| Name | Market Cap | Current Price | P/E Ratio | Revenue Growth 1Y | Net Margin | ROE | FCF Yield | Debt/Equity |
|---|---|---|---|---|---|---|---|---|
| QDQudian Inc. | 304.91M | 3.00 | 6.12 | 71.31% | 42.38% | 4.56% | 0.07 | |
| NISNNisun International Enterprise Development Group Co., Ltd | 5.73M | 1.20 | 5.20 | -12.17% | 0.27% | 8.76% | 0.04 | |
| LULufax Holding Ltd | 2.25B | 2.60 | 0.84 | -39.62% | 2.13% | -3.92% | 100% | 0.48 |
| FINVFinVolution Group | 736.79M | 5.26 | 0.58 | 3.69% | 18.24% | 16.74% | 100% | 0.00 |
| LXLexinFintech Holdings Ltd. | 415.01M | 3.13 | 0.48 | 8.78% | 7.75% | 13.91% | 100% | 0.49 |
| QFINQfin Holdings, Inc. | 2.2B | 16.89 | 0.20 | 5.38% | 36.49% | 28.34% | 100% | 0.07 |
| YRDYiren Digital Ltd. | 343.9M | 3.98 | 0.11 | 18.59% | 27.25% | 12.13% | 100% | 0.00 |
| XYFX Financial | 136.82M | 6.00 | 0.03 | 79.16% | 26.23% | 22.61% | 100% | 0.05 |
| Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 4.8M | 36.84M | 115.06M | 73.92M | 73.37M | 61.62M | -73.38M | 0 | 80.75M | 105.48M |
| NII Growth % | - | 6.68% | 2.12% | -0.36% | -0.01% | -0.16% | -2.19% | 1% | - | 0.31% |
| Net Interest Margin % | - | - | - | - | - | - | - | - | - | - |
| Interest Income | 4.8M | 36.84M | 115.06M | 73.92M | 73.37M | 61.62M | 73.38M | 0 | 80.75M | 105.48M |
| Interest Expense | 0 | 0 | 0 | 0 | 0 | 0 | 61.62M | 0 | 0 | 0 |
| Loan Loss Provision | 86.36M | 180.08M | 1.24B | 1.06B | 665.08M | 1.1B | 699.24M | 776.84M | 976.17M | 882.96M |
| Non-Interest Income | 1.31B | 3.2B | 11.53B | 11.17B | 8.54B | 3.9B | 4.4B | 3.43B | 4.81B | 5.7B |
| Non-Interest Income % | - | - | - | - | - | - | - | - | - | - |
| Total Revenue | 1.32B | 3.24B | 11.65B | 11.24B | 8.62B | 3.96B | 4.48B | 3.43B | 4.9B | 5.81B |
| Revenue Growth % | 5.71% | 1.46% | 2.6% | -0.03% | -0.23% | -0.54% | 0.13% | -0.23% | 0.43% | 0.19% |
| Non-Interest Expense | 816.88M | 1.97B | 10.37B | 9.41B | 6.82B | 2.91B | 2.43B | 1.19B | 1.32B | 3.28B |
| Efficiency Ratio | - | - | - | - | - | - | - | - | - | - |
| Operating Income | 415.19M | 1.08B | 35.32M | 776.15M | 1.13B | -50M | 1.29B | 1.47B | 2.59B | 1.65B |
| Operating Margin % | - | - | - | - | - | - | - | - | - | - |
| Operating Income Growth % | 16% | 1.61% | -0.97% | 20.97% | 0.45% | -1.04% | 26.75% | 0.14% | 0.76% | -0.37% |
| Pretax Income | 403.86M | 1.1B | 193.14M | 1.77B | 1.39B | -773.36M | 1.2B | 1.5B | 2.65B | 1.86B |
| Pretax Margin % | - | - | - | - | - | - | - | - | - | - |
| Income Tax | 128.52M | -13.95M | 381.21M | 194.29M | 239.23M | -80.61M | 170.19M | 300.51M | 565.16M | 279.18M |
| Effective Tax Rate % | - | - | - | - | - | - | - | - | - | - |
| Net Income | 275.34M | 1.12B | -188.07M | 1.58B | 1.16B | -692.75M | 1.03B | 1.19B | 2.08B | 1.58B |
| Net Margin % | - | - | - | - | - | - | - | - | - | - |
| Net Income Growth % | 10.94% | 3.05% | -1.17% | 9.4% | -0.27% | -1.6% | 2.49% | 0.16% | 0.74% | -0.24% |
| Net Income (Continuing) | 275.34M | 1.12B | -188.07M | 1.58B | 1.16B | -692.75M | 1.03B | 1.19B | 2.08B | 1.58B |
