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Company Analysis

Yiren Digital Ltd. YRD

A comprehensive view of key metrics, scores, and financial health for Yiren Digital Ltd.

Overview of Yiren Digital Ltd.

YRD NYQ
Financial Services Credit Services Small Cap
Yiren Digital Ltd. (YRD), is a Small Cap company, in the Credit Services industry, last closed at $3.53, about 3363.5% undervalued vs fair value, -55.3% 1Y return, ranked 575/1004 in sector.
$3.53
-0.56%
As of March 13, 2026
Previous close • Vol 90d: 40.3%
Market Cap
$332.70M
Enterprise Value
$-3.48B
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.yiren.com
HQ Beijing
Employees 949
Fiscal year Dec 31

Next Events

Earnings Mar 19 Estimated

Fair Value Snapshot

Bear Base Bull
$68
$122
$229
Current: $3.53 +3364% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$212.6M
595.2%%
Interest Expense
$61.6M
Net Interest Income
$105.5M
30.6%%
Total Revenue
$5.8B
18.6%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
16.6%
Excellent

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$197.9M
12.5% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
0
Active Leaks
0/0
Improving
0
High Impact
0
Critical
Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating Yiren Digital Ltd.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
66
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Moderate
59
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 100% Coverage
Trade-Off Triangle Visualization A ternary plot showing YRD's balance between Growth (29.5%), Profitability (38.2%), and Safety (32.3%). Growth 30% Safety 32% Profitability 38%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

53th percentile vs peers
53
Key Signals
Rev Growth YoY 18.6% 62p Revenue CAGR 3Y 9.0% 56p EPS CAGR 3Y 14.4% 65p TSR 33.9% 72p EPS Growth YoY -22.2% 16p
Strengths
  • Interest Coverage Ratio in top 20% of peers (23.89, 89th percentile)
  • Superior capital returns - 3 return metrics above peer median
  • Net Profit Margin in top 20% of peers (27.3%, 80th percentile)
  • Cash Flow To Debt Ratio in top 20% of peers (5.10, 93th percentile)
Risks
  • Eps Growth Yoy in bottom 20% of peers (-22.2%)

Profitability

68th percentile vs peers
69
Key Signals
Strengths
Risks
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Safety

58th percentile vs peers
58
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for Yiren Digital Ltd..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$122.26
- - -
+3363.5% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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