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

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

5.7  -0.16 (-2.73%)

After market: 5.7 0 (0%)

Fundamental Rating

6

We assign a fundamental rating of 6 out of 10 to YRD. YRD was compared to 53 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 it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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8

1. Profitability

1.1 Basic Checks

In the past year YRD was profitable.
In the past year YRD had a positive cash flow from operations.
YRD had positive earnings in 4 of the past 5 years.
YRD had a positive operating cash flow in 4 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

Looking at the Return On Assets, with a value of 14.63%, YRD belongs to the top of the industry, outperforming 96.23% of the companies in the same industry.
With a decent Return On Equity value of 19.62%, YRD is doing good in the industry, outperforming 75.47% of the companies in the same industry.
YRD's Return On Invested Capital of 16.22% is amongst the best of the industry. YRD outperforms 90.57% of its industry peers.
The Average Return On Invested Capital over the past 3 years for YRD is significantly above the industry average of 8.61%.
Industry RankSector 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
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

With an excellent Profit Margin value of 32.38%, YRD belongs to the best of the industry, outperforming 96.23% of the companies in the same industry.
In the last couple of years the Profit Margin of YRD has grown nicely.
YRD's Operating Margin of 36.22% is amongst the best of the industry. YRD outperforms 94.34% of its industry peers.
In the last couple of years the Operating Margin of YRD has grown nicely.
With an excellent Gross Margin value of 84.53%, YRD belongs to the best of the industry, outperforming 83.02% of the companies in the same industry.
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 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

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8

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.
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 2024 5B 10B

2.2 Solvency

An Altman-Z score of 2.94 indicates that YRD is not a great score, but indicates only limited risk for bankruptcy at the moment.
YRD has a Altman-Z score of 2.94. This is amongst the best in the industry. YRD outperforms 81.13% 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 2.94
ROIC/WACC2.02
WACC8.05%
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 4.78 indicates that YRD has no problem at all paying its short term obligations.
YRD has a better Current ratio (4.78) than 88.68% of its industry peers.
YRD has a Quick Ratio of 4.78. This indicates that YRD is financially healthy and has no problem in meeting its short term obligations.
With an excellent Quick ratio value of 4.78, YRD belongs to the best of the industry, outperforming 88.68% 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 2024 2B 4B 6B 8B 10B

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1

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.
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

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4

4. Valuation

4.1 Price/Earnings Ratio

YRD is valuated cheaply with a Price/Earnings ratio of 2.24.
Based on the Price/Earnings ratio, YRD is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
YRD's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.29.
Industry RankSector Rank
PE 2.24
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 73.58% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 2.46
EV/EBITDA N/A
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)0.29
EPS Next 2YN/A
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

YRD has a Yearly Dividend Yield of 6.67%, which is a nice return.
YRD's Dividend Yield is rather good when compared to the industry average which is at 4.85. YRD pays more dividend than 90.57% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.57, YRD pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.67%

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 Years0
Div Non Decr Years0
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

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YIREN DIGITAL LTD - SPS ADR

NYSE:YRD (4/17/2025, 8:04:00 PM)

After market: 5.7 0 (0%)

5.7

-0.16 (-2.73%)

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 Change0%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap495.53M
Analysts42.5
Price TargetN/A
Short Float %0.45%
Short Ratio1.53
Dividend
Industry RankSector Rank
Dividend Yield 6.67%
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 RankSector Rank
PE 2.24
Fwd PE N/A
P/S 0.64
P/FCF 2.46
P/OCF 2.46
P/B 0.39
P/tB 0.39
EV/EBITDA N/A
EPS(TTM)2.54
EY44.56%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.31
FCFY40.6%
OCF(TTM)2.31
OCFY40.6%
SpS8.87
BVpS14.64
TBVpS14.64
PEG (NY)N/A
PEG (5Y)0.29
Profitability
Industry RankSector 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 RankSector 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 2.94
F-Score5
WACC8.05%
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