Yiren Digital Ltd. (YRD) Financial Ratios
13 years of historical data (2013–2025) · Financial Services · Financial - Credit Services
EV/EBITDA
↓
-1.46
—
5yr avg: N/A
30Y Low0.2·High4.9
P/FCF
↓
1.00
↑+111% vs avg
5yr avg: 0.47
30Y Low0.1·High2.3
P/B Ratio
↓
0.04
+11% vs avg
5yr avg: 0.03
30Y Low0.0·High0.9
ROE
↓
0.4%
↑-98% vs avg
5yr avg: 18.8%
30Y Low-264%·High121%
Debt/EBITDA
↓
0.02
↓-93% vs avg
5yr avg: 0.28
30Y Low0.0·High2.1
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
YRD Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Yiren Digital Ltd. trades at 8.7x earnings, 793% above its 5-year average of 1.0x, sitting at the 100th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a discount of 36%. On a free-cash-flow basis, the stock trades at 1.0x P/FCF, 111% above the 5-year average of 0.5x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $100M | $162M | $419M | $279M | $117M | $244M | $301M | $518M | $1.0B | $2.7B | $1.2B |
| Enterprise Value | $-465660495 | $-3671932261 | $-3381210200 | $-5488931221 | $-3351915710 | $-1519898008 | $-1586450830 | $-2379526087 | $-1413315977 | $861M | $264M |
| P/E Ratio → | 8.66 | 4.11 | 0.27 | 0.13 | 0.10 | 0.24 | — | 0.45 | 1.04 | 1.98 | 1.10 |
| P/S Ratio | 0.12 | 0.03 | 0.07 | 0.06 | 0.03 | 0.05 | 0.08 | 0.06 | 0.09 | 0.23 | 0.38 |
| P/B Ratio | 0.04 | 0.02 | 0.04 | 0.03 | 0.02 | 0.05 | 0.08 | 0.12 | — | 0.92 | 0.58 |
| P/FCF | 1.00 | 0.24 | 0.30 | 0.13 | 0.06 | 1.64 | 1.12 | 2.29 | — | — | 0.59 |
| P/OCF | 0.96 | 0.23 | 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
YRD EV Ratios
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 | — | -0.66 | -0.58 | -1.12 | -0.98 | -0.34 | -0.40 | -0.28 | -0.13 | 0.07 | 0.08 |
| EV / EBITDA | -1.46 | -1.70 | -2.02 | -2.11 | -2.20 | -1.14 | -5.72 | -1.56 | -1.53 | 4.88 | 0.24 |
| EV / EBIT | -1.47 | — | -2.05 | -2.12 | -2.28 | -1.18 | — | -2.11 | -1.82 | 24.37 | 0.24 |
| EV / FCF | — | -5.42 | -2.39 | -2.53 | -1.81 | -10.22 | -5.91 | -10.52 | — | — | 0.13 |
YRD Profitability
Margins and return-on-capital ratios measuring operating efficiency
Yiren Digital Ltd. earns an operating margin of 38.5%, significantly above the Financial Services sector average of 20.3%. Operating margins have compressed from 53.0% to 38.5% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 0.4% is modest, trailing the sector median of 9.0%. ROIC of 17.0% represents solid returns on invested capital versus a sector median of 5.5%.
