(YRD) Yirendai - Ratings and Ratios
Loans, Insurance, Lifestyle Services
YRD EPS (Earnings per Share)
YRD Revenue
Description: YRD Yirendai
Yiren Digital Ltd. is a pioneering financial services company in China, leveraging AI to deliver a comprehensive suite of financial and lifestyle services through its innovative platform. By providing a diverse range of loan products, insurance brokerage services, and consumption and lifestyle services, the company effectively supports the varied needs of its clients across different growth stages. Its services are designed to address financing requirements stemming from both consumption and production activities, ultimately enhancing the well-being and financial security of individuals, families, and businesses.
As a subsidiary of CreditEase Holdings (Cayman) Limited, Yiren Digital Ltd. has established itself as a significant player in the consumer finance sector, with its roots dating back to 2012 when it was founded in Beijing, China. Initially known as Yirendai Ltd., the company rebranded to Yiren Digital Ltd. in September 2019, reflecting its evolving business scope and technological advancements. For more information, you can visit their official website at https://www.yiren.com.
From a technical analysis perspective, YRDs stock price is currently at $5.93, indicating a potential undervaluation given its SMA200 of $5.92. The stock has shown a 52-week high of $8.61 and a low of $4.15, suggesting volatility. With an ATR of 0.36, representing a 5.99% fluctuation, the stock exhibits moderate volatility. Considering its SMA20 and SMA50 are above the current price, at $6.45 and $6.35 respectively, there is a potential for the stock to rebound as it is currently trading below these averages.
Fundamentally, Yiren Digital Ltd. has a market capitalization of $508.93M USD and a P/E ratio of 2.74, with a forward P/E of 3.07, indicating that the stock might be undervalued relative to its earnings potential. The companys Return on Equity (RoE) stands at 15.30%, suggesting a relatively strong profitability in terms of shareholder equity. Combining these fundamental insights with the technical data, a forecast could be that YRD has the potential to rise towards its SMA20 or SMA50 in the short term, driven by its undervaluation and positive RoE. However, the overall market conditions, competition in the consumer finance sector, and the companys ability to maintain its profitability will be crucial factors influencing its stock performance.
Forecasting the stocks future performance, if YRD can maintain its current RoE and improve its earnings, potentially breaking through the resistance levels indicated by its SMA20 and SMA50, it could see a price increase. A potential target could be around $6.50-$7.00, aligning with its recent moving averages. However, this forecast is contingent upon the companys continued financial health, successful adaptation to market changes, and overall market sentiment towards the consumer finance sector.
YRD Stock Overview
| Market Cap in USD | 522m |
| Sub-Industry | Consumer Finance |
| IPO / Inception | 2015-12-18 |
YRD Stock Ratings
| Growth Rating | 46.4% |
| Fundamental | 64.5% |
| Dividend Rating | 61.0% |
| Return 12m vs S&P 500 | 14.5% |
| Analyst Rating | - |
YRD Dividends
| Dividend Yield 12m | 7.13% |
| Yield on Cost 5y | 13.42% |
| Annual Growth 5y | % |
| Payout Consistency | 24.7% |
| Payout Ratio | 5.8% |
YRD Growth Ratios
| Growth Correlation 3m | -55.4% |
| Growth Correlation 12m | 42% |
| Growth Correlation 5y | 44.8% |
| CAGR 5y | 13.23% |
| CAGR/Max DD 5y | 0.15 |
| Sharpe Ratio 12m | -0.06 |
| Alpha | 18.27 |
| Beta | 0.581 |
| Volatility | 57.87% |
| Current Volume | 46.4k |
| Average Volume 20d | 84.9k |
| Stop Loss | 5.5 (-5.5%) |
| Signal | -1.29 |
Piotroski VR‑10 (Strict, 0-10) 5.5
| Net Income (1.34b TTM) > 0 and > 6% of Revenue (6% = 358.9m TTM) |
| FCFTA 0.06 (>2.0%) and ΔFCFTA -11.65pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 122.4% (prev 121.5%; Δ 0.88pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.25 (>3.0%) and CFO 3.32b > Net Income 1.34b (YES >=105%, WARN >=100%) |
| Net Debt (-4.01b) to EBITDA (438.2m) ratio: -9.14 <= 3.0 (WARN <= 3.5) |
| Current Ratio 4.93 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (43.5m) change vs 12m ago -1.29% (target <= -2.0% for YES) |
| Gross Margin 85.38% (prev 80.90%; Δ 4.48pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 49.32% (prev 48.12%; Δ 1.19pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| error: Interest Coverage Ratio cannot be calculated (needs EBITDA TTM and Interest Expense TTM) |
Altman Z'' 6.42
| (A) 0.55 = (Total Current Assets 9.18b - Total Current Liabilities 1.86b) / Total Assets 13.27b |
| (B) 0.35 = Retained Earnings (Balance) 4.68b / Total Assets 13.27b |
| (C) 0.04 = EBIT TTM 436.2m / Avg Total Assets 12.13b |
| (D) 1.34 = Book Value of Equity 4.72b / Total Liabilities 3.52b |
| Total Rating: 6.42 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 64.48
| 1. Piotroski 5.50pt = 0.50 |
| 2. FCF Yield data missing |
| 3. FCF Margin 14.17% = 3.54 |
| 4. Debt/Equity 0.00 = 2.50 |
| 5. Debt/Ebitda 0.09 = 2.49 |
| 6. ROIC - WACC -4.21% = -5.26 |
| 7. RoE 14.32% = 1.19 |
| 8. Rev. Trend 91.55% = 4.58 |
| 9. Rev. CAGR 27.26% = 2.50 |
| 10. EPS Trend -2.94% = -0.07 |
| 11. EPS CAGR 26.63% = 2.50 |
What is the price of YRD shares?
