YIREN DIGITAL LTD - SPS ADR (YRD)       3.39  +0.21 (+6.6%)

3.39  +0.21 (+6.6%)

US98585L1008 - ADR - After market: 3.45 +0.06 (+1.77%)


Fundamental Rating

5

Overall YRD gets a fundamental rating of 5 out of 10. We evaluated YRD against 56 industry peers in the Consumer Finance industry. While YRD has a great health rating, its profitability is only average at the moment. YRD is valued quite cheap, while showing a decent growth score. This is a good combination!

Note: YRD has only limited data available, so a full analysis was not possible, which makes the total rating unfair.




Profitability

Profitability Rating

5

YRD's Return On Assets of 13.35% is amongst the best returns of the industry. YRD outperforms 94% of its industry peers. The industry average Return On Assets is 3.63%.
YRD has a Return On Equity of 21.42%. This is comparable to the industry average of 20.40%.

YRD has a Profit Margin of 23.07%. This is comparable to the industry average of 21.00%.
The Piotroski-F score of YRD is 6.00. This is a neutral score and indicates average health and profitability for YRD.
VS Industry

ROA (13.35%) VS Industry: 94% outperformed.

0.29
1,136.34

ROE (21.42%) VS Industry: 52% outperformed.

0.77
1,345.78

Profit Margin (23.07%) VS Industry: 55% outperformed.

0.53
42.22

Valuation

Valuation Rating

7

With a Price/Earnings Ratio of 1.85, the valuation of YRD can be described as very cheap.
YRD's Price/Earning Ratio is rather cheap when compared to the industry average which is at 6.07. YRD is also cheaper than 95% of the companies in the same industry.
With a price book ratio of 0.41, YRD is valued rather cheaply.

Compared to an average industry price book ratio of 1.10, YRD is valued rather cheaply. On top of this, YRD is cheaper than 90% of the companies listed in the same industry.
When comparing the Enterprise Value to EBITDA ratio of YRD to the average industry ratio of 12.07, YRD is valued rather cheaply. YRD is also cheaper than 100% of the companies listed in the same industry.
VS Industry

Price/Earnings (1.85) VS Industry: 95% outperformed.

69.67
0.77

Price/Book (0.41) VS Industry: 90% outperformed.

10.31
0.17

Enterprise Value/ EBITDA (0.09) VS Industry: 100% outperformed.

48.97
0.09

Growth

Growth Rating

4

The Earnings Per Share has grown by an impressive 244.95% over the past year.
The Revenue has grown by 13.02% in the past year. This is quite good.

The Earnings Per Share has been decreasing by -8.22% on average over the past 5 years.
YRD shows a small growth in Revenue. Measured over the last 5 years, the Revenue has been growing by 6.70% yearly.

PastFuture
5Y3Y1Y1Y2Y3Y5Y
EPS-8.22% -10.67% 244.95% N/A N/A N/A N/A
Revenue6.7% -27.82% 13.02% N/A N/A N/A N/A

Health

Health Rating

7

YRD has a Current Ratio of 2.49. This indicates that YRD is financially healthy and has no problem in meeting its short term obligations.
The Current Ratio of YRD is much better than the industry average of 1.72.
A Quick Ratio of 2.49 indicates that YRD has no problem at all paying its short term obligations.
When comparing the Quick Ratio to an average industry Quick Ratio of 1.71, YRD is better placed than the average industry peer to meet its short term obligations.

When comparing the Debt to Equity Ratio of 0.21 to an average industry Debt to Equity of 1.28, YRD is way less dependent on financing that its industry peers.
The Altman-Z score of YRD is much better than the industry average of 0.91.
An Altman-Z score of 1.89 indicates that YRD is not a great score, but indicates only limited risk for bankruptcy at the moment.
The Piotroski-F score of YRD is 6.00. This is a neutral score and indicates average health and profitability for YRD.
VS Industry

Debt/Equity (0.21) VS Industry: 79% outperformed.

21.53
0.00

Quick Ratio (2.49) VS Industry: 71% outperformed.

