Yiren Digital Ltd
NYSE:YRD

Watchlist Manager
Yiren Digital Ltd Logo
Yiren Digital Ltd
NYSE:YRD
Watchlist
Price: 4.15 USD -0.24% Market Closed
Market Cap: 360.8m USD
Section:
 

Relative Value

The Relative Value of one YRD stock under the Base Case scenario is hidden USD. Compared to the current market price of 4.15 USD, Yiren Digital Ltd is hidden .

Relative Value is the estimated value of a stock based on various valuation multiples like P/E and EV/EBIT ratios. It offers a quick snapshot of a stock's valuation in relation to its peers and historical norms.

YRD Relative Value
HIDDEN
Show
Worst Case
Base Case
Best Case

Valuation Multiples

0.4
P/S
P/S
Price to Sales
0.4
vs History
58
vs Industry
80
Median 3Y
0.5
Median 5Y
0.5
Industry
3.3
More Details
2
P/E
P/E
Price to Earnings
2
vs History
25
vs Industry
65
Median 3Y
1.5
Median 5Y
1.3
Industry
15.5
More Details
2
P/OCF
P/OCF
Price to OCF
2
vs History
39
vs Industry
46
Median 3Y
1.3
Median 5Y
1.3
Industry
10.3
More Details
2
P/FCFE
P/FCFE
Price to FCFE
2
vs History
33
vs Industry
43
Median 3Y
1.4
Median 5Y
1.3
Industry
12.2
More Details
0.2
P/B
P/B
Price to Book Value
0.2
vs History
66
vs Industry
78
Median 3Y
0.3
Median 5Y
0.3
Industry
1.3
More Details
Negative
EV/S
EV/S
Enterprise Value to Sales
N/A
vs History
vs Industry
85
Median 3Y
-0.5
Median 5Y
-0.2
Industry
5
More Details
Negative
EV/GP
EV/GP
Enterprise Value to Gross Profit
N/A
vs History
vs Industry
84
Median 3Y
-0.6
Median 5Y
-0.2
Industry
7.4
More Details
Negative
EV/EBITDA
EV/EBITDA
Enterprise Value to EBITDA
N/A
vs History
vs Industry
68
Median 3Y
-1.1
Median 5Y
-1.1
Industry
14.3
More Details
Negative
EV/EBIT
EV/EBIT
Enterprise Value to EBIT
N/A
vs History
vs Industry
65
Median 3Y
-1.1
Median 5Y
-1.1
Industry
14.9
More Details
Negative
EV/OCF
EV/OCF
Enterprise Value to OCF
N/A
vs History
vs Industry
54
Median 3Y
-1.2
Median 5Y
-1.3
Industry
12.5
More Details
Negative
EV/FCFF
EV/FCFF
Enterprise Value to FCFF
N/A
vs History
vs Industry
50
Median 3Y
-1.2
Median 5Y
-1.3
Industry
13.4
More Details
Negative
EV/IC
EV/IC
Enterprise Value to IC
N/A
vs History
vs Industry
85
Median 3Y
-0.4
Median 5Y
-0.1
Industry
1
More Details

