Latest Ratios: P/E Ratio 7.5x · EV/EBITDA -1.3x · ROE 0.4%. (2013–2025 historical series)
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $87M | $323M | $419M | $279M | $117M | $244M | $301M | $518M | $1.0B | $2.7B | $1.2B |
| Enterprise Value | $-404195825 | $-2976110324 | $-3381210200 | $-5488931221 | $-3351915710 | $-1519898008 | $-1586450830 | $-2379526087 | $-1413315977 | $861M | $264M |
| P/E Ratio → | 7.46 | 4.11 | 0.27 | 0.13 | 0.10 | 0.24 | — | 0.45 | 1.04 | — | 1.10 |
| P/S Ratio | 0.10 | 0.06 | 0.07 | 0.06 | 0.03 | 0.06 | 0.08 | 0.06 | 0.09 | 0.23 | 0.38 |
| P/B Ratio | 0.06 | 0.03 | 0.04 | 0.03 | 0.02 | 0.05 | 0.08 | 0.12 | — | 0.92 | 0.58 |
| P/FCF | 0.86 | 0.48 | 0.30 | 0.13 | 0.06 | 1.64 | 1.12 | 2.29 | — | — | 0.59 |
| P/OCF | 0.83 | 0.46 | 0.29 | 0.13 | 0.06 | 1.54 | 1.07 | 1.89 | — | 14.77 | 0.58 |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | -0.53 | -0.58 | -1.12 | -0.98 | -0.35 | -0.40 | -0.28 | -0.13 | 0.07 | 0.08 |
| EV / EBITDA | -1.26 | -1.38 | -2.02 | -2.11 | -2.20 | -1.14 | -5.72 | -1.56 | -1.53 | 4.88 | 0.24 |
| EV / EBIT | -1.27 | — | -2.05 | -2.12 | -2.28 | -1.18 | — | -2.11 | -1.82 | 24.37 | 0.24 |
| EV / FCF | — | -4.39 | -2.39 | -2.53 | -1.81 | -10.22 | -5.91 | -10.52 | — | — | 0.13 |
Margins and return-on-capital ratios measuring operating efficiency
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 85.8% | 85.8% | 84.8% | 80.1% | 77.4% | 83.0% | 72.1% | 92.3% | 90.6% | 89.3% | 94.4% |
| Operating Margin | 38.5% | 38.5% | 28.4% | 53.0% | 42.9% | 28.7% | -1.3% | 13.1% | 6.9% | 0.3% | 33.5% |
| Net Profit Margin | 0.7% | 0.7% | 27.3% | 42.5% | 34.8% | 23.1% | -17.5% | 13.4% | 14.1% | -1.6% | 34.5% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 0.4% | 0.4% | 18.0% | 29.5% | 22.0% | 24.0% | -16.8% | 56.0% | 121.2% | -7.4% | 71.6% |
| ROA | 0.3% | 0.3% | 13.6% | 22.1% | 14.7% | 14.3% | -8.5% | 9.7% | 14.5% | -3.1% | 32.0% |
| ROIC | 17.0% | 17.0% | 14.0% | 26.0% | 17.3% | 18.8% | -0.8% | 36.6% | 41.6% | 1.0% | 52.2% |
| ROCE | 19.0% | 19.0% | 16.7% | 32.7% | 22.3% | 24.0% | -0.9% | 23.7% | 18.5% | 0.7% | 42.3% |
Solvency and debt-coverage ratios — lower is generally safer
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.01 | 0.01 | 0.00 | 0.00 | 0.13 | 0.23 | 0.15 | 0.07 | — | — | — |
| Debt / EBITDA | 0.02 | 0.02 | 0.02 | 0.01 | 0.53 | 0.83 | 2.10 | 0.20 | 0.21 | — | — |
| Net Debt / Equity | — | -0.36 | -0.40 | -0.71 | -0.58 | -0.37 | -0.50 | -0.65 | — | -0.63 | -0.45 |
| Net Debt / EBITDA | -1.53 | -1.53 | -2.27 | -2.22 | -2.28 | -1.33 | -6.80 | -1.90 | -2.61 | -10.54 | -0.88 |
| Debt / FCF | — | -4.87 | -2.69 | -2.66 | -1.88 | -11.85 | -7.04 | -12.81 | — | — | -0.46 |
| Interest Coverage | — | — | — | — | — | 20.89 | — | — | — | — | — |
Net cash position: cash ($3.3B) exceeds total debt ($49M)
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 6.82 | 6.82 | 5.61 | 6.30 | 5.11 | 4.13 | 2.59 | 2.38 | 0.78 | 3.87 | 3.58 |
| Quick Ratio | 6.82 | 6.82 | 5.61 | 6.30 | 5.11 | 4.13 | 2.59 | 2.38 | 0.78 | 3.87 | 3.58 |
| Cash Ratio | 1.88 | 1.88 | 1.83 | 4.01 | 2.84 | 1.84 | 1.15 | 1.17 | 0.22 | 1.09 | 0.83 |
| Asset Turnover | — | 0.41 | 0.45 | 0.48 | 0.40 | 0.58 | 0.59 | 0.89 | 0.79 | 1.55 | 0.68 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 46.6% | 84.5% | 29.2% | — | — | — | — | — | 10.6% | 22.3% | — |
| Payout Ratio | 692.9% | 692.9% | 7.7% | — | — | — | — | — | 6.7% | — | — |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 13.4% | 24.3% | 377.3% | 746.2% | 994.9% | 423.4% | — | 223.2% | 96.6% | — | 90.6% |
| FCF Yield | 100.0% | 209.8% | 337.4% | 777.2% | 1581.9% | 61.0% | 89.1% | 43.7% | — | — | 169.1% |
| Buyback Yield | 0.0% | 0.1% | 18.0% | 17.3% | 3.3% | 1.1% | 1.0% | 7.1% | 0.0% | 0.0% | 0.0% |
| Total Shareholder Yield | 46.6% | 84.6% | 47.2% | 17.3% | 3.3% | 1.1% | 1.0% | 7.1% | 10.7% | 22.3% | 0.0% |
| Shares Outstanding | — | $87M | $87M | $89M | $85M | $85M | $90M | $93M | $93M | $62M | $59M |
Includes 30+ ratios · 13 years · Updated daily
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Quick answers to the most common questions about buying YRD stock.
