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

NYSE:YRD • US98585L1008

3.9 USD
-0.03 (-0.76%)
Last: Feb 27, 2026, 08:04 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

6

YRD gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 54 industry peers in the Consumer Finance industry. YRD gets an excellent profitability rating and is at the same time showing great financial health properties. YRD has a valuation in line with the averages, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

8

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.
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 0 2B -2B -4B

1.2 Ratios

  • The Return On Assets of YRD (8.12%) is better than 83.33% of its industry peers.
  • YRD's Return On Equity of 12.13% is in line compared to the rest of the industry. YRD outperforms 51.85% of its industry peers.
  • The Return On Invested Capital of YRD (7.68%) is better than 68.52% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for YRD is significantly above the industry average of 12.20%.
  • The last Return On Invested Capital (7.68%) 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 RankSector Rank
ROA 8.12%
ROE 12.13%
ROIC 7.68%
ROA(3y)15.48%
ROA(5y)9.89%
ROE(3y)20.71%
ROE(5y)13.04%
ROIC(3y)18.51%
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 0 -100 -200 -300 -400

1.3 Margins

  • Looking at the Profit Margin, with a value of 20.18%, YRD is in the better half of the industry, outperforming 75.93% of the companies in the same industry.
  • YRD's Profit Margin has improved in the last couple of years.
  • With a decent Operating Margin value of 18.52%, YRD is doing good in the industry, outperforming 64.81% of the companies in the same industry.
  • In the last couple of years the Operating Margin of YRD has grown nicely.
  • YRD's Gross Margin of 88.21% is amongst the best of the industry. YRD outperforms 81.48% of its industry peers.
  • In the last couple of years the Gross Margin of YRD has declined.
Industry RankSector Rank
OM 18.52%
PM (TTM) 20.18%
GM 88.21%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 40 60 80

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

8

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.
  • YRD has more shares outstanding than it did 1 year ago.
  • The number of shares outstanding for YRD has been increased compared to 5 years ago.
  • 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.
YRD Yearly Shares OutstandingYRD Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B

2.2 Solvency

  • YRD has an Altman-Z score of 2.01. 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 2.01 is fine compared to the rest of the industry. YRD outperforms 75.93% 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.
  • Looking at the Debt to FCF ratio, with a value of 0.01, YRD belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
  • A Debt/Equity ratio of 0.00 indicates that YRD is not too dependend on debt financing.
  • The Debt to Equity ratio of YRD (0.00) is better than 92.59% of its industry peers.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.01
Altman-Z 2.01
ROIC/WACC1.02
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 0 2B -2B 4B -4B 6B 8B

2.3 Liquidity

  • YRD has a Current Ratio of 3.50. This indicates that YRD is financially healthy and has no problem in meeting its short term obligations.
  • YRD has a Current ratio of 3.50. This is amongst the best in the industry. YRD outperforms 81.48% of its industry peers.
  • A Quick Ratio of 3.50 indicates that YRD has no problem at all paying its short term obligations.
  • YRD has a Quick ratio of 3.50. This is amongst the best in the industry. YRD outperforms 83.33% of its industry peers.
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 2B 4B 6B 8B 10B

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

1

3. Growth

3.1 Past

  • YRD shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -30.34%.
  • YRD shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.87% yearly.
  • YRD shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.41%.
  • Measured over the past years, YRD shows a decrease in Revenue. The Revenue has been decreasing by -7.93% on average per year.
EPS 1Y (TTM)-30.34%
EPS 3Y14.33%
EPS 5Y7.87%
EPS Q2Q%-10.18%
Revenue 1Y (TTM)10.41%
Revenue growth 3Y9.04%
Revenue growth 5Y-7.93%
Sales Q2Q%5.13%

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 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

More info and screens

Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 1.84, the valuation of YRD can be described as very cheap.
  • Based on the Price/Earnings ratio, YRD is valued cheaply inside the industry as 94.44% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Earnings ratio of 27.10, YRD is valued rather cheaply.
Industry RankSector Rank
PE 1.84
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

  • YRD's Price/Free Cash Flow ratio is rather cheap when compared to the industry. YRD is cheaper than 83.33% of the companies in the same industry.
Industry RankSector Rank
P/FCF 1.84
EV/EBITDA -1.29
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 an outstanding profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.23
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

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

5

5. Dividend

5.1 Amount

  • YRD has a Yearly Dividend Yield of 9.64%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.75, YRD pays a better dividend. On top of this YRD pays more dividend than 94.44% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.80, YRD pays a better dividend.
Industry RankSector Rank
Dividend Yield 9.64%

5.2 History

  • YRD has paid a dividend for less than 5 years, so there is no long track record yet.
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 0 2B -2B -4B

More info and screens

Find the best dividend stocksShow peers with best dividend

YIREN DIGITAL LTD - SPS ADR

NYSE:YRD (2/27/2026, 8:04:00 PM)

3.9

-0.03 (-0.76%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-18
Earnings (Next)03-18
Inst Owners3.36%
Inst Owner Change1.64%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap339.04M
Revenue(TTM)6.21B
Net Income(TTM)1.25B
Analysts42.5
Price TargetN/A
Short Float %0.15%
Short Ratio0.96
Dividend
Industry RankSector Rank
Dividend Yield 9.64%
Yearly Dividend0.2
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 1.84
Fwd PE N/A
P/S 0.37
P/FCF 1.84
P/OCF 1.84
P/B 0.22
P/tB 0.22
EV/EBITDA -1.29
EPS(TTM)2.12
EY54.36%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.11
FCFY54.21%
OCF(TTM)2.11
OCFY54.21%
SpS10.45
BVpS17.39
TBVpS17.39
PEG (NY)N/A
PEG (5Y)0.23
Graham Number28.8
Profitability
Industry RankSector Rank
ROA 8.12%
ROE 12.13%
ROCE 9.38%
ROIC 7.68%
ROICexc 11.21%
ROICexgc 11.68%
OM 18.52%
PM (TTM) 20.18%
GM 88.21%
FCFM 20.24%
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
ROICexgc growth 3Y-17%
ROICexgc 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-Score4
Asset Turnover0.4
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.01
Debt/EBITDA 0.01
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 250
Cash Conversion 106.66%
Profit Quality 100.26%
Current Ratio 3.5
Quick Ratio 3.5
Altman-Z 2.01
F-Score4
WACC7.54%
ROIC/WACC1.02
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)-30.34%
EPS 3Y14.33%
EPS 5Y7.87%
EPS Q2Q%-10.18%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)10.41%
Revenue growth 3Y9.04%
Revenue growth 5Y-7.93%
Sales Q2Q%5.13%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-43.55%
EBIT growth 3Y8.57%
EBIT growth 5Y5.06%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-43.5%
FCF growth 3Y111.86%
FCF growth 5Y44.93%
OCF growth 1Y-43.5%
OCF growth 3Y108.02%
OCF growth 5Y39.03%

YIREN DIGITAL LTD - SPS ADR / YRD FAQ

What is the fundamental rating for YRD stock?

ChartMill assigns a fundamental rating of 6 / 10 to YRD.


What is the valuation status for YRD stock?

ChartMill assigns a valuation rating of 5 / 10 to YIREN DIGITAL LTD - SPS ADR (YRD). This can be considered as Fairly Valued.


Can you provide the profitability details for YIREN DIGITAL LTD - SPS ADR?

YIREN DIGITAL LTD - SPS ADR (YRD) has a profitability rating of 8 / 10.


Can you provide the financial health for YRD stock?

The financial health rating of YIREN DIGITAL LTD - SPS ADR (YRD) is 8 / 10.