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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 Framework: Banks & Lenders Micro Cap
Yiren Digital Ltd. (YRD), is a Micro Cap company, in the Credit Services industry, last closed at $1.18, about 10261.0% undervalued vs fair value, -81.4% 1Y return, ranked 578/1037 in sector.
USD 1.18
-1.67%
(Delayed)
• Vol 90d: 114.5%
Market Cap
$103.10M
Enterprise Value
$-3.71B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Fair
Health
Fair
Efficiency
Fair
Valuation
Weak
Growth
Fair
Profitability
Fair
Health
Fair
Efficiency
Fair
Valuation
Weak
Completeness: 82%
Confidence: 89%
Updated: Mar 8
Top Beats

Quick Facts

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

Next Events

Earnings Jun 18 Estimated

Fair Value Snapshot

Bear Base Bull
$68
$122
$229
Current: $1.18 +10261% vs base

Engine Room Money Flow™

Micro 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 Bank Specialized

Competitive Advantage Assessment

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

Overall Moat Strength
67
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
60
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 95% Coverage
Trade-Off Triangle Visualization A ternary plot showing YRD's balance between Growth (39.2%), Profitability (40.9%), and Safety (19.9%). Growth 39% Safety 20% Profitability 41%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

64th percentile vs peers
65
Key Signals
NII Growth YoY 30.6% 94p Asset Growth YoY 26.3% 91p Equity Growth YoY 18.0% 86p EPS Growth YoY -22.2% 19p Loan Growth YoY -37.8% 10p
Strengths
  • NII Growth YoY in top 20% of peers (30.6%, 94th percentile)
  • Asset Growth YoY in top 20% of peers (26.3%, 91th percentile)
  • Equity Growth YoY in top 20% of peers (18.0%, 86th percentile)
  • Efficiency Ratio in top 20% of peers (56.4%, 80th percentile)
  • ROTE in top 20% of peers (18.0%, 84th percentile)
Risks
  • EPS Growth YoY in bottom 20% of peers (-22.2%)
  • Loan Growth YoY in bottom 20% of peers (-37.8%)

Profitability

67th percentile vs peers
68
Key Signals
Strengths
Risks
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Safety

32th percentile vs peers
33
Key Signals
Strengths
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Two Futures

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

Loading valuation model...
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:

  • Recently listed companies (IPOs, SPACs)
  • 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
- - -
+10261.0% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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