Yiren Digital Ltd

Chart & Performance

D1W1MN

P/E

1.45

P/S

0.61

EPS

23.81

Div Yield, %

0.00%

Shrs. gr., 5y

-0.83%

Rev. gr., 5y

-2.72%

Revenues

4.90b

+42.54%

Net income

2.08b

+74.09%

CFO

2.17b

+17.39%

Dividend

Sep 30, 20240.17 USD/sh

Earnings

Mar 19, 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

Incorporated in

Valuation

Order:

Title CNY in thousands, except ratios and share amounts	FY	FY	FY	FY	FY	FY	FY	FY	FY	FY
Title CNY in thousands, except ratios and share amounts	2023‑12	2022‑12	2021‑12	2020‑12	2019‑12	2018‑12	2017‑12	2016‑12	2015‑12	2014‑12
Income
Revenues	4,895,633 42.54%	3,434,620 -23.30%	4,477,929 13.02%
Cost of revenue	2,012,664	1,926,457	3,028,438
Unusual Expense (Income)
NOPBT	2,882,969	1,508,163	1,449,491
NOPBT Margin	58.89%	43.91%	32.37%
Operating Taxes	565,163	300,512	170,189
Tax Rate	19.60%	19.93%	11.74%
NOPAT	2,317,806	1,207,651	1,279,302
Net income	2,080,197 74.09%	1,194,871 15.67%	1,032,984 -249.11%
Dividends
Dividend yield
Proceeds from repurchase of equity	(48,117)	(3,837)	(2,750)
BB yield	34.52%	6.57%	2.25%
Debt
Debt current		198,045	340,216
Long-term debt	47,296	838,358	1,172,802
Deferred revenue		(1,315,006)	5,732
Other long-term liabilities	723,776	1,315,006	1,182,783
Net debt	(6,596,581)	(4,210,934)	(1,531,085)
Cash flow
Cash from operating activities	2,171,013	1,849,430	158,192
CAPEX	(4,444)	(882)	(9,404)
Cash from investing activities	100,045	52,559	(346,507)
Cash from financing activities	(569,278)	(489,123)	427,446
FCF	1,050,381	2,472,264	1,585,166
Balance
Cash	6,195,373	5,244,637	3,041,903
Long term investments	448,504	2,700	2,200
Excess cash	6,399,095	5,075,606	2,820,207
Stockholders' equity	3,009,168	916,764	(236,157)
Invested Capital	5,823,805	5,552,384	7,436,576
ROIC	40.75%	18.60%	17.73%
ROCE	32.64%	23.03%	19.82%
EV
Common stock shares outstanding	89,344	85,295	85,295
Price	1.56 127.74%	0.69 -52.10%	1.43 -14.37%
Market cap	139,377 138.55%	58,427 -52.10%	121,972 -18.98%
EV	(6,457,204)	(4,152,507)	(1,409,113)
EBITDA	2,908,410	1,560,994	1,589,441
EV/EBITDA
Interest		26,302	61,623
Interest/NOPBT		1.74%	4.25%