NYSE: YRDYiren Digital Ltd Stock
$5.98+0.37 (+6.6%)
Updated Apr 22, 2025
YRD Price
$5.98
Fair Value Price
N/A
Market Cap
$516.44M
52 Week Low
$4.12
52 Week High
$9.20
P/E
2.38x
P/B
0.39x
P/S
0.52x
PEG
0.47x
Dividend Yield
3.34%
Revenue
$799.71M
Earnings
$216.75M
Gross Margin
84.8%
Operating Margin
32.06%
Profit Margin
27.3%
Debt to Equity
0.36
Operating Cash Flow
N/A
Beta
1.05
Next Earnings
N/A
Ex-Dividend
Apr 30, 2025
Next Dividend
May 15, 2025
YRD Overview
Yiren Digital Limited is an online consumer finance platform connecting borrowers and lenders in China. It provides loan facilitation services, cash processing, collection, and SMS services. The company facilitates secured and unsecured consumer loans, secured financial leasing, and small business loans. It also distributes short-term cash management, mutual fund investment, insurance, and securities products. Known as Yirendai Ltd. until 2019/09, Yiren Digital was founded in 2012 and is based in Beijing, PRC.
Zen Rating
Our proven quant model uses 115 proprietary factors, including AI, to determine YRD's potential to beat the market
CHold
- Stocks with a Zen Rating of Hold (C) had an average return of +7.53% per year. Learn More
Zen Rating Component Grades
C
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.
Industry: Credit Service
Industry Rating
A
YRD
Ranked#24 of 50
Ranked#24 of 50
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $26.10 | A | |
| $8.44 | A | |
| $7.36 | A |
Be the first to know about important YRD news, forecast changes, insider trades & much more!
YRD News
Overview
Due Diligence Score
–
Industry Average (35)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how YRD scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.
Due Diligence Checks
YRD ($5.98) is trading below its intrinsic value of $17.86, according to an updated version of Benjamin Graham's Formula from Chapter 11 of "The Intelligent Investor"
Below Benjamin Graham Formula Value Valuation
YRD is good value based on its earnings relative to its share price (2.38x), compared to the US market average (28.14x)
P/E vs Market Valuation
YRD is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
There are 35 more YRD due diligence checks available for Premium users.
Valuation
YRD price to earnings (PE)
For valuing profitable companies with steady earnings
Company
2.38x
Industry
28.79x
Market
28.14x
YRD is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
YRD is good value based... subscribe to Premium to read more.
P/E vs Market Valuation
YRD price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
0.39x
Industry
5.2x
YRD is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation
YRD price to earnings growth (PEG)
For valuing profitable companies with growth potential
YRD is good value based... subscribe to Premium to read more.
PEG Value Valuation
YRD's financial health
Profit margin
Revenue
$198.9M
Net Income
$45.4M
Profit Margin
22.8%
YRD's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$1.8B
Liabilities
$471.3M
Debt to equity
0.36
YRD's debt relative to shareholder... subscribe to Premium to read more.
Shrinking Debt Financials
YRD's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
N/A
Investing
N/A
Financing
N/A
YRD vs Credit Service Stocks
Yiren Digital Stock FAQ
Company
AboutNewsBlogStock Investing FAQPlansPrivacy PolicyTerms of ServiceCancellation & RefundsPerformanceHelp GuidesContactTwitterYouTubeNewsletterWallStreetZen does not provide financial advice and does not issue recommendations or offers to buy stock or sell any security.
Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.
Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.