Yiren Digital Ltd
NYSE:YRD
Intrinsic Value
Yiren Digital Ltd. is engaged in the easy access to affordable credit and investors with attractive investment opportunities through its online marketplace. [ Read More ]
The intrinsic value of one
YRD
stock under the Base Case scenario is
22.49
USD.
Compared to the current market price of 4.95 USD,
Yiren Digital Ltd
is
Undervalued by 78%.
YRD could be a value trap.A value trap occurs when a stock looks inexpensive based on fundamental analysis but fails to reach its intrinsic valuation over time, often due to underlying issues not reflected in quantitative data.
Scrutinize beyond numbers; assess long-term potential.
Yiren Digital Ltd's market capitalization is 441.5m USD.
YRD stock price is 4.95 USD.
YRD stock price (4.95 USD) is 78% less than its Intrinsic Value (22.49 USD).
YRD has downside potential of 59% compared to the average analyst price target.
Open Wall St Estimates
YRD has positive three-year average ROE (Return on Equity): 13%. The company is efficient at transforming stockholders' equity into net income.
YRD's Revenue has been growing by 7% per year for the last 3 years.
YRD has positive Net Income for the last twelve months.
YRD's Revenue has grown by an exceptional 43% over the past 12 months.
YRD's ROE (Return on Equity) for the past 12 months is very high and is equal to 29%.
YRD has positive Operating Income for the last twelve months.
YRD has positive three-year average ROIC (Return on Invested Capital): 21%. The company is efficient at using invested capital to generate operating income.
YRD's ROE (Return on Equity) has significantly increased in the last 3 years from -13% to 29%.
YRD's ROIC (Return on Invested Capital) has significantly increased in the last 3 years from -8% to 47%.
YRD's ROIC (Return on Invested Capital) for the past 12 months is very high and is equal to 47%.
YRD's Altman Z-Score is very low and is equal to 1.76.
YRD has positive Gross Profit for the last twelve months.
YRD has positive Free Cash Flow for the last twelve months.
YRD's short-term assets (8B CNY) exceed its short-term liabilties (2B CNY).
YRD's long-term assets (10B CNY) exceed its long-term liabilties (2B CNY).
YRD's D/E (Debt to Equity) is very low and is equal to 0.
Valuation Backtest
Yiren Digital Ltd
Run backtest to discover the historical profit from buying and selling
YRD
stocks based on their intrinsic value.
Analyze the historical link between intrinsic value and market price to make more informed investment decisions.
Fundamental Analysis
Yiren Digital Ltd
Balance Sheet Decomposition
Yiren Digital Ltd
| Current Assets | 7.5B |
| Cash & Short-Term Investments | 5.8B |
| Receivables | 1.3B |
| Other Current Assets | 426.5m |
| Non-Current Assets | 2.7B |
| Long-Term Investments | 524.6m |
| PP&E | 102.5m |
| Other Non-Current Assets | 2.1B |
| Current Liabilities | 2B |
| Accounts Payable | 30.9m |
| Accrued Liabilities | 1.5B |
| Other Current Liabilities | 460.2m |
| Non-Current Liabilities | 176.1m |
| Other Non-Current Liabilities | 176.1m |
Earnings Waterfall
Yiren Digital Ltd
|
Revenue
|
4.9B
CNY
|
|
Cost of Revenue
|
-976.2m
CNY
|
|
Gross Profit
|
3.9B
CNY
|
|
Operating Expenses
|
-1.3B
CNY
|
|
Operating Income
|
2.6B
CNY
|
|
Other Expenses
|
-514.6m
CNY
|
|
Net Income
|
2.1B
CNY
|
Free Cash Flow Analysis
Yiren Digital Ltd
YRD Profitability Score
Profitability Due Diligence
Yiren Digital Ltd's profitability score is 74/100. The higher the profitability score, the more profitable the company is.
Score
Yiren Digital Ltd's profitability score is 74/100. The higher the profitability score, the more profitable the company is.
YRD Solvency Score
Solvency Due Diligence
Yiren Digital Ltd's solvency score is 67/100. The higher the solvency score, the more solvent the company is.
Score
Yiren Digital Ltd's solvency score is 67/100. The higher the solvency score, the more solvent the company is.
Wall St
Price Targets
YRD Price Targets Summary
Yiren Digital Ltd
According to Wall Street analysts, the average 1-year price target for
YRD
is 2.03 USD
.
Shareholder Return
YRD Price
Yiren Digital Ltd
| Average Annual Return | -41.8% |
| Standard Deviation of Annual Returns | 19.49% |
| Max Drawdown | -96% |
| Market Capitalization | 441.5m USD |
| Shares Outstanding | 89 183 300 |
| Percentage of Shares Shorted | 1.49% |
Company Profile
Yiren Digital Ltd
Country
Industry
Market Cap
Dividend Yield
Description
Yiren Digital Ltd. is engaged in the easy access to affordable credit and investors with attractive investment opportunities through its online marketplace. The company is headquartered in Beijing, Beijing and currently employs 56 full-time employees. The company went IPO on 2015-12-18. The firm conducts its business in China, through Yi Ren Heng Ye Technology Development (Beijing) Co., Ltd. (Heng Ye) and its consolidated variable interest entity, Heng Cheng Technology Development (Beijing) Co., Ltd. (Heng Cheng). Heng Cheng operates its Website, www.yirendai.com, and has an Internet content provider (ICP) license as an Internet information provider. Its online marketplace facilitates standard loan products, express loan products and vertical loan products to borrowers. Uses for these loan products include home remodels, durable good purchases, travel and continuing education. Its online marketplace provides investors with various investing tools, such as automated investing tool and self-directed investing tool. The company maintains a secondary loan market on its marketplace where investors can transfer the loans they hold prior to maturity at the fair value of the remaining loans.
Contact
IPO
Employees
Officers
The intrinsic value of one
YRD
stock under the Base Case scenario is
22.49
USD.
Compared to the current market price of 4.95 USD,
Yiren Digital Ltd
is
Undervalued by 78%.
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