Waterdrop Inc. Announces Second Quarter 2025 Unaudited Financial Results and a Cash Dividend, Net profit rises 58.7% year-on-year
Waterdrop Inc. (NYSE: WDH) reported strong Q2 2025 financial results, with net operating revenue reaching RMB 838.0 million, up 23.9% year-over-year. The company's net profit surged 58.7% to RMB 140.2 million, marking its 14th consecutive profitable quarter.
The insurance business showed exceptional performance with first-year premiums increasing 80.2% to RMB 3,204.3 million. Operating profit from insurance reached RMB 170.9 million, up 39% YOY. The company enhanced its product portfolio with innovative offerings, including the industry's first Million Medical Insurance policy with no health declaration requirement.
The board approved an enhanced cash dividend of US$10.9 million, a 50% increase over the previous dividend. The company's AI initiatives, including 'KEYI.AI' and Waterdrop Guardian, have significantly improved operational efficiency and user experience.
Waterdrop Inc. (NYSE: WDH) ha pubblicato solide performance finanziarie nel secondo trimestre 2025: i ricavi operativi netti hanno raggiunto RMB 838,0 milioni, in crescita del 23,9% su base annua. L'utile netto è aumentato del 58,7% arrivando a RMB 140,2 milioni, segnando il quattordicesimo trimestre consecutivo in utile.
Il ramo assicurativo ha registrato risultati eccezionali: i premi del primo anno sono saliti dell'80,2% a RMB 3.204,3 milioni. L'utile operativo assicurativo è stato pari a RMB 170,9 milioni, con un incremento del 39% su base annua. L'azienda ha ampliato l'offerta prodotti con soluzioni innovative, tra cui la prima polizza Million Medical senza obbligo di dichiarazione dello stato di salute.
Il consiglio ha approvato un dividendo in contanti maggiorato di US$10,9 milioni, +50% rispetto al dividendo precedente. Le iniziative legate all'intelligenza artificiale, come 'KEYI.AI' e Waterdrop Guardian, hanno migliorato in modo significativo l'efficienza operativa e l'esperienza utente.
Waterdrop Inc. (NYSE: WDH) presentó sólidos resultados financieros del 2T 2025: los ingresos operativos netos alcanzaron RMB 838,0 millones, un aumento interanual del 23,9%. El beneficio neto se incrementó un 58,7% hasta RMB 140,2 millones, consiguiendo el decimocuarto trimestre consecutivo con ganancias.
El negocio de seguros brilló especialmente: las primas del primer año aumentaron un 80,2% hasta RMB 3.204,3 millones. El beneficio operativo del segmento asegurador fue de RMB 170,9 millones, +39% interanual. La compañía reforzó su cartera con productos innovadores, incluida la primera póliza Million Medical de la industria sin necesidad de declaración de salud.
La junta aprobó un dividendo en efectivo mejorado de US$10,9 millones, un 50% más que el dividendo previo. Las iniciativas de IA, como 'KEYI.AI' y Waterdrop Guardian, han aumentado notablemente la eficiencia operativa y la experiencia de usuario.
Waterdrop Inc. (NYSE: WDH)는 2025년 2분기 견고한 실적을 발표했습니다. 순영업수익은 RMB 838.0백만으로 전년 동기 대비 23.9% 증가했습니다. 당기순이익은 58.7% 증가한 RMB 140.2백만으로, 14분기 연속 흑자를 기록했습니다.
보험 사업이 특히 우수한 성과를 보였으며, 1년차 보험료는 80.2% 증가한 RMB 3,204.3백만을 기록했습니다. 보험 영업이익은 RMB 170.9백만으로 전년 대비 39% 증가했습니다. 회사는 업계 최초의 건강 상태 표시가 없는 Million Medical 보험을 포함해 혁신적 상품을 통해 제품 포트폴리오를 강화했습니다.
이사회는 현금 배당액을 미화 1,090만 달러(US$10.9 million)으로 증액 승인했으며, 이는 이전 배당 대비 50% 증가한 수준입니다. 'KEYI.AI'와 Waterdrop Guardian 등 AI 이니셔티브는 운영 효율성과 사용자 경험을 크게 개선했습니다.
Waterdrop Inc. (NYSE: WDH) a publié de solides résultats financiers pour le 2e trimestre 2025 : le chiffre d'affaires d'exploitation net s'est élevé à RMB 838,0 millions, en hausse de 23,9% en glissement annuel. Le bénéfice net a bondi de 58,7% à RMB 140,2 millions, marquant le 14e trimestre consécutif bénéficiaire.
Le secteur assurance a particulièrement bien performé : les primes de première année ont augmenté de 80,2% pour atteindre RMB 3 204,3 millions. Le résultat d'exploitation assurance a atteint RMB 170,9 millions, soit +39% sur un an. La société a enrichi sa gamme avec des produits innovants, dont la première police Million Medical du secteur sans déclaration de santé requise.
Le conseil d'administration a approuvé un dividende en espèces amélioré de 10,9 millions de dollars US, soit une hausse de 50% par rapport au dividende précédent. Les initiatives d'IA, telles que 'KEYI.AI' et Waterdrop Guardian, ont considérablement amélioré l'efficacité opérationnelle et l'expérience utilisateur.
Waterdrop Inc. (NYSE: WDH) meldete starke Finanzergebnisse für das 2. Quartal 2025: der Nettobetriebsumsatz belief sich auf RMB 838,0 Millionen, ein Anstieg von 23,9% gegenüber dem Vorjahr. Der Nettogewinn stieg um 58,7% auf RMB 140,2 Millionen und markiert das 14. Quartal in Folge mit Gewinn.
