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Yiren Digital Ltd.NYSE:YRD Voorraadrapport

Marktkapitalisatie US$106.7m
Prijs aandeel
US$1.20
US$43.06
97.2% ondergewaardeerd intrinsieke korting
1Y-83.8%
7D-10.4%
1D
Portefeuillewaarde
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Yiren Digital Ltd.

NYSE:YRD Voorraadrapport

Marktkapitalisatie: US$106.7m

Yiren Digital (YRD) Aandelenoverzicht

Yiren Digital Ltd. levert financiële diensten via een AI-gestuurd Fintech-platform in China. Meer informatie

Beloningen

Verhandeld tegen 97.2% onder onze schatting van de reële waarde

Risicoanalyse

Volatiele aandelenkoers in de afgelopen 3 maanden vergeleken met de US markt

Winstmarges (1%) zijn lager dan vorig jaar (27.3%)


YRD Community Fair Values

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Yiren Digital Ltd. Concurrenten

Prijsgeschiedenis en prestaties

Overzicht van hoogtepunten, dieptepunten en veranderingen in de aandelenkoersen voor Yiren Digital
Historische aandelenkoersen
Huidige aandelenkoersUS$1.20
52 Week HoogtepuntUS$7.68
52 Week LaagUS$1.20
Bèta1.06
1 maand verandering-40.00%
3 maanden verandering-67.74%
1 Jaar Verandering-83.85%
3 jaar verandering-54.37%
5 jaar verandering-76.83%
Verandering sinds IPO-86.81%

Recent nieuws en updates

Recent updates

Seeking Alpha • Dec 09

Yiren Digital: Worth A Look Even Though Headwinds Have Taken Over

Summary Regulatory headwinds are affecting YRD, especially when it comes to earnings, but there is reason for optimism nonetheless. Valuations for YRD price in a major decrease in earnings, but it does not have to get to that point since a recovery may come as soon as next year. The charts suggest now could be a good time for long YRD after the big selloff recently and the stock close to what could be solid support. Valuations, dividends, charts and a possible earnings recovery support the bull case, which is why I am bullish on YRD with a buy rating. Read the full article on Seeking Alpha
Analyseartikel • Aug 27

Yiren Digital (NYSE:YRD) Will Pay A Larger Dividend Than Last Year At CN¥0.22

Yiren Digital Ltd. ( NYSE:YRD ) has announced that it will be increasing its dividend from last year's comparable...
Seeking Alpha • Apr 15

Yiren Digital: Selloff Presents An Opportunity

Summary YRD has sold off in recent weeks for several reasons after reaching a new high in March, but it also means getting in on YRD is more affordable. The charts suggest the stock bounced after coming into contact with support, which strengthens the case for long YRD. A possible rebound in the stock would match up well with the low valuations for YRD, on top of other attributes investors are usually interested in. Trade tensions could continue to weigh on YRD with no resolution in sight, but long YRD is still the way to go. Read the full article on Seeking Alpha
Analyseartikel • Mar 06

Yiren Digital Ltd. (NYSE:YRD) Stock Rockets 29% But Many Are Still Ignoring The Company

Despite an already strong run, Yiren Digital Ltd. ( NYSE:YRD ) shares have been powering on, with a gain of 29% in the...
Seeking Alpha • Dec 20

Yiren Digital: The Pros Outweigh The Cons

Summary The stock has traded flat for months and YRD is available at very low multiples, which may raise the question as to why this is so. The relatively low valuation assigned to YRD becomes easier to understand once one looks into the business of YRD and the country it primarily operates in. YRD is weighed down by concerns about China and its economy, but it also means there may be an opportunity if concerns do not turn into reality. If we assume the situation in China does not deteriorate and the temporary headwinds pass, then long YRD has a lot going for it. Read the full article on Seeking Alpha
Analyseartikel • Oct 01

Yiren Digital Ltd. (NYSE:YRD) Held Back By Insufficient Growth Even After Shares Climb 26%

Yiren Digital Ltd. ( NYSE:YRD ) shareholders have had their patience rewarded with a 26% share price jump in the last...
Seeking Alpha • Sep 27

Yiren Digital: Dividend Policy And Financial Guidance Draw Attention

Summary Yiren Digital declared a semi-annual dividend for the first time in five years as part of its new dividend policy. YRD anticipates that it can sustain a low-teens percentage top-line expansion for its upcoming quarterly results. I retain a Buy rating for Yiren Digital after analyzing the stock's future shareholder capital return and the company's financial outlook. Read the full article on Seeking Alpha
Seeking Alpha • Jun 24

