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Yiren Digital Ltd. YRD

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Price alert · YRD

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0.42 USD -0.06 -11.81%

At close · Oct 30

0.42 0.00 +1.18%

After hours · Oct 30, 4:00 PM ET

Bid
0.41 × 300
Ask
0.43 × 100
0.4106 Day range 0.4869
0.4151 52-week range 5.58
YTD
-88.78%
1 year
-92.24%
Open
0.487
Prev close
0.4707
Mkt cap
36.32M
Vol
205.73K
Avg vol
2.26M
EPS
-2.45
P/E
0.00
Div yield
3.37%
More statistics
Low
0.4106
High
0.4869
Forward P/E
11.24
Beta
0.72
Short ratio
0.27
Inst. own
2.93%
Dividend
0.20
Ex-div date
Sep 29, 2024
50-d avg
5.42
200-d avg
5.06
1y target
0.00

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Financial health

Altman Z-Score

1.25 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

1 / 9 Weak

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 5
  • Return on Equity 1
  • Return on Assets 1
  • Debt / Equity 5
  • P/E 1
  • P/B 5

Valuation

P/E 28.7×
FY 2016: 7.6×FY 2017: -99.9×FY 2018: 7.0×FY 2019: 3.1×FY 2020: -2.8×FY 2021: 1.5×FY 2022: 0.7×FY 2023: 0.9×FY 2024: 1.9×FY 2025: 28.7×
FY 2016 5y median 1.5× FY 2025
P/S 0.4×
FY 2016: 2.6×FY 2017: 1.6×FY 2018: 0.6×FY 2019: 0.4×FY 2020: 0.5×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.4×FY 2024: 0.5×FY 2025: 0.4×
FY 2016 5y median 0.4× FY 2025
P/B 0.2×
FY 2016: 4.0×FY 2017: 6.3×FY 2018: -18.7×FY 2019: 0.8×FY 2020: 0.5×FY 2021: 0.3×FY 2022: 0.1×FY 2023: 0.2×FY 2024: 0.3×FY 2025: 0.2×
FY 2016 5y median 0.2× FY 2025
P/FCF 3.3×
FY 2016: 4.1×FY 2017: -554×FY 2018: -1.7×FY 2019: 15.8×FY 2020: 7.3×FY 2021: 10.3×FY 2022: 0.4×FY 2023: 0.9×FY 2024: 2.1×FY 2025: 3.3×
FY 2016 5y median 2.1× FY 2025
EV/EBITDA 40.0×
FY 2016: 6.9×FY 2017: 96.0×FY 2018: 4.8×FY 2019: 0.4×FY 2020: 0.3×FY 2021: -0.2×FY 2022: -1.7×FY 2023: -1.5×FY 2024: -0.5×FY 2025: 40.0×
FY 2016 5y median -0.5× FY 2025
EV/Sales -0.2×
FY 2016: 2.3×FY 2017: 1.5×FY 2018: 0.4×FY 2019: 0.1×FY 2020: 0.0×FY 2021: -0.1×FY 2022: -0.8×FY 2023: -0.8×FY 2024: -0.1×FY 2025: -0.2×
FY 2016 5y median -0.2× FY 2025
FCF Yield 30.2%
FY 2016: 24.5%FY 2017: -0.2%FY 2018: -60.2%FY 2019: 6.3%FY 2020: 13.7%FY 2021: 9.7%FY 2022: 229.4%FY 2023: 110.7%FY 2024: 46.6%FY 2025: 30.2%
FY 2016 5y median 46.6% FY 2025

