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YIREN DIGITAL LTD - SPS ADR (YRD) Stock Fundamental Analysis

NYSE:YRD - New York Stock Exchange, Inc. - US98585L1008 - ADR - Currency: USD

6.76  -0.67 (-9.02%)

Fundamental Rating

6

YRD gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 52 industry peers in the Consumer Finance industry. YRD scores excellent points on both the profitability and health parts. This is a solid base for a good stock. YRD is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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9

1. Profitability

1.1 Basic Checks

YRD had positive earnings in the past year.
In the past year YRD had a positive cash flow from operations.
YRD had positive earnings in 4 of the past 5 years.
YRD had a positive operating cash flow in each of the past 5 years.
YRD Yearly Net Income VS EBIT VS OCF VS FCFYRD Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B -2B -4B

1.2 Ratios

YRD has a better Return On Assets (12.19%) than 90.38% of its industry peers.
The Return On Equity of YRD (16.58%) is better than 63.46% of its industry peers.
The Return On Invested Capital of YRD (12.50%) is better than 82.69% of its industry peers.
YRD had an Average Return On Invested Capital over the past 3 years of 18.52%. This is significantly above the industry average of 10.33%.
The 3 year average ROIC (18.52%) for YRD is well above the current ROIC(12.50%). The reason for the recent decline needs to be investigated.
Industry RankSector Rank
ROA 12.19%
ROE 16.58%
ROIC 12.5%
ROA(3y)15.47%
ROA(5y)9.89%
ROE(3y)20.71%
ROE(5y)13.04%
ROIC(3y)18.52%
ROIC(5y)N/A
YRD Yearly ROA, ROE, ROICYRD Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -100 -200 -300 -400

1.3 Margins

YRD's Profit Margin of 27.25% is amongst the best of the industry. YRD outperforms 90.38% of its industry peers.
In the last couple of years the Profit Margin of YRD has grown nicely.
YRD has a Operating Margin of 28.37%. This is amongst the best in the industry. YRD outperforms 82.69% of its industry peers.
YRD's Operating Margin has improved in the last couple of years.
With an excellent Gross Margin value of 84.79%, YRD belongs to the best of the industry, outperforming 80.77% of the companies in the same industry.
YRD's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 28.37%
PM (TTM) 27.25%
GM 84.79%
OM growth 3Y-0.43%
OM growth 5Y14.11%
PM growth 3Y5.71%
PM growth 5Y15.65%
GM growth 3Y0.71%
GM growth 5Y-1.71%
YRD Yearly Profit, Operating, Gross MarginsYRD Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 40 60 80

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8

2. Health

2.1 Basic Checks

YRD has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
Compared to 1 year ago, YRD has more shares outstanding
Compared to 5 years ago, YRD has more shares outstanding
YRD has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
YRD Yearly Shares OutstandingYRD Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M
YRD Yearly Total Debt VS Total AssetsYRD Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B

2.2 Solvency

YRD has an Altman-Z score of 2.93. This is not the best score and indicates that YRD is in the grey zone with still only limited risk for bankruptcy at the moment.
The Altman-Z score of YRD (2.93) is better than 82.69% of its industry peers.
There is no outstanding debt for YRD. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z 2.93
ROIC/WACC1.66
WACC7.54%
YRD Yearly LT Debt VS Equity VS FCFYRD Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B -2B 4B -4B 6B 8B

2.3 Liquidity

A Current Ratio of 4.82 indicates that YRD has no problem at all paying its short term obligations.
Looking at the Current ratio, with a value of 4.82, YRD belongs to the top of the industry, outperforming 90.38% of the companies in the same industry.
YRD has a Quick Ratio of 4.82. This indicates that YRD is financially healthy and has no problem in meeting its short term obligations.
The Quick ratio of YRD (4.82) is better than 90.38% of its industry peers.
Industry RankSector Rank
Current Ratio 4.82
Quick Ratio 4.82
YRD Yearly Current Assets VS Current LiabilitesYRD Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

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1

3. Growth

3.1 Past

YRD shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -22.40%.
YRD shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.81% yearly.
YRD shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 18.59%.
The Revenue has been decreasing by -7.93% on average over the past years.
EPS 1Y (TTM)-22.4%
EPS 3Y14.22%
EPS 5Y7.81%
EPS Q2Q%-40.56%
Revenue 1Y (TTM)18.59%
Revenue growth 3Y9.04%
Revenue growth 5Y-7.93%
Sales Q2Q%13.96%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
YRD Yearly Revenue VS EstimatesYRD Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B
YRD Yearly EPS VS EstimatesYRD Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 5 10 15 20

