Yiren Digital Ltd. (ADR)
General ticker "YRD" information:
- Sector: Financials
- Industry: Financial - Credit Services
- Capitalization: $392.6M (TTM average)
Yiren Digital Ltd. (ADR) does not follow the US Stock Market performance with the rate: -27.4%.
Estimated limits based on current volatility of 3.1%: low 1.19$, high 1.26$
Factors to consider:
- Company pays dividends (semi-annually): last record date 2025-09-30, amount 0.22$ (Y35.20%)
- Total employees count: 608 as of 2015
- Current price 53.0% below estimated low
- Earnings for 6 months up through Q2 are below our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [2.66$, 5.23$]
- 2026-12-31 to 2027-12-31 estimated range: [3.13$, 5.77$]
Financial Metrics affecting the YRD estimates:
- Positive: with PPE of 135.4 at the end of fiscal year the price was low
- Positive: Operating cash flow per share per price, % of 56.86 > 12.93
- Positive: Operating profit margin, % of 38.50 > 18.40
- Positive: Industry operating cash flow per share per price (median), % of 19.17 > 10.32
- Positive: 0.02 < Industry earnings per price (median), % of 3.82
- Positive: -3.72 < Return on assets ratio (scaled to [-100,100]) of 0.29
- Positive: Interest expense per share per price, % of 0 <= 0.01
- Positive: Industry operating profit margin (median), % of 18.77 > 9.66
- Positive: Industry inventory ratio change (median), % of 0 <= 0
- Positive: Shareholder equity ratio, % of 68.91 > 64.23
Short-term YRD quotes
Long-term YRD plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | CNY4,895.63MM | CNY5,805.90MM | CNY5,572.21MM |
| Operating Expenses | CNY2,300.85MM | CNY4,158.84MM | CNY3,426.88MM |
| Operating Income | CNY2,594.78MM | CNY1,647.06MM | CNY2,145.33MM |
| Non-Operating Income | CNY50.58MM | CNY214.86MM | CNY-2,202.24MM |
| R&D Expense | CNY148.75MM | CNY411.88MM | CNY0.00MM |
| Income(Loss) | CNY2,645.36MM | CNY1,861.92MM | CNY-56.91MM |
| Taxes | CNY565.16MM | CNY279.18MM | CNY-96.33MM |
| Net Income(Loss)* | CNY2,080.20MM | CNY1,582.30MM | CNY39.42MM |
| Stockholders Equity | CNY8,085.55MM | CNY9,542.43MM | CNY9,272.04MM |
| Assets | CNY10,276.92MM | CNY12,982.70MM | CNY13,454.95MM |
| Operating Cash Flow | CNY2,171.01MM | CNY1,424.08MM | CNY703.62MM |
| Capital expenditure | CNY4.44MM | CNY9.19MM | CNY25.74MM |
| Investing Cash Flow | CNY100.05MM | CNY-3,113.11MM | CNY-1,576.17MM |
| Financing Cash Flow | CNY-569.28MM | CNY-277.23MM | CNY662.60MM |
| Earnings Per Share** | CNY23.54 | CNY18.27 | CNY0.91 |
| Ordinary share to ADR | 1.00x | 1.00x | 1.00x |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.