Yiren Digital Ltd. (YRD)

1.05 -2.78% (-0.03)

Over 6M: -72.1%

Style
Area Line Line with markers Steps Candles Hollow candles Bars

Candles and bars need the day’s open, high and low, and need room to be drawn in: past about a year of trading a body is thinner than a hairline, so those three offer the longest window that fits instead.

1 2 3 4
Mar Apr May Jun Jul Aug

Financials Annual

Figures
Revenue Gross Profit Operating Income Cost of Revenue Operating Cash Flow Free Cash Flow Net Income

A share count and earnings a share are not here: neither is money, so neither can share this axis. Both have their own panel on All charts.

All charts ›
FY21 — Revenue: 702.7M FY21 — Operating Cash Flow: 24.8M FY21 — Free Cash Flow: 23.3M FY21 — Net Income: 162.1M FY22 — Revenue: 498M FY22 — Operating Cash Flow: 268.1M FY22 — Free Cash Flow: 268M FY22 — Net Income: 173.2M FY23 — Revenue: 689.5M FY23 — Operating Cash Flow: 305.8M FY23 — Free Cash Flow: 305.2M FY23 — Net Income: 293M FY24 — Revenue: 795.4M FY24 — Operating Cash Flow: 195.1M FY24 — Free Cash Flow: 193.8M FY24 — Net Income: 216.8M FY25 — Revenue: 817.8M FY25 — Operating Cash Flow: 100.6M FY25 — Free Cash Flow: 96.9M FY25 — Net Income: 7.8M 0 200M 400M 600M 800M 1B
FY21 FY22 FY23 FY24 FY25
Revenue Operating Cash Flow Free Cash Flow Net Income

Figures as at 2025-12-31, reported in USD. The newest fact in the filings is dated 2025-12-31, 243 days ago. Nothing on this page is advice.

How it scores

Five questions, each answered by the measures under it. Every figure is the company's own; the bar beside it is where that figure sits among the companies read here — the top fifth, the bottom fifth, or somewhere between. Not among all listed companies, and for a valuation multiple the low end is the good end.

Quality

How much of the revenue is really kept — and what did it take to earn it?

2.9
SBC / sales 0.53%
OE margin 11.3%
Oper. margin -103.9%
ROIC -79.2%
Accruals -4.8%
FCF margin 11.9%
OCF margin 12.3%
ROA 0.41%
ROE 0.59%
EBITDA margin -103.7%
Gross margin —
OCF / EBIT —
ROCE —

5 of 17 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Valuation

What does the price ask for what the company earns, owns and pays out?

0.5
Div. yield —
EV/EBIT —
EV/GP —
EV/OE —
EV/Sales —
FCF yield —
Fwd P/E —
P/B —
P/C —
P/E —
PEG —

0 of 12 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Durability

How predictable is the revenue, and how much of it is already committed?

1.0
RPO / sales —
RPO growth —
Segment HHI —

2 of 7 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Resilience

Can the balance sheet absorb a bad year?

4.8
ND/EBITDA —
Interest cover -31464.8×
Debt / Eq 0.0×
Debt payback 0.0 yr
F-score 6.0 pts
Payout 500.9%
Cash / Debt —
Cash runway —
Current ratio —
Quick ratio —

2 of 12 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Growth

Is the business getting bigger, and is it getting more profitable?

1.6
Div. growth +133.0%
Shares change -0.015%
EPS CAGR 4Y -53.5%
EPS Y/Y -96.4%
EBIT CAGR —
EBIT Y/Y —
EPS next Y —
Sales Q/Q —
Sales/sh Y/Y —

1 of 13 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

A measure absent from a block could not be computed from this company's filings. It is left out rather than scored as though it were bad, and the dimension is averaged over what remains. A score is measured against a fixed scale this model states; the bar is measured against the other companies, so the two can disagree — and where they do, that disagreement is the more interesting figure.