Yiren Digital Ltd. (YRD)
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No price history available.
Key financial summary
Financials in CNY| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total revenue | CNY bn | 4 | 4 | 3 | 5 | 6 | 6 | 5 | 5 |
| Operating profit | CNY bn | 2 | 1 | ||||||
| Net profit | CNY bn | -1 | 1 | 1 | 2 | 2 | 0 | -1 | 2 |
| EPS reported | CNY | 0.45 | -23.52 | ||||||
| Operating cashflow per share | CNY | 8.11 | -4.92 | ||||||
| Capex per share | CNY | 0.30 | 0.29 | ||||||
| FCF per share | CNY | 7.81 | -5.22 | ||||||
| Free cash flow | CNY bn | 1 | -0 | ||||||
| Net debt | CNY bn | -3 | -2 | ||||||
| Book value equity | CNY bn | 9 | 9 | ||||||
| Book value per share | CNY | 106.2 | 100.2 | ||||||
| Number of shares | m | 87.34 | 87.48 | ||||||
| DPS (TTM paid) | CNY | 1.57 | 1.57 |
Financial summary
Financials in CNY| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 28.76 | - | ||||||
| P/B LTM | x | 0.24 | 0.26 | ||||||
| P/S LTM | x | 0.40 | 0.44 | ||||||
| P/FCF LTM | x | 3.31 | -4.92 | ||||||
| EV/EBITDA LTM | x | 23.78 | -5.86 | ||||||
| EV/Sales LTM | x | -0.19 | -0.33 | ||||||
| Earnings Yield LTM | % | +3.48% | -94.85% | ||||||
| FCF Yield | % | +30.19% | -20.32% | ||||||
| Quality | |||||||||
| ROE | % | +0.43% | -7.18% | ||||||
| ROIC | % | -12.73% | +4.77% | ||||||
| Operating margin | % | +38.50% | +12.03% | ||||||
| Gross margin | % | +85.82% | +85.00% | ||||||
| FCF/Sales | % | +12.17% | -8.94% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | - | - | ||||||
| Sales Growth YoY | % | -4.03% | -12.33% | ||||||
| Net Income Growth YoY | % | - | - | ||||||
| FCF Growth | % | -52.09% | - | ||||||
| Operating Profit Growth | % | +30.25% | -25.10% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +12.16% | +35.77% | ||||||
| Dividend Growth | % | -47.85% | -47.85% | ||||||
| Payout Ratio | % | +347.46% | -13.29% | ||||||
| FCF/Debt | x | 13.88 | -12.93 | ||||||
| Net Debt/EBITDA | x | 74.46 | 5.45 | ||||||
| EBIT/Net interest | x | 0.00 | 0.00 | ||||||
| Net debt/market cap | % | +0.40% | 0.00% | ||||||
| Net debt/Equity | x | -0.36 | -0.28 | ||||||
| Gross debt/equity | x | 0.01 | 0.00 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Yiren Digital Ltd., a subsidiary of Creditease Holdings (Cayman) Limited, operates as a leading online consumer finance marketplace connecting borrowers and investors across the People's Republic of China. Founded in Beijing in 2012 and previously known as Yirendai Ltd. until its name change in September 2019, the company's primary function involves facilitating loans. This includes not only the initial matching service but also comprehensive post-origination support, such as cash processing, debt collection, and communication management. Its diverse portfolio of loan products encompasses unsecured consumer credit, various secured consumer loans (including those collateralized by financial leases, automobiles, and real estate), and financing solutions tailored for small businesses. Beyond its lending activities, Yiren Digital also makes available a selection of financial investment products, such as short-term cash management tools, mutual funds, insurance policies, and securities. To further support its clientele, the company provides extensive online investor education services, covering a broad spectrum of investment and trading topics. It also offers specialized training programs focusing on wealth planning, market analysis, and strategic investment approaches. Additionally, Yiren Digital furnishes IT consultancy and support, referral services, system maintenance, and dedicated customer assistance. The firm also extends its operations into financial lease services and insurance brokerage. Customers can access Yiren Digital's offerings through its dedicated website, www.yxpuhui.com, alongside a specialized wealth management portal and a proprietary mobile application. As of December 31, 2020, the company showcased an impressive range of products, featuring 60 fixed income options, 810 mutual fund offerings, and 296 distinct insurance products.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Yiren Digital Ltd., a subsidiary of Creditease Holdings (Cayman) Limited, operates as a leading online consumer finance marketplace connecting borrowers and investors across the People's Republic of China. Founded in Beijing in 2012 and previously known as Yirendai Ltd. until its name change in September 2019, the company's primary function involves facilitating loans. This includes not only the initial matching service but also comprehensive post-origination support, such as cash processing, debt collection, and communication management. Its diverse portfolio of loan products encompasses unsecured consumer credit, various secured consumer loans (including those collateralized by financial leases, automobiles, and real estate), and financing solutions tailored for small businesses. Beyond its lending activities, Yiren Digital also makes available a selection of financial investment products, such as short-term cash management tools, mutual funds, insurance policies, and securities. To further support its clientele, the company provides extensive online investor education services, covering a broad spectrum of investment and trading topics. It also offers specialized training programs focusing on wealth planning, market analysis, and strategic investment approaches. Additionally, Yiren Digital furnishes IT consultancy and support, referral services, system maintenance, and dedicated customer assistance. The firm also extends its operations into financial lease services and insurance brokerage. Customers can access Yiren Digital's offerings through its dedicated website, www.yxpuhui.com, alongside a specialized wealth management portal and a proprietary mobile application. As of December 31, 2020, the company showcased an impressive range of products, featuring 60 fixed income options, 810 mutual fund offerings, and 296 distinct insurance products.
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