Multiples Across Competitors

YRD Competitors Multiples
Yiren Digital Ltd Competitors

All Multiples
P/S
P/E
EV/EBITDA
EV/EBIT
All Countries
All Countries
Close
Market Cap P/S P/E EV/EBITDA EV/EBIT
CN
Yiren Digital Ltd
NYSE:YRD
360.8m USD 0.4 2 -1.2 -1.2
US
American Express Co
NYSE:AXP
264.3B USD 3.5 25.4 27.7 31.2
US
Capital One Financial Corp
NYSE:COF
164B USD 3.4 150 48.1 0
IN
Bajaj Finance Ltd
NSE:BAJFINANCE
6T INR 8 32.9 27.4 28.2
US
Discover Financial Services
NYSE:DFS
50.3B USD 2.3 9.1 281.2 0
US
SoFi Technologies Inc
NASDAQ:SOFI
32.5B USD 9.8 50.8 156.6 0
US
Synchrony Financial
NYSE:SYF
32.9B USD 1.7 9.4 95.6 0
IN
Shriram Finance Ltd
NSE:SHRIRAMFIN
1.9T INR 4.2 19 23.9 24.8
IN
Muthoot Finance Ltd
NSE:MUTHOOTFIN
1.6T INR 6.5 21.8 24.9 25.3
IN
Cholamandalam Investment and Finance Company Ltd
NSE:CHOLAFIN
1.5T INR 5.4 32.4 30.5 31.5
IN
Tata Capital Ltd
NSE:TATACAP
1.5T INR 4.6 37.1 13.5 13.7
EV/EBIT Multiple
EBIT Growth EV/EBIT to Growth
CN
Yiren Digital Ltd
NYSE:YRD
Average EV/EBIT: 25.8
Negative Multiple: -1.2 		N/A N/A
US
American Express Co
NYSE:AXP
31.2
23%
1.4
US
Capital One Financial Corp
NYSE:COF
Not Available N/A N/A
IN
Bajaj Finance Ltd
NSE:BAJFINANCE
28.2
22%
1.3
US
Discover Financial Services
NYSE:DFS
Not Available N/A N/A
US
SoFi Technologies Inc
NASDAQ:SOFI
Not Available N/A N/A
US
Synchrony Financial
NYSE:SYF
Not Available N/A N/A
IN
Shriram Finance Ltd
NSE:SHRIRAMFIN
24.8
15%
1.7
IN
Muthoot Finance Ltd
NSE:MUTHOOTFIN
25.3
24%
1.1
IN
Cholamandalam Investment and Finance Company Ltd
NSE:CHOLAFIN
31.5
23%
1.4
IN
Tata Capital Ltd
NSE:TATACAP
13.7
-16%
N/A

See Also

Summary
YRD intrinsic value, competitors valuation, and company profile.
DCF Valuation
YRD stock valuation using Discount Cash Flow valuation method.
Relative Valuation
YRD stock valuation using valuation multiples.
Wall Street Estimates
YRD price targets and financial estimates made by Wall st analysts.
Profitability Analysis
Detailed analysis of the company's profitability.
Solvency Analysis
Analysis of the financial position and solvency of the company.
Financials
Income Statement, Balance Sheet, Cash Flow Statement.
Discount Rate
YRD stock discount rate: cost of equity and WACC.
Summary
DCF Valuation
Relative Valuation
Wall Street Estimates
Profitability Analysis
Solvency Analysis
Financials
Discount Rate
Discover More
Back to Top
ALPHA SPREAD
Follow us
Join more than 307,800+ value investors using Alpha Spread
Create Free Account
or see our plans & pricing

Company

About Us Careers Pricing Affiliate Program Terms of Service Privacy Policy

Help

What is Intrinsic Value? Help Center Contact Us

Tools

Stock Screener Intrinsic Value Calculator DCF Value Calculator Discount Rate Calculator

Stocks

Most Undervalued Stocks Wide Economic Moat Stocks High Profitability Stocks High Solvency Stocks Most Popular Stocks

© 2026 Alpha Spread Limited. All Rights Reserved.

www.alphaspread.com is not operated by a broker, a dealer, or a registered investment adviser. Under no circumstances does any information posted on www.alphaspread.com represent a recommendation to buy or sell a security. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute, investment advice or recommendations. The information on this site is in no way guaranteed for completeness, accuracy or in any other way. In no event shall Alpha Spread Limited be liable to any member, guest or third party for any damages of any kind arising out of the use of any content or other material published or available on www.alphaspread.com, or relating to the use of, or inability to use, www.alphaspread.com or any content, including, without limitation, any investment losses, lost profits, lost opportunity, special, incidental, indirect, consequential or punitive damages. Past performance is a poor indicator of future performance.