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

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

7.57  -0.01 (-0.13%)

After market: 7.58 +0.01 (+0.13%)

Fundamental Rating

6

Taking everything into account, YRD scores 6 out of 10 in our fundamental rating. YRD was compared to 53 industry peers in the Consumer Finance industry. YRD scores excellent points on both the profitability and health parts. This is a solid base for a good stock. YRD has a valuation in line with the averages, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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8

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.
YRD had positive earnings in 4 of the past 5 years.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 2B -2B -4B

1.2 Ratios

With an excellent Return On Assets value of 14.63%, YRD belongs to the best of the industry, outperforming 96.15% of the companies in the same industry.
Looking at the Return On Equity, with a value of 19.62%, YRD is in the better half of the industry, outperforming 76.92% of the companies in the same industry.
YRD has a Return On Invested Capital of 15.71%. This is amongst the best in the industry. YRD outperforms 92.31% of its industry peers.
YRD had an Average Return On Invested Capital over the past 3 years of 19.58%. This is significantly above the industry average of 7.30%.
Industry RankSector Rank
ROA 14.63%
ROE 19.62%
ROIC 15.71%
ROA(3y)15.86%
ROA(5y)9.85%
ROE(3y)22.32%
ROE(5y)14.87%
ROIC(3y)19.58%
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 0 -100 -200 -300 -400

1.3 Margins

The Profit Margin of YRD (32.38%) is better than 94.23% of its industry peers.
YRD's Profit Margin has improved in the last couple of years.
YRD's Operating Margin of 36.22% is amongst the best of the industry. YRD outperforms 94.23% of its industry peers.
In the last couple of years the Operating Margin of YRD has grown nicely.
YRD's Gross Margin of 84.53% is amongst the best of the industry. YRD outperforms 82.69% of its industry peers.
In the last couple of years the Gross Margin of YRD has declined.
Industry RankSector Rank
OM 36.22%
PM (TTM) 32.38%
GM 84.53%
OM growth 3YN/A
OM growth 5Y34.39%
PM growth 3YN/A
PM growth 5Y26.21%
GM growth 3Y3.55%
GM growth 5Y-2.55%
YRD Yearly Profit, Operating, Gross MarginsYRD Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 20 40 60 80

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9

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), YRD is creating value.
Compared to 1 year ago, YRD has less shares outstanding
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 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 5B 10B

2.2 Solvency

An Altman-Z score of 3.16 indicates that YRD is not in any danger for bankruptcy at the moment.
YRD has a better Altman-Z score (3.16) than 86.54% of its industry peers.
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.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z 3.16
ROIC/WACC1.98
WACC7.94%
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 0 2B -2B 4B -4B 6B 8B

2.3 Liquidity

A Current Ratio of 4.78 indicates that YRD has no problem at all paying its short term obligations.
YRD has a better Current ratio (4.78) than 84.62% of its industry peers.
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 84.62% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 4.78
Quick Ratio 4.78
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 2B 4B 6B 8B 10B

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1

3. Growth

3.1 Past

YRD shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -6.96%.
The Earnings Per Share has been growing slightly by 6.54% on average over the past years.
YRD shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 19.51%.
The Revenue for YRD have been decreasing by -16.29% on average. This is quite bad
EPS 1Y (TTM)-6.96%
EPS 3YN/A
EPS 5Y6.54%
EPS Q2Q%-35.08%
Revenue 1Y (TTM)19.51%
Revenue growth 3Y7.31%
Revenue growth 5Y-16.29%
Sales Q2Q%12.84%

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 2B 4B 6B 8B 10B
YRD Yearly EPS VS EstimatesYRD Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 5 10 15 20

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5

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 2.62, 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.
YRD is valuated cheaply when we compare the Price/Earnings ratio to 29.63, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 2.62
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 Enterprise Value to EBITDA ratio, YRD is valued cheaply inside the industry as 94.23% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, YRD is valued a bit cheaper than 69.23% of the companies in the same industry.
Industry RankSector Rank
P/FCF 3.25
EV/EBITDA 0.52
YRD Per share dataYRD EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10

4.3 Compensation for Growth

YRD has an outstanding profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.4
EPS Next 2YN/A
EPS Next 3YN/A

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3

5. Dividend

5.1 Amount

YRD has a Yearly Dividend Yield of 2.37%. Purely for dividend investing, there may be better candidates out there.
YRD's Dividend Yield is a higher than the industry average which is at 4.03.
YRD's Dividend Yield is comparable with the S&P500 average which is at 2.27.
Industry RankSector Rank
Dividend Yield 2.37%

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
YRD Yearly Dividends per shareYRD Yearly Dividends per shareYearly Dividends per share 2017 2018 2024 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 0 2B -2B -4B

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YIREN DIGITAL LTD - SPS ADR

NYSE:YRD (2/21/2025, 8:04:00 PM)

After market: 7.58 +0.01 (+0.13%)

7.57

-0.01 (-0.13%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-19 2024-11-19/bmo
Earnings (Next)03-19 2025-03-19
Inst Owners2.79%
Inst Owner Change-99.9%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap658.09M
Analysts42.5
Price TargetN/A
Short Float %0.3%
Short Ratio1.08
Dividend
Industry RankSector Rank
Dividend Yield 2.37%
Yearly Dividend0.87
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
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 2.62
Fwd PE N/A
P/S 0.85
P/FCF 3.25
P/OCF 3.25
P/B 0.51
P/tB 0.51
EV/EBITDA 0.52
EPS(TTM)2.89
EY38.18%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.33
FCFY30.75%
OCF(TTM)2.33
OCFY30.75%
SpS8.92
BVpS14.72
TBVpS14.72
PEG (NY)N/A
PEG (5Y)0.4
Profitability
Industry RankSector Rank
ROA 14.63%
ROE 19.62%
ROCE 19.83%
ROIC 15.71%
ROICexc 24.57%
ROICexgc 24.57%
OM 36.22%
PM (TTM) 32.38%
GM 84.53%
FCFM 26.09%
ROA(3y)15.86%
ROA(5y)9.85%
ROE(3y)22.32%
ROE(5y)14.87%
ROIC(3y)19.58%
ROIC(5y)N/A
ROICexc(3y)53.21%
ROICexc(5y)N/A
ROICexgc(3y)53.7%
ROICexgc(5y)N/A
ROCE(3y)24.71%
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5Y-41.15%
ROICexc growth 3YN/A
ROICexc growth 5Y-29.37%
OM growth 3YN/A
OM growth 5Y34.39%
PM growth 3YN/A
PM growth 5Y26.21%
GM growth 3Y3.55%
GM growth 5Y-2.55%
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 71.78%
Profit Quality 80.58%
Current Ratio 4.78
Quick Ratio 4.78
Altman-Z 3.16
F-Score5
WACC7.94%
ROIC/WACC1.98
Cap/Depr(3y)29.21%
Cap/Depr(5y)32.22%
Cap/Sales(3y)0.11%
Cap/Sales(5y)0.33%
Profit Quality(3y)91.08%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-6.96%
EPS 3YN/A
EPS 5Y6.54%
EPS Q2Q%-35.08%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)19.51%
Revenue growth 3Y7.31%
Revenue growth 5Y-16.29%
Sales Q2Q%12.84%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-19.74%
EBIT growth 3YN/A
EBIT growth 5Y12.5%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-6.3%
FCF growth 3Y104.56%
FCF growth 5YN/A
OCF growth 1Y-6.3%
OCF growth 3Y97.46%
OCF growth 5YN/A