YIREN DIGITAL LTD - SPS ADR (YRD) Stock Fundamental Analysis
NYSE:YRD - US98585L1008 - ADR
5.73 USD
-0.06 (-1.04%)
Overall YRD gets a fundamental rating of 7 out of 10. We evaluated YRD against 54 industry peers in the Consumer Finance industry. YRD has outstanding health and profitabily ratings, belonging to the best of the industry. This is a solid base for any company. YRD has a bad growth rate and is valued cheaply. This makes YRD very considerable for value investing!
1. Profitability
1.1 Basic Checks
YRD had positive earnings in the past year.
YRD had a positive operating cash flow in the past year.
YRD had positive earnings in 4 of the past 5 years.
In the past 5 years YRD always reported a positive cash flow from operatings.
1.2 Ratios
YRD has a better Return On Assets (10.12%) than 87.04% of its industry peers.
The Return On Equity of YRD (13.78%) is better than 61.11% of its industry peers.
YRD has a better Return On Invested Capital (9.93%) than 79.63% of its industry peers.
The Average Return On Invested Capital over the past 3 years for YRD is significantly above the industry average of 11.02%.
The last Return On Invested Capital (9.93%) for YRD is well below the 3 year average (18.51%), which needs to be investigated, but indicates that YRD had better years and this may not be a problem.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 10.12% | ||
| ROE | 13.78% | ||
| ROIC | 9.93% |
ROA(3y)15.48%
ROA(5y)9.89%
ROE(3y)20.71%
ROE(5y)13.04%
ROIC(3y)18.51%
ROIC(5y)N/A
1.3 Margins
YRD has a better Profit Margin (22.46%) than 85.19% of its industry peers.
YRD's Profit Margin has improved in the last couple of years.
The Operating Margin of YRD (23.08%) is better than 72.22% of its industry peers.
In the last couple of years the Operating Margin of YRD has grown nicely.
With a decent Gross Margin value of 85.38%, YRD is doing good in the industry, outperforming 79.63% of the companies in the same industry.
YRD's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 23.08% | ||
| PM (TTM) | 22.46% | ||
| GM | 85.38% |
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%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so YRD is creating value.
Compared to 1 year ago, YRD has more shares outstanding
The number of shares outstanding for YRD has been increased 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.
2.2 Solvency
An Altman-Z score of 2.71 indicates that YRD is not a great score, but indicates only limited risk for bankruptcy at the moment.
The Altman-Z score of YRD (2.71) is better than 83.33% of its industry peers.
YRD has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | 2.71 |
ROIC/WACC1.05
WACC9.45%
2.3 Liquidity
YRD has a Current Ratio of 5.71. This indicates that YRD is financially healthy and has no problem in meeting its short term obligations.
YRD's Current ratio of 5.71 is amongst the best of the industry. YRD outperforms 87.04% of its industry peers.
A Quick Ratio of 5.71 indicates that YRD has no problem at all paying its short term obligations.
The Quick ratio of YRD (5.71) is better than 88.89% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 5.71 | ||
| Quick Ratio | 5.71 |
3. Growth
3.1 Past
YRD shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -19.85%.
The earnings per share for YRD have been decreasing by -13.10% on average. This is quite bad
Looking at the last year, YRD shows a very negative growth in Revenue. The Revenue has decreased by -26.30% in the last year.
YRD shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 113.90% yearly.
EPS 1Y (TTM)-19.85%
EPS 3Y-13.1%
EPS 5YN/A
EPS Q2Q%N/A
Revenue 1Y (TTM)-26.3%
Revenue growth 3Y39.42%
Revenue growth 5Y113.9%
Sales Q2Q%10.63%
3.2 Future
Based on estimates for the next years, YRD will show a decrease in Earnings Per Share. The EPS will decrease by -0.66% on average per year.
The Revenue is expected to decrease by -25.09% on average over the next years. This is quite bad
EPS Next Y-97.48%
EPS Next 2Y-0.66%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-53.35%
Revenue Next 2Y-25.09%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 3.29, the valuation of YRD can be described as very cheap.
98.15% of the companies in the same industry are more expensive than YRD, based on the Price/Earnings ratio.
YRD is valuated cheaply when we compare the Price/Earnings ratio to 27.06, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 3.34, the valuation of YRD can be described as very cheap.
Based on the Price/Forward Earnings ratio, YRD is valued cheaper than 92.59% of the companies in the same industry.
YRD is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.69, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.29 | ||
| Fwd PE | 3.34 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of YRD indicates a somewhat cheap valuation: YRD is cheaper than 75.93% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.8 | ||
| EV/EBITDA | -0.32 |
4.3 Compensation for Growth
The excellent profitability rating of YRD may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-0.66%
EPS Next 3YN/A
5. Dividend
5.1 Amount
YRD has a Yearly Dividend Yield of 6.37%, which is a nice return.
Compared to an average industry Dividend Yield of 4.17, YRD pays a better dividend. On top of this YRD pays more dividend than 90.74% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.32, YRD pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.37% |
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
5.3 Sustainability
DPN/A
EPS Next 2Y-0.66%
EPS Next 3YN/A
NYSE:YRD (9/5/2025, 8:04:00 PM)
5.73
-0.06 (-1.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners2.89%
Inst Owner Change1.24%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap498.13M
Analysts42.5
Price TargetN/A
Short Float %0.13%
Short Ratio0.68
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.37% |
Yearly Dividend0.19
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years1
Div Non Decr Years1
Ex-Date
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.29 | ||
| Fwd PE | 3.34 | ||
| P/S | 0.59 | ||
| P/FCF | 2.8 | ||
| P/OCF | 2.8 | ||
| P/B | 0.36 | ||
| P/tB | 0.36 | ||
| EV/EBITDA | -0.32 |
EPS(TTM)1.74
EY30.37%
EPS(NY)1.72
Fwd EY29.93%
FCF(TTM)2.05
FCFY35.72%
OCF(TTM)2.05
OCFY35.72%
SpS9.64
BVpS15.71
TBVpS15.71
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 10.12% | ||
| ROE | 13.78% | ||
| ROCE | 12.14% | ||
| ROIC | 9.93% | ||
| ROICexc | 15.41% | ||
| ROICexgc | 15.73% | ||
| OM | 23.08% | ||
| PM (TTM) | 22.46% | ||
| GM | 85.38% | ||
| FCFM | 21.24% |
ROA(3y)15.48%
ROA(5y)9.89%
ROE(3y)20.71%
ROE(5y)13.04%
ROIC(3y)18.51%
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-16.85%
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-Score5
Asset Turnover0.45
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | 0 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 90.19% | ||
| Profit Quality | 94.55% | ||
| Current Ratio | 5.71 | ||
| Quick Ratio | 5.71 | ||
| Altman-Z | 2.71 |
F-Score5
WACC9.45%
ROIC/WACC1.05
Cap/Depr(3y)17.79%
Cap/Depr(5y)21.32%
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)-19.85%
EPS 3Y-13.1%
EPS 5YN/A
EPS Q2Q%N/A
EPS Next Y-97.48%
EPS Next 2Y-0.66%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-26.3%
Revenue growth 3Y39.42%
Revenue growth 5Y113.9%
Sales Q2Q%10.63%
Revenue Next Year-53.35%
Revenue Next 2Y-25.09%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-47.41%
EBIT growth 3Y8.57%
EBIT growth 5Y5.06%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-34.69%
FCF growth 3Y111.86%
FCF growth 5Y44.93%
OCF growth 1Y-34.4%
OCF growth 3Y108.02%
OCF growth 5Y39.03%