YIREN DIGITAL LTD - SPS ADR (YRD)

US98585L1008 - ADR

4.51  0 (0%)

After market: 4.51 0 (0%)

Fundamental Rating

6

We assign a fundamental rating of 6 out of 10 to YRD. YRD was compared to 51 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 valuation in line with the averages, but on the other hand it scores bad on growth.



7

1. Profitability

1.1 Basic Checks

In the past year YRD was profitable.
In the past year YRD had a positive cash flow from operations.
YRD had positive earnings in 4 of the past 5 years.
Of the past 5 years YRD 4 years had a positive operating cash flow.

1.2 Ratios

The Return On Assets of YRD (21.32%) is better than 98.04% of its industry peers.
YRD has a better Return On Equity (26.49%) than 90.20% of its industry peers.
Looking at the Return On Invested Capital, with a value of 27.07%, YRD belongs to the top of the industry, outperforming 96.08% of the companies in the same industry.
Industry RankSector Rank
ROA 21.32%
ROE 26.49%
ROIC 27.07%
ROA(3y)5.67%
ROA(5y)8.02%
ROE(3y)7.63%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

The Profit Margin of YRD (42.34%) is better than 98.04% of its industry peers.
YRD's Profit Margin has improved in the last couple of years.
YRD has a better Operating Margin (53.93%) than 100.00% of its industry peers.
In the last couple of years the Operating Margin of YRD has grown nicely.
YRD has a better Gross Margin (78.70%) than 72.55% of its industry peers.
In the last couple of years the Gross Margin of YRD has declined.
Industry RankSector Rank
OM 53.93%
PM (TTM) 42.34%
GM 78.7%
OM growth 3Y42.97%
OM growth 5Y7.21%
PM growth 3Y38.23%
PM growth 5Y7.05%
GM growth 3Y-5.75%
GM growth 5Y-3.5%

9

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.
YRD has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, YRD has more shares outstanding
Compared to 1 year ago, YRD has an improved debt to assets ratio.

2.2 Solvency

YRD has an Altman-Z score of 3.42. This indicates that YRD is financially healthy and has little risk of bankruptcy at the moment.
YRD has a Altman-Z score of 3.42. This is amongst the best in the industry. YRD outperforms 88.24% 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 RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z 3.42
ROIC/WACC3.15
WACC8.59%

2.3 Liquidity

YRD has a Current Ratio of 4.49. This indicates that YRD is financially healthy and has no problem in meeting its short term obligations.
With an excellent Current ratio value of 4.49, YRD belongs to the best of the industry, outperforming 82.35% of the companies in the same industry.
A Quick Ratio of 4.49 indicates that YRD has no problem at all paying its short term obligations.
With an excellent Quick ratio value of 4.49, YRD belongs to the best of the industry, outperforming 82.35% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 4.49
Quick Ratio 4.49

1

3. Growth

3.1 Past

YRD shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 12.38%, which is quite good.
The Earnings Per Share has been decreasing by -9.54% on average over the past years.
Looking at the last year, YRD shows a very negative growth in Revenue. The Revenue has decreased by -23.29% in the last year.
The Revenue has been decreasing by -9.13% on average over the past years.
EPS 1Y (TTM)12.38%
EPS 3Y3.18%
EPS 5Y-9.54%
EPS growth Q2Q107.33%
Revenue 1Y (TTM)-23.29%
Revenue growth 3Y-26.85%
Revenue growth 5Y-9.13%
Revenue growth Q2Q55.92%

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.

5

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 1.45, the valuation of YRD can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of YRD indicates a rather cheap valuation: YRD is cheaper than 98.04% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of YRD to the average of the S&P500 Index (26.48), we can say YRD is valued rather cheaply.
Industry RankSector Rank
PE 1.45
Fwd PE N/A

4.2 Price Multiples

80.39% 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 1.3
EV/EBITDA -0.99

4.3 Compensation for Growth

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

0

5. Dividend

5.1 Amount

No dividends for YRD!.
Industry RankSector Rank
Dividend Yield N/A

YIREN DIGITAL LTD - SPS ADR

NYSE:YRD (3/28/2024, 8:04:00 PM)

After market: 4.51 0 (0%)

4.51

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap399.64M
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield N/A
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE 1.45
Fwd PE N/A
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 21.32%
ROE 26.49%
ROCE
ROIC
ROICexc
ROICexgc
OM 53.93%
PM (TTM) 42.34%
GM 78.7%
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.5
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio 4.49
Quick Ratio 4.49
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)12.38%
EPS 3Y3.18%
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-23.29%
Revenue growth 3Y-26.85%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y