A Business at a Glance
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Yiren Digital Ltd.
YRD
$174M
Mkt Cap
$0.99
+0.60%
Business description not available.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 5.7B | 5.7B | 5.8B | 4.9B | - | - |
| Net Income | 7.8M | 7.8M | 217M | 293M | 173M | 162M |
| EPS | $0.04 | $0.04 | $1.24 | $1.64 | $0.99 | $0.95 |
| Free Cash Flow | 97M | 97M | 194M | 305M | 268M | 23M |
| ROIC | -78.4% | 0.6% | 17.7% | 29.1% | 148.0% | 83.5% |
| Gross Margin | - | - | 33.7% | 9.0% | - | - |
| Debt/Equity | 0.01 | 0.01 | 0.36 | 0.27 | 0.42 | 0.61 |
| Dividends/Share | $0.22 | $0.22 | $0.10 | - | - | - |
| Operating Income | -850M | -850M | -4.2B | -2.3B | 1.6B | 220M |
| Operating Margin | -14.9% | -14.9% | -71.6% | -47.0% | - | - |
| ROE | 0.6% | 0.6% | 17.7% | 29.1% | 21.2% | 24.3% |
| Shares Outstanding | 175M | 175M | 175M | 179M | 175M | 171M |
| Metric | 2013 | 2014 | 2015 | 2016 | 2017 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | N/A | 197M | 1.3B | 3.2B | 5.5B | N/A | 62M | N/A | N/A | 4.9B | 5.8B | 5.7B | 5.7B |
| Gross Margin | N/A | N/A | 32.9% | 6.7% | 6.4% | N/A | N/A | N/A | N/A | 9.0% | 33.7% | N/A | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 208M | 152M | 21M | 56M | 58M | 58M |
| SG&A | 5.0M | 10M | 22M | 58M | 81M | 105M | 96M | 79M | 61M | 33M | 38M | 46M | 46M |
| EBIT | -10M | -4.5M | 64M | 159M | 269M | 274M | -57M | 220M | 1.6B | -2.3B | -4.2B | -850M | -850M |
| Op. Margin | N/A | -2.3% | 4.9% | 4.9% | 4.9% | N/A | -92.3% | N/A | N/A | -47.0% | -71.6% | -14.9% | -14.9% |
| Net Income | -8.3M | -4.5M | 44M | 161M | 211M | 166M | -106M | 162M | 173M | 293M | 217M | 7.8M | 7.8M |
| Net Margin | N/A | -2.3% | 3.3% | 5.0% | 3.8% | N/A | -172.3% | N/A | N/A | 6.0% | 3.7% | 0.1% | 0.1% |
| Non-Recurring | 0 | 0 | 0 | 5K | 8K | -613K | -1.1M | -410K | -740K | 19K | 1K | 1K | 1K |
| Returns on Capital | |||||||||||||
| ROIC | N/M | -23.0% | 29.1% | 52.2% | 55.1% | 68.8% | -17.1% | 83.5% | 148.0% | 29.1% | 17.7% | 0.6% | -78.4% |
| ROE | -3642.8% | -23.0% | 46.9% | 70.1% | 55.1% | 23.9% | -17.3% | 24.3% | 21.2% | 29.1% | 17.7% | 0.6% | 0.6% |
| ROA | -633.4% | -13.6% | 21.8% | 31.3% | 22.9% | 13.4% | -8.8% | 14.5% | 14.1% | 21.8% | 13.4% | 0.4% | 0.4% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | -11M | -37M | 861M | 2.1B | 418M | 39M | 43M | 25M | 268M | 306M | 195M | 101M | 101M |
| Free Cash Flow | -11M | -37M | 859M | 2.1B | 407M | 32M | 41M | 23M | 268M | 305M | 194M | 97M | 97M |
| Owner Earnings | -11M | -37M | 861M | 2.1B | 401M | 15M | 27M | 15M | 261M | 304M | 192M | 94M | 94M |
| CapEx | 123K | 580K | 2.6M | 4.3M | 11M | 6.9M | 2.1M | 1.5M | 128K | 626K | 1.3M | 3.7M | 3.7M |
| Maint. CapEx | 72K | 185K | 579K | 1.5M | 3.6M | 18M | 14M | 6.8M | 3.8M | 1.0M | 1.2M | 1.9M | 1.9M |
| Growth CapEx | 51K | 395K | 2.0M | 2.8M | 7.2M | 0 | 0 | 0 | 0 | 0 | 40K | 1.8M | 1.8M |
| D&A | 72K | 185K | 579K | 1.5M | 3.6M | 18M | 14M | 6.8M | 3.8M | 1.0M | 1.2M | 1.9M | 1.9M |
| CapEx/OCF | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 3.7% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 0 | 0 | 0 | 0 | 93M | 0 | 0 | 0 | 0 | 0 | 17M | 39M | 39M |
| Dividend Yield | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 22.5% |
| Share Buybacks | 0 | 0 | 0 | 0 | 0 | 5.3M | 467K | 432K | 556K | 6.8M | 10M | 32K | 32K |
| Buyback Yield | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Stock-Based Comp | N/A | N/A | N/A | 2.5M | 13M | 6.3M | 2.2M | 3.0M | 3.2M | 951K | 2.3M | 4.3M | 4.3M |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 | 174M | 0 | 0 | 0 | 768M | 0 | 0 | 0 |
| Balance Sheet | |||||||||||||
| Net Debt | N/A | N/A | N/A | N/A | N/A | -507M | N/A | N/A | N/A | N/A | N/A | -470M | -470M |
| Cash & Equiv. | 11M | 222K | 131M | 139M | 285M | 459M | 379M | 450M | 619M | 816M | 526M | 479M | 479M |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | 19M | N/A | N/A | N/A | N/A | N/A | N/A | 9.1M |