Over the past week, the price has changed by -5.52%, over one month by -2.51%, over three months by -11.95% and over the past year by +33.92%.
Is Yirendai a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of YRD is around 5.29 USD . This means that YRD is currently overvalued and has a potential downside of -9.11%.
Is YRD a buy, sell or hold?
What are the forecasts/targets for the YRD price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 2 | -65.1% |
| Analysts Target Price | 2 | -65.1% |
| ValueRay Target Price | 5.9 | 1% |
Last update: 2025-08-23 02:49
YRD Fundamental Data Overview
CCE Cash And Equivalents = 4.04b CNY (last quarter)
P/E Trailing = 2.8093
P/E Forward = 3.0731
P/S = 0.085
P/B = 0.3843
P/EG = 1.24
Beta = 0.785
Revenue TTM = 5.98b CNY
EBIT TTM = 436.2m CNY
EBITDA TTM = 438.2m CNY
Long Term Debt = unknown (0.0)
Short Term Debt = unknown (0.0)
Debt = 37.8m CNY (From: shortLongTermDebtTotal, last quarter)
Net Debt = -4.01b CNY (from netDebt column, last quarter)
Enterprise Value = -272.4m CNY (3.73b + Debt 37.8m - CCE 4.04b)
Interest Coverage Ratio = unknown (Ebit TTM 436.2m / Interest Expense TTM 0.0)
FCF Yield = -311.2% (FCF TTM 847.6m / Enterprise Value -272.4m)
FCF Margin = 14.17% (FCF TTM 847.6m / Revenue TTM 5.98b)
Net Margin = 22.46% (Net Income TTM 1.34b / Revenue TTM 5.98b)
Gross Margin = 85.38% ((Revenue TTM 5.98b - Cost of Revenue TTM 874.4m) / Revenue TTM)
Tobins Q-Ratio = -0.06 (set to none) (Enterprise Value -272.4m / Book Value Of Equity 4.72b)
Interest Expense / Debt = 9.10% (Interest Expense 3.44m / Debt 37.8m)
Taxrate = 14.99% (from yearly Income Tax Expense: 279.2m / 1.86b)
NOPAT = 370.8m (EBIT 436.2m * (1 - 14.99%))
Current Ratio = 4.93 (Total Current Assets 9.18b / Total Current Liabilities 1.86b)
Debt / Equity = 0.00 (Debt 37.8m / last Quarter total Stockholder Equity 9.75b)
Debt / EBITDA = 0.09 (Net Debt -4.01b / EBITDA 438.2m)
Debt / FCF = 0.04 (Debt 37.8m / FCF TTM 847.6m)
Total Stockholder Equity = 9.39b (last 4 quarters mean)
RoA = 10.12% (Net Income 1.34b, Total Assets 13.27b )
RoE = 14.32% (Net Income TTM 1.34b / Total Stockholder Equity 9.39b)
RoCE = 4.65% (Ebit 436.2m / (Equity 9.39b + L.T.Debt 0.0))
RoIC = 3.95% (NOPAT 370.8m / Invested Capital 9.39b)
WACC = 8.16% (E(3.73b)/V(3.77b) * Re(8.16%)) + (D(37.8m)/V(3.77b) * Rd(9.10%) * (1-Tc(0.15)))
Shares Correlation 5-Years: -30.0 | Cagr: -15.57%
Discount Rate = 8.16% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 76.52% ; FCFE base≈1.30b ; Y1≈1.19b ; Y5≈1.06b
Fair Price DCF = 216.9 (DCF Value 18.74b / Shares Outstanding 86.4m; 5y FCF grow -10.45% → 3.0% )
Revenue Correlation: 91.55 | Revenue CAGR: 27.26%
Rev Growth-of-Growth: -21.22
EPS Correlation: -2.94 | EPS CAGR: 26.63%
EPS Growth-of-Growth: -139.6
Additional Sources for YRD Stock
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Fund Manager Positions: Dataroma | Stockcircle