YIREN DIGITAL LTD - SPS ADR(NYSE:YRD) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 6 out of 10 to YRD. YRD was compared to 52 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 on the other hand it scores bad on growth.

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1. Profitability

1.1 Basic Checks

YRD had positive earnings in the past year.

In the past year YRD had a positive cash flow from operations.

Of the past 5 years YRD 4 years were profitable.

Of the past 5 years YRD 4 years had a positive operating cash flow.

1.2 Ratios

The Return On Assets of YRD (14.63%) is better than 96.15% of its industry peers.

With a decent Return On Equity value of 19.62%, YRD is doing good in the industry, outperforming 78.85% of the companies in the same industry.

With an excellent Return On Invested Capital value of 16.22%, YRD belongs to the best of the industry, outperforming 86.54% 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 9.60%.

		Industry Rank	Sector Rank
ROA	14.63%
ROE	19.62%
ROIC	16.22%

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 better Profit Margin (32.38%) than 92.31% of its industry peers.

YRD's Profit Margin has improved in the last couple of years.

The Operating Margin of YRD (36.22%) is better than 90.38% of its industry peers.

YRD's Operating Margin has improved in the last couple of years.

Looking at the Gross Margin, with a value of 84.53%, YRD belongs to the top of the industry, outperforming 80.77% of the companies in the same industry.

In the last couple of years the Gross Margin of YRD has declined.

		Industry Rank	Sector Rank
OM	36.22%
PM (TTM)	32.38%
GM	84.53%

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%

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), YRD is creating value.

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 2.99 indicates that YRD is not in any danger for bankruptcy at the moment.

The Altman-Z score of YRD (2.99) is better than 82.69% 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 Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Altman-Z	2.99

ROIC/WACC2.02

WACC8.02%

2.3 Liquidity

A Current Ratio of 4.78 indicates that YRD has no problem at all paying its short term obligations.

With an excellent Current ratio value of 4.78, YRD belongs to the best of the industry, outperforming 88.46% of the companies in the same industry.

A Quick Ratio of 4.78 indicates that YRD has no problem at all paying its short term obligations.

Looking at the Quick ratio, with a value of 4.78, YRD belongs to the top of the industry, outperforming 88.46% of the companies in the same industry.

		Industry Rank	Sector Rank
Current Ratio	4.78
Quick Ratio	4.78

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

YRD shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -21.52%.

The Earnings Per Share has been growing slightly by 7.87% on average over the past years.

Looking at the last year, YRD shows a quite strong growth in Revenue. The Revenue has grown by 19.14% in the last year.

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)-21.52%

EPS 3Y14.33%

EPS 5Y7.87%

EPS Q2Q%-37.41%

Revenue 1Y (TTM)19.14%

Revenue growth 3Y9.04%

Revenue growth 5Y-7.93%

Sales Q2Q%16.07%

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.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 2.40, 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 26.03, YRD is valued rather cheaply.

		Industry Rank	Sector Rank
PE	2.4
Fwd PE	N/A

4.2 Price Multiples

YRD's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. YRD is cheaper than 75.00% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	2.63
EV/EBITDA	N/A

4.3 Compensation for Growth

The excellent profitability rating of YRD may justify a higher PE ratio.

PEG (NY)N/A

PEG (5Y)0.3

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

YRD has a Yearly Dividend Yield of 6.07%, which is a nice return.

Compared to an average industry Dividend Yield of 4.26, YRD pays a better dividend. On top of this YRD pays more dividend than 86.54% of the companies listed in the same industry.

Compared to an average S&P500 Dividend Yield of 2.36, YRD pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	6.07%

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 Years0

Div Non Decr Years0

5.3 Sustainability

DPN/A

EPS Next 2YN/A

EPS Next 3YN/A

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YIREN DIGITAL LTD - SPS ADR

NYSE:YRD (5/22/2025, 10:27:27 AM)

6.16

-0.02 (-0.32%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryConsumer Finance

Earnings (Last)03-20 2025-03-20

Earnings (Next)06-19 2025-06-19

Inst Owners2.79%

Inst Owner Change9.68%

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap535.52M

Analysts42.5

Price TargetN/A

Short Float %0.38%

Short Ratio1.01

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6.07%

Yearly DividendN/A

Dividend Growth(5Y)N/A

DPN/A

Div Incr Years0

Div Non Decr Years0

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 Rank	Sector Rank
PE	2.4
Fwd PE	N/A
P/S	0.69
P/FCF	2.63
P/OCF	2.63
P/B	0.42
P/tB	0.42
EV/EBITDA	N/A

EPS(TTM)2.57

EY41.72%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)2.34

FCFY38.06%

OCF(TTM)2.34

OCFY38.06%

SpS8.99

BVpS14.83

TBVpS14.83

PEG (NY)N/A

PEG (5Y)0.3

Profitability

		Industry Rank	Sector Rank
ROA	14.63%
ROE	19.62%
ROCE	19.83%
ROIC	16.22%
ROICexc	25.36%
ROICexgc	25.36%
OM	36.22%
PM (TTM)	32.38%
GM	84.53%
FCFM	26.09%

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)50.57%

ROICexgc(5y)N/A

ROCE(3y)22.63%

ROCE(5y)N/A

ROICexcg growth 3Y-17.06%

ROICexcg growth 5Y-8.21%

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 Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	N/A
Interest Coverage	250
Cash Conversion	N/A
Profit Quality	80.58%
Current Ratio	4.78
Quick Ratio	4.78
Altman-Z	2.99

F-Score5

WACC8.02%

ROIC/WACC2.02

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-21.52%

EPS 3Y14.33%

EPS 5Y7.87%

EPS Q2Q%-37.41%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)19.14%

Revenue growth 3Y9.04%

Revenue growth 5Y-7.93%

Sales Q2Q%16.07%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y-19.74%

EBIT growth 3Y8.57%

EBIT growth 5Y5.06%

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-34.03%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-34.03%

OCF growth 3YN/A

OCF growth 5YN/A

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

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

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3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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