YIREN DIGITAL LTD - SPS ADR (YRD) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:YRD - US98585L1008 - ADR
4 USD
+0.02 (+0.5%)
Overall YRD gets a fundamental rating of 6 out of 10. We evaluated YRD against 54 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.
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.
- In the past 5 years YRD always reported a positive cash flow from operatings.
1.2 Ratios
- The Return On Assets of YRD (8.12%) is better than 83.33% of its industry peers.
- Looking at the Return On Equity, with a value of 12.13%, YRD is in line with its industry, outperforming 51.85% of the companies in the same industry.
- YRD has a better Return On Invested Capital (7.68%) than 68.52% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for YRD is significantly above the industry average of 12.42%.
- 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 Rank | Sector 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
1.3 Margins
- YRD has a Profit Margin of 20.18%. This is in the better half of the industry: YRD outperforms 77.78% of its industry peers.
- YRD's Profit Margin has improved in the last couple of years.
- YRD has a better Operating Margin (18.52%) than 64.81% of its industry peers.
- In the last couple of years the Operating Margin of YRD has grown nicely.
- YRD has a Gross Margin of 88.21%. This is amongst the best in the industry. YRD outperforms 83.33% of its industry peers.
- YRD's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector 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%
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
- YRD has more shares outstanding than it did 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 2.02 indicates that YRD is not a great score, but indicates only limited risk for bankruptcy at the moment.
- Looking at the Altman-Z score, with a value of 2.02, YRD is in the better half of the industry, outperforming 75.93% of the companies in the same industry.
- 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 has a Debt to FCF ratio of 0.01. This is amongst the best in the industry. YRD outperforms 100.00% 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 has a better Debt to Equity ratio (0.00) than 92.59% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0.01 | ||
| Altman-Z | 2.02 |
ROIC/WACC1.02
WACC7.54%
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.
- Looking at the Current ratio, with a value of 3.50, YRD belongs to the top of the industry, outperforming 83.33% of the companies in the same industry.
- YRD has a Quick Ratio of 3.50. This indicates that YRD is financially healthy and has no problem in meeting its short term obligations.
- Looking at the Quick ratio, with a value of 3.50, YRD belongs to the top of the industry, outperforming 83.33% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 3.5 | ||
| Quick Ratio | 3.5 |
3. Growth
3.1 Past
- The earnings per share for YRD have decreased strongly by -30.34% in the last year.
- The Earnings Per Share has been growing slightly by 7.87% on average over the past years.
- The Revenue has grown by 10.41% in the past year. This is quite good.
- The Revenue has been decreasing by -7.93% on average over the past years.
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.
4. Valuation
4.1 Price/Earnings Ratio
- YRD is valuated cheaply with a Price/Earnings ratio of 1.92.
- Compared to the rest of the industry, the Price/Earnings ratio of YRD indicates a rather cheap valuation: YRD is cheaper than 96.30% of the companies listed in the same industry.
- When comparing the Price/Earnings ratio of YRD to the average of the S&P500 Index (27.38), we can say YRD is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.92 | ||
| Fwd PE | N/A |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, YRD is valued cheaper than 83.33% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.93 | ||
| EV/EBITDA | -1.21 |
4.3 Compensation for Growth
- YRD has an outstanding profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.24
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 9.64%, YRD is a good candidate for dividend investing.
- In the last 3 months the price of YRD has falen by -32.32%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
- YRD's Dividend Yield is rather good when compared to the industry average which is at 2.58. YRD pays more dividend than 94.44% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.84, YRD pays a better dividend.
| Industry Rank | Sector 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
5.3 Sustainability
DPN/A
EPS Next 2YN/A
EPS Next 3YN/A
NYSE:YRD (1/16/2026, 8:04:00 PM)
4
+0.02 (+0.5%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-18 2025-11-18
Earnings (Next)03-18 2026-03-18
Inst Owners3.36%
Inst Owner Change0%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap347.74M
Revenue(TTM)6.21B
Net Income(TTM)1.25B
Analysts42.5
Price TargetN/A
Short Float %0.08%
Short Ratio0.52
Dividend
| Industry Rank | Sector 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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.92 | ||
| Fwd PE | N/A | ||
| P/S | 0.39 | ||
| P/FCF | 1.93 | ||
| P/OCF | 1.93 | ||
| P/B | 0.23 | ||
| P/tB | 0.23 | ||
| EV/EBITDA | -1.21 |
EPS(TTM)2.08
EY52%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.08
FCFY51.88%
OCF(TTM)2.08
OCFY51.88%
SpS10.26
BVpS17.07
TBVpS17.07
PEG (NY)N/A
PEG (5Y)0.24
Graham Number28.26
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 2.02 |
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.