US · YRD
Yiren Digital Ltd.
- Sector
- Financial Services · Financial - Credit Services
- Headquarters
- Beijing 100022
- Website
- yirendai.com
Price · as of 2024-12-31
$2.03
Market cap 339.04M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $3.30 | +62.56% |
| Intrinsic Value(DCF) | $16.40 | +707.88% |
| Graham-Dodd Method(GD) | $25.30 | +1,146.31% |
| Graham Formula(GF) | $66.40 | +3,170.94% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | |||||
| 2011 | |||||
| 2012 | |||||
| 2013 | |||||
| 2014 | $0.20 | $0.00 | |||
| 2015 | $7.21 | $57.46 | $2,148,296.50 | $6.60 | $425.10 |
| 2016 | $25.19 | $52.04 | $3,996,212.83 | $18.30 | $390.30 |
| 2017 | $37.52 | $72.51 | $25,419,219.98 | $0.00 | $0.00 |
| 2018 | $11.74 | $56.03 | $3,679.86 | $9.00 | $11.70 |
| 2019 | $3.78 | $24.98 | $5.52 | $15.50 | $0.00 |
| 2020 | $4.80 | $14.69 | $1.27 | $0.50 | $46.90 |
| 2021 | $1.78 | $22.66 | $3.98 | $16.60 | $35.20 |
| 2022 | $2.09 | $11.99 | $8.49 | $19.70 | $0.00 |
| 2023 | $4.53 | $33.54 | $55.48 | $29.30 | $161.30 |
| 2024 | $6.69 | $23.28 | $59.62 | $25.30 | $66.40 |
AI valuation
Our deep-learning model estimates Yiren Digital Ltd.'s (YRD) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $3.30
- Current price
- $2.03
- AI upside
- +62.56%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$16.40
+707.88% upside
Graham-Dodd
$25.30
+1,146.31% upside
Graham Formula
$66.40
+3,170.94% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| YRD | Yiren Digital Ltd. | $2.03 | 339.04M | +1,047% | +708% | +1,146% | +3,171% | 2.61 | 0.43 | 0.71 | -0.06 | — | 0.43 | 84.79% | 28.37% | 27.25% | 17.95% | 39.36% | 13.61% | 0.00 | — | 5.61 | 4.39 | -2.27 | -2221.00% | 1859.00% | -3469.00% | 34.23% | 0.68 | 39.77% | 2.96% | 7.70% | 4.79% | -0.06 | -0.07 | -0.02 | 2.96 |
| ANTA | Antalpha Platform Holding… | $8.78 | 207.89M | — | — | -66% | +583% | — | — | — | — | — | — | 37.75% | 6.70% | 9.26% | 14.87% | 0.70% | 0.44% | 8.84 | — | 1.05 | 0.99 | 71.08 | -16552.00% | 32096.00% | -364.00% | — | -0.01 | -2.93% | — | 0.00% | — | — | — | — | — |
| FOA | Finance Of America Compan… | $19.35 | 196.37M | +8,018% | -53% | +75% | +154% | -1.56 | 0.87 | 0.11 | 353.39 | — | 5.70 | 13.88% | 2.20% | 0.79% | -58.50% | 0.15% | -0.51% | 112.49 | 0.03 | 0.09 | 0.09 | 350.68 | -11208.00% | 2425.00% | 49219.00% | -190.70% | -0.33 | -1.52% | 0.00% | 0.00% | 0.00% | 674.85 | -68.18 | 14.82 | -0.01 |
| JRVR | James River Group Holding… | $7.00 | 321.76M | +1,085% | -39% | — | +23% | -1.93 | 0.26 | 0.22 | 10.99 | — | 0.41 | 12.34% | -10.05% | -11.46% | -12.74% | 17.03% | -1.57% | 0.51 | -2.88 | — | — | 1.22 | -224.00% | -1285.00% | -40910.00% | -161.24% | — | 67.59% | 12.16% | -23.40% | 82.26% | 7.29 | 2.06 | -0.73 | 0.00 |
| LPRO | Open Lending Corporation | $1.33 | 157.19M | +2,887% | +44% | — | +5,693% | -4.21 | 7.28 | 23.66 | -9.09 | — | 7.82 | 0.70% | -272.14% | -561.98% | -95.19% | -141.83% | -40.28% | 1.84 | -5.78 | 5.84 | 5.54 | 1.93 | -72778.00% | -7955.00% | -7834.00% | 3.07% | 0.37 | 37.82% | 0.00% | 0.00% | 1.29% | -7.18 | 26.91 | 19.53 | 0.29 |
