Is RDZN or WDH more undervalued in 2026?

CirclFi compares Roadzen, Inc. (RDZN) and Waterdrop Inc. (WDH) using 13 institutional-grade valuation models. RDZN has a Quality of Company score of 4.2/10 while WDH scores 8.8/10.

Which is a better buy — RDZN or WDH?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do RDZN and WDH valuations compare?

RDZN at $1.88 and WDH at $1.53 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

RDZN vs WDH Valuation Comparison 2026 — Intrinsic Value Analysis

RDZN

Insurance Agents, Brokers & Service

Roadzen, Inc.

Quality

4.2

out of 10

Value Trap

LOW

Price

$1.88

Last close

Models

7/13

Active

WDH

Insurance Agents, Brokers & Service

Waterdrop Inc.

Quality

8.8

out of 10

Value Trap

SAFE

Price

$1.53

Last close

Models

13/13

Active

Model-by-Model Comparison

Model	Type	RDZN Fair Value	RDZN Upside	WDH Fair Value	WDH Upside
Bayesian DCF	Intrinsic	$0.33	-82.6%	$1.74	+13.4%
Earnings Power Value	Intrinsic	—	—	$1.62	+6.0%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$2.22	+18.1%	$2.21	+44.2%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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RDZN vs WDH — Which Stock Is More Undervalued?

WDH scores higher with a 8.8/10 quality rating vs RDZN's 4.2/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Roadzen, Inc. (RDZN) and Waterdrop Inc. (WDH) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

RDZN currently trades at $1.88 with a QOC of 4.2/10, while WDH trades at $1.53 with a QOC of 8.8/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).