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

NYSE:YRD • US98585L1008

Current stock price

1.7 USD
-0.11 (-6.08%)
At close:
1.7487 USD
+0.05 (+2.86%)
After Hours:

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

8

1. YRD Profitability Analysis

1.1 Basic Checks

  • In the past year YRD was profitable.
  • YRD had a positive operating cash flow in the past year.
  • Of the past 5 years YRD 4 years were profitable.
  • Each year in the past 5 years YRD 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 0 2B -2B -4B

1.2 Ratios

  • YRD has a better Return On Assets (8.12%) than 81.48% of its industry peers.
  • With a Return On Equity value of 12.13%, YRD perfoms like the industry average, outperforming 46.30% of the companies in the same industry.
  • With a decent Return On Invested Capital value of 7.68%, YRD is doing good in the industry, outperforming 66.67% of the companies in the same industry.
  • YRD had an Average Return On Invested Capital over the past 3 years of 18.51%. This is significantly above the industry average of 12.12%.
  • The 3 year average ROIC (18.51%) for YRD is well above the current ROIC(7.68%). The reason for the recent decline needs to be investigated.
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

  • YRD has a Profit Margin of 20.18%. This is in the better half of the industry: YRD outperforms 75.93% of its industry peers.
  • YRD's Profit Margin has improved in the last couple of years.
  • YRD has a Operating Margin of 18.52%. This is in the better half of the industry: YRD outperforms 70.37% of its industry peers.
  • In the last couple of years the Operating Margin of YRD has grown nicely.
  • YRD has a better Gross Margin (88.21%) than 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

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8

2. YRD Health Analysis

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
  • Compared to 5 years ago, YRD has more shares outstanding
  • 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 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 1.87. 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.
  • The Altman-Z score of YRD (1.87) is better than 74.07% of its industry peers.
  • The Debt to FCF ratio of YRD is 0.01, which is an excellent value as it means it would take YRD, only 0.01 years of fcf income to pay off all of its debts.
  • YRD's Debt to FCF ratio of 0.01 is amongst the best of 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.
  • 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 1.87
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

  • 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.
  • YRD's Quick ratio of 3.50 is amongst the best of the industry. YRD outperforms 85.19% 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

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1

3. YRD Growth Analysis

3.1 Past

  • YRD shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -30.34%.
  • Measured over the past 5 years, YRD shows a small growth in Earnings Per Share. The EPS has been growing by 7.87% on average per year.
  • Looking at the last year, YRD shows a quite strong growth in Revenue. The Revenue has grown by 10.41% in the last year.
  • 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.
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

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5

4. YRD Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 0.81, the valuation of YRD can be described as very cheap.
  • YRD's Price/Earnings ratio is rather cheap when compared to the industry. YRD is cheaper than 98.15% of the companies in the same industry.
  • YRD's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.23.
Industry RankSector Rank
PE 0.81
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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of YRD indicates a rather cheap valuation: YRD is cheaper than 90.74% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 0.81
EV/EBITDA -2.35
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)0.1
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

  • YRD has a Yearly Dividend Yield of 9.64%, which is a nice return.
  • The stock price of YRD dropped by -57.50% 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.
  • YRD's Dividend Yield is rather good when compared to the industry average which is at 3.36. YRD pays more dividend than 92.59% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.90, YRD pays a better dividend.
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 0 2B -2B -4B

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YRD Fundamentals: All Metrics, Ratios and Statistics

YIREN DIGITAL LTD - SPS ADR

NYSE:YRD (3/26/2026, 8:04:00 PM)

After market: 1.7487 +0.05 (+2.86%)

1.7

-0.11 (-6.08%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)03-18
Earnings (Next)06-10
Inst Owners3.36%
Inst Owner Change1.64%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap147.79M
Revenue(TTM)6.21B
Net Income(TTM)1.25B
Analysts42.5
Price TargetN/A
Short Float %0.28%
Short Ratio2.28
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 0.81
Fwd PE N/A
P/S 0.16
P/FCF 0.81
P/OCF 0.81
P/B 0.1
P/tB 0.1
EV/EBITDA -2.35
EPS(TTM)2.11
EY124.12%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.1
FCFY123.32%
OCF(TTM)2.1
OCFY123.32%
SpS10.36
BVpS17.24
TBVpS17.24
PEG (NY)N/A
PEG (5Y)0.1
Graham Number28.61
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 1.87
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 Fundamental Analysis 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.