NYSE: YRD - Yiren Digital Ltd.

Yield per half year: +63.76%
Dividend yield: +3.31%
Sector: Financials

Reporting Yiren Digital Ltd.

Capitalization

IFRS
Reporting Annual Quarterly
2015 2016 2017 2018 2019 2020 2021 2022 2023 LTM 5 year average CAGR 5
Капитализация, млрд ¥
0.4887 1.07 2 1.61 1.01 0.3262 0.3401 0.156 0.2233 0.2366
Выручка, млрд ¥
1.36 3.24 5.54 5.62 8.62 3.96 4.48 3.43 4.9 4.9
Чистая прибыль, млрд ¥
0.2845 1.12 1.37 0.9666 1.16 -0.6927 1.03 1.19 2.08 2.08
EV, млрд ¥
-0.0089 6.75 -1.28 0.0059 -0.9859 -3.75 -3.75
EBIT, млрд ¥
0.4124 1.05 1.68 0.838 0.7334 0.2784 1.15 1.45 2.59 2.67
EBITDA, млрд ¥
0.4161 1.07 1.7 0.8775 1.13 0.6058 1.29 1.5 2.6 2.67
Баланс стоимость, млрд ¥
0.9791 2.14 2.97 5.12 4.49 3.78 4.82 4.82 8.09 8.09
FCF, млрд ¥
0.3956 2.08 2.65 -0.8724 0.1983 0.2683 0.1488 1.85 2.17 2.17
Операционный денежный поток, млрд ¥
0.4125 2.11 2.72 -0.8202 0.2463 0.282 0.1582 1.85 2.17 2.17
Операционная прибыль, млрд ¥
0.4124 1.08 1.68 0.838 0.7334 0.2784 1.15 1.47 2.59 2.59
Операционные расходы, млрд ¥
0.8441 1.97 3.45 4.14 6.82 2.91 2.43 1.19 1.32 1.32
CAPEX, млрд ¥
0.0169 0.03 0.0706 0.0522 0.048 0.0137 0.0094 0.000882 0.0044 0.0044


Balance sheet

IFRS
Reporting Annual Quarterly
2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 LTM 5 year average CAGR 5
Наличность, млрд ¥
0.8481 0.9682 1.86 2.03 3.2 2.47 2.86 2.86 5.79 5.79
Short Term Investments ¥
0.0301 1.16 0.9698 0.8325 0.461 0.1755 0.1774 0.1774 0.5141 0.5141
Long term investments ¥
0.0000 0.00011 0.0989 0.0099 0.3156 0.0066 0.0033 0.0022 0.0027 0.0104
Total Receivables ¥
0.2218 0.371 0.9303 1.21 1.44 2.45 2.96 2.96 2.01 2.17
Total Current Assets ¥
1.55 3.72 5.56 4.17 5.17 5.34 6.08 6.08 9.65 9.09
Чистые активы, млрд ¥
0.0164 0.0355 0.0822 0.266 0.53 0.2529 0.1833 0.1112 6.03 0.0152
Активы, млрд ¥
2.2 4.78 7.52 7.52 9.76 6.7 7.74 7.74 10.28 10.28
Short Term Debt ¥
0.224 0.3471 0.5114 0.2133 0.3671 0.3402 0.0144 0.0144
Long Term Debt ¥
0.1924 0.0186 0.5005 1.03 0.7679 0.1049
Задолженность, млрд ¥
1.22 2.64 4.55 2.4 5.27 2.92 2.92 2.92 2.19 2.19
Чистый долг, млрд ¥
-0.8481 -0.9682 -1.86 -1.84 -2.92 -2.39 -1.76 -1.76 -5.77 -5.77
Долг, млрд ¥
0.4057 0.3009 0.8676 1.1 1.11 0.0236 0.0236
Interest income ¥
0.005 0.0171 0.0747 0.3077 0.0751 0.0616 0.1108 0.0074
Расходы на обслуживание долга ¥
0.005 0.0368 0.1149 0.0713 0.6614 1.05 0.0616 0.0616 0.0142 0.0084
Чист. проц. доходы, млрд ¥
0.0368 0.1149 0.0713 0.0734 0.0616 -0.0734 -0.0263 0.0543 0.001
Goodwill ¥
0.0048 0.0048
Амортизация, млрд ¥
0.0038 0.0106 0.0237 0.0394 0.3946 0.3275 0.14 0.0528 0.0071 0.000168
Себестоимость, млрд ¥
0.1009 0.1998 0.4179 0.6443 0.6651 1.1 0.7609 0.7768 0.9762 0.9762
Товарно материальные запасы ¥
0.4782 1.2 1.78 0.0588 -0.0421 0 0.1025 0.4932 0.0761 0.0761