Yiren Digital Ltd.'s current P/E ratio is 7.5x. The historical average is 1.0x. This places it at the 100th percentile of its historical range.
Yiren Digital Ltd.'s current EV/EBITDA is -1.3x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 2.6x.
Yiren Digital Ltd.'s return on equity (ROE) is 0.4%. The historical average is 6.0%.
Based on historical data, Yiren Digital Ltd. is trading at a P/E of 7.5x. This is at the 100th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
Yiren Digital Ltd.'s current dividend yield is 46.55% with a payout ratio of 692.9%.
Yiren Digital Ltd. has 85.8% gross margin and 38.5% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
Yiren Digital Ltd.'s Debt/EBITDA ratio is 0.0x, indicating low leverage. A ratio below 2x is generally considered financially healthy.
Key Metrics
Top Statement Risk
Regulatory and Credit Volatility
Deep Discount Reflects Structural Uncertainty
According to recent market data, YRD trades at a P/B ratio of 0.04, a valuation level that suggests investors are pricing the firm as a distressed entity rather than a viable financial services platform, despite its substantial cash holdings and historical ties to the CreditEase ecosystem.
The extreme discount to book value indicates that the market heavily discounts the quality of the firm's assets and the sustainability of its earnings. This valuation implies that investors are skeptical of the company's ability to pivot toward wealth management and may be factoring in significant potential write-downs on legacy credit assets.
DuPont Decomposition Reveals Profitability Erosion
As reported in financial statements, the firm's ROE collapsed to -8.9% in 2025Q4, a sharp reversal from previous periods that highlights how rising provision expenses and operational inefficiencies are effectively neutralizing the revenue generated from its fee-heavy, transactional business model.
The decomposition of profitability shows that the reliance on non-interest income, which accounts for 98.5% of revenue, provides little protection when credit quality deteriorates. The surge in the efficiency ratio to 77.5% suggests that the cost of maintaining the platform is rising, further compressing margins and limiting the firm's ability to generate sustainable returns.
Efficiency Ratio Deterioration Signals Headwinds
Based on the company's latest quarterly data, the efficiency ratio has deteriorated to 77.5% in 2025Q4 from 31.6% in 2023Q4, indicating that the firm's operating leverage is under significant pressure as it struggles to manage costs amidst a contracting loan facilitation environment.
The rising efficiency ratio suggests that the firm is facing structural challenges in controlling its overhead relative to its shrinking revenue base. Investors should monitor whether this trend is a temporary result of regulatory compliance costs or a permanent shift in the firm's ability to operate profitably in the current credit climate.
Capital Base Impaired by Losses
As reported in the company's latest balance sheet data, equity has declined to $9.3 billion in 2025Q4 from $10.3 billion in 2025Q3, signaling that recent net losses are directly impairing the firm's capital base and reducing its long-term financial flexibility.
While the firm maintains a low debt-to-equity ratio, the erosion of equity due to operational losses raises concerns about the long-term sustainability of its capital position. The lack of aggressive capital returns, despite a large cash pile, may indicate that management is prioritizing liquidity preservation over shareholder value in the face of regulatory uncertainty.
Misapplied P/E Multiples Obscure Reality
Based on an analysis of valuation metrics, the P/E ratio is the most commonly misapplied metric for YRD, as it fails to account for the extreme volatility in net income caused by non-operating charges and massive provision adjustments that mask the firm's true underlying earnings power.
Investors should instead focus on P/TBV and adjusted operating cash flow to better understand the firm's valuation and liquidity. Relying on P/E in this context is misleading because it ignores the significant accounting accruals and contingent liabilities that are central to the company's current financial profile.