YIREN DIGITAL LTD - SPS ADR (YRD) Fundamental Analysis & Valuation

NYSE:YRD • US98585L1008

Current stock price

2.06 USD
-0.08 (-3.74%)
Last:

This YRD fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. YRD Profitability Analysis

1.1 Basic Checks

  • YRD had positive earnings in the past year.
  • YRD had a positive operating cash flow in the past year.
  • In the past 5 years YRD has always been profitable.
  • Of the past 5 years YRD 4 years had a positive operating cash flow.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B -2B -4B

1.2 Ratios

  • The Return On Assets of YRD (8.12%) is better than 79.63% of its industry peers.
  • YRD has a Return On Equity (12.13%) which is in line with its industry peers.
  • YRD's Return On Invested Capital of 7.97% is fine compared to the rest of the industry. YRD outperforms 66.67% of its industry peers.
Industry RankSector Rank
ROA 8.12%
ROE 12.13%
ROIC 7.97%
ROA(3y)10.91%
ROA(5y)12.02%
ROE(3y)14.25%
ROE(5y)16.8%
ROIC(3y)N/A
ROIC(5y)N/A
YRD Yearly ROA, ROE, ROICYRD Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -100 -200 -300 -400

1.3 Margins

  • YRD has a Profit Margin of 20.18%. This is in the better half of the industry: YRD outperforms 79.63% of its industry peers.
  • In the last couple of years the Profit Margin of YRD has declined.
  • With a decent Operating Margin value of 18.52%, YRD is doing good in the industry, outperforming 70.37% of the companies in the same industry.
  • Looking at the Gross Margin, with a value of 88.21%, YRD belongs to the top of the industry, outperforming 81.48% of the companies in the same industry.
  • In the last couple of years the Gross Margin of YRD has grown nicely.
Industry RankSector Rank
OM 18.52%
PM (TTM) 20.18%
GM 88.21%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-72.69%
PM growth 5YN/A
GM growth 3Y3.68%
GM growth 5Y3.65%
YRD Yearly Profit, Operating, Gross MarginsYRD Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 40 60 80

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9

2. YRD Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so YRD is still creating some value.
  • The number of shares outstanding for YRD has been reduced compared to 1 year ago.
  • The number of shares outstanding for YRD has been reduced compared to 5 years ago.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
YRD Yearly Total Debt VS Total AssetsYRD Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B

2.2 Solvency

  • YRD has an Altman-Z score of 1.89. 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.
  • YRD's Altman-Z score of 1.89 is fine compared to the rest of the industry. YRD outperforms 74.07% of its industry peers.
  • YRD has a debt to FCF ratio of 0.01. This is a very positive value and a sign of high solvency as it would only need 0.01 years to pay back of all of its debts.
  • YRD's Debt to FCF ratio of 0.01 is amongst the best of the industry. YRD outperforms 98.15% of its industry peers.
  • YRD has a Debt/Equity ratio of 0.00. This is a healthy value indicating a solid balance between debt and equity.
  • YRD's Debt to Equity ratio of 0.00 is amongst the best of the industry. YRD outperforms 94.44% of its industry peers.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.01
Altman-Z 1.89
ROIC/WACC1.06
WACC7.54%
YRD Yearly LT Debt VS Equity VS FCFYRD Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B -2B 4B -4B 6B 8B

2.3 Liquidity

  • A Current Ratio of 3.50 indicates that YRD has no problem at all paying its short term obligations.
  • The Current ratio of YRD (3.50) is better than 83.33% of its industry peers.
  • A Quick Ratio of 3.50 indicates that YRD has no problem at all paying its short term obligations.
  • With an excellent Quick ratio value of 3.50, YRD belongs to the best of the industry, outperforming 85.19% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 3.5
Quick Ratio 3.5
YRD Yearly Current Assets VS Current LiabilitesYRD Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B

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1

3. YRD Growth Analysis

3.1 Past

  • The earnings per share for YRD have decreased strongly by -97.47% in the last year.
  • YRD shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -67.58% yearly.
  • The Revenue has decreased by -1.36% in the past year.
  • The Revenue has been growing slightly by 7.62% on average over the past years.
EPS 1Y (TTM)-97.47%
EPS 3Y-67.58%
EPS 5YN/A
EPS Q2Q%-363.39%
Revenue 1Y (TTM)-1.36%
Revenue growth 3Y18.52%
Revenue growth 5Y7.62%
Sales Q2Q%-33.54%

