Yrd

Here is the analysis for Yiren Digital (YRD): 1. **Financial Performance**: - **Earnings Trend**: YRD's earnings per share (EPS) have shown a generally upward trend, starting from $0.17 on March 31, 2022, and increasing to $0.46 by December 31, 2023. - **Revenue Growth**: The company has experienced a year-on-year total revenue growth rate of 13.77% as of December 31, 2023. - **Profitability**: The net profit margin has improved significantly, reaching 42.49% by December 31, 2023. - **Return on Equity (ROE)**: The ROE has also increased, with the average ROE being 29.47% as of December 31, 2023. |Ticker|Name|Basic EPS|Date|code|market_code| |---|---|---|---|---|---| |YRD.N|Yiren Digital|0.17150158166399998|2022 Q1|YRD|169| |YRD.N|Yiren Digital|0.22348128718299998|2022 Q2|YRD|169| |YRD.N|Yiren Digital|0.21180852605899997|2022 Q3|YRD|169| |YRD.N|Yiren Digital|0.39256509541199996|2022 Q4|YRD|169| |YRD.N|Yiren Digital|0.34987478358400004|2023 Q1|YRD|169| |YRD.N|Yiren Digital|0.411043547586|2023 Q2|YRD|169| |YRD.N|Yiren Digital|0.42963266444|2023 Q3|YRD|169| |YRD.N|Yiren Digital|0.458612079505|2023 Q4|YRD|169| |Ticker|Name|Net Profit Margin|Date|code|market_code| |---|---|---|---|---|---| |YRD.N|Yiren Digital|29.1732|2022 Q2|YRD|169| |YRD.N|Yiren Digital|30.2418|2022 Q3|YRD|169| |YRD.N|Yiren Digital|34.789|2022 Q4|YRD|169| |YRD.N|Yiren Digital|43.3081|2023 Q1|YRD|169| |YRD.N|Yiren Digital|41.3111|2023 Q2|YRD|169| |YRD.N|Yiren Digital|41.6679|2023 Q3|YRD|169| |YRD.N|Yiren Digital|42.4909|2023 Q4|YRD|169| |Ticker|Name|ROE(Average)|Date|code|market_code| |---|---|---|---|---|---| |YRD.N|Yiren Digital|8.7163|2022 Q2|YRD|169| |YRD.N|Yiren Digital|13.6875|2022 Q3|YRD|169| |YRD.N|Yiren Digital|22.0207|2022 Q4|YRD|169| |YRD.N|Yiren Digital|6.847|2023 Q1|YRD|169| |YRD.N|Yiren Digital|14.6653|2023 Q2|YRD|169| |YRD.N|Yiren Digital|22.2559|2023 Q3|YRD|169| |YRD.N|Yiren Digital|29.4721|2023 Q4|YRD|169| 2. **Liquidity and Solvency**: - **Free Cash Flow**: The free cash flow has been positive, with $163.27 million as of December 31, 2023. - **Current Ratio**: The current ratio has been above 4.00, indicating strong liquidity, with the highest at 4.86 as of March 31, 2023. - **Debt-to-Equity Ratio**: The debt-to-equity ratio is low, with 0.21% as of March 31, 2023. |Ticker|Name|Free Cash Flow|Date|code|market_code| |---|---|---|---|---|---| |YRD.N|Yiren Digital|-7.3328669233908E7|2022 Q2|YRD|169| |YRD.N|Yiren Digital|1.2377893687736E8|2022 Q3|YRD|169| |YRD.N|Yiren Digital|1.6326787282518E8|2022 Q4|YRD|169| |YRD.N|Yiren Digital|-8.8201596316642E8|2023 Q1|YRD|169| |YRD.N|Yiren Digital|-6.7629347531973E7|2023 Q2|YRD|169| |YRD.N|Yiren Digital|-8.0520883755616E7|2023 Q3|YRD|169| |YRD.N|Yiren Digital|2.0263498377039E7|2023 Q4|YRD|169| |Ticker|Name|Current Ratio|Date|code|market_code| |---|---|---|---|---|---| |YRD.N|Yiren Digital|4.2124|2022 Q2|YRD|169| |YRD.N|Yiren Digital|4.1776|2022 Q3|YRD|169| |YRD.N|Yiren Digital|4.4432|2022 Q4|YRD|169| |YRD.N|Yiren Digital|4.8607|2023 Q1|YRD|169| |YRD.N|Yiren Digital|4.7944|2023 Q2|YRD|169| |YRD.N|Yiren Digital|5.1766|2023 Q3|YRD|169| |YRD.N|Yiren Digital|4.6646|2023 Q4|YRD|169| 3. **Market Sentiment and Analyst Ratings**: - **Analyst Ratings**: There is no specific analyst rating available for YRD as of the latest data. - **Stock Performance**: The stock has experienced volatility, with a 52-week range of $2.13 to $5.80, and a current price of $4.87 as of the most recent data. - **Short Interest**: Short interest in YRD has decreased by 16.6% in May 2024, which could indicate a positive sentiment among investors. 4. **Future Outlook**: - **Earnings Release**: YRD is scheduled to report its unaudited financial results for the first quarter of 2024 before the U.S. market opens on June 21, 2024. - **Market Expectations**: The company's stock price is currently trading below the average analyst price target of $3.33454, suggesting that analysts believe the stock is undervalued. In conclusion, Yiren Digital (YRD) has demonstrated strong financial performance with improving earnings, revenue growth, and profitability. The company's liquidity and solvency positions are also robust. While specific analyst ratings are not available, the stock's performance and recent decrease in short interest indicate positive market sentiment. The upcoming earnings report is expected to provide further insights into the company's financial health and growth prospects.