Yiren Digital (YRD) Fundamental Analysis: Revenue, Earnings & Valuation

6.14 / 10

Outperform

Fundamental rating is Outperform. Operating cash flow growth (+8.5% Q) and asset turnover (0.43) are strengths, while revenue and profit YoY declines hurt the picture. Net profit margin (0.71) and cash‑to‑market ratios are modestly positive.

Analysis Checks(3/10)

Gross profit margin (%)

Value100.00

Score1/3

Weight3.44%

1M Return0.72%

Total profit (YoY growth rate %)

Value-103.14

Score0/3

Weight-8.47%

1M Return-2.00%

Net cash flow from operating activities (YoY growth rate %)

Value-51.78

Score3/3

Weight51.99%

1M Return8.49%

Net profit margin (%)

Value0.71

Score2/3

Weight21.07%

1M Return3.94%

Total profit / EBIT (%)

Value39.98

Score1/3

Weight-17.03%

1M Return-4.45%

Operating revenue (YoY growth rate %)

Value-1.49

Score0/3

Weight-9.45%

1M Return-1.94%

Total assets turnover ratio

Value0.43

Score2/3

Weight23.14%

1M Return4.42%

EBIT / Total operating revenue (%)

Value-2.56

Score1/3

Weight9.92%

1M Return1.87%

Asset-MV

Value-0.48

Score1/3

Weight36.05%

1M Return6.37%

Cash-MV

Value-0.09

Score1/3

Weight-10.66%

1M Return-3.14%

Is YRD fundamentally strong?

YRD scores 6.14/10 on fundamentals and holds a Discounted valuation at present. Backed by its 0.43% ROE, 0.71% net margin, 26.99 P/E ratio, 0.12 P/B ratio, and -97.33% earnings growth, these metrics solidify its Outperform investment rating.