| MFIN | Medallion Financial Corp. | $10.09 | 234.89M | +294% | +102% | +13% | +248% | 4.48 | 0.51 | 0.64 | 5.43 | — | 0.94 | 43.57% | 21.57% | 12.30% | 11.76% | 8.01% | 1.54% | 0.78 | 0.71 | 0.05 | 0.05 | 2.75 | -3586.00% | 1465.00% | 154.00% | 61.50% | 0.05 | 22.07% | 5.00% | 22.40% | 12.84% | 5.96 | 3.25 | 1.29 | -0.57 |
| OPRT | Oportun Financial Corpora… | $5.18 | 228.59M | +499% | -41% | +108% | +171% | 10.20 | 0.66 | 0.40 | 3.70 | — | 0.81 | 63.68% | 6.92% | 3.95% | 6.78% | 1.48% | 0.78% | 0.03 | 0.19 | 9.17 | 9.17 | -2.13 | -12718.00% | 1949.00% | 1044.00% | 160.86% | 35.95 | 24.23% | 0.00% | 0.00% | 1111.47% | 3.70 | 0.39 | 0.26 | 0.23 |
| PMTS | CPI Card Group Inc. | $12.27 | 139.67M | +403% | +101% | -89% | +128% | 16.11 | -8.83 | 0.65 | 7.20 | — | -3.37 | 35.63% | 13.07% | 4.06% | -44.59% | 22.87% | 6.07% | -8.13 | 1.84 | 2.69 | 1.57 | 3.23 | -1841.00% | 811.00% | 2323.00% | 10.83% | 0.57 | 15.90% | 0.00% | 0.00% | 4.02% | 9.08 | 16.75 | 1.19 | 3.17 |
| SSSS | SuRo Capital Corp. | $9.38 | 235.62M | +1,289% | -78% | — | +237% | -3.23 | 0.78 | 26.34 | -4.62 | — | 0.78 | -520.88% | -815.77% | -815.77% | -21.13% | -16.59% | -14.97% | 0.46 | -7.87 | 26.81 | 26.81 | -1.40 | -94211.00% | -2916.00% | -12290.00% | 1.93% | 3.05 | 1.03% | 0.12% | -0.40% | 7.75% | -4.62 | 74.40 | 37.72 | 0.55 |
| SUIG | SUI Group Holdings Limite… | $1.26 | 104.67M | +102,775% | -18% | +218% | +990% | 10.30 | 0.61 | 3.37 | 3.77 | — | 0.61 | 99.99% | 44.64% | 32.72% | 6.09% | 7.31% | 5.90% | 0.00 | 4978.68 | 152.05 | 151.27 | -3.78 | -19474.00% | 7007.00% | -59666.00% | 46.97% | 137.45 | 35.36% | 0.00% | 0.00% | 47.04% | 3.77 | 1.06 | 1.68 | 10.79 |
| TONX | TON Strategy Co. | $1.94 | 115.54M | +22,705% | +169,339,520% | — | — | -0.29 | 0.19 | 3.36 | 0.96 | — | 0.23 | 74.97% | -1301.01% | -1154.08% | -108.76% | -440.39% | -66.79% | 0.03 | 49.13 | 3.84 | 3.57 | 0.75 | -10000.00% | 132063.00% | -1647.00% | -303.18% | -2.04 | -344.44% | 0.00% | 0.00% | 172.44% | 0.78 | 1.00 | -10.13 | -13.41 |
About Yiren Digital Ltd.
Yiren Digital Ltd., through its subsidiaries, operates as an online consumer finance marketplace that connects borrowers and investors in the People's Republic of China. It provides loan facilitation services; and post-origination services, such as cash processing, collection, and SMS services. The company's loan products portfolio includes unsecured consumer loans; secured consumer loan, which include secured financial leasing, auto-secured, and property-secured loans; and small business loans. It also distributes short-term cash management, mutual fund investment, insurance, and securities and stock products. In addition, the company 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. Further, it is involved in the provision of services for financing lease and insurance brokerage businesses. The company offers its products through www.yxpuhui.com, and a wealth management website and mobile application. As of December 31, 2020, it had 60 fixed income products, 810 mutual fund products, and 296 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.
- CEO
- Ning Tang
- Employees
- 949
- Beta
- 0.84
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($16.40 ÷ $2.03) − 1 = +707.88% (DCF, example).