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19YA

Yiren Digital DB:19YA Stock Report

Last Price

US$1.76

Market Cap

US$148.5m

7D

1.1%

1Y

-38.9%

Updated

15 May, 2022

Data

Company Financials +
19YA fundamental analysis
Snowflake Score
Valuation6/6
Future Growth4/6
Past Performance0/6
Financial Health4/6
Dividends0/6

19YA Stock Overview

Yiren Digital Ltd., through its subsidiaries, operates as an online consumer finance marketplace that connects borrowers and investors in the People’s Republic of China.

Yiren Digital Competitors

Price History & Performance

Summary of all time highs, changes and price drops for Yiren Digital
Historical stock prices
Current Share PriceUS$1.76
52 Week HighUS$5.40
52 Week LowUS$1.52
Beta0.62
1 Month Change-12.00%
3 Month Change-29.60%
1 Year Change-38.89%
3 Year Change-87.69%
5 Year Change-91.68%
Change since IPO-73.49%

Recent News & Updates

Shareholder Returns

19YADE Consumer FinanceDE Market
7D1.1%-9.1%1.2%
1Y-38.9%-31.0%-12.2%

Return vs Industry: 19YA underperformed the German Consumer Finance industry which returned -31% over the past year.

Return vs Market: 19YA underperformed the German Market which returned -12.2% over the past year.

Price Volatility

Is 19YA's price volatile compared to industry and market?
19YA volatility
19YA Average Weekly Movement11.4%
Consumer Finance Industry Average Movement6.7%
Market Average Movement6.4%
10% most volatile stocks in DE Market10.7%
10% least volatile stocks in DE Market3.5%

Stable Share Price: 19YA is more volatile than 90% of German stocks over the past 3 months, typically moving +/- 11% a week.

Volatility Over Time: 19YA's weekly volatility (11%) has been stable over the past year, but is still higher than 75% of German stocks.

About the Company

FoundedEmployeesCEOWebsite
201213,728Ning Tanghttps://www.yirendai.com

Yiren Digital Ltd., through its subsidiaries, operates as an online consumer finance marketplace that connects borrowers and investors in the People’s Republic of China. It provides loan facilitation services; and post-origination services, such as cash processing, collection, and SMS services. The company’s loan products portfolio includes unsecured consumer loans; secured consumer loan, which include secured financial leasing, auto-secured, and property-secured loans; and small business loans.

Yiren Digital Fundamentals Summary

How do Yiren Digital's earnings and revenue compare to its market cap?
19YA fundamental statistics
Market CapCN¥1.05b
Earnings (TTM)CN¥142.61m
Revenue (TTM)CN¥4.62b

7.4x

P/E Ratio

0.2x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
19YA income statement (TTM)
RevenueCN¥4.62b
Cost of RevenueCN¥1.14b
Gross ProfitCN¥3.48b
Other ExpensesCN¥3.33b
EarningsCN¥142.61m

Last Reported Earnings

Sep 30, 2021

Next Earnings Date

n/a

Earnings per share (EPS)1.70
Gross Margin75.29%
Net Profit Margin3.09%
Debt/Equity Ratio23.1%

How did 19YA perform over the long term?

See historical performance and comparison

Valuation

Is Yiren Digital undervalued compared to its fair value and its price relative to the market?

Valuation Score

6/6

Valuation Score 6/6

  • Below Fair Value

  • Significantly Below Fair Value

  • PE vs Industry

  • PE vs Market

  • PEG Ratio

  • PB vs Industry


>50%

Undervalued compared to fair value

Share Price vs. Fair Value

Below Fair Value: 19YA (€1.76) is trading below our estimate of fair value (€26.71)

Significantly Below Fair Value: 19YA is trading below fair value by more than 20%.


Price To Earnings Ratio

PE vs Industry: 19YA is good value based on its PE Ratio (7.4x) compared to the European Consumer Finance industry average (10.8x).

PE vs Market: 19YA is good value based on its PE Ratio (7.4x) compared to the German market (17.3x).


Price to Earnings Growth Ratio

PEG Ratio: 19YA is good value based on its PEG Ratio (0.2x)


Price to Book Ratio

PB vs Industry: 19YA is good value based on its PB Ratio (0.2x) compared to the XE Consumer Finance industry average (1.1x).


