Yiren Digital Ltd.

BMV:YRD N Stock Report

Market Cap: Mex$8.2b

Yiren Digital Past Earnings Performance

Past criteria checks 2/6

Yiren Digital has been growing earnings at an average annual rate of 29.8%, while the Consumer Finance industry saw earnings growing at 12.6% annually. Revenues have been declining at an average rate of 9.7% per year. Yiren Digital's return on equity is 19.6%, and it has net margins of 32.4%.

Key information

29.8%

Earnings growth rate

30.8%

EPS growth rate

Consumer Finance Industry Growth9.8%
Revenue growth rate-9.7%
Return on equity19.6%
Net Margin32.4%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Yiren Digital makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

BMV:YRD N Revenue, expenses and earnings (CNY Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 245,6281,8221,834295
30 Jun 245,4602,0211,646183
31 Mar 245,2872,1391,430160
31 Dec 234,8962,0801,176149
30 Sep 234,7091,9941,004134
30 Jun 234,2391,7101,0760
31 Mar 233,7161,437918181
31 Dec 223,4351,1951,034152
30 Sep 223,3671,0401,298119
30 Jun 223,7591,0911,7660
31 Mar 224,0831,0372,0880
31 Dec 214,4781,0332,222208
30 Sep 214,6181432,4330
30 Jun 214,409-982,4700
31 Mar 214,038-5312,6610
31 Dec 203,962-6932,9070
30 Sep 205,1652714,1080
30 Jun 206,1984195,1110
31 Mar 207,6608066,1460
31 Dec 198,6171,1566,8240
30 Sep 198,5581,7386,5230
30 Jun 193,0667611,0040
31 Mar 199,4601,4137,8860
31 Dec 1811,2441,5808,9870
30 Sep 1810,7641,0438,7010
30 Jun 186,5681,2354,4110
31 Mar 188,2861,5575,5130
31 Dec 1711,535-18810,3290
30 Sep 174,7901,3032,9210
30 Jun 174,1521,3442,5160
31 Mar 173,7031,3362,2280
31 Dec 163,2381,1161,8920
30 Sep 162,6188201,6430
30 Jun 162,1895761,2960
31 Mar 161,6783799920
31 Dec 151,3142758170
30 Sep 159812335990
30 Jun 156561354360
31 Mar 15369233070
31 Dec 14197-282020
31 Dec 1319-51620

Quality Earnings: YRD N has high quality earnings.

Growing Profit Margin: YRD N's current net profit margins (32.4%) are lower than last year (42.3%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: YRD N's earnings have grown significantly by 29.8% per year over the past 5 years.

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

Earnings vs Industry: YRD N had negative earnings growth (-8.6%) over the past year, making it difficult to compare to the Consumer Finance industry average (9.8%).

Return on Equity

High ROE: YRD N's Return on Equity (19.6%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/22 07:28
End of Day Share Price 2024/11/29 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Yiren Digital Ltd. is covered by 12 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Tianli WenBlue Lotus Research Institute
Munyoung ChaBNP Paribas Securities (Asia)
Zeyu YaoChina International Capital Corporation Limited