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Yiren Digital Ltd. (YRD)

Stock Price: $3.65 USD -0.03 (-0.82%)
Updated Aug 12, 2020 4:00 PM EDT - Market closed

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
Key stats in USD, based on trailing-twelve-month (ttm) numbers.

Analyst Summary

Analyst Ratings (4)

Buy 0
Overweight 0
Hold 1
Underweight 0
Sell 3

Analyst Consensus: Underweight

Price Target

$4.43*
(21.25% upside)
Low
3.47
Current: $3.65
High
5.76
Target: 4.43
*Average 12-month USD price target from 4 stock analysts.

Financial Performance

Financial numbers in millions CNY.

Financial Overview

Year201920182017201620152014
Revenue8,61711,24411,5353,2381,314197
Revenue Growth-23.37%-2.52%256.23%146.49%568.43%-
Gross Profit8,61711,24411,5353,2381,314197
Operating Income1,128776-79.741,085410-27.68
Net Income1,1561,580-1881,116275-27.71
Shares Outstanding185184182118101100
Earnings Per Share12.3916.96-2.0618.775.47-0.55
EPS Growth-26.96%--243.14%--
Dividend Per Share-0.282.96---
Dividend Growth--90.54%----
Operating Cash Flow274-3,9591842,113861-227
Capital Expenditures-47.93-140-180-29.96-16.40-3.58
Free Cash Flow226-4,0994.312,083845-231
Cash & Equivalents3,2693,0343,6632,1871,3300.00
Total Debt282-----
Net Cash / Debt2,9873,0343,6632,1871,3300.00
Assets9,64414,2527,5194,7832,190-
Liabilities5,15414,6154,5492,6431,213-
Book Value4,490-3632,9702,140977-
Numbers in millions CNY, except per-share numbers.

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.