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5

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 2.71 indicates a rather cheap valuation of YRD.
Compared to the rest of the industry, the Price/Earnings ratio of YRD indicates a rather cheap valuation: YRD is cheaper than 100.00% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.60. YRD is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 2.71
Fwd PE N/A
YRD Price Earnings VS Forward Price EarningsYRD Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of YRD indicates a rather cheap valuation: YRD is cheaper than 96.15% of the companies listed in the same industry.
75.00% of the companies in the same industry are more expensive than YRD, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 2.99
EV/EBITDA 0.48
YRD Per share dataYRD EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

The excellent profitability rating of YRD may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.35
EPS Next 2YN/A
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

YRD has a Yearly Dividend Yield of 5.43%, which is a nice return.
Compared to an average industry Dividend Yield of 3.69, YRD pays a better dividend. On top of this YRD pays more dividend than 90.38% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.39, YRD pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.43%

5.2 History

YRD has been paying a dividend for less than 5 years, so it still needs to build a track record.
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years1
YRD Yearly Dividends per shareYRD Yearly Dividends per shareYearly Dividends per share 2017 2018 2024 2025 0.5 1 1.5 2 2.5

5.3 Sustainability

7.71% of the earnings are spent on dividend by YRD. This is a low number and sustainable payout ratio.
DP7.71%
EPS Next 2YN/A
EPS Next 3YN/A
YRD Yearly Income VS Free CF VS DividendYRD Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B -2B -4B
YRD Dividend Payout.YRD Dividend Payout, showing the Payout Ratio.YRD Dividend Payout.PayoutRetained Earnings

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YIREN DIGITAL LTD - SPS ADR

NYSE:YRD (6/12/2025, 7:13:25 PM)

6.76

-0.67 (-9.02%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)03-20 2025-03-20
Earnings (Next)06-19 2025-06-19
Inst Owners2.79%
Inst Owner Change3.76%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap587.68M
Analysts42.5
Price TargetN/A
Short Float %0.28%
Short Ratio0.9
Dividend
Industry RankSector Rank
Dividend Yield 5.43%
Yearly Dividend0.18
Dividend Growth(5Y)N/A
DP7.71%
Div Incr Years1
Div Non Decr Years1
Ex-Date04-30 2025-04-30 (0.22)
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 2.71
Fwd PE N/A
P/S 0.73
P/FCF 2.99
P/OCF 2.97
P/B 0.44
P/tB 0.44
EV/EBITDA 0.48
EPS(TTM)2.49
EY36.83%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.26
FCFY33.5%
OCF(TTM)2.28
OCFY33.71%
SpS9.29
BVpS15.27
TBVpS15.27
PEG (NY)N/A
PEG (5Y)0.35
Profitability
Industry RankSector Rank
ROA 12.19%
ROE 16.58%
ROCE 15.28%
ROIC 12.5%
ROICexc 19.42%
ROICexgc 19.43%
OM 28.37%
PM (TTM) 27.25%
GM 84.79%
FCFM 24.37%
ROA(3y)15.47%
ROA(5y)9.89%
ROE(3y)20.71%
ROE(5y)13.04%
ROIC(3y)18.52%
ROIC(5y)N/A
ROICexc(3y)50.15%
ROICexc(5y)N/A
ROICexgc(3y)50.59%
ROICexgc(5y)N/A
ROCE(3y)22.63%
ROCE(5y)N/A
ROICexcg growth 3Y-17%
ROICexcg growth 5Y-8.16%
ROICexc growth 3Y-16.86%
ROICexc growth 5Y-7.39%
OM growth 3Y-0.43%
OM growth 5Y14.11%
PM growth 3Y5.71%
PM growth 5Y15.65%
GM growth 3Y0.71%
GM growth 5Y-1.71%
F-Score6
Asset Turnover0.45
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA 0
Cap/Depr 103.38%
Cap/Sales 0.16%
Interest Coverage 250
Cash Conversion 86%
Profit Quality 89.43%
Current Ratio 4.82
Quick Ratio 4.82
Altman-Z 2.93
F-Score6
WACC7.54%
ROIC/WACC1.66
Cap/Depr(3y)56.38%
Cap/Depr(5y)44.48%
Cap/Sales(3y)0.09%
Cap/Sales(5y)0.24%
Profit Quality(3y)116.09%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-22.4%
EPS 3Y14.22%
EPS 5Y7.81%
EPS Q2Q%-40.56%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)18.59%
Revenue growth 3Y9.04%
Revenue growth 5Y-7.93%
Sales Q2Q%13.96%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-36.52%
EBIT growth 3Y8.57%
EBIT growth 5Y5.06%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-34.7%
FCF growth 3Y111.85%
FCF growth 5Y44.93%
OCF growth 1Y-34.41%
OCF growth 3Y108.02%
OCF growth 5Y39.02%