| Debt/Equity | 4.75 | 0.80 | 1.24 | 1.24 | 1.53 | 0.03 | 0.77 | 0.61 | 0.42 | 0.27 | 0.36 | 0.01 | 0.01 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | 3.7 | -0.9 | 7.0 | 58.1 | -175.4 | N/A | -31464.8 | -31464.8 |
| Equity | 229K | 36M | 151M | 308M | 456M | 645M | 579M | 757M | 874M | 1.1B | 1.3B | 1.3B | 1.3B |
| Total Assets | 1.3M | 65M | 338M | 689M | 1.2B | 1.4B | 1.0B | 1.2B | 1.2B | 1.4B | 1.8B | 1.9B | 1.9B |
| Total Liabilities | 1.1M | 29M | 187M | 381M | 699M | 740M | 448M | 458M | 363M | 309M | 471M | 598M | 598M |
| Intangibles | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Retained Earnings | N/A | -15M | 29M | 170M | 282M | -77M | -193M | -39M | 132M | 420M | 608M | 601M | 601M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | 29M | 45M | 35M | 57M | 773M | 668M | 539M | 403M | 154M | 206M | 61M | 61M |
| Per Share Data | |||||||||||||
| EPS | -0.08 | -0.04 | 0.37 | 1.35 | 1.72 | 0.89 | -0.59 | 0.95 | 0.99 | 1.64 | 1.24 | 0.04 | 0.04 |
| Owner EPS | -0.11 | -0.37 | 7.36 | 17.74 | 3.28 | 0.08 | 0.15 | 0.09 | 1.49 | 1.70 | 1.10 | 0.54 | 0.54 |
| Book Value | 0.00 | 0.36 | 1.29 | 2.59 | 3.73 | 3.46 | 3.21 | 4.44 | 4.99 | 6.37 | 7.48 | 7.58 | 7.58 |
| Cash Flow/Share | -0.11 | -0.37 | 7.36 | 17.77 | 3.42 | 0.21 | 0.24 | 0.15 | 1.53 | 1.71 | 1.12 | 0.58 | 0.06 |
| Dividends/Share | N/A | N/A | N/A | N/A | 0.76 | N/A | N/A | N/A | N/A | N/A | 0.10 | 0.22 | 0.22 |
| Shares Out. | 100.0M | 100.0M | 117.0M | 118.9M | 122.3M | 186.5M | 180.3M | 170.6M | 175.4M | 178.7M | 174.7M | 174.8M | 174.8M |
| Valuation | |||||||||||||
| P/E Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 22.3 |
| P/FCF | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 1.8 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Price/Book | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.1 |
| Price/Sales | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0 |
| FCF Yield | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 55.8% |
| Market Cap | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 174M |
| Avg. Price | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.99 |
| Year-End Price | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.99 |
Yiren Digital Ltd. passes 3 of 9 quality checks, indicating weak fundamentals.
The company's 5-year average ROIC is 55.8% with a gross margin of 21.4%. Total shareholder yield (dividends) is 22.5%.
Yiren Digital Ltd. (YRD) has a current P/E ratio of 22.3.
Yiren Digital Ltd. (YRD) has a 5-year average return on invested capital (ROIC) of 55.8%. This indicates strong capital allocation and a potential competitive advantage.
Yiren Digital Ltd. (YRD) has a market capitalization of $174M. It is classified as a small-cap stock.
Yes, Yiren Digital Ltd. (YRD) pays a dividend with a trailing twelve-month yield of 22.48%. The company also returns capital through share buybacks, with a buyback yield of 0.02%.
Yiren Digital Ltd. (YRD) reported annual revenue of $5.7 billion in its most recent fiscal year, based on SEC EDGAR filings.
Yiren Digital Ltd. (YRD) has a net profit margin of 0.1%. This is a modest margin.
Yiren Digital Ltd. (YRD) generated $97 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
Yiren Digital Ltd. (YRD) has a debt-to-equity ratio of 0.01. This indicates a conservatively financed balance sheet.
Yiren Digital Ltd. (YRD) reported earnings per share (EPS) of $0.04 in its most recent fiscal year.
Yiren Digital Ltd. (YRD) has a return on equity (ROE) of 0.6%. This indicates moderate shareholder returns.
Yiren Digital Ltd. (YRD) has a 5-year average gross margin of 21.4%. This lower margin is typical of capital-intensive or commodity businesses.
The Ledger Terminal provides 12 years of financial data for Yiren Digital Ltd. (YRD), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Yiren Digital Ltd. (YRD) has a book value per share of $7.58, based on its most recent annual SEC filing.