YRD
Yiren Digital·NYSE
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4.06 / 10
Netural
YRD's fundamental analysis scores 4.1/10, indicating a defensive setup. Strengths include a favorable Asset-MV ratio (-0.5007) and Total assets turnover ratio (0.2840), but weaknesses are evident in negative year-over-year growth for Operating revenue (-2.3939%) and Total profit (-29.6429%). Profit-MV (4.3002) ranks in the top quartile, hinting at some profitability resilience. Overall, the company appears stable yet growth-constrained.
Analysis Checks(3/10)
Gross profit margin (%)
Value100.00
Score1/3
Weight3.68%
1M Return0.93%
Value100.00
Score1/3
Weight3.68%
1M Return0.93%
Total profit (YoY growth rate %)
Value-29.64
Score0/3
Weight-9.40%
1M Return-3.00%
Value-29.64
Score0/3
Weight-9.40%
1M Return-3.00%
Total profit / EBIT (%)
Value106.40
Score1/3
Weight-21.87%
1M Return-8.91%
Value106.40
Score1/3
Weight-21.87%
1M Return-8.91%
Total assets turnover ratio
Value0.28
Score2/3
Weight19.34%
1M Return4.90%
Value0.28
Score2/3
Weight19.34%
1M Return4.90%
Asset-MV
Value-0.50
Score2/3
Weight77.96%
1M Return13.76%
Value-0.50
Score2/3
Weight77.96%
1M Return13.76%
Profit-MV
Value4.30
Score2/3
Weight12.28%
1M Return2.57%
Value4.30
Score2/3
Weight12.28%
1M Return2.57%
Net profit margin (%)
Value22.85
Score1/3
Weight9.19%
1M Return2.35%
Value22.85
Score1/3
Weight9.19%
1M Return2.35%
Operating revenue (YoY growth rate %)
Value-2.39
Score0/3
Weight-0.06%
1M Return-0.02%
Value-2.39
Score0/3
Weight-0.06%
1M Return-0.02%
EBIT / Total operating revenue (%)
Value21.10
Score1/3
Weight4.62%
1M Return1.22%
Value21.10
Score1/3
Weight4.62%
1M Return1.22%
Cash-MV
Value-0.07
Score1/3
Weight4.26%
1M Return1.33%
Value-0.07
Score1/3
Weight4.26%
1M Return1.33%
Gross profit margin (%)
Value100.00
Score1/3
Weight3.68%
1M Return0.93%
Value100.00
Score1/3
Weight3.68%
1M Return0.93%
Profit-MV
Value4.30
Score2/3
Weight12.28%
1M Return2.57%
Value4.30
Score2/3
Weight12.28%
1M Return2.57%
Total profit (YoY growth rate %)
Value-29.64
Score0/3
Weight-9.40%
1M Return-3.00%
Value-29.64
Score0/3
Weight-9.40%
1M Return-3.00%
Net profit margin (%)
Value22.85
Score1/3
Weight9.19%
1M Return2.35%
Value22.85
Score1/3
Weight9.19%
1M Return2.35%
Total profit / EBIT (%)
Value106.40
Score1/3
Weight-21.87%
1M Return-8.91%
Value106.40
Score1/3
Weight-21.87%
1M Return-8.91%
Operating revenue (YoY growth rate %)
Value-2.39
Score0/3
Weight-0.06%
1M Return-0.02%
Value-2.39
Score0/3
Weight-0.06%
1M Return-0.02%
Total assets turnover ratio
Value0.28
Score2/3
Weight19.34%
1M Return4.90%
Value0.28
Score2/3
Weight19.34%
1M Return4.90%
EBIT / Total operating revenue (%)
Value21.10
Score1/3
Weight4.62%
1M Return1.22%
Value21.10
Score1/3
Weight4.62%
1M Return1.22%
Asset-MV
Value-0.50
Score2/3
Weight77.96%
1M Return13.76%
Value-0.50
Score2/3
Weight77.96%
1M Return13.76%
Cash-MV
Value-0.07
Score1/3
Weight4.26%
1M Return1.33%
Value-0.07
Score1/3
Weight4.26%
1M Return1.33%
Is YRD fundamentally strong?
- YRD scores 4.06/10 on fundamentals and holds a Fair valuation at present. Backed by its 9.28% ROE, 19.92% net margin, 1.96 P/E ratio, 0.23 P/B ratio, and -72.77% earnings growth, these metrics solidify its Netural investment rating.
