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Financial Services - Financial - Credit Services - NYSE - CN
$ 5.71
-6.7 %
$ 249 M
Market Cap
2.29
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one YRD stock under the worst case scenario is HIDDEN Compared to the current market price of 5.71 USD, Yiren Digital Ltd. is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one YRD stock under the base case scenario is HIDDEN Compared to the current market price of 5.71 USD, Yiren Digital Ltd. is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one YRD stock under the best case scenario is HIDDEN Compared to the current market price of 5.71 USD, Yiren Digital Ltd. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart YRD

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$9.0$9.0$8.5$8.5$8.0$8.0$7.5$7.5$7.0$7.0$6.5$6.5$6.0$6.0$5.5$5.5$5.0$5.0$4.5$4.515 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
4.9 B REVENUE
42.54%
2.59 B OPERATING INCOME
75.96%
2.08 B NET INCOME
74.09%
2.17 B OPERATING CASH FLOW
17.39%
100 M INVESTING CASH FLOW
90.35%
-569 M FINANCING CASH FLOW
-16.39%
1.48 B REVENUE
-1.17%
0 OPERATING INCOME
0.00%
355 M NET INCOME
-13.21%
0 OPERATING CASH FLOW
0.00%
0 INVESTING CASH FLOW
100.00%
0 FINANCING CASH FLOW
100.00%
Balance Sheet Yiren Digital Ltd.
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Current Assets 9.65 B
Cash & Short-Term Investments 6.2 B
Receivables 2.01 B
Other Current Assets 1.45 B
Non-Current Assets 624 M
Long-Term Investments 449 M
PP&E 103 M
Other Non-Current Assets 73.4 M
60.28 %19.52 %14.12 %4.36 %Total Assets$10.3b
Current Liabilities 1.44 B
Accounts Payable 30.9 M
Short-Term Debt 0
Other Current Liabilities 1.41 B
Non-Current Liabilities 747 M
Long-Term Debt 23.6 M
Other Non-Current Liabilities 724 M
64.48 %33.03 %Total Liabilities$2.2b
EFFICIENCY
Earnings Waterfall Yiren Digital Ltd.
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Revenue 4.9 B
Cost Of Revenue 976 M
Gross Profit 3.92 B
Operating Expenses 1.32 B
Operating Income 2.59 B
Other Expenses 515 M
Net Income 2.08 B
5b5b5b5b4b4b4b4b3b3b3b3b2b2b2b2b1b1b500m500m005b(976m)4b(1b)3b(515m)2bRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
80.06% GROSS MARGIN
80.06%
53.00% OPERATING MARGIN
53.00%
42.49% NET MARGIN
42.49%
25.73% ROE
25.73%
20.24% ROA
20.24%
23.10% ROIC
23.10%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Yiren Digital Ltd.
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3b3b2b2b1b1b00(1b)(1b)(2b)(2b)(3b)(3b)(4b)(4b)(5b)(5b)20152015201620162017201720182018201920192020202020212021202220222023202320242024
Net Income 2.08 B
Depreciation & Amortization 25.4 M
Capital Expenditures -4.44 M
Stock-Based Compensation 6.75 M
Change in Working Capital -352 M
Others 913 M
Free Cash Flow 2.17 B
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Yiren Digital Ltd.
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YRD has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.00% DIVIDEND YIELD
0.22 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.801.801.601.601.401.401.201.201.001.000.800.800.600.600.400.400.200.200.000.000.280.221.481.760.170.390.000.0020172017201820182024202420252025
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5. COMPETITION
slide 2 of 11
6. Ownership
Insider Ownership Yiren Digital Ltd.
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Sold
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3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
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0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Yiren Digital Partners with klikUMKM to Deliver AI-Driven Financial Solutions Across Indonesia BEIJING , March 27, 2025 /PRNewswire/ -- Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital"), an AI-powered platform providing a comprehensive suite of financial and lifestyle services in China, today announced the formation of a strategic joint venture (the "JV") with PT. prnewswire.com - 3 weeks ago
Yiren Digital Ltd. (YRD) Q4 2024 Earnings Call Transcript Yiren Digital Ltd. (NYSE:YRD ) Q4 2024 Earnings Conference Call March 20, 2025 8:00 AM ET Company Participants Ning Tang - Founder, Chairman, Chief Executive Officer Yuning Feng - Chief Financial Officer Keyao He - Investor Relations Conference Call Participants Operator Good day, and welcome to the Yiren Digital Fourth Quarter and Fiscal Year 2024 Earnings Conference Call. seekingalpha.com - 1 month ago
Yiren Digital Reports Fourth Quarter and Fiscal Year 2024 Financial Results BEIJING , March 20, 2025 /PRNewswire/ -- Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital" or the "Company"), an AI-powered platform providing a comprehensive suite of financial and lifestyle services in China, today announced its unaudited financial results for the quarter ended December 31, 2024. prnewswire.com - 1 month ago
Yiren Digital to Report Fourth Quarter and Full Year 2024 Financial Results on March 20, 2025 BEIJING , March 13, 2025 /PRNewswire/ -- Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital"), an AI-powered platform providing a comprehensive suite of financial and lifestyle services in China, announced that it plans to release its unaudited financial results for the fourth quarter and full year ended December 31, 2024 before U.S. market opens on Thursday, March 20, 2025. prnewswire.com - 1 month ago
Yiren Digital Integrates DeepSeek to Boost Innovation and Operational Excellence BEIJING , Feb. 18, 2025 /PRNewswire/ -- Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital" or the "Company"), an AI-powered platform providing a comprehensive suite of financial and lifestyle services in China, has officially integrated with DeepSeek, marking a significant milestone in its technological transformation and reaffirming its commitment to pioneering AI-driven innovation. prnewswire.com - 1 month ago
Yiren Digital Recognized for Outstanding ESG Performance, ranked in Top 17% in S&P Global CSA BEIJING , Jan. 24, 2025 /PRNewswire/ -- Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital" or the "Company"), an AI-powered platform providing a comprehensive suite of financial and lifestyle services in China, was recognized for its outstanding Environmental, Social, and Governance (ESG) performance in the 2024 S&P Global Corporate Sustainability Assessment (CSA). prnewswire.com - 2 months ago
Yiren Digital Earns Its Place in China's Artificial Intelligence Industry Alliance BEIJING , Jan. 16, 2025 /PRNewswire/ -- Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital" or the "Company"), an AI-powered platform providing a comprehensive suite of financial and lifestyle services in China, has earned its place in the China's Artificial Intelligence Industry Alliance (AIIA). prnewswire.com - 3 months ago
Yiren Digital: Links With Baidu, Stimulus In China, Loan Demand, And Quite Cheap Yiren Digital Ltd. is experiencing double-digit revenue growth and is well-positioned to benefit from the new Chinese stimulus. The company's historical performance and recent share repurchase program suggest the potential for substantial stock price appreciation. Financial models indicate YRD is significantly undervalued, with a price target of $20-$21 per share, driven by robust net income projections. seekingalpha.com - 3 months ago
Yiren Digital: The Pros Outweigh The Cons The stock has traded flat for months and YRD is available at very low multiples, which may raise the question as to why this is so. The relatively low valuation assigned to YRD becomes easier to understand once one looks into the business of YRD and the country it primarily operates in. YRD is weighed down by concerns about China and its economy, but it also means there may be an opportunity if concerns do not turn into reality. seekingalpha.com - 3 months ago
Yiren Digital Ltd. (YRD) Q3 2024 Earnings Call Transcript Yiren Digital Ltd. (NYSE:YRD ) Q3 2024 Earnings Conference Call November 20, 2024 7:00 AM ET Company Participants Keyao He - Investor Relations Officer Ning Tang - Chief Executive Officer Yuning Feng - Chief Financial Officer Conference Call Participants Kris Wu - Look Capital Operator Good day and welcome to the Yiren Digital Third Quarter 2024 Earnings Conference Call. seekingalpha.com - 4 months ago
Yiren Digital Reports Third Quarter 2024 Financial Results BEIJING , Nov. 20, 2024 /PRNewswire/ -- Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital" or the "Company"), an AI-powered platform providing a comprehensive suite of financial and lifestyle services in China, today announced its unaudited financial results for the quarter ended September 30, 2024. prnewswire.com - 4 months ago
Yiren Digital Reports Third Quarter 2024 Financial Results BEIJING , Nov. 20, 2024 /PRNewswire/ -- Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital" or the "Company"), an AI-powered platform providing a comprehensive suite of financial and lifestyle services in China, today announced its unaudited financial results for the quarter ended September 30, 2024. prnewswire.com - 4 months ago
8. Profile Summary

