Yiren Digital Ltd. (FRA:19YA)

Yiren Digital Statistics

Total Valuation

Yiren Digital has a market cap or net worth of EUR 303.08 million. The enterprise value is -157.38 million.

Market Cap	303.08M
Enterprise Value	-157.38M

Important Dates

The next estimated earnings date is Thursday, March 19, 2026.

Earnings Date	Mar 19, 2026
Ex-Dividend Date	Sep 30, 2025

Share Statistics

Current Share Class	n/a
Shares Outstanding	n/a
Shares Change (YoY)	-1.11%
Shares Change (QoQ)	+0.60%
Owned by Insiders (%)	n/a
Owned by Institutions (%)	n/a
Float	14.57M

Valuation Ratios

The trailing PE ratio is 2.02.

PE Ratio	2.02
Forward PE	n/a
PS Ratio	0.41
PB Ratio	0.24
P/TBV Ratio	0.24
P/FCF Ratio	2.03
P/OCF Ratio	2.01
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	-1.05
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	-1.05

Financial Position

The company has a current ratio of 8.18, with a Debt / Equity ratio of 0.01.

Current Ratio	8.18
Quick Ratio	5.75
Debt / Equity	0.01
Debt / EBITDA	0.02
Debt / FCF	0.04
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 12.78% and return on invested capital (ROIC) is 16.87%.

Return on Equity (ROE)	12.78%
Return on Assets (ROA)	11.90%
Return on Invested Capital (ROIC)	16.87%
Return on Capital Employed (ROCE)	19.40%
Revenue Per Employee	783,883
Profits Per Employee	158,211
Employee Count	949
Asset Turnover	0.45
Inventory Turnover	n/a

Taxes

In the past 12 months, Yiren Digital has paid 18.79 million in taxes.

Income Tax	18.79M
Effective Tax Rate	11.12%

Stock Price Statistics

The stock price has decreased by -29.29% in the last 52 weeks.

Beta (5Y)	n/a
52-Week Price Change	-29.29%
50-Day Moving Average	3.93
200-Day Moving Average	4.94
Relative Strength Index (RSI)	48.63
Average Volume (20 Days)	n/a

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	0.49

Income Statement

In the last 12 months, Yiren Digital had revenue of EUR 743.90 million and earned 150.14 million in profits. Earnings per share was 1.73.

Revenue	743.90M
Gross Profit	656.18M
Operating Income	318.16M
Pretax Income	168.94M
Net Income	150.14M
EBITDA	319.45M
EBIT	318.16M
Earnings Per Share (EPS)	1.73

Balance Sheet

The company has 462.70 million in cash and 6.21 million in debt, with a net cash position of 456.49 million.

Cash & Cash Equivalents	462.70M
Total Debt	6.21M
Net Cash	456.49M
Net Cash Per Share	n/a
Equity (Book Value)	1.24B
Book Value Per Share	14.22
Working Capital	1.50B

Cash Flow

In the last 12 months, operating cash flow was 150.54 million and capital expenditures -1.10 million, giving a free cash flow of 149.44 million.

Operating Cash Flow	150.54M
Capital Expenditures	-1.10M
Free Cash Flow	149.44M
FCF Per Share	n/a

Margins

Gross margin is 88.21%, with operating and profit margins of 42.77% and 20.18%.

Gross Margin	88.21%
Operating Margin	42.77%
Pretax Margin	22.71%
Profit Margin	20.18%
EBITDA Margin	42.94%
EBIT Margin	42.77%
FCF Margin	20.09%

Dividends & Yields

This stock pays an annual dividend of 0.35, which amounts to a dividend yield of 10.06%.

Dividend Per Share	0.35
Dividend Yield	10.06%
Dividend Growth (YoY)	114.55%
Years of Dividend Growth	1
Payout Ratio	9.75%
Buyback Yield	1.11%
Shareholder Yield	11.16%
Earnings Yield	49.54%
FCF Yield	49.31%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Yiren Digital has an Altman Z-Score of 2.86 and a Piotroski F-Score of 6. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score	2.86
Piotroski F-Score	6