Yiren Digital Ltd. (YRD)
Stock Price Chart
Key Info
| Market Cap | 1.58B |
| Revenue (ttm) | 1.24B |
| Net Income (ttm) | 166.49M |
| Shares Out | 94.25M |
| EPS (ttm) | 2.66 |
| PE Ratio | 1.37 |
| Forward PE | 2.09 |
| Dividend | n/a |
| Dividend Yield | n/a |
Stock Quote
| Trading Day | Aug 12, 2020 |
| Last Price | $3.65 |
| Previous Close | $3.68 |
| Change ($) | -0.03 |
| Change (%) | -0.82% |
| Day's Open | 3.70 |
| Day's Range | 3.62 - 3.77 |
| Day's Volume | 80,876 |
| 52-Week Range | 2.83 - 10.33 |
More Stats
| Market Cap | 1.58B |
| Enterprise Value | 1.15B |
| Earnings Date (est) | Nov 17, 2020 |
| Ex-Dividend Date | n/a |
| Shares Outstanding | 94.25M |
| Float | 11.38M |
| EPS (basic) | n/a |
| EPS (diluted) | 2.66 |
| FCF / Share | 0.35 |
| Dividend | n/a |
| Dividend Yield | n/a |
| Earnings Yield | 72.88% |
| FCF Yield | 2.07% |
| Payout Ratio | n/a |
| Shares Short | 760,462 |
| Short Ratio | 4.70 |
| Short % of Float | n/a |
| Beta | 1.45 |
| PE Ratio | 1.37 |
| Forward PE | 2.09 |
| P/FCF Ratio | 48.41 |
| PS Ratio | 1.27 |
| PB Ratio | 0.54 |
| Revenue | 1.24B |
| Operating Income | 162.51M |
| Net Income | 166.49M |
| Free Cash Flow | 32.59M |
| Net Cash | 430.30M |
| Net Cash / Share | 1.00 |
| Gross Margin | 100.00% |
| Operating Margin | 13.09% |
| Profit Margin | 13.40% |
| FCF Margin | 2.63% |
| ROA | 5.42% |
| ROE | 22.96% |
| ROIC | n/a |
Analyst Summary
Analyst Consensus: Underweight
Financial Performance
Financial Overview
| Year | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|
| Revenue | 8,617 | 11,244 | 11,535 | 3,238 | 1,314 | 197 |
| Revenue Growth | -23.37% | -2.52% | 256.23% | 146.49% | 568.43% | - |
| Gross Profit | 8,617 | 11,244 | 11,535 | 3,238 | 1,314 | 197 |
| Operating Income | 1,128 | 776 | -79.74 | 1,085 | 410 | -27.68 |
| Net Income | 1,156 | 1,580 | -188 | 1,116 | 275 | -27.71 |
| Shares Outstanding | 185 | 184 | 182 | 118 | 101 | 100 |
| Earnings Per Share | 12.39 | 16.96 | -2.06 | 18.77 | 5.47 | -0.55 |
| EPS Growth | -26.96% | - | - | 243.14% | - | - |
| Dividend Per Share | - | 0.28 | 2.96 | - | - | - |
| Dividend Growth | - | -90.54% | - | - | - | - |
| Operating Cash Flow | 274 | -3,959 | 184 | 2,113 | 861 | -227 |
| Capital Expenditures | -47.93 | -140 | -180 | -29.96 | -16.40 | -3.58 |
| Free Cash Flow | 226 | -4,099 | 4.31 | 2,083 | 845 | -231 |
| Cash & Equivalents | 3,269 | 3,034 | 3,663 | 2,187 | 1,330 | 0.00 |
| Total Debt | 282 | - | - | - | - | - |
| Net Cash / Debt | 2,987 | 3,034 | 3,663 | 2,187 | 1,330 | 0.00 |
| Assets | 9,644 | 14,252 | 7,519 | 4,783 | 2,190 | - |
| Liabilities | 5,154 | 14,615 | 4,549 | 2,643 | 1,213 | - |
| Book Value | 4,490 | -363 | 2,970 | 2,140 | 977 | - |
Company Profile
Company Details
| Full Name | Yiren Digital Ltd. |
| Country | China |
| Employees | 31,388 |
| CEO | Ning Tang |
Stock Information
| Ticker Symbol | YRD |
| Stock Exchange | New York Stock Exchange |
| Sector | Financial Services |
| Industry | Credit Services |
| Unique Identifier | NYSE: YRD |
| IPO Date | December 18, 2015 |
Description
Yiren Digital Ltd., through its subsidiaries, operates as an online consumer finance marketplace that connects borrowers and investors primarily in the People's Republic of China. The company provides loan facilitation services; post-origination services, such as cash processing, collection, and SMS services; and automated investing tool for investors to invest in loans through its marketplace, and self-directed investing tool that enables investors to select lending opportunities to approved borrowers that are posted on its marketplace. Its loan products portfolio includes unsecured consumer loans, such as standard, fasttrack, and micro loan products; secured consumer loan, which include secured financial leasing, auto-secured, and property-secured loans; and small business loans. The company also distributes fixed income, mutual fund investment, insurance, and other wealth management products offered by banks; and maintains a secondary loan market on its marketplace where investors can transfer the loans they hold prior to maturity at the fair value of the remaining loans. In addition, it provides online investor education services, which include a range of investment and trading topics, and various types of training programs on wealth planning, market insights, and investment strategies; consultancy information technology support; referral; and IT, system maintenance, and customer support services. The company offers its products through www.yirendai.com, www.yxpuhui.com, and a wealth management website and mobile application. As of December 31, 2019, it had 37 fixed income products, 302 mutual fund products, and 132 insurance products. The company was formerly known as Yirendai Ltd. and changed its name to Yiren Digital Ltd. in September 2019. Yiren Digital Ltd. was founded in 2012 and is based in Beijing, the People's Republic of China. Yiren Digital Ltd. is a subsidiary of Creditease Holdings (Cayman) Limited.