12 years of historical data (2013–2024) · Financial Services · Financial - Credit Services
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Yiren Digital Ltd. trades at 0.7x earnings, 703% above its 5-year average of 0.1x, sitting at the 78th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.8x, the stock trades at a discount of 95%. On a free-cash-flow basis, the stock trades at 3.3x P/FCF, 904% above the 5-year average of 0.3x.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $673M | $210M | $139M | $58M | $122M | $151M | $259M | $501M | $1.4B | $616M | $238M |
| Enterprise Value | $119M | $-3590864600 | $-5628308110 | $-3410342855 | $-1641870004 | $-1737002917 | $-2638344044 | $-1913917988 | $-498205290 | $-352130926 | $-608329518 |
| P/E Ratio → | 0.74 | 0.13 | 0.07 | 0.05 | 0.12 | — | 0.22 | 0.52 | 0.99 | 0.55 | 0.86 |
| P/S Ratio | 0.80 | 0.04 | 0.03 | 0.02 | 0.03 | 0.04 | 0.03 | 0.04 | 0.12 | 0.19 | 0.18 |
| P/B Ratio | 0.12 | 0.02 | 0.02 | 0.01 | 0.03 | 0.04 | 0.06 | — | 0.46 | 0.29 | 0.24 |
| P/FCF | 3.26 | 0.15 | 0.06 | 0.03 | 0.82 | 0.56 | 1.14 | — | — | 0.30 | 0.28 |
| P/OCF | 3.24 | 0.15 | 0.06 | 0.03 | 0.77 | 0.53 | 0.94 | — | 7.38 | 0.29 | 0.28 |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
Yiren Digital Ltd.'s enterprise value stands at 0.5x EBITDA. The Financial Services sector median is 11.1x, placing the stock at a 96% discount on an enterprise-value basis.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | -0.62 | -1.15 | -0.99 | -0.37 | -0.44 | -0.31 | -0.17 | -0.04 | -0.11 | -0.46 |
| EV / EBITDA | 0.49 | -2.14 | -2.16 | -2.24 | -1.23 | -6.26 | -1.73 | -2.07 | -2.83 | -0.32 | -1.45 |
| EV / EBIT | 0.50 | -2.18 | -2.17 | -2.32 | -1.28 | — | -2.34 | -2.47 | -14.10 | -0.32 | -1.47 |
| EV / FCF | — | -2.54 | -2.60 | -1.84 | -11.03 | -6.47 | -11.67 | — | — | -0.17 | -0.72 |
Margins and return-on-capital ratios measuring operating efficiency
Yiren Digital Ltd. earns an operating margin of 28.4%, above the Financial Services sector average of 21.9%. Operating margins have compressed from 42.9% to 28.4% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 18.0% indicates solid capital efficiency, compared to the sector median of 9.1%. ROIC of 14.0% represents solid returns on invested capital versus a sector median of 5.4%.
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 84.8% | 84.8% | 80.1% | 77.4% | 83.0% | 72.1% | 92.3% | 90.6% | 89.3% | 94.4% | 93.4% |
| Operating Margin | 28.4% | 28.4% | 53.0% | 42.9% | 28.7% | -1.3% | 13.1% | 6.9% | 0.3% | 33.5% | 31.5% |
| Net Profit Margin | 27.3% | 27.3% | 42.5% | 34.8% | 23.1% | -17.5% | 13.4% | 14.1% | -1.6% | 34.5% | 20.9% |
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 18.0% | 18.0% | 29.5% | 22.0% | 24.0% | -16.8% | 56.0% | 121.2% | -7.4% | 71.6% | 45.9% |
| ROA | 13.6% | 13.6% | 22.1% | 14.7% | 14.3% | -8.5% | 9.7% | 14.5% | -3.1% | 32.0% | 21.2% |
| ROIC | 14.0% | 14.0% | 26.0% | 17.3% | 18.8% | -0.8% | 36.6% | 41.6% | 1.0% | 52.2% | 51.9% |
| ROCE | 16.7% | 16.7% | 32.7% | 22.3% | 24.0% | -0.9% | 23.7% | 18.5% | 0.7% | 42.3% | 47.5% |
Solvency and debt-coverage ratios — lower is generally safer
Yiren Digital Ltd. carries a Debt/EBITDA ratio of 0.0x, which is very conservative (99% below the sector average of 4.1x). The company holds a net cash position — cash of $3.8B exceeds total debt of $41M, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.00 | 0.00 | 0.00 | 0.13 | 0.23 | 0.15 | 0.07 | — | — | — | — |
| Debt / EBITDA | 0.02 | 0.02 | 0.01 | 0.53 | 0.83 | 2.10 | 0.20 | 0.21 | — | — | — |