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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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2

4. YRD Valuation Analysis

4.1 Price/Earnings Ratio

  • YRD is valuated quite expensively with a Price/Earnings ratio of 29.43.
  • Compared to the rest of the industry, the Price/Earnings ratio of YRD indicates a slightly more expensive valuation: YRD is more expensive than 79.63% of the companies listed in the same industry.
  • YRD's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 26.91.
Industry RankSector Rank
PE 29.43
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

  • Based on the Price/Free Cash Flow ratio, YRD is valued cheaply inside the industry as 90.74% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 0.97
EV/EBITDA N/A
YRD Per share dataYRD EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • YRD has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. YRD Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 9.64%, YRD is a good candidate for dividend investing.
  • The stock price of YRD dropped by -48.11% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
  • Compared to an average industry Dividend Yield of 3.12, YRD pays a better dividend. On top of this YRD pays more dividend than 90.74% of the companies listed in the same industry.
  • YRD's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 9.64%

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

DPN/A
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B -2B -4B

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YRD Fundamentals: All Metrics, Ratios and Statistics

YIREN DIGITAL LTD - SPS ADR

NYSE:YRD (4/28/2026, 7:03:26 PM)

2.06

-0.08 (-3.74%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)03-18
Earnings (Next)06-10
Inst Owners3.36%
Inst Owner Change-0.03%
Ins OwnersN/A
Ins Owner Change0%
Market Cap179.09M
Revenue(TTM)5.73B
Net Income(TTM)1.25B
Analysts42.5
Price TargetN/A
Short Float %0.22%
Short Ratio0.96
Dividend
Industry RankSector Rank
Dividend Yield 9.64%
Yearly Dividend0.19
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
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 29.43
Fwd PE N/A
P/S 0.2
P/FCF 0.97
P/OCF 0.97
P/B 0.12
P/tB 0.12
EV/EBITDA N/A
EPS(TTM)0.07
EY3.4%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.12
FCFY102.91%
OCF(TTM)2.12
OCFY102.91%
SpS10.48
BVpS17.44
TBVpS17.44
PEG (NY)N/A
PEG (5Y)N/A
Graham Number5.2405 (154.39%)
Profitability
Industry RankSector Rank
ROA 8.12%
ROE 12.13%
ROCE 9.38%
ROIC 7.97%
ROICexc 11.64%
ROICexgc 12.13%
OM 18.52%
PM (TTM) 20.18%
GM 88.21%
FCFM 20.24%
ROA(3y)10.91%
ROA(5y)12.02%
ROE(3y)14.25%
ROE(5y)16.8%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-72.69%
PM growth 5YN/A
GM growth 3Y3.68%
GM growth 5Y3.65%
F-Score4
Asset Turnover0.4
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.01
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 250
Cash Conversion N/A
Profit Quality 100.26%
Current Ratio 3.5
Quick Ratio 3.5
Altman-Z 1.89
F-Score4
WACC7.54%
ROIC/WACC1.06
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-97.47%
EPS 3Y-67.58%
EPS 5YN/A
EPS Q2Q%-363.39%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-1.36%
Revenue growth 3Y18.52%
Revenue growth 5Y7.62%
Sales Q2Q%-33.54%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-43.55%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-14.36%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-14.36%
OCF growth 3YN/A
OCF growth 5YN/A

YIREN DIGITAL LTD - SPS ADR / YRD Fundamental Analysis FAQ

What is the fundamental rating for YRD stock?

ChartMill assigns a fundamental rating of 5 / 10 to YRD.


What is the valuation status for YRD stock?

ChartMill assigns a valuation rating of 2 / 10 to YIREN DIGITAL LTD - SPS ADR (YRD). This can be considered as Overvalued.


What is the profitability of YRD stock?

YIREN DIGITAL LTD - SPS ADR (YRD) has a profitability rating of 6 / 10.


What is the financial health of YIREN DIGITAL LTD - SPS ADR (YRD) stock?

The financial health rating of YIREN DIGITAL LTD - SPS ADR (YRD) is 9 / 10.