Share

IFRS
Reporting Annual Quarterly
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM 5 year average CAGR 5
EPS 0.25 2.83 3.56 6.88 11.31 0.477 12.11 14.01 23.28 23.28
Цена акции ао 43.97 10.75 5.55 3.34 2.86 1.37 3.12 4.8 7.14 7.14
Число акций ао, млн 51.29 60.43 61.87 62.41 93.16 83.98 85.59 85.3 89.34 89.34
FCF/акцию 7.71 34.48 42.77 -13.98 2.13 3.19 1.74 21.67 24.25 24.25


Efficiency

IFRS
Reporting Annual Quarterly
2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
ROE, % 29.06 52.17 46.19 18.88 25.74 -18.34 21.42 24.78 32.23 25.73 10.84
ROA, % 12.96 23.34 18.25 12.86 11.84 -10.34 13.35 15.44 23.09 20.24 3.71
ROIC, % -264.15 -23 46.76 69.81 50.17 19.42 21.67 -16.35 -1.05 2.84 8.01
ROS, % 24.75 17.2 13.41 -17.48 23.07 34.79 42.49 42.49 42.49 42.49 23.12
ROCE, % 49.27 56.48 16.36 16.33 7.37 23.8 20.01 29.38 33.02 33.02 -0.98
Ebit margin, % 8.51 -1.26 25.62 42.09 53 54.54 54.54
Рентаб EBITDA, % 32.89 30.69 15.61 13.09 15.29 28.75 43.62 53.15 54.55 54.55 33.45
Чистая рентаб, % 20.96 34.48 24.75 17.2 13.41 -17.48 23.07 34.79 42.49 42.49 23.02
Operation Margin, % 30.26 14.91 8.51 7.03 25.62 42.93 53 53 53 53 34.35
Чистая процентная маржа, % -266.43 -14.1 20.96 34.48 24.75 17.2 13.41 -17.49 3.09 25.36
Доходность FCF, % 80.95 195.2 132.5 -54.05 19.68 82.24 43.75 1185.34 970.36


Coefficients

IFRS
Reporting Annual Quarterly
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
P/E
1.72 0.9561 1.46 1.67 0.872 -0.4709 0.3292 0.6511 0.9686 0.9686 22.00
P/BV
0.4991 0.4988 0.6724 0.3152 0.2244 0.0864 0.0705 0.1613 0.2492 0.2492 2.50
P/S
0.36 0.3296 0.3603 0.2872 0.1169 0.0823 0.0759 0.2265 0.4116 0.4116 4.83
P/FCF
0.7547 -1.85 5.08 1.22 2.29 0.0844 0.1031 0.1092 0.1092 0.1092 7.79
E/P
0.6869 0.5988 1.15 -2.12 3.04 7.66 9.32 8.79 8.79 8.79 1.16
EV/EBITDA
9.53 6.82 8.16 -0.0102 0.5285 -2.11 -0.166 -0.658 -1.44 -1.41 29.48
EV/EBIT
1.32 8.37 -0.1837 -0.6821 -1.45 -1.41 -1.41 -1.41
EV/S
-0.0016 0.1121 -0.3221 -0.0471 -0.2871 -0.7666 -0.7666 -0.7666 -0.7666 5.45
EV/FCF
0.0102 4.87 -4.76 -1.42 -0.5333 -1.73 -1.73 -1.73 -1.73 11.12
Debt/EBITDA
0.4624 0.1615 1.43 0.8669 0.7396 0.0091 0.0089 0.0089 0.0089 -6.06
Netdebt/Ebitda
-1.09 -2.09 -2.58 -3.94 -1.37 -1.18 -2.22 -2.16 -2.16 -2.16 -6.58
Debt/Ratio
0.6 0.054 0.53 0.1295 0.44 0.1432 0.0023 0.0023 0.0023 0.0023 0.19
Debt/Equity
1.53 0.0792 1.15 0.2297 0.77 0.2298 0.0029 1.56 1.56 1.56 18.89
Debt/Net Income
0.4197 0.2443 -1.25 1.07 0.9274 0.0114 0.0114 0.0114 0.0114 20.98
Бета
0.59 0.67 2.88 1.22 3.3 3.3 1.76
Индекс Альтмана
2.03 1.48 1.45 0.7396 1.3 1.27 3.61 1.15 1.15 1.15 4.38


Dividends

IFRS
Reporting Annual Quarterly
2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 LTM Industry average 5 year average CAGR 5
Див.выплата, млрд
0.6052 0.0022 0 0.6052 0.1066
Дивиденд
1.5 0.28 0.2 0.2
Див доход, ао, %
0 4.65 1.08 0 0 0 0 0 3.31 3.31 2.46
Дивиденды / прибыль, %
-2169.68 0.7768 0 44.12 11.03 0 0 0 0 44.83


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Other

IFRS
Reporting Annual
2018 2019 2020 2022 2023 CAGR 5
Всего задолженность
1.4 2.72 2.15
Персонал, чел
13728 1064