Das Versicherungsgeschäft zeigte herausragende Ergebnisse: die Erstjahresprämien stiegen um 80,2% auf RMB 3.204,3 Millionen. Das operative Ergebnis im Versicherungsbereich erreichte RMB 170,9 Millionen, ein Plus von 39% gegenüber dem Vorjahr. Das Unternehmen hat sein Produktangebot um innovative Policen erweitert, darunter die branchenweit erste Million Medical-Versicherung ohne Gesundheitsangabe.
Der Vorstand genehmigte eine erhöhte Bardividende von US$10,9 Millionen, eine Steigerung von 50% gegenüber der vorherigen Ausschüttung. KI-Initiativen wie 'KEYI.AI' und Waterdrop Guardian haben die operative Effizienz und das Nutzererlebnis deutlich verbessert.
- Net profit increased by 58.7% year-over-year to RMB 140.2 million
- Insurance first-year premiums grew 80.2% YOY to RMB 3,204.3 million
- Operating expenses decreased by 6.4 percentage points year-on-year
- Cash dividend increased by 50% to US$10.9 million
- Insurance business operating profit up 39% YOY to RMB 170.9 million
- AI-driven sales showed 155% growth in monthly premiums quarter-over-quarter
- None.
Insights
Waterdrop's Q2 results show strong growth in revenue, profit, and insurance premiums, with increased dividends signaling management confidence.
Waterdrop Inc. has delivered impressive financial results for Q2 2025, with
The company's operational efficiency has improved significantly, with operating expenses dropping to
Insurance business performance was particularly strong, with revenue of
The board's approval of a enhanced cash dividend of
The Digital Clinical Trial Solution is emerging as a growth driver, with revenues increasing
Waterdrop's strategic focus on AI integration is yielding measurable results, with AI-facilitated monthly premiums up
Waterdrop's insurance business shows exceptional growth with innovative product development and AI integration driving premium increases.
Waterdrop's insurance segment performance showcases remarkable growth metrics that outpace industry averages. The
What's particularly notable is Waterdrop's product innovation strategy targeting underserved segments. The introduction of the industry's first Million Medical Insurance policy with no health declaration and five-year guaranteed renewal represents a significant breakthrough in accessibility. By extending coverage to individuals with chronic or subhealth conditions and offering renewability up to age 105, Waterdrop is expanding the addressable market while likely commanding premium pricing for these unique features.
The "Jie Hao Yun" maternity insurance upgrade to version 6.0 shows continuous product iteration while addressing a critical protection gap by covering mothers with pre-existing conditions. This targeted product development approach for specialized customer segments (maternity, disability, pre-existing conditions) indicates sophisticated underwriting capabilities and risk assessment models.
The integration of AI throughout the insurance distribution process is yielding tangible results, with monthly premiums facilitated by the 'AI Medical Insurance Expert' climbing
Since announcing its first share repurchase program in September 2021, As of August 31, 2025, Waterdrop has repurchased approximately 55.7 million American Depositary Shares (ADSs) from the open market. The board of directors of the company has recently approved an enhanced cash dividend of
Insurance Business: First-year premiums increased by
Waterdrop's insurance-related revenue amounted to
The insurance business delivered an exceptional quarter. Year-over-year, FYP grew by
On the product supply side, Waterdrop Insurance Marketplace has continued to expand its range of insurance offerings. It introduced the industry's first Million Medical Insurance policy with no health declaration required and guaranteed renewal for five consecutive years, making it accessible even to those with chronic or subhealth conditions, and renewable up to age 105. The maternity insurance product "Jie Hao Yun", custom-developed by Waterdrop, has been upgraded to version 6.0, becoming the first maternity insurance in the industry to cover mothers with pre-existing conditions. Additionally, Waterdrop's suite of insurance products for people with pre-existing conditions has significantly lowered the barrier to entry for users. Moreover, the company's disability insurance products reflecting strong user adoption.
Waterdrop Medical Crowdfunding cumulatively Raised
During the quarter, Waterdrop Medical Crowdfunding upheld its mission of "saving lives" with remarkable success. As of June 30, 2025, around 480 million people cumulatively donated an aggregate of
This quarter, Waterdrop Medical Crowdfunding partnered with
E-Find Platform enrolled 999 patients this quarter
Waterdrop's Digital Clinical Trial Solution has maintained its growth in the second quarter of 2025, generating revenues of approximately
In this quarter, E-Find Platform expanded its collaboration to 198 pharmaceuticals and contract research organizations. Meanwhile, E-Find Platform initiated services for 114 new programs. The number of patients enrolled also reached a historic high, as 999 patients were enrolled in the second quarter.
FYP Facilitated by AI Medical Insurance Expert climbed
"Waterdrop Guardian" AI Application Suite constantly evolves, either interacting directly with end users or supercharging the online consultants behind the scenes. Monthly premiums facilitated by 'AI Medical Insurance Expert' climbed
During the second quarter, Waterdrop Medical Crowdfunding upgraded its risk assessment capabilities. A large-language-model ("LLM") engine now scans every campaign's content, comments and hidden clues, feeds insights into a smart matrix that tracks 15 high-risk scenarios, and refines itself to identify risks more accurately.
Mr. Peng Shen, Founder, Chairman, and Chief Executive Officer of Waterdrop, commented, "We are pleased to announce that we have achieved robust top-line and bottom-line growth, driven by the deeper integration of AI into our sales and service processes. As a result, the company's revenue and profit both experienced double-digit growth in Q2. Looking forward to the second half of 2025, the company will continue to uphold the principle of "Tech for good", fully embrace AI, and keep on providing long-term value for our users, partners, and shareholders!"
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SOURCE Waterdrop Inc.
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