Yiren Digital: Now A Buy With Strong Results And New Catalyst (Rating Upgrade)

Summary YRD's Q1 2024 results were good, as the company's pace of revenue and EBITDA growth for the recent quarter was faster than that for Q4 2023. Yiren Digital's prior dividend payout happened in 2018, and a potential re-initiation of dividends will most probably be a major catalyst. I have become bullish on YRD, considering its solid first quarter performance and the presence of a potential re-rating catalyst. Read the full article on Seeking Alpha
Seeking Alpha • Dec 11

Yiren Digital: Spotlight On Capital Return And Corporate Actions

Summary Yiren Digital's stock price is now 70% below its IPO price, and its current valuations are depressed. The stock has staged a decent recovery in the past year, but there is a lack of new catalysts to push up YRD's share price further. The initiation of dividends or potential privatization is unlikely, as the company prioritizes growth and staying listed. Read the full article on Seeking Alpha
Seeking Alpha • Sep 01

Yiren Digital Eyes Further International Expansion In Turnaround

Summary Yiren Digital Ltd. reported a 65% YoY revenue growth in Q2 2023, indicating a continued turnaround from the previous year's decline. The company offers credit services and wealth management products to consumers and small businesses in China. Yiren Digital has a significant cash position and may need to consider implementing a dividend policy in the future. I'm Neutral [Hold] on Yiren Digital Ltd. and the stock is worth putting on a watch list for future consideration. Read the full article on Seeking Alpha
Seeking Alpha • Dec 16

Yiren Digital: More Downsides Ahead

Summary Yiren Digital Ltd. is a highly risky option in the financial services industry. Sales and earnings are declining worryingly. China's outlook for middle-class wealth, consumer and corporate credit looks bleak. The Financial Services Sector Rallied on Increased Confidence in The Banking System The financial stocks sector has rallied faster than the broader US stock market since October, and overall has been less affected by recession fears and the impact of the war in Ukraine on the global economy. In fact, the Financial Select Sector SPDR ETF (XLF) is down 13% over the past year, while the SPDR S&P 500 Trust ETF (SPY) fell by nearly 17%. Source: Seeking Alpha The better performance of the financial sector likely came as central banks raised interest rates to curb runaway inflation, leading traders to believe that financial firms will benefit from a normalization of monetary policy after several quarters of accommodative rates. This sentiment strengthened among traders after clear signs of a slowdown in the annual inflation growth rate from 8.2% in September to 7.7% in October. Now, traders seem to not only see the hawkish stance on interest rates as effective, increasing confidence in the work of the entire banking system, but also seem to see the current context as less uncertain for banks. Caution Is the Watchword in The Financial Services Sector, Especially with Stocks Like Yiren Digital Ltd As a result of effective monetary policy, it should now be easier for banks to classify loans according to their risk and anticipate losses on loans that may not fare well in 2023 and beyond if a recession hits, as economists predict. On the other hand, this situation could lead to an underestimation of the investment risk in the financial services sector. Investors should exercise great caution anyway. When even companies with strong balance sheets and good profitability need to be very careful in assessing future risks, it is easy to imagine the impact the current economic slowdown could have on less proactive financial stocks. One such vulnerable stock in the financial services sector could be Yiren Digital Ltd. (YRD). This is a Chinese credit services operator, whose revenue and earnings are on a sharp downtrend amid a gloomy Chinese outlook for securities investment and consumer and business credit. Yiren Digital Ltd in The Financial Services Sector Yiren Digital Ltd., based in Beijing, People's Republic of China, operates an online consumer finance marketplace that facilitates connections between borrowers and investors in mainland China. Essentially, around 58-60% of total revenue comes from credit technology solutions sold to businesses. While around 35-36% comes from comprehensive wealth management solutions offered to middle-class Chinese households. Sales and Earnings Are Declining Total revenue is down significantly on a 12-month and quarterly basis. The chart below illustrates the downward trend in 12-month total revenue over the past few quarters. Source: Seeking Alpha For the third quarter of 2022, total revenue was $118.2 million, down nearly 32% year over year. Source: Seeking Alpha Revenue from credit-tech solutions for businesses fell 45% year over year, driven by product optimization the company highlighted in its third-quarter 2022 earnings report. While revenue from the holistic wealth business segment declined nearly 13% as investment products saw a drop in sales volume. Within the holistic wealth business, the company expects the insurance intermediation sub-segment, which is enjoying positive momentum, to grow significantly in the current quarter as it is on track to become a key pillar of Yiren Digital Ltd.'s overall revenues. Regarding the credit technology business, the company says that this segment has higher operational efficiencies and lower borrowing costs after business optimization and expects strong lending volume growth in the current quarter. Company forecasts are optimistic, but the environment will not be favorable at all as the Chinese economy appears to be decelerating worryingly based on some very important economic indicators. The economic picture differs significantly from the scenario forecast by the company in the earnings report for the third quarter of 2022. Recent data on the Chinese economy is not good and the recent fall in the price of various commodities suggests markets are taking this information very seriously. China's economic slowdown is signaled by industrial production and retail sales data. Year-on-year, Chinese industrial production rose 2.2% in November 2022, significantly less than the 5% increase in October. This was the weakest growth in the past 7 months, partly due to China's zero tolerance for the COVID-19 virus and partly due to a downturn in the real estate sector. The sharp fall in industrial production could be a sign that companies are cutting back on investment, leading to lower demand for credit, and could also hurt consumption if accompanied by job cuts. Also, year-on-year, Chinese retail trade fell 5.9% in November 2022, deteriorating dramatically after posting a modest 0.5% decline in October. This was the second straight decline and the sharpest downtrend since May. This index suggests that Chinese consumption is falling sharply, which cannot be reflected in an improved outlook for consumer credit demand. The bottom line is also going down. Net income decreased to $38 million in Q3 2022 [down 84% year over year], Adjusted EBITDA decreased to $51.3 million [down 25% year over year] and net income per American Depositary Shares [ADS] decreased to $0.4 [down 33.3% year over year].
Seeking Alpha • Sep 06

