YIREN DIGITAL LTD - SPS ADR (YRD)
US98585L1008 - ADR
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 has outstanding health and profitabily ratings, belonging to the best of the industry. This is a solid base for any company. YRD is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year YRD was profitable.
YRD had a positive operating cash flow in the past year.
YRD had positive earnings in 4 of the past 5 years.
YRD had a positive operating cash flow in each of the past 5 years.
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.
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.
YRD has a better Return On Invested Capital (15.71%) than 92.31% of its industry peers.
The Average Return On Invested Capital over the past 3 years for YRD is significantly above the industry average of 7.32%.
| Industry Rank | Sector 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
1.3 Margins
Looking at the Profit Margin, with a value of 32.38%, YRD belongs to the top of the industry, outperforming 94.23% 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 94.23% of its industry peers.
YRD's Operating Margin has improved in the last couple of years.
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 Rank | Sector 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%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so YRD is creating value.
The number of shares outstanding for YRD has been reduced compared to 1 year ago.
YRD has more shares outstanding than it did 5 years ago.
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
YRD has an Altman-Z score of 2.80. This is not the best score and indicates that YRD is in the grey zone with still only limited risk for bankruptcy at the moment.
YRD's Altman-Z score of 2.80 is amongst the best of the industry. YRD outperforms 84.62% 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | 2.8 |
ROIC/WACC1.93
WACC8.15%
2.3 Liquidity
YRD has a Current Ratio of 4.78. This indicates that YRD is financially healthy and has no problem in meeting its short term obligations.
YRD's Current ratio of 4.78 is amongst the best of the industry. YRD outperforms 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.
YRD has a Quick ratio of 4.78. This is amongst the best in the industry. YRD outperforms 84.62% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 4.78 | ||
| Quick Ratio | 4.78 |
3. Growth
3.1 Past
The earnings per share for YRD have decreased by -6.96% in the last year.
YRD shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.54% yearly.
The Revenue has grown by 19.51% in the past year. This is quite good.
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.
4. Valuation
4.1 Price/Earnings Ratio
YRD is valuated cheaply with a Price/Earnings ratio of 1.64.
Based on the Price/Earnings ratio, YRD is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 27.73, YRD is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.64 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of YRD indicates a rather cheap valuation: YRD is cheaper than 80.77% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.04 | ||
| EV/EBITDA | -0.4 |
4.3 Compensation for Growth
YRD has an outstanding profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.25
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
YRD has a Yearly Dividend Yield of 3.96%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 4.29, YRD pays a bit more dividend than its industry peers.
YRD's Dividend Yield is rather good when compared to the S&P500 average which is at 2.24.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.96% |
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
5.3 Sustainability
DPN/A
EPS Next 2YN/A
EPS Next 3YN/A
YIREN DIGITAL LTD - SPS ADR
NYSE:YRD (12/20/2024, 8:04:00 PM)
4.71
+0.17 (+3.74%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners2.89%
Inst Owner Change2.66%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap409.46M
Analysts42.5
Price Target2 (-57.54%)
Short Float %0.13%
Short Ratio0.63
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.96% |
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-Date
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 | 1.64 | ||
| Fwd PE | N/A | ||
| P/S | 0.53 | ||
| P/FCF | 2.04 | ||
| P/OCF | 2.04 | ||
| P/B | 0.32 | ||
| P/tB | 0.32 | ||
| EV/EBITDA | -0.4 |
EPS(TTM)2.87
EY60.93%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.31
FCFY49.14%
OCF(TTM)2.31
OCFY49.14%
SpS8.87
BVpS14.64
TBVpS14.64
PEG (NY)N/A
PEG (5Y)0.25
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 2.8 |
F-Score5
WACC8.15%
ROIC/WACC1.93
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