| EPS (Diluted) | 10.94 | 37.54 | 44.38 | 20.76 | 24.78 | -15.36 | 24.22 | 27.26 | 46.56 | 36.22 |
| EPS Growth % | 12.4% | 2.43% | 0.18% | -0.53% | 0.19% | -1.62% | 2.58% | 0.13% | 0.71% | -0.22% |
| EPS (Basic) | 10.94 | 37.76 | 45.24 | 20.98 | 24.96 | -15.36 | 24.44 | 27.36 | 47.08 | 36.54 |
| Diluted Shares Outstanding | 25.16M | 29.73M | 30.91M | 46.57M | 46.63M | 45.08M | 42.65M | 42.65M | 44.67M | 43.68M |
| Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Cash & Due from Banks | 846.12M | 968.23M | 1.86B | 2.61B | 3.2B | 2.47B | 2.86B | 4.27B | 5.79B | 3.84B |
| Short Term Investments | 0 | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Total Investments | 30M | 1.26B | 973.2M | 1.38B | 467.62M | 178.8M | 179.56M | 975.44M | 524.56M | 446.44M |
| Investments Growth % | - | 40.9% | -0.23% | 0.42% | -0.66% | -0.62% | 0% | 4.43% | -0.46% | -0.15% |
| Long-Term Investments | 30M | 98.92M | 9.94M | 547.23M | 6.63M | 3.29M | 2.2M | 2.7M | 10.42M | 15.83M |
| Accounts Receivables | 1000K | 1000K | 1000K | -1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Goodwill & Intangibles | - | - | - | - | - | - | - | - | - | - |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4.78M | 4.78M | 4.78M |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 28.49M | 32.99M | 33.78M |
| PP&E (Net) | 16.18M | 35.5M | 82.25M | 266M | 529.99M | 252.87M | 183.3M | 82.67M | 69.55M | 84.59M |
| Other Assets | 6.93M | 15.36M | 27.18M | 4.21B | 2.59B | 839.71M | 1.13B | 655.15M | 993.44M | 1.03B |
| Total Current Assets | 1.96B | 4.2B | 6.6B | 9.04B | 6.48B | 5.59B | 6.42B | 7.68B | 9.09B | 11.74B |
| Total Non-Current Assets | 228.97M | 586.18M | 920.47M | 5.21B | 3.17B | 1.11B | 1.32B | 857.99M | 1.18B | 1.24B |
| Total Assets | 2.19B | 4.78B | 7.52B | 14.25B | 9.64B | 6.7B | 7.74B | 8.54B | 10.28B | 12.98B |
| Asset Growth % | 4.45% | 1.18% | 0.57% | 0.9% | -0.32% | -0.31% | 0.15% | 0.1% | 0.2% | 0.26% |
| Return on Assets (ROA) | 0.21% | 0.32% | -0.03% | 0.15% | 0.1% | -0.08% | 0.14% | 0.15% | 0.22% | 0.14% |
| Accounts Payable | 4.5M | 13.69M | 33.84M | 307.05M | 43.58M | 9.9M | 19.07M | 14.14M | 30.9M | 43.17M |
| Total Debt | 0 | 0 | 0 | 192.42M | 300.92M | 582.35M | 1.1B | 803.13M | 23.65M | 40.77M |
| Net Debt | -846.12M | -968.23M | -1.86B | -2.41B | -2.9B | -1.89B | -1.76B | -3.47B | -5.77B | -3.8B |
| Long-Term Debt | 0 | 0 | 0 | 192.42M | 18.59M | 500.5M | 1.03B | 767.9M | 0 | 0 |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | 428.85M | 1.31B | 2.61B | 1.71B | 1.55B | 148.84M | 151.79M | 118.7M | 620.68M | 1.26B |
| Total Current Liabilities | 666.73M | 1.17B | 1.71B | 11.66B | 2.72B | 2.15B | 1.55B | 1.5B | 1.44B | 2.09B |
| Total Non-Current Liabilities | 546.33M | 1.47B | 2.84B | 2.95B | 2.43B | 769.93M | 1.37B | 1B | 747.42M | 1.35B |
| Total Liabilities | 1.21B | 2.64B | 4.55B | 14.62B | 5.15B | 2.92B | 2.92B | 2.51B | 2.19B | 3.44B |
| Total Equity | 976.94M | 2.14B | 2.97B | -363.41M | 4.49B | 3.78B | 4.82B | 6.03B | 8.09B | 9.54B |
| Equity Growth % | 3.37% | 1.19% | 0.39% | -1.12% | 13.36% | -0.16% | 0.28% | 0.25% | 0.34% | 0.18% |