Yiren Digital gains 2% on announcing $20M share repurchase program

Yiren Digital (NYSE:YRD) to repurchase up to $20M worth of its own American depositary shares ("ADSs") representing its ordinary shares. The share repurchase program previously adopted by the Company in 2018 has been simultaneously terminated. Shares up 2.65% premarket.
Seeking Alpha • Aug 30

Yiren Digital GAAP EPS of RMB3.90, revenue of RMB1.02M

Yiren Digital press release (NYSE:YRD): Q4 GAAP EPS of RMB3.90. Revenue of RMB1.02M (-12.1% Y/Y). Total net revenue in 2021 was RMB4,477.9 million (US$702.7 million), compared to RMB3,962.0 million in 2020. revenue from wealth management business in 2021 was RMB1,260.5 million (US$197.8 million), and revenue from credit business in 2021 was RMB3,184.3 million (US$499.7 million). Sales and marketing expenses in 2021 was RMB1,553.3 million (US$243.8 million), compared to RMB1,905.1 million in 2020. Net income in 2021 was RMB1,033.0 million (US$162.1 million), compared to a net loss of RMB692.7 million in 2020. Adjusted EBITDA (non-GAAP) in 2021 was RMB1,338.9 million (US$210.1 million), compared to a loss of RMB73.2 million in 2020. Adjusted EBITDA margin1 (non-GAAP) in 2021 was 29.9%, compared to a loss of 1.8% in 2020. Basic and diluted income per ADS in 2021 were RMB12.2 (US$1.9) and RMB12.1 (US$1.9) respectively, compared to a loss per ADS of RMB7.7 and a diluted loss per ADS of RMB7.7 in 2020. Net cash generated from operating activities in 2021 was RMB158.2 million (US$24.8 million), compared to net cash generated from operating activities of RMB282.0 million in 2020.

Rendement voor aandeelhouders

YRDUS Consumer FinanceUS Markt
7D-10.4%-2.4%-2.5%
1Y-83.8%0.2%22.7%

Rendement versus industrie: YRD presteerde slechter dan de US Consumer Finance -sector, die het afgelopen jaar een rendement van 0.2 % opleverde.

Rendement versus markt: YRD presteerde slechter dan US Market, dat het afgelopen jaar een rendement van 22.7 % opleverde.

Prijsvolatiliteit

Is YRD's price volatile compared to industry and market?
YRD volatility
YRD Average Weekly Movement15.4%
Consumer Finance Industry Average Movement6.6%
Market Average Movement7.2%
10% most volatile stocks in US Market16.6%
10% least volatile stocks in US Market3.1%

Stabiele aandelenkoers: De aandelenkoers van YRD is de afgelopen 3 maanden volatiel geweest in vergelijking met de US markt.

