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XNYS
YRD
Market cap130mUSD
Jul 11, Last price  
6.03USD
1D
-0.50%
1Q
13.13%
Jan 2017
-70.90%
IPO
-35.23%
Name

Yiren Digital Ltd

Chart & Performance

D1W1MN
P/E
0.90
P/S
0.38
EPS
48.15
Div Yield, %
2.82%
Shrs. gr., 5y
-0.83%
Rev. gr., 5y
-2.72%
Revenues
4.90b
+42.54%
18,974,611197,835,1491,357,361,6603,237,991,0005,543,350,0005,620,728,0008,616,784,0003,961,962,0004,477,929,0003,434,620,0004,895,633,000
Net income
2.08b
+74.09%
00284,523,4861,116,398,0001,371,783,000966,605,0001,155,611,000-692,748,0001,032,984,0001,194,871,0002,080,197,000
CFO
2.17b
+17.39%
00412,529,1932,113,435,0002,716,513,000-820,182,000246,293,000282,028,000158,192,0001,849,430,0002,171,013,000
Dividend
Sep 30, 20240.17 USD/sh
Earnings
Aug 18, 2025

Profile

Yiren Digital Ltd., through its subsidiaries, operates as an online consumer finance marketplace that connects borrowers and investors in the People's Republic of China. It provides loan facilitation services; and post-origination services, such as cash processing, collection, and SMS services. The company's loan products portfolio includes unsecured consumer loans; secured consumer loan, which include secured financial leasing, auto-secured, and property-secured loans; and small business loans. It also distributes short-term cash management, mutual fund investment, insurance, and securities and stock products. In addition, the company provides online investor education services, which include a range of investment and trading topics, and various types of training programs on wealth planning, market insights, and investment strategies; consultancy information technology support; referral; and IT, system maintenance, and customer support services. Further, it is involved in the provision of services for financing lease and insurance brokerage businesses. The company offers its products through www.yxpuhui.com, and a wealth management website and mobile application. As of December 31, 2020, it had 60 fixed income products, 810 mutual fund products, and 296 insurance products. The company was formerly known as Yirendai Ltd. and changed its name to Yiren Digital Ltd. in September 2019. Yiren Digital Ltd. was founded in 2012 and is based in Beijing, the People's Republic of China. Yiren Digital Ltd. is a subsidiary of Creditease Holdings (Cayman) Limited.
URL
https://www.yirendai.com/
IPO date
Dec 18, 2015
Employees
1,064
Domiciled in
CN
Incorporated in
KY

Valuation

Title
CNY in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFY
2023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑12
Income
Revenues
4,895,633
42.54%
3,434,620
-23.30%
Cost of revenue
2,012,664
1,926,457
Unusual Expense (Income)
NOPBT
2,882,969
1,508,163
NOPBT Margin
58.89%
43.91%
Operating Taxes
565,163
300,512
Tax Rate
19.60%
19.93%
NOPAT
2,317,806
1,207,651
Net income
2,080,197
74.09%
1,194,871
15.67%
Dividends
Dividend yield
Proceeds from repurchase of equity
(48,117)
(3,837)
BB yield
34.52%
6.57%
Debt
Debt current
198,045
Long-term debt
47,296
838,358
Deferred revenue
(1,315,006)
Other long-term liabilities
723,776
1,315,006
Net debt
(6,596,581)
(4,210,934)
Cash flow
Cash from operating activities
2,171,013
1,849,430
CAPEX
(4,444)
(882)
Cash from investing activities
100,045
52,559
Cash from financing activities
(569,278)
(489,123)
FCF
1,050,381
2,472,264
Balance
Cash
6,195,373
5,244,637
Long term investments
448,504
2,700
Excess cash
6,399,095
5,075,606
Stockholders' equity
3,009,168
916,764
Invested Capital
5,823,805
5,552,384
ROIC
40.75%
18.60%
ROCE
32.64%
23.03%
EV
Common stock shares outstanding
89,344
85,295
Price
1.56
127.74%
0.69
-52.10%
Market cap
139,377
138.55%
58,427
-52.10%
EV
(6,457,204)
(4,152,507)
EBITDA
2,908,410
1,560,994
EV/EBITDA
Interest
26,302
Interest/NOPBT
1.74%