| Net Debt / Equity | — | -0.40 | -0.71 | -0.58 | -0.37 | -0.50 | -0.65 | — | -0.63 | -0.45 | -0.87 |
| Net Debt / EBITDA | -2.27 | -2.27 | -2.22 | -2.28 | -1.33 | -6.80 | -1.90 | -2.61 | -10.54 | -0.88 | -2.02 |
| Debt / FCF | — | -2.69 | -2.66 | -1.88 | -11.85 | -7.04 | -12.81 | — | — | -0.46 | -1.00 |
| Interest Coverage | — | — | — | — | 20.89 | — | — | — | — | — | — |
Net cash position: cash ($3.8B) exceeds total debt ($41M)
Short-term solvency ratios and asset-utilisation metrics
Yiren Digital Ltd.'s current ratio of 5.61x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 5.11x to 5.61x over the past 3 years.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 5.61 | 5.61 | 6.30 | 5.11 | 4.13 | 2.59 | 2.38 | 0.78 | 3.87 | 3.58 | 2.94 |
| Quick Ratio | 5.61 | 5.61 | 6.30 | 5.11 | 4.13 | 2.59 | 2.38 | 0.78 | 3.87 | 3.58 | 2.94 |
| Cash Ratio | 1.83 | 1.83 | 4.01 | 2.84 | 1.84 | 1.15 | 1.17 | 0.22 | 1.09 | 0.83 | 1.27 |
| Asset Turnover | — | 0.45 | 0.48 | 0.40 | 0.58 | 0.59 | 0.89 | 0.79 | 1.55 | 0.68 | 0.60 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Yiren Digital Ltd. returns 12.1% to shareholders annually — split between a 10.5% dividend yield and 1.6% buyback yield. The payout ratio of 7.7% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 100.0% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 10.5% | 58.3% | — | — | — | — | — | 21.3% | 44.5% | — | — |
| Payout Ratio | 7.7% | 7.7% | — | — | — | — | — | 6.7% | — | — | — |
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 100.0% | 754.6% | 1492.3% | 1989.8% | 846.9% | — | 446.5% | 193.1% | 100.9% | 181.2% | 115.8% |
| FCF Yield | 30.6% | 674.9% | 1554.5% | 3163.9% | 122.0% | 178.2% | 87.4% | — | — | 338.2% | 355.3% |
| Buyback Yield | 1.6% | 36.1% | 34.5% | 6.6% | 2.3% | 2.0% | 14.2% | 0.1% | 0.0% | 0.0% | 0.0% |
| Total Shareholder Yield | 12.1% | 94.4% | 34.5% | 6.6% | 2.3% | 2.0% | 14.2% | 21.4% | 44.5% | 0.0% | 0.0% |
| Shares Outstanding | — | $44M | $45M | $43M | $43M | $45M | $47M | $47M | $31M | $30M | $25M |
Compare YRD with 8 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
| YRDYou | $673M | 0.7 | 0.5 | 3.3 | 84.8% | 28.4% | 18.0% | 14.0% | 0.0 |
| KKRS | $16B | 3.3 | 1.0 | 2.4 | 80.2% | 74.2% | 27.6% | 28.7% | — |
| CGABL | $6B | 6.4 | 3.3 | 6.3 | 50.1% | 25.2% | 15.2% | 15.3% | — |
| UPST | $3B | 60.5 | 47.3 | — | — | 4.1% | 7.5% | 2.2% | — |
| AGM | $1B | 9.5 | — | 18.4 | — | — | 11.4% | — | — |
| NRDS | $344M | 17.0 | 3.8 | 2.6 | 92.4% | 7.8% | 13.2% | 13.1% | — |
| PT | $48M | -0.2 | — | — | 63.5% | -40.1% | — | — | — |
| SNTG | $5M | -2.7 | — | — | 92.5% | -1615.2% | -17.9% | -11.3% | — |
| FOA | $232 | 16.4 | 350.7 | — | 13.9% | 2.2% | 5.3% | 0.1% | 351.3 |
| Financial Services Median | — | 13.8 | 11.1 | 11.2 | 60.2% | 21.9% | 9.1% | 5.4% | 4.1 |
Peers based on L4 peer group classification. Compare multiple stocks →
Includes 30+ ratios · 12 years · Updated daily
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Start ComparisonYiren Digital Ltd.'s current P/E ratio is 0.7x. The historical average is 0.4x. This places it at the 78th percentile of its historical range.
Yiren Digital Ltd.'s current EV/EBITDA is 0.5x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA.
Yiren Digital Ltd.'s return on equity (ROE) is 18.0%. The historical average is 6.4%.
Based on historical data, Yiren Digital Ltd. is trading at a P/E of 0.7x. This is at the 78th 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 10.47% with a payout ratio of 7.7%.
Yiren Digital Ltd. has 84.8% gross margin and 28.4% 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.