Stocktoria

Yiren Digital Ltd. YRD

NYSE · stock · Finance Services · website · IPO 2015-12-18

Yiren Digital Ltd. statistics & valuation

Profitability & efficiency

Net margin (%)
5.00% 1.80% 17.20% 13.40% -17.50% 23.10% 34.80% 6.00% 3.70% 0.10% 2016201720182019202020212022202320242025
Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
325.20% -47.00% -71.60% -14.90% 2016201720182019202020212022202320242025
Return on equity (%)
52.20% 46.20% 18.90% 25.70% -18.30% 21.40% 19.80% 25.70% 16.60% 0.60% 2016201720182019202020212022202320242025
Shares outstanding
119.5M 182.4M 186.3M 186.5M 180.3M 170.6M 178.6M 178.7M 174.7M 174.7M 2016201720182019202020212022202320242025
Net debt ($)
-$102.7M -$440.8M 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
23.30% 18.20% 12.90% 12.00% -10.30% 13.30% 14.00% 20.20% 12.20% 0.40% 2016201720182019202020212022202320242025
Free cash flow margin (%)
65.10% 3.50% -15.50% 2.60% 6.80% 3.30% 53.80% 6.20% 3.30% 1.70% 2016201720182019202020212022202320242025
Debt / equity (×)
0.26× 0.03× 2016201720182019202020212022202320242025
EPS ($)
$1.35 $1.72 $1.13 $0.89 -$0.59 $0.95 $0.99 $1.64 $1.24 $0.04 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

Yiren Digital Ltd. trades at about 26.9× earnings — above its 10-year norm (10-year range 2.5×–89×, median 5.1×).

2.5× 89×

Shaded band = 10-year range (2.5×–89×); dot = today's 26.9×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating margin-14.9%-71.6%-47.0%325.2%——————
Net margin0.1%3.7%6.0%34.8%23.1%-17.5%13.4%17.2%1.8%5.0%
FCF margin1.7%3.3%6.2%53.8%3.3%6.8%2.6%-15.5%3.5%65.1%
Return on assets0.4%12.2%20.2%14.0%13.3%-10.3%12.0%12.9%18.2%23.3%
Return on equity0.6%16.6%25.7%19.8%21.4%-18.3%25.7%18.9%46.2%52.2%
Debt / equity——————0.03×0.26×——

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.