Yiren Digital Ltd. YRD

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COUNTRY CN
INDUSTRY Financial - Credit Services
MARKET CAP $ 249 M
Dividend Yield 0.00%
Description Yiren Digital Ltd., through its subsidiaries, operates as an online consumer finance marketplace that connects borrowers and investors in the People's Republic of China. It provides loan facilitation services; and post-origination services, such as cash processing, collection, and SMS services. The company's loan products portfolio includes unsecured consumer loans; secured consumer loan, which include secured financial leasing, auto-secured, and property-secured loans; and small business loans. It also distributes short-term cash management, mutual fund investment, insurance, and securities and stock products. In addition, the company provides online investor education services, which include a range of investment and trading topics, and various types of training programs on wealth planning, market insights, and investment strategies; consultancy information technology support; referral; and IT, system maintenance, and customer support services. Further, it is involved in the provision of services for financing lease and insurance brokerage businesses. The company offers its products through www.yxpuhui.com, and a wealth management website and mobile application. As of December 31, 2020, it had 60 fixed income products, 810 mutual fund products, and 296 insurance products. The company was formerly known as Yirendai Ltd. and changed its name to Yiren Digital Ltd. in September 2019. Yiren Digital Ltd. was founded in 2012 and is based in Beijing, the People's Republic of China. Yiren Digital Ltd. is a subsidiary of Creditease Holdings (Cayman) Limited.
Contact Building 9, Beijing, 100022 https://www.yirendai.com
IPO Date Dec. 18, 2015
Employees 754
Officers Ms. Mei Zhao Chief Executive Officer of Yiren Credit Ms. Lydia Yu Investor Relations Officer Ms. Keyao He Director of Investor Relations Mr. Yuning Feng Chief Financial Officer Mr. Ning Tang Executive Chairman & Chief Executive Officer Ms. Bin Yang Chief Human Resources Officer