| Equity / Assets (Capital Ratio) | - | - | - | - | - | - | - | - | - | - |
| Return on Equity (ROE) | 0.46% | 0.72% | -0.07% | 1.21% | 0.56% | -0.17% | 0.24% | 0.22% | 0.29% | 0.18% |
| Book Value per Share | 38.82 | 71.97 | 96.10 | -7.80 | 96.28 | 83.81 | 113.05 | 141.41 | 181.00 | 218.47 |
| Tangible BV per Share | - | - | - | - | - | - | - | - | - | - |
| Common Stock | 73K | 75K | 76K | 77K | 121K | 121K | 123K | 129K | 130K | 132K |
| Additional Paid-in Capital | 791.84M | 933.27M | 1.12B | 1.29B | 5.04B | 5.06B | 5.1B | 5.16B | 5.17B | 5.2B |
| Retained Earnings | 184.93M | 1.18B | 1.84B | -1.67B | -533.48M | -1.26B | -247.83M | 908.87M | 2.99B | 4.44B |
| Accumulated OCI | 101K | 29.46M | 11.07M | 16.39M | 21.86M | 17.11M | 11.55M | 7.76M | 23.67M | 79.27M |
| Treasury Stock | 0 | 0 | 0 | -254K | -37.1M | -40.15M | -42.9M | -46.73M | -94.85M | -170.46M |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 861.28M | 2.11B | 184.07M | -3.96B | 274.17M | 282.03M | 158.19M | 1.85B | 2.17B | 1.42B |
| Operating CF Growth % | 4.79% | 1.45% | -0.91% | -22.51% | 1.07% | 0.03% | -0.44% | 10.69% | 0.17% | -0.34% |
| Net Income | 275.34M | 1.12B | -188.07M | 1.58B | 1.16B | -692.75M | 1.03B | 1.19B | 2.08B | 1.58B |
| Depreciation & Amortization | 3.63M | 10.61M | 140.92M | 147.99M | 394.61M | 327.46M | 139.95M | 52.83M | 25.44M | 28.29M |
| Deferred Taxes | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Cash Items | -43.39M | -184.75M | -143.47M | 1.13B | 1.21B | 785.34M | 463.16M | 113.07M | 410.5M | 1.28B |
| Working Capital Changes | 625.7M | 1.15B | 249.12M | -6.93B | -2.53B | -152.2M | -1.5B | 466.52M | -351.87M | -1.49B |
| Cash from Investing | -282.59M | -1.42B | -1.17B | 3.3B | 1.11B | -1.8B | -346.51M | 52.56M | 100.05M | -3.11B |
| Purchase of Investments | 0 | 0 | -3.96B | 0 | 0 | 0 | 0 | 0 | 0 | -12.85B |
| Sale/Maturity of Investments | 0 | 0 | 1000K | 0 | 0 | 0 | 0 | 0 | 0 | 1000K |
| Net Investment Activity | - | - | - | - | - | - | - | - | - | - |
| Acquisitions | 0 | 0 | 0 | 0 | -263.82M | -15.17M | 0 | 0 | -5.05M | 820K |
| Other Investing | -266.19M | -1.39B | -1.21B | 3.44B | 1.42B | -1.77B | -337.1M | 53.44M | 109.54M | -837.76M |
| Cash from Financing | 749.92M | 135.3M | 2.64B | -788.02M | -1.15B | 955.45M | 427.45M | -489.12M | -569.28M | -277.23M |
| Dividends Paid | 0 | 0 | -605.24M | -106.63M | 0 | 0 | 0 | 0 | 0 | -122.33M |
| Share Repurchases | 0 | 0 | 0 | -254K | -36.84M | -3.05M | -2.75M | -3.84M | -48.12M | -75.61M |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | - | - | - | - | - | - | - | - | - | - |
| Debt Issuance (Net) | 0 | 0 | 1000K | 1000K | -1000K | 1000K | 1000K | -1000K | -1000K | -1000K |
| Other Financing | 749.92M | 135.3M | 483.23M | -853.56M | -909.03M | 476.59M | -97.9M | -267.59M | 246.74M | 212.5M |
| Net Change in Cash | 1.33B | 856.43M | 1.64B | -1.45B | 234.66M | -561.99M | 238.19M | 1.42B | 1.7B | -1.96B |
| Exchange Rate Effect | 101K | 1000K | -1000K | 1000K | 193K | -1000K | -936K | 1000K | -1000K | 1000K |