Margins
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% |
Return on Capital
| 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 | 17.6% | 17.6% | 16.7% | 32.7% | 22.3% | 24.0% | -0.9% | 23.7% | 18.5% | 0.7% | 42.3% |
YRD Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Yiren Digital Ltd. carries a Debt/EBITDA ratio of 0.0x, which is very conservative (100% below the sector average of 4.3x). The company holds a net cash position — cash of $3.9B exceeds total debt of $40M, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.00 | 0.00 | 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 | — | -0.41 | -0.40 | -0.71 | -0.58 | -0.37 | -0.50 | -0.65 | — | -0.63 | -0.45 |
| Net Debt / EBITDA | -1.78 | -1.78 | -2.27 | -2.22 | -2.28 | -1.33 | -6.80 | -1.90 | -2.61 | -10.54 | -0.88 |
| Debt / FCF | — | -5.66 | -2.69 | -2.66 | -1.88 | -11.85 | -7.04 | -12.81 | — | — | -0.46 |
| Interest Coverage | — | — | — | — | — | 20.89 | — | — | — | — | — |
Net cash position: cash ($3.9B) exceeds total debt ($40M)
YRD Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
Yiren Digital Ltd.'s current ratio of 323.65x 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 6.30x to 323.65x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 323.65 | 323.65 | 5.61 | 6.30 | 5.11 | 4.13 | 2.59 | 2.38 | 0.78 | 3.87 | 3.58 |
| Quick Ratio | 323.65 | 323.65 | 5.61 | 6.30 | 5.11 | 4.13 | 2.59 | 2.38 | 0.78 | 3.87 | 3.58 |
| Cash Ratio | 131.62 | 131.62 | 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 | — | — | — | — | — | — | — | — | — | — | — |
YRD Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Yiren Digital Ltd. returns 80.3% to shareholders annually — split between a 80.2% dividend yield and 0.0% buyback yield. The payout ratio exceeds 100% at 692.9%, meaning the company is paying out more than it earns — this level is unsustainable long-term without earnings recovery. The earnings yield of 11.5% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
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 | 80.2% | 100.0% | 29.2% | — | — | — | — | — | 10.6% | 22.3% | — |
| Payout Ratio | 692.9% | 692.9% | 7.7% | — | — | — | — | — | 6.7% | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 11.5% | 24.3% | 377.3% | 746.2% | 994.9% | 423.4% | — | 223.2% | 96.6% | 50.5% | 90.6% |
| FCF Yield | 100.0% | 419.5% | 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 | 80.3% | 100.0% | 47.2% | 17.3% | 3.3% | 1.1% | 1.0% | 7.1% | 10.7% | 22.3% | 0.0% |
| Shares Outstanding | — | $44M | $87M | $89M | $85M | $85M | $90M | $93M | $93M | $62M | $59M |
Peer Comparison
Compare YRD with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 YRDYou | $100M | 8.7 | -1.5 | 1.0 | 85.8% | 38.5% | 0.4% | 17.0% | 0.0 |
 QFIN | $2B | 1.2 | 1.7 | 1.2 | 81.5% | 33.9% | 24.0% | 17.7% | 0.5 |
 FINV | $1B | 3.4 | 1.0 | 4.5 | 78.6% | 21.8% | 15.3% | 12.8% | 0.4 |
 LX | $337M | 1.5 | 1.4 | 0.7 | 72.3% | 17.7% | 14.4% | 10.4% | 2.0 |
 JFIN | $209M | 6.5 | 7.9 | 2.3 | 77.9% | 28.9% | 5.7% | 4.9% | 2.7 |
 NTES | $77B | 15.7 | 12.6 | 10.9 | 64.3% | 31.8% | 21.9% | 24.0% | 0.2 |
 KC | $3B | -20.7 | 10.5 | — | 15.7% | -5.5% | -12.6% | -4.5% | 3.3 |
 BABA | $250B | 16.5 | 16.7 | — | 39.8% | 5.8% | 9.4% | 3.8% | 2.4 |
 JD | $38B | 14.5 | 18.6 | 53.3 | 9.3% | 0.2% | 6.5% | 0.8% | 9.3 |
 TCOM | $28B | 6.6 | 11.0 | 14.2 | 80.6% | 25.3% | 20.5% | 7.9% | 1.9 |
 TIGR | $873M | 5.1 | -10.7 | 0.7 | 93.2% | 46.0% | 22.4% | 22.5% | 0.6 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 13 years · Updated daily
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YRD — Frequently Asked Questions
Quick answers to the most common questions about buying YRD stock.
What is Yiren Digital Ltd.'s P/E ratio?
Yiren Digital Ltd.'s current P/E ratio is 8.7x. The historical average is 1.1x. This places it at the 100th percentile of its historical range.
What is Yiren Digital Ltd.'s EV/EBITDA?
Yiren Digital Ltd.'s current EV/EBITDA is -1.5x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 2.6x.
What is Yiren Digital Ltd.'s ROE?
Yiren Digital Ltd.'s return on equity (ROE) is 0.4%. The historical average is 6.0%.
Is YRD stock overvalued?
Based on historical data, Yiren Digital Ltd. is trading at a P/E of 8.7x. This is at the 100th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Yiren Digital Ltd.'s dividend yield?
Yiren Digital Ltd.'s current dividend yield is 80.25% with a payout ratio of 692.9%.
What are Yiren Digital Ltd.'s profit margins?
Yiren Digital Ltd. has 85.8% gross margin and 38.5% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Yiren Digital Ltd. have?
Yiren Digital Ltd.'s Debt/EBITDA ratio is 0.0x, indicating low leverage. A ratio below 2x is generally considered financially healthy.