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Yiren Digital Ltd. (YRD)
Price$1.34
Value ScoreA
Growth ScoreD
Momentum ScoreF
Favorite Metrics
Price vs S&P 500 (26W)-87.12%
Price vs S&P 500 (4W)-37.98%
VGM Score39.35
Market Capitalization$17.57M
P/E Ratio (Annual)14.76x
Indicated Dividend Yield (Annual)9.64%
All Metrics
P/CF (Annual)1.14x
Book Value / Share (Quarterly)$7.92
P/TBV (Annual)0.33x
Indicated Dividend (Annual)$0.06
Revenue Growth (3Y)18.52%
Cash Flow / Share (Quarterly)$0.60
Price vs S&P 500 (YTD)-74.18%
Gross Margin (TTM)86.14%
Net Profit Margin (TTM)0.95%
EPS (TTM)$0.05
10-Day Avg Trading Volume0.22M
EPS Excl Extra (TTM)$0.05
Revenue Growth (5Y)7.62%
EPS (Annual)$0.05
Dividend / Share (Annual)$0.22
ROI (Annual)0.59%
Gross Margin (Annual)86.25%
Net Profit Margin (5Y Avg)25.71%
Cash / Share (Quarterly)$2.86
P/E Basic Excl Extra (TTM)14.76x
Revenue Growth QoQ (YoY)-34.74%
EPS Growth (5Y)7.94%
P/E Normalized (Annual)14.76x
ROA (Last FY)0.41%
Revenue Growth TTM (YoY)-1.82%
EBITD / Share (TTM)$-0.19
ROE (5Y Avg)16.83%
Operating Margin (TTM)-3.87%
Cash Flow / Share (Annual)$0.25
P/B Ratio0.09x
P/B Ratio (Quarterly)0.23x
Net Income / Employee (Annual)$8,490
EV / Revenue (TTM)-0.44x
Net Interest Coverage (TTM)214.57x
ROA (TTM)0.39%
EPS Growth QoQ (YoY)-10.19%
EV / EBITDA (TTM)-2.21x
EPS Incl Extra (Annual)$0.05
Current Ratio (Annual)5.23x
Quick Ratio (Quarterly)4.28x
3-Month Avg Trading Volume0.10M
52-Week Price Return-79.43%
EV / Free Cash Flow (Annual)-8.57x
P/E Incl Extra (TTM)14.76x
Revenue / Employee (TTM)$891,037
Tangible BV / Share (Quarterly)$1.63
P/S Ratio (Annual)0.14x
Asset Turnover (Annual)0.43x
52-Week High$7.68
Operating Margin (5Y Avg)29.82%
EPS Excl Extra (Annual)$0.05
CapEx CAGR (5Y)69.71%
Tangible BV CAGR (5Y)15.22%
26-Week Price Return-71.19%
Quick Ratio (Annual)4.30x
13-Week Price Return-65.39%
Total Debt / Equity (Annual)0.00x
Current Ratio (Quarterly)5.24x
Enterprise Value$-375.51M
Revenue / Share Growth (5Y)8.26%
Asset Turnover (TTM)0.40x
Book Value / Share Growth (5Y)21.58%
Revenue / Employee (Annual)$889,856
Pretax Margin (Annual)-0.74%
Cash / Share (Annual)$2.86
3-Month Return Std Dev108.71%
Gross Margin (5Y Avg)82.30%
Net Income / Employee (TTM)$8,490
EBITDA CAGR (5Y)3.01%
EBITDA Interim CAGR (5Y)10.22%
ROE (Last FY)0.59%
Net Interest Coverage (Annual)-9.21x
EPS Basic Excl Extra (Annual)$0.05
P/FCF (TTM)0.61x
Receivables Turnover (TTM)8.22x
EV / Free Cash Flow (TTM)-3.61x
Total Debt / Equity (Quarterly)0.00x
EPS Incl Extra (TTM)$0.05
Receivables Turnover (Annual)8.21x
ROI (TTM)0.55%
P/S Ratio (TTM)0.14x
Pretax Margin (5Y Avg)31.15%
Revenue / Share (Annual)$4.83
Tangible BV / Share (Annual)$1.32
Free OCF CAGR (5Y)3.23%
Price vs S&P 500 (52W)-107.63%
P/E Ratio (TTM)14.76x
EPS Growth TTM (YoY)-96.55%
Year-to-Date Return-63.24%
5-Day Price Return-15.00%
EPS Normalized (Annual)$0.05
ROA (5Y Avg)12.04%
Net Profit Margin (Annual)0.95%
Month-to-Date Return-29.53%
Cash Flow / Share (TTM)$0.40
EBITD / Share (Annual)$-0.16
EPS Growth (3Y)-64.24%
Operating Margin (Annual)-3.88%
LT Debt / Equity (Annual)0.00x
P/CF (TTM)1.14x
ROI (5Y Avg)15.63%
P/E Excl Extra (TTM)14.76x
LT Debt / Equity (Quarterly)0.00x
EPS Basic Excl Extra (TTM)$0.05
P/TBV (Quarterly)0.28x
Payout Ratio (Annual)500.89%
P/B Ratio (Annual)0.23x
Pretax Margin (TTM)-0.74%
Book Value / Share (Annual)$7.92
Price vs S&P 500 (13W)-75.14%
Net Margin Growth (5Y)15.65%
Beta1.07x
P/FCF (Annual)2.71x
Revenue / Share (TTM)$4.85
ROE (TTM)0.55%
52-Week Low$1.31
vGradeA
gGradeD
mGradeF
vgmGradeD
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Analyst Recommendations
Nov 2022
Dec 2022
Jan 2023
Feb 2023
2.13
2.13
2.13
2.13
Industry Peers — Finance Services(152)
| Symbol | Value Score | Growth Score | Momentum Score | Price |
|---|---|---|---|---|
YRDYiren Digital Ltd. | A | D | F | $1.34 |
| AXPAmerican Express Company | D | B | C | $313.54 |
| NUNu Holdings Ltd. | D | B | C | $12.99 |
| COINCoinbase Global, Inc. Class A Common Stock | D | C | C | $182.61 |
| MSTRStrategy Inc Common Stock Class A | D | D | C | $149.78 |
| CRCLCircle Internet Group, Inc. | F | C | B | $104.97 |
| SYFSYNCHRONY FINANCIAL | B | C | C | $70.82 |
| SOFISoFi Technologies, Inc. Common Stock | D | B | B | $18.58 |
| IRENIREN Limited Ordinary Shares | F | B | A | $65.33 |
| HUTHut 8 Corp. Common Stock | F | A | A | $132.38 |
| WULFTeraWulf Inc. Common Stock | F | B | A | $25.66 |
About
Yiren Digital Ltd is a China-based, AI-powered platform providing digital financial services, insurance products, and lifestyle offerings to individuals and businesses. The company addresses financing needs for consumption and production activities while leveraging technology to enhance customers' financial well-being across various growth stages.