Future Growth

How is Yiren Digital forecast to perform in the next 1 to 3 years based on estimates from 2 analysts?

Future Growth Score

4/6

Future Growth Score 4/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


37.9%

Forecasted annual earnings growth

Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: 19YA's forecast earnings growth (37.9% per year) is above the savings rate (-0.05%).

Earnings vs Market: 19YA's earnings (37.9% per year) are forecast to grow faster than the German market (7.9% per year).

High Growth Earnings: earnings are expected to grow significantly over the next 3 years.

Revenue vs Market: 19YA's revenue (5.4% per year) is forecast to grow faster than the German market (4.9% per year).

High Growth Revenue: 19YA's revenue (5.4% per year) is forecast to grow slower than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: 19YA's Return on Equity is forecast to be low in 3 years time (15.3%).


Past Performance

How has Yiren Digital performed over the past 5 years?

Past Performance Score

0/6

Past Performance Score 0/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


-29.4%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: 19YA has a large one-off loss of CN¥655.8M impacting its September 30 2021 financial results.

Growing Profit Margin: 19YA's current net profit margins (3.1%) are lower than last year (5.2%).


Past Earnings Growth Analysis

Earnings Trend: 19YA's earnings have declined by 29.4% per year over the past 5 years.

Accelerating Growth: 19YA's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: 19YA had negative earnings growth (-47.3%) over the past year, making it difficult to compare to the Consumer Finance industry average (25.8%).


Return on Equity

High ROE: 19YA's Return on Equity (3.2%) is considered low.


Financial Health

How is Yiren Digital's financial position?

Financial Health Score

4/6

Financial Health Score 4/6

  • Short Term Liabilities

  • Long Term Liabilities

  • Debt Level

  • Reducing Debt

  • Debt Coverage

  • Interest Coverage

Financial Position Analysis

Short Term Liabilities: 19YA's short term assets (CN¥7.0B) exceed its short term liabilities (CN¥1.8B).

Long Term Liabilities: 19YA's short term assets (CN¥7.0B) exceed its long term liabilities (CN¥1.3B).


Debt to Equity History and Analysis

Debt Level: 19YA has more cash than its total debt.

Reducing Debt: Insufficient data to determine if 19YA's debt to equity ratio has reduced over the past 5 years.

Debt Coverage: 19YA's operating cash flow is negative, therefore debt is not well covered.

Interest Coverage: 19YA's interest payments on its debt are well covered by EBIT (22.4x coverage).


Balance Sheet


Dividend

What is Yiren Digital current dividend yield, its reliability and sustainability?

Dividend Score

0/6

Dividend Score 0/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage

Dividend Yield vs Market

Notable Dividend: Unable to evaluate 19YA's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate 19YA's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if 19YA's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if 19YA's dividend payments have been increasing.


Earnings Payout to Shareholders

Earnings Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Cash Payout to Shareholders

Cash Flow Coverage: Unable to calculate sustainability of dividends as 19YA has not reported any payouts.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

1.7yrs

Average management tenure


CEO

Ning Tang (47 yo)

2.83yrs

Tenure

Mr. Ning Tang is Founder of CreditEase Holdings (Cayman) Limited and serves as Chief Executive Officer. Mr. Tang founded Creditease Corp. in 2006 and serves as its Chief Executive Officer. In 1997, he went...


Leadership Team

Experienced Management: 19YA's management team is not considered experienced ( 1.7 years average tenure), which suggests a new team.


Board Members

Experienced Board: 19YA's board of directors are considered experienced (6.4 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Yiren Digital Ltd.'s employee growth, exchange listings and data sources


Key Information

  • Name: Yiren Digital Ltd.
  • Ticker: 19YA
  • Exchange: DB
  • Founded: 2012
  • Industry: Consumer Finance
  • Sector: Diversified Financials
  • Implied Market Cap: US$154.531m
  • Listing Market Cap: US$148.458m
  • Shares outstanding: 83.98m
  • Website: https://www.yirendai.com

Number of Employees


Location

  • Yiren Digital Ltd.
  • Building 9
  • 10th Floor
  • Beijing
  • 100022
  • China

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/05/15 00:00
End of Day Share Price2022/05/13 00:00
Earnings2021/09/30
Annual Earnings2020/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.