Yiren Digital Ltd.

NYSE:YRD Stock Report

Market Cap: US$433.8m

Yiren Digital Balance Sheet Health

Financial Health criteria checks 6/6

Yiren Digital has a total shareholder equity of CN¥9.3B and total debt of CN¥0.0, which brings its debt-to-equity ratio to 0%. Its total assets and total liabilities are CN¥12.5B and CN¥3.2B respectively. Yiren Digital's EBIT is CN¥2.6B making its interest coverage ratio -25.2. It has cash and short-term investments of CN¥3.8B.

Key information

0%

Debt to equity ratio

CN¥0

Debt

Interest coverage ratio-25.2x
CashCN¥3.77b
EquityCN¥9.28b
Total liabilitiesCN¥3.17b
Total assetsCN¥12.46b

Recent financial health updates

Recent updates

Yiren Digital: The Pros Outweigh The Cons

Dec 20

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

Oct 01
Yiren Digital Ltd. (NYSE:YRD) Held Back By Insufficient Growth Even After Shares Climb 26%

Yiren Digital: Dividend Policy And Financial Guidance Draw Attention

Sep 27

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

Jun 24

Yiren Digital: Spotlight On Capital Return And Corporate Actions

Dec 11

Yiren Digital Eyes Further International Expansion In Turnaround

Sep 01

Yiren Digital: More Downsides Ahead

Dec 16

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

Sep 06

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

Aug 30

Yiren Digital: The Storm Has Passed

Nov 08

Yiren Digital: A Breakthrough Quarter For An Emerging Chinese Fintech Leader

Jun 17

Yiren Digital reports Q1 results

Jun 09

What Type Of Returns Would Yiren Digital's(NYSE:YRD) Shareholders Have Earned If They Purchased Their SharesThree Years Ago?

Mar 16
What Type Of Returns Would Yiren Digital's(NYSE:YRD) Shareholders Have Earned If They Purchased Their SharesThree Years Ago?

A Look At Yiren Digital's (NYSE:YRD) Share Price Returns

Dec 01
A Look At Yiren Digital's (NYSE:YRD) Share Price Returns

Yiren Digital reports Q3 results

Nov 27

Financial Position Analysis

Short Term Liabilities: YRD's short term assets (CN¥12.0B) exceed its short term liabilities (CN¥1.8B).

Long Term Liabilities: YRD's short term assets (CN¥12.0B) exceed its long term liabilities (CN¥1.4B).

Debt to Equity History and Analysis

Debt Level: YRD is debt free.

Reducing Debt: YRD had no debt 5 years ago.

Debt Coverage: YRD has no debt, therefore it does not need to be covered by operating cash flow.

Interest Coverage: YRD has no debt, therefore coverage of interest payments is not a concern.

Balance Sheet

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/01/08 23:01
End of Day Share Price 2025/01/08 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