# Yuanbao Inc. American (YB) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Insurance. Price $13.72, market value $632 million.

## Valuation
- **P/E (trailing): 3.2×** (5-yr avg 4.1×, 3-yr avg 4.1×). Yuanbao Inc. American trades at 3.2× trailing earnings, well below its own five-year average of 4.1×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 2.8×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.06**. A PEG of 0.06 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 0.9×**. Each dollar of revenue is priced at 0.9×, a low multiple typical of thin-margin businesses or out-of-favour stocks.
- **Price / book: 1.1×**. The shares trade at 1.1× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 34.8%** (5-yr avg 27.6%). Free cash flow equals 34.8% of the market value, above its five-year average of 27.6%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 30.8%**. The inverse of the P/E: 30.8% of the price is earned each year.

## Profitability
- **Operating margin: 31.5%**. 31.5% of revenue is left after running the business, an exceptional level.
- **Net margin: 29.9%**. 29.9% of each dollar of sales reaches the bottom line.
- **Return on equity: 39.1%**. 39.1% on shareholders' equity is excellent if it is not driven by leverage; sustained above 20% usually signals a competitive advantage.
- **Return on assets: 30.1%**. Each dollar of assets produces 30.1% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 33.1%**. Revenue grew 33.1% over the last year.
- **EPS growth (1 yr): 43.3%**. Earnings per share rose 43.3%, faster than revenue, so margins expanded or the share count shrank.

## Financial health
- **Piotroski F-score: 4/9**. 4 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 9.18%** ($1.26 per share, trailing). Yuanbao Inc. American yields 9.18%, high enough to check carefully: yields this high often precede a cut.

## Price and momentum
- **Total return (1 yr): -34.3%** (YTD -26.6%, 3-mo 1.4%). The shares are down 34.3% over twelve months including dividends.
- **From 52-week high: -47.2%** (14.2% above the low). Trading 47% below its 52-week high, deep in a drawdown.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 50**. An RSI of 50 is neutral.
- **Beta (1 yr): 0.64** (volatility 55%). Beta of 0.64 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=YB · Page: https://foliofundamentals.com/stocks/yb

Not investment advice.