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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 $0.41, about 2837.0% undervalued vs fair value, -92.1% 1Y return, ranked 525/1078 in sector.
Metrics P/E 41.5× Rev Growth -1.5% ROE 0.6% Gross Margin 86.3% Div Yield 12.12%
USD 0.41
-0.48%
(Delayed)
• Vol 90d: 167.5%
Market Cap
$36.10M
Enterprise Value
$-216.18M
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Weak
Health
Fair
Efficiency
Fair
Valuation
Fair
Growth
Weak
Profitability
Weak
Health
Fair
Efficiency
Fair
Valuation
Fair
Completeness: 94%
Confidence: 96%
Updated: Oct 31
Top Beats
No strong beats yet

Quick Facts

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

Next Events

Earnings Dec 18 Estimated

Fair Value Snapshot

Bear Base Bull
$7
$12
$23
Current: $0.41 +2837% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
CNY 78.7M
-0.5%%
Interest Expense
CNY 61.6M
Net Interest Income
CNY 78.7M
-0.5%%
Total Revenue
CNY 5.7B
-1.5%%
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
0.6%
Poor

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

CNY 273.4M
501.3% 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 Lender Specialized

Competitive Advantage Assessment

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

Overall Moat Strength
35
/100
Developing
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Strong Equity Cushion Equity cushion is strong (score 0.95).

Key risks

  • Returns Squeezed by Funding Costs Returns are weak for a debt-funded lender (profitability score 0.22).
  • Weak Net Interest Margin Net interest margin proxy is weak (score 0.18).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Funding & Return Stability

Developing
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Signals, strengths and risks for Funding & Return Stability

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 100% Coverage
Trade-Off Triangle Visualization A ternary plot showing YRD's balance between Growth (16.5%), Profitability (7.8%), and Safety (75.7%). Growth 16% Safety 76% Profitability 8%

Click axes to expand details. Marker shows current allocation.

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Growth

20th percentile vs peers
20
Key Signals
Asset Growth YoY 3.6% 44p NII Growth YoY -0.5% 15p Loan Growth YoY -17.8% 15p Equity Growth YoY -2.8% 9p EPS Growth YoY -96.5% 6p
Strengths
  • Equity/Assets in top 20% of peers (68.9%, 99th percentile)
  • Financial Leverage in top 20% of peers (1.41, 98th percentile)
  • D/E Ratio in top 20% of peers (0.5%, 97th percentile)
  • Debt/Assets in top 20% of peers (0.4%, 96th percentile)
Risks
  • Growth in bottom 20% of peers (percentile: 20)
  • NII Growth YoY in bottom 20% of peers (-0.5%)
  • Loan Growth YoY in bottom 20% of peers (-17.8%)
  • Equity Growth YoY in bottom 20% of peers (-2.8%)

Profitability

9th percentile vs peers
10
Key Signals
Strengths
Risks
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Safety

93th percentile vs peers
94
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
$12.13
- - -
+2837.0% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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