| Cash at Beginning | 1.38M | 1.33B | 2.84B | 4.48B | 3.03B | 3.27B | 2.71B | 2.95B | 4.36B | 6.06B |
| Cash at End | 1.33B | 2.19B | 4.48B | 3.03B | 3.27B | 2.71B | 2.95B | 4.36B | 6.06B | 4.1B |
| Interest Paid | 0 | 0 | 0 | 15.39M | 11.42M | 1.64M | 85.26M | 121.7M | 62.53M | 0 |
| Income Taxes Paid | 98.94M | 65.89M | 302.19M | 334.1M | 178.11M | 103.73M | 63.31M | 78.87M | 165.18M | 140.09M |
| Free Cash Flow | 844.88M | 2.08B | -33.88M | -4.1B | 226.16M | 268.31M | 148.79M | 1.85B | 2.17B | 1.41B |
| FCF Growth % | 4.66% | 1.47% | -1.02% | -120% | 1.06% | 0.19% | -0.45% | 11.42% | 0.17% | -0.35% |
| Metric | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 45.88% | 71.64% | -7.36% | 121.21% | 56.01% | -16.76% | 24.03% | 22.02% | 29.47% | 17.95% |
| Return on Assets (ROA) | 21.24% | 32.02% | -3.06% | 14.51% | 9.67% | -8.48% | 14.31% | 14.68% | 22.11% | 13.61% |
| Net Interest Margin | 0.22% | 0.77% | 1.53% | 0.52% | 0.76% | 0.92% | -0.95% | 0% | 0.79% | 0.81% |
| Efficiency Ratio | 61.96% | 60.94% | 89.03% | 83.66% | 79.19% | 73.38% | 54.26% | 34.53% | 27.06% | 56.42% |
| Equity / Assets | 44.61% | 44.74% | 39.5% | -2.55% | 46.56% | 56.36% | 62.3% | 70.65% | 78.68% | 73.5% |
| Book Value / Share | 38.82 | 71.97 | 96.1 | -7.8 | 96.28 | 83.81 | 113.05 | 141.41 | 181 | 218.47 |
| NII Growth | - | 667.72% | 212.3% | -35.76% | -0.74% | -16.01% | -219.08% | 100% | - | 30.62% |
| Dividend Payout | - | - | - | 6.75% | - | - | - | - | - | 7.73% |
| 2018 | 2019 | 2020 | 2024 | |
|---|---|---|---|---|
| Referral Services | - | - | - | 205.19M |
| Referral Services Growth | - | - | - | - |
| Technical Support | - | - | - | 15.14M |
| Technical Support Growth | - | - | - | - |
| Post-origination services | - | - | - | 3.4M |
| Post-origination services Growth | - | - | - | - |
| Post Origination Service | 685.9M | 787.1M | 99.8M | - |
| Post Origination Service Growth | - | 14.75% | -87.32% | - |
| Management Service | 850.4M | 919.7M | - | - |
| Management Service Growth | - | 8.15% | - | - |
| Loan Facilitation Service | - | 5.18B | - | - |
| Loan Facilitation Service Growth | - | - | - | - |
| Service Other | - | 660.29M | - | - |
| Service Other Growth | - | - | - | - |
| 2018 | 2019 | 2020 | 2024 | |
|---|---|---|---|---|
| C | 291.49M | - | - | - |
| C Growth | - | - | - | - |
Yiren Digital Ltd. (YRD) has a price-to-earnings (P/E) ratio of 0.1x. This may indicate the stock is undervalued or faces growth challenges.
Yiren Digital Ltd. (YRD) grew revenue by 18.6% over the past year. This is strong growth.
Yes, Yiren Digital Ltd. (YRD) is profitable, generating $1.25B in net income for fiscal year 2024 (27.3% net margin).
Yes, Yiren Digital Ltd. (YRD) pays a dividend with a yield of 70.37%. This makes it attractive for income-focused investors.
Yiren Digital Ltd. (YRD) has a return on equity (ROE) of 18.0%. This is reasonable for most industries.
Yiren Digital Ltd. (YRD) has a net interest margin (NIM) of 0.8%. NIM has been under pressure due to interest rate environment.
Yiren Digital Ltd. (YRD) has an efficiency ratio of 56.4%. This is reasonable for a bank.