0.05
17.97

Current Ratio (2.49) VS Industry: 71% outperformed.

0.05
17.97

Altman-Z (1.89) VS Industry: 71% outperformed.

-5.40
7.56

Dividend

Dividend Rating

0

YRD does not give a dividend.

YIREN DIGITAL LTD - SPS ADR3.39

NYSE:YRD (1/27/2023, 7:04:00 PM)+0.21 (+6.6%)

After market: 3.45 +0.06 (+1.77%)

Chartmill FA Rating
GICS Sector Financials
GICS IndustryGroup Diversified Financials
GICS Industry Consumer Finance
Earnings (Last) 11-22 2022-11-22/bmo Earnings (Next) N/A N/A
Inst Owners 1.49% Inst Owner Change 0%
Ins Owners N/A Ins Owner Change N/A
Market Cap 289.30M Analysts 42.5
Price Target 2 (-41%)

Dividend
Dividend Yield N/A Dividend Growth N/A
DP N/A Ex-Date N/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
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
PT rev (1m) 0% EPS NQ rev (1m) N/A
EPS NY rev (1m) N/A Revenue NQ rev (1m) N/A
Revenue NY rev (1m) N/A

Valuation
Industry RankSector Rank
PE 1.85
Fwd PE N/A
P/S 0.44
P/FCF 13.19
P/OCF 12.4
P/B 0.41
P/tB 0.41
EV/EBITDA 0.09
EPS(TTM) 1.83 EY 53.98%
EPS(NY) N/A Fwd EY N/A
FCF(TTM) 0.26 FCFY 7.58%
OCF(TTM) 0.27 OCFY 8.06%
SpS 7.74 BVpS 8.33
TBVpS 8.33 PEG (NY) N/A
PEG (5Y) N/A

Profitability
Industry RankSector Rank
ROA 13.35%
ROE 21.42%
ROIC 18.48%
ROICexc 35.47%
ROICexgc 35.73%
OM 28.75%
PM 23.07%
GM 83.01%
ROICexgc(3y) N/A ROICexcg growth 3Y -69.73%
ROICexcg growth 5Y -1.42% ROICexc(3y) N/A
ROICexc growth 3Y -58.96% ROICexc growth 5Y 5.27%
OM growth 3Y 33.46% OM growth 5Y -3.02%
PM growth 3Y 20.24% PM growth 5Y -7.72%
GM growth 3Y -3.05% GM growth 5Y -2.55%
F-Score 6 Asset Turnover 0.58

Health
Industry RankSector Rank
Debt/Equity 0.21
Debt/FCF 6.91
Debt/EBITDA 0.77
Cap/Depr 21.75%
Profit Quality 14.4%
Current Ratio 2.49
Quick Ratio 2.49
Altman-Z 1.89
F-Score 6 WACC 8.11%
ROIC/WACC 4.41 Cap/Depr(3y) 31.75%
Cap/Depr(5y) 97.64% Profit Quality(3y) N/A
Profit Quality(5y) N/A

Growth
EPS 1Y 244.95% EPS 3Y -10.67%
EPS 5Y -8.22% EPS growth Q2Q 154.75%
EPS Next Y N/A EPS Next 2Y N/A
EPS Next 3Y N/A EPS Next 5Y N/A
Revenue growth 1Y 13.02% Revenue growth 3Y -27.82%
Revenue growth 5Y 6.7% Revenue growth Q2Q -12.06%
Revenue Next Year N/A Revenue Next 2Y N/A
Revenue Next 3Y N/A Revenue Next 5Y N/A
EBIT growth 1Y 2679.83% EBIT growth 3Y -3.67%
EBIT growth 5Y 3.48% EBIT Next Year N/A
EBIT Next 3Y N/A EBIT Next 5Y N/A
FCF growth 1Y -41.21% FCF growth 3Y N/A
FCF growth 5Y -41.18% OCF growth 1Y -43.9%
OCF growth 3Y N/A OCF growth 5Y -40.46%

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