Profitability

Gross Margin 85.8%
FY 2016: 94.4%FY 2017: 89.3%FY 2018: 90.6%FY 2019: 92.3%FY 2020: 72.1%FY 2021: 83.0%FY 2022: 77.4%FY 2023: 80.1%FY 2024: 84.8%FY 2025: 85.8%
FY 2016 5y median 83.0% FY 2025
Operating Margin 38.5%
FY 2016: 33.5%FY 2017: 0.3%FY 2018: 6.9%FY 2019: 13.1%FY 2020: -1.3%FY 2021: 28.7%FY 2022: 42.9%FY 2023: 53.0%FY 2024: 28.4%FY 2025: 38.5%
FY 2016 5y median 38.5% FY 2025
Net Margin 0.7%
FY 2016: 34.5%FY 2017: -1.6%FY 2018: 14.1%FY 2019: 13.4%FY 2020: -17.5%FY 2021: 23.1%FY 2022: 34.8%FY 2023: 42.5%FY 2024: 27.3%FY 2025: 0.7%
FY 2016 5y median 27.3% FY 2025
ROE 0.4%
FY 2016: 52.2%FY 2017: -6.3%FY 2018: -434.7%FY 2019: 25.7%FY 2020: -18.3%FY 2021: 21.4%FY 2022: 19.8%FY 2023: 25.7%FY 2024: 16.6%FY 2025: 0.4%
FY 2016 5y median 19.8% FY 2025
ROIC -12.7%
FY 2016: 30.0%FY 2017: -0.6%FY 2018: 26.7%FY 2019: 13.5%FY 2020: -1.0%FY 2021: 17.9%FY 2022: 16.7%FY 2023: 23.1%FY 2024: 12.9%FY 2025: -12.7%
FY 2016 5y median 16.7% FY 2025
ROA 0.3%
FY 2016: 23.3%FY 2017: -2.5%FY 2018: 11.1%FY 2019: 12.0%FY 2020: -10.3%FY 2021: 13.3%FY 2022: 14.0%FY 2023: 20.2%FY 2024: 12.2%FY 2025: 0.3%
FY 2016 5y median 13.3% FY 2025

Growth (YoY)

Revenue -4.0%
FY 2016: 145.6%FY 2017: 259.8%FY 2018: -3.5%FY 2019: -23.4%FY 2020: -54.0%FY 2021: 13.0%FY 2022: -23.3%FY 2023: 42.5%FY 2024: 18.6%FY 2025: -4.0%
FY 2016 FY 2025
Operating Income 30.3%
FY 2016: 161.3%FY 2017: -96.7%FY 2018: 2097.2%FY 2019: 45.3%FY 2020: -104.4%FY 2021: 2674.7%FY 2022: 14.3%FY 2023: 76.3%FY 2024: -36.5%FY 2025: 30.3%
FY 2016 FY 2025
EPS (diluted) -95.0%
FY 2016: 243.1%FY 2017: -116.2%FY 2018: 441.4%FY 2019: 19.4%FY 2020: -162.0%FY 2021: 257.7%FY 2022: 12.6%FY 2023: 70.8%FY 2024: -22.2%FY 2025: -95.0%
FY 2016 FY 2025
Free Cash Flow -52.1%
FY 2016: 146.6%FY 2017: -101.6%FY 2018: -11999.6%FY 2019: 105.5%FY 2020: 18.6%FY 2021: -44.5%FY 2022: 1142.4%FY 2023: 17.2%FY 2024: -34.7%FY 2025: -52.1%
FY 2016 FY 2025

Financial Health

Current Ratio 6.8×
FY 2016: 3.6×FY 2017: 3.9×FY 2018: 0.8×FY 2019: 2.4×FY 2020: 2.6×FY 2021: 4.1×FY 2022: 5.1×FY 2023: 6.3×FY 2024: 5.6×FY 2025: 6.8×
FY 2016 5y median 5.6× FY 2025
Quick Ratio 6.8×
FY 2016: 3.6×FY 2017: 3.9×FY 2018: 0.8×FY 2019: 2.4×FY 2020: 2.6×FY 2021: 4.1×FY 2022: 5.1×FY 2023: 6.3×FY 2024: 5.6×FY 2025: 6.8×
FY 2016 5y median 5.6× FY 2025
Debt / Equity 0.0×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: -0.5×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.1×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.0× FY 2025
Net Debt / EBITDA 125×
FY 2016: -0.9×FY 2017: -10.5×FY 2018: -2.6×FY 2019: -1.9×FY 2020: -6.8×FY 2021: -1.2×FY 2022: -2.3×FY 2023: -2.2×FY 2024: -2.3×FY 2025: 125×
FY 2016 5y median -2.2× FY 2025
Interest Coverage 0.0×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 20.9×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.0× FY 2025

Dividends

Dividend Yield 12.2%
FY 2016: 0.0%FY 2017: 3.2%FY 2018: 1.6%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 4.0%FY 2025: 12.2%
FY 2016 5y median 0.0% FY 2025
Payout Ratio 692.9%
FY 2016: 0.0%FY 2017: -321.8%FY 2018: 6.7%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 7.7%FY 2025: 692.9%
FY 2016 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31