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

NYSE:YRD - New York Stock Exchange, Inc. - US98585L1008 - ADR - Currency: USD

6.03  -0.03 (-0.5%)

Fundamental Rating

6

Overall YRD gets a fundamental rating of 6 out of 10. We evaluated YRD against 52 industry peers in the Consumer Finance industry. Both the health and profitability get an excellent rating, making YRD a very profitable company, without any liquidiy or solvency issues. YRD has a valuation in line with the averages, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

8

1. Profitability

1.1 Basic Checks

In the past year YRD was profitable.
YRD had a positive operating cash flow in the past year.
YRD had positive earnings in 4 of the past 5 years.
YRD had a positive operating cash flow in each of the past 5 years.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B -2B -4B

1.2 Ratios

With an excellent Return On Assets value of 10.12%, YRD belongs to the best of the industry, outperforming 88.68% of the companies in the same industry.
With a decent Return On Equity value of 13.78%, YRD is doing good in the industry, outperforming 62.26% of the companies in the same industry.
YRD has a better Return On Invested Capital (9.93%) than 81.13% 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 10.31%.
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 RankSector 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
YRD Yearly ROA, ROE, ROICYRD Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -100 -200 -300 -400

1.3 Margins

YRD has a better Profit Margin (22.46%) than 88.68% of its industry peers.
YRD's Profit Margin has improved in the last couple of years.
YRD has a better Operating Margin (23.08%) than 71.70% of its industry peers.
YRD's Operating Margin has improved in the last couple of years.
YRD has a Gross Margin of 85.38%. This is amongst the best in the industry. YRD outperforms 81.13% of its industry peers.
In the last couple of years the Gross Margin of YRD has declined.
Industry RankSector 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%
YRD Yearly Profit, Operating, Gross MarginsYRD Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 40 60 80

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 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B

2.2 Solvency

An Altman-Z score of 2.74 indicates that YRD is not a great score, but indicates only limited risk for bankruptcy at the moment.
With an excellent Altman-Z score value of 2.74, YRD belongs to the best of the industry, outperforming 81.13% of the companies in the same industry.
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 2.74
ROIC/WACC1.32
WACC7.54%
YRD Yearly LT Debt VS Equity VS FCFYRD Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B -2B 4B -4B 6B 8B

2.3 Liquidity

A Current Ratio of 5.71 indicates that YRD has no problem at all paying its short term obligations.
YRD has a Current ratio of 5.71. This is amongst the best in the industry. YRD outperforms 90.57% of its industry peers.
YRD has a Quick Ratio of 5.71. This indicates that YRD is financially healthy and has no problem in meeting its short term obligations.
The Quick ratio of YRD (5.71) is better than 90.57% of its industry peers.
Industry RankSector Rank
Current Ratio 5.71
Quick Ratio 5.71
YRD Yearly Current Assets VS Current LiabilitesYRD Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

1

3. Growth

3.1 Past

The earnings per share for YRD have decreased strongly by -35.98% in the last year.
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.
YRD shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.14%.
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)-35.98%
EPS 3Y14.33%
EPS 5Y7.87%
EPS Q2Q%-48.44%
Revenue 1Y (TTM)13.14%
Revenue growth 3Y9.04%
Revenue growth 5Y-7.93%
Sales Q2Q%11.59%

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 2014 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

4

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 2.80, the valuation of YRD can be described as very cheap.
100.00% of the companies in the same industry are more expensive than YRD, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 27.30, YRD is valued rather cheaply.
Industry RankSector Rank
PE 2.8
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

Based on the Price/Free Cash Flow ratio, YRD is valued a bit cheaper than the industry average as 75.47% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 2.96
EV/EBITDA -0.2
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)0.36
EPS Next 2YN/A
EPS Next 3YN/A

5

5. Dividend

5.1 Amount

YRD has a Yearly Dividend Yield of 6.27%, which is a nice return.
Compared to an average industry Dividend Yield of 3.53, YRD pays a better dividend. On top of this YRD pays more dividend than 90.57% of the companies listed in the same industry.
YRD's Dividend Yield is rather good when compared to the S&P500 average which is at 2.35.
Industry RankSector Rank
Dividend Yield 6.27%

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B -2B -4B

YIREN DIGITAL LTD - SPS ADR

NYSE:YRD (7/11/2025, 8:04:00 PM)

6.03

-0.03 (-0.5%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)06-12 2025-06-12/bmo
Earnings (Next)08-18 2025-08-18
Inst Owners2.9%
Inst Owner Change0%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap524.22M
Analysts42.5
Price TargetN/A
Short Float %0.31%
Short Ratio1.2
Dividend
Industry RankSector Rank
Dividend Yield 6.27%
Yearly Dividend0.19
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years1
Div Non Decr Years1
Ex-Date04-30 2025-04-30 (0.22)
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 2.8
Fwd PE N/A
P/S 0.63
P/FCF 2.96
P/OCF 2.96
P/B 0.39
P/tB 0.39
EV/EBITDA -0.2
EPS(TTM)2.15
EY35.66%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.04
FCFY33.82%
OCF(TTM)2.04
OCFY33.82%
SpS9.6
BVpS15.65
TBVpS15.65
PEG (NY)N/A
PEG (5Y)0.36
Profitability
Industry RankSector 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 RankSector 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 2.74
F-Score5
WACC7.54%
ROIC/WACC1.32
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)-35.98%
EPS 3Y14.33%
EPS 5Y7.87%
EPS Q2Q%-48.44%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)13.14%
Revenue growth 3Y9.04%
Revenue growth 5Y-7.93%
Sales Q2Q%11.59%
Revenue Next YearN/A
Revenue Next 2YN/A
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%