nov · scored 3 Nov
Unloved Quality: Strong and cheap, but the market has not warmed to it.
As of 3 Nov 2026, MoatMap's StockRank for Yuanbao Inc. (YB) is 99/100, ranked against 24,000+ stocks in 35 markets (Quality 93, Value 86, Momentum 39, each scored against its sector).
Does StockRank work? Each month we publish how each tenth of the ranking did, whichever way it went. See the record →
Yuanbao is an online insurance distribution platform in China utilizing digital matchmaking and proprietary consumer analytics, backed by solid cash reserves and discounted cash flow metrics. However, recent momentum has been soft following regulatory adjustments in domestic online insurance brokerage, requiring clearer proof of sustained volume recovery.
ABOUT YUANBAO INC.
Read
Yuanbao Inc. develops and operates specialized software applications, likely focusing on mobile platforms or enterprise solutions within the competitive Chinese market. The company benefits from a deep understanding of local market and user preferences, potentially leveraging a strong user base or strategic partnerships in its target niche. Yuanbao is a localized software application provider, operating within the competitive Chinese digital landscape.
FINANCIAL SUMMARY (USD)
Reported in CNY
| Year | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | 126.6M | 289.4M | 457.1M | 608.6M | 68.8% | 757.6M | — | — | — |
| EPS | -4.19 | -12.01 | -8.73 | 11.24 | 66.21 | 489.2% | 4.44 | 74.33 | 82.99 | 7.8% |
| Shares | — | 32.4M | 32.4M | 32.4M | 32.4M | 0.0% | 32.4M | — | — | — |
| Debt | — | 3.5M | 4.4M | 2.6M | 1.1M | -31.2% | 0.2M | — | — | — |
| Equity | — | 82.5M | 120.1M | 244.9M | 478.3M | 79.6% | — | — | — | — |
| Op CF | — | 13.1M | 62.5M | 168.1M | 208.1M | 151.6% | 223.6M | — | — | — |
| Inv CF | — | -32.6M | -6.4M | -21.9M | -378.9M | — | — | — | — | — |
| Fin CF | — | 0 | 2.6M | -1.3M | 27.4M | — | — | — | — | — |
Made a new 52-week low in the latest session, 50% below its 52-week high. The fall has not stopped yet.
Swung more than 63% of stocks we rank over the past year (volatility 50% a year).
How this is worked out
StockRank weighs the business, its price and its trend. The price check reads only the chart: the price side of the Momentum score, in words.
The rules: Still falling is a new 52-week low in the last two weeks, at least 25% below the high. Finding a floor is no new low since. Turning up is 20 or more trading days without a new low, at least 10% off it, and back above a rising 50-day average. In an uptrend is above the 200-day average and within 15% of the high.
In 2,112 US drawdowns since 2001, buying while the price was still falling was followed by a further 20% drop 42% of the time. Waiting for a turn (the Turning up rule above) cut that to 33%, at about 7% higher prices and with no better returns. Part of that cut is simply not buying: 13% of falls never turned, and waiting kept those out. Among turns that were bought, 38% still fell another 20%, and 33% of turns were followed by a new low within six months. The benefit was largest in crashes such as 2008 and 2020.
What it measures: how much the price moved day to day over the past year, scaled to a yearly figure (annualised volatility) and ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Technology, ranked by industry match, size, and score similarity. Cross-listings of YB are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| YB | Yuanbao Inc.(you) | $528M | 99 | Strong Buy |
| 1450.HK | Be Friends Holding Limited | $88M | 98 | Strong Buy |
| 9878.HK | Huitongda Network Co., Ltd. | $485M | 62 | Hold |
| 1588.HK | Chanjet Information Technology Company Limited | $184M | 80 | Strong Buy |
| 603383.SS | Fujian Apex Software Co.,LTD | $865M | 60 | Hold |
| 300532.SZ | New Trend International Logis-Tech Co.,Ltd. | $676M | 53 | Hold |
| 301339.SZ | Jiangsu Communications Digital Technology Group Co., Ltd. | $954M | 58 | Hold |
| 6687.HK | JST Group Corporation Limited | $547M | 43 | Hold |
| 1675.HK | AsiaInfo Technologies Limited | $426M | 44 | Hold |
| 688588.SS | Linkage Software Co., LTD | $526M | 37 | Hold |
Peer medians: ROE 3.7% · P/E 47.6x · Gross margin 26.0%
Company Deep Dive
A 10,000-word report: the business and its segments, what management promised on earnings calls and whether it delivered, the competition, and how things could turn out.