YRD

Yiren Digital

Fundamental data last updated:March 2, 2026

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company profile

SECTOR

Financial Services

industry

Credit Services

Exchange

NYSE

County of HQ

China

Next Earnings Date

18

Business Summary

Yiren Digital is a financial services company that provides credit-related services through an online platform. The company facilitates lending and related financial solutions for individual borrowers and investors.

 


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VALUATION

P/E

1.9

Market Cap ($M USD)

$336

Forward P/E

-

PEG

-

PRICE TO SALES

0.4

PRICE TO BOOK

0.2

EV / EBITDA

5-Year Average P/E

Free Cash Flow Yield

DCF Value

Graham Number

Price to FCF

EV to FCF

Earnings Yield

FCF Yield

DIVIDEND

Yield

11.30%

Annual Payout

$0.44

Payout Ratio

21.90%

Consecutive Years of Dividend Growth

1

5-Year Dividend Growth Rate

-

Financial Health & Profitability

Earnings Per Share

$2.08

Next Year EPS Growth Estimate

-

Next Year Revenue Growth Estimate

-

Return on Equity (ROE)

6.20%

FREE CASH FLOW

Operating Margin

18.30%

Debt-to-Equity

0

Piotroski F-Score

Altman Z-Score

Return on Invested Capital (ROIC)

Current Ratio

Quick Ratio

Net Debt to EBITDA

Interest Coverage

Gross Profit margin

FCF PER SHARE

REVENUE PER SHARE

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Gainseekers Quantitative Analysis

Summary

Yiren Digital is a Financial Services company in the Credit Services industry with a market cap of $336 million and trades on the NYSE. The stock appears deeply discounted with a P/E of 1.9, a Price/Sales ratio of 0.4, and a Price/Book ratio of 0.2. It generates a Return on Equity of 6.20% and an operating margin of 18.30%, while offering an 11.30% yield with a 21.90% payout ratio.

AI Exposure / Tech Reliance

As a Credit Services company, its operations are primarily finance-driven rather than heavily dependent on advanced AI infrastructure. Its technology reliance is likely focused on digital financial platforms rather than frontier AI development.

The Bull Case

The company’s extremely low valuation multiples, including a P/E of 1.9 and Price/Book of 0.2, suggest significant upside if earnings remain stable. Investors are also compensated with an 11.30% yield supported by a modest 21.90% payout ratio and zero debt.

The Bear Case

Return on Equity of 6.20% is relatively modest, which may indicate limited profitability efficiency. Institutional ownership is low at 3.40%, and the small $336 million market cap may contribute to higher volatility and limited analyst coverage.

Market Sentiment & Smart Money

Short Interest %

0.40%

Analyst Consensus

5

Average Analyst Price Target

-

Institutional Ownership %

3.40%

1-Year Beta

Insider Buying % (6 Mo)

Distance to 52-Week High

Distance to 52-Week Low

EARNINGS SURPRISE %

50-DAY SMA

200-DAY SMA

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.