Zhi Tong Cai Jing·2025-12-30 07:06Core Viewpoint - Waterdrop Inc. has demonstrated strong performance in Q3 2025, indicating a transition into a high-quality growth phase, supported by its AI strategy and shareholder return policies [1][2] Financial Performance - In Q3 2025, Waterdrop achieved a net operating revenue of 975 million yuan, a significant year-on-year increase of 38.4% [1] - The net profit attributable to shareholders reached 158 million yuan, reflecting a year-on-year growth of 60.1%, with the net profit margin expanding from 14.1% to 16.3% [1] AI Strategy and Implementation - The dual acceleration of revenue and profit in Q3 validates the effectiveness of Waterdrop's AI strategy, with the "AI Medical Insurance Expert" driving a remarkable 82% quarter-on-quarter increase in premium scale [2] - The introduction of the industry's first AI underwriting assistant, "KEYI.AI," has reduced complex case processing time from minutes to seconds, achieving an accuracy rate of 99.8% [2] - Waterdrop has launched the "Waterdrop Sea. AI" low-code platform, enabling employees to quickly build AI solutions, thereby reducing R&D and operational marginal costs [2] Management Insights - The CEO of Waterdrop emphasized that AI technology is the core driver for enhancing business quality and efficiency, leading to double-digit growth in revenue and profit [2] - The company aims to leverage technological advancements to deepen the integration and innovative application of AI across its business chain, ensuring long-term value for users, partners, and shareholders [2]