Volatiliteit in de loop van de tijd: De wekelijkse volatiliteit van YRD is het afgelopen jaar gestegen van 9% naar 15%.

Over het bedrijf

OpgerichtWerknemersCEOWebsite
2012981Ning Tangwww.yiren.com

Yiren Digital Ltd. levert financiële diensten via een AI-gestuurd Fintech-platform in China. Het platform biedt een reeks financiële en lifestyle-diensten. Het bedrijf biedt onder andere kredietoplossingen en verzekeringsmakelaardij aan.

Yiren Digital Ltd. Samenvatting

Hoe verhouden de winst en inkomsten van Yiren Digital zich tot de beurswaarde?
YRD fundamentele statistieken
MarktkapitalisatieUS$106.74m
Inkomsten(TTM)US$8.04m
Inkomsten(TTM)US$843.31m
13.1x
Koers/Winstverhouding
0.1x
P/S-verhouding

Is YRD overgewaardeerd?

Zie Reële waarde en waarderingsanalyse

Inkomsten en omzet

Belangrijkste winstgevendheidsstatistieken uit het laatste winstverslag (TTM)
YRD resultatenrekening (TTM)
InkomstenCN¥5.72b
Kosten van inkomstenCN¥786.39m
BrutowinstCN¥4.93b
Overige uitgavenCN¥4.88b
InkomstenCN¥54.53m

Laatst gerapporteerde inkomsten

Dec 31, 2025

Volgende inkomensdatum

n.v.t.

Winst per aandeel (EPS)0.62
Brutomarge86.25%
Nettowinstmarge0.95%
Schuld/Eigen Vermogen Verhouding0.1%

Hoe presteerde YRD op de lange termijn?

Bekijk historische prestaties en vergelijking

Bedrijfsanalyse en status van financiële gegevens

GegevensLaatst bijgewerkt (UTC-tijd)
Bedrijfsanalyse2026/06/08 00:30
Aandelenkoers aan het einde van de dag2026/06/08 00:00
Inkomsten2025/12/31
Jaarlijkse inkomsten2025/12/31

Gegevensbronnen

De gegevens die gebruikt zijn in onze bedrijfsanalyse zijn afkomstig van S&P Global Market Intelligence LLC. De volgende gegevens worden gebruikt in ons analysemodel om dit rapport te genereren. De gegevens zijn genormaliseerd, waardoor er een vertraging kan optreden voordat de bron beschikbaar is.

PakketGegevensTijdframeVoorbeeld Amerikaanse bron *
Financiële gegevens bedrijf10 jaar
  • Resultatenrekening
  • Kasstroomoverzicht
  • Balans
Consensus schattingen analisten+3 jaar
  • Financiële prognoses
  • Koersdoelen analisten
Marktprijzen30 jaar
  • Aandelenprijzen
  • Dividenden, splitsingen en acties
Eigendom10 jaar
  • Top aandeelhouders
  • Handel met voorkennis
Beheer10 jaar
  • Leiderschapsteam
  • Raad van bestuur
Belangrijkste ontwikkelingen10 jaar
  • Bedrijfsaankondigingen

* Voorbeeld voor effecten uit de VS, voor niet-Amerikaanse effecten worden gelijkwaardige formulieren en bronnen gebruikt.

Tenzij anders vermeld zijn alle financiële gegevens gebaseerd op een jaarperiode, maar worden ze elk kwartaal bijgewerkt. Dit staat bekend als Trailing Twelve Month (TTM) of Last Twelve Month (LTM) gegevens. Meer informatie.

Analysemodel en Snowflake

Details van het analysemodel dat is gebruikt om dit rapport te genereren zijn beschikbaar op onze Github-pagina. We hebben ook handleidingen over hoe je onze rapporten kunt gebruiken en tutorials op YouTube.

Leer meer over het team van wereldklasse dat het Simply Wall St-analysemodel heeft ontworpen en gebouwd.

Industrie en sector

Onze industrie- en sectormetrics worden elke 6 uur berekend door Simply Wall St, details van ons proces zijn beschikbaar op Github.

Bronnen van analisten

Yiren Digital Ltd. wordt gevolgd door 8 analisten. 0 van deze analisten hebben de schattingen van de omzet of winst ingediend die zijn gebruikt als input voor ons rapport. Inzendingen van analisten worden de hele dag door bijgewerkt.

AnalistInstelling
Zeyu YaoChina International Capital Corporation Limited
Diying JiChina Renaissance Securities
Yun-Yin WangDBS Bank Ltd