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WaterdropWDH +1.30%61 Cash-to-Debt is 4.14 as of Jun. 2026, which is 89% below its 10-year median of 36.88. GuruFocus rates WDH with a GF Score™ of 61/100 and a GF Value™ of $2.32 (Possible Value Trap). The stock has 6 warning signs investors should review. Among 496 Insurance companies, Waterdrop ranks better than 52.22% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Waterdrop's cash to debt ratio for the quarter that ended in Jun. 2026 was 4.14.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, Waterdropcould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Waterdrop's Cash-to-Debt or its related term are showing as below:
WDH'
s Cash-to-Debt Range Over the Past 10 Years
Min: 2.5 Med: 36.88 Max: 263.45
Current: 2.5
During the past 8 years, Waterdrop's highest Cash to Debt Ratio was 263.45. The lowest was 2.50. And the median was 36.88.
WDH's Cash-to-Debt is ranked better than 52.22% of 496
companies
in the Insurance industry
Industry Median: 2.115
vs WDH: 2.50
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Waterdrop Cash-to-Debt Related Terms
Waterdrop Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Waterdrop's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Insurance - Diversified subindustry, Waterdrop's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Waterdrop Cash-to-Debt vs Insurance Industry
For the Insurance industry and Financial Services sector, Waterdrop's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Waterdrop's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Waterdrop (WDH) has a Cash-to-Debt of 4.14 as of Jun. 2026. This is 89% below median its historical median of 36.88. Over the past decade, Waterdrop's Cash-to-Debt has ranged from 2.50 to 263.45. According to the industry distribution chart, Waterdrop ranks #237 out of 496 companies in the Insurance industry, placing it in the top 47.8%.
Is Waterdrop's Cash-to-Debt too high?
Waterdrop's current Cash-to-Debt of 4.14 is 89% below median its 10-year median of 36.88. Over the past 10 years, this metric has ranged from a low of 2.50 to a high of 263.45. The Insurance industry median Cash-to-Debt is 2.12. Waterdrop's value of 4.14 is 95.7% above this industry median. Based on the distribution chart, Waterdrop ranks #237 out of 496 companies in the Insurance industry, which is above the industry midpoint. Overall, Waterdrop has a GF Score™ of 61/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Waterdrop's Cash-to-Debt compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Waterdrop ranks #237 out of 496 companies for Cash-to-Debt. This puts Waterdrop in the upper half of its industry. The industry median Cash-to-Debt is 2.12. Waterdrop's value of 4.14 is 95.7% above this benchmark. Historically, Waterdrop's own Cash-to-Debt has ranged from 2.50 to 263.45 over the past decade. While the company's 10-year median is 36.88 vs. the industry median of 2.12, Waterdrop has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for an Insurance company?
The median Cash-to-Debt among Insurance companies is 2.12, based on 496 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Waterdrop's current Cash-to-Debt of 4.14 is 95.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Insurance industry, the median Cash-to-Debt is 2.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Waterdrop's current Cash-to-Debt is 4.14, which is 89% below median its own 10-year median of 36.88. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Waterdrop stock overvalued right now?
Based on GuruFocus' analysis, Waterdrop (WDH) is currently considered Possible Value Trap. The stock's GF Value™ is $2.32, compared to a current price of $1.02 — trading 55.9% below its estimated fair value. The current Cash-to-Debt is 4.14, which is 89% below median its 10-year median of 36.88 and 95.7% above the Insurance industry median of 2.12. Waterdrop's overall GF Score™ is 61/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Waterdrop (WDH), the current Cash-to-Debt is 4.14 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Waterdrop (WDH) Overvalued in 2026?
Based on GuruFocus' analysis, Waterdrop stock appears to be undervalued.
The current stock price of $1.02 is trading 55.9% below its estimated GF Value™ of $2.32.
GuruFocus considers Waterdrop to be Possible Value Trap.
Key valuation signals for WDH:
Cash-to-Debt: 4.14 (89% below median its 10-year median of 36.88)
GF Value™: $2.32 vs. price of $1.02 (55.9% below fair value)
Industry Position: 95.7% above the Insurance median (#237 of 496)
No single metric tells the full story. See the WDH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Waterdrop Inc is a technology platform dedicated to insurance and healthcare service. The Company is mainly engaged in operating an independent third-party insurance platform dedicated to providing insurance and healthcare service. The Companies main businesses are the insurance marketplace, medical crowdfunding, and mutual aid. The companies reportable segments are Insurance, Crowdfunding and Others.
61GF Score
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