YRD Valuation

Yiren Digital Ltd

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5.230

-0.12(-2.243%)1D

YRD Relative Valuation

YRD's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, YRD is overvalued; if below, it's undervalued.

Historical Valuation

Yiren Digital Ltd (YRD) is now in the Fair zone, suggesting that its current forward PS ratio of 38.06 is considered Fairly compared with the five-year average of 2.15. The fair price of Yiren Digital Ltd (YRD) is between to according to relative valuation methord.

Relative Value

Fair Zone

Current Price：5.30

Fair

0.00

Trailing

Forward

-0.10

EV/EBITDA

Yiren Digital Ltd. (YRD) has a current EV/EBITDA of -0.10. The 5-year average EV/EBITDA is -1.28. The thresholds are as follows: Strongly Undervalued below -6.05, Undervalued between -6.05 and -3.67, Fairly Valued between 1.11 and -3.67, Overvalued between 1.11 and 3.50, and Strongly Overvalued above 3.50. The current Forward EV/EBITDA of -0.10 falls within the Historic Trend Line -Fairly Valued range.

-0.32

EV/EBIT

Yiren Digital Ltd. (YRD) has a current EV/EBIT of -0.32. The 5-year average EV/EBIT is -1.46. The thresholds are as follows: Strongly Undervalued below -6.43, Undervalued between -6.43 and -3.95, Fairly Valued between 1.02 and -3.95, Overvalued between 1.02 and 3.51, and Strongly Overvalued above 3.51. The current Forward EV/EBIT of -0.32 falls within the Historic Trend Line -Fairly Valued range.

38.06

Yiren Digital Ltd. (YRD) has a current PS of 38.06. The 5-year average PS is 0.59. The thresholds are as follows: Strongly Undervalued below -6.34, Undervalued between -6.34 and -2.88, Fairly Valued between 4.05 and -2.88, Overvalued between 4.05 and 7.52, and Strongly Overvalued above 7.52. The current Forward PS of 38.06 falls within the Strongly Overvalued range.

0.00

P/OCF

Yiren Digital Ltd. (YRD) has a current P/OCF of 0.00. The 5-year average P/OCF is -2.79. The thresholds are as follows: Strongly Undervalued below -10.38, Undervalued between -10.38 and -6.59, Fairly Valued between 1.00 and -6.59, Overvalued between 1.00 and 4.79, and Strongly Overvalued above 4.79. The current Forward P/OCF of 0.00 falls within the Historic Trend Line -Fairly Valued range.

0.39

P/FCF

Yiren Digital Ltd. (YRD) has a current P/FCF of 0.39. The 5-year average P/FCF is 0.27. The thresholds are as follows: Strongly Undervalued below -0.20, Undervalued between -0.20 and 0.03, Fairly Valued between 0.50 and 0.03, Overvalued between 0.50 and 0.73, and Strongly Overvalued above 0.73. The current Forward P/FCF of 0.39 falls within the Historic Trend Line -Fairly Valued range.

Yiren Digital Ltd (YRD) has a current Price-to-Book (P/B) ratio of 0.33. Compared to its 3-year average P/B ratio of 0.32 , the current P/B ratio is approximately 2.46% higher. Relative to its 5-year average P/B ratio of 0.35, the current P/B ratio is about -5.15% higher. Yiren Digital Ltd (YRD) has a Forward Free Cash Flow (FCF) yield of approximately 39.66%. Compared to its 3-year average FCF yield of 68.98%, the current FCF yield is approximately -42.51% lower. Relative to its 5-year average FCF yield of 58.68% , the current FCF yield is about -32.42% lower.

0.33

P/B

Median3y

0.32

Median5y

0.35

39.66

FCF Yield

Median3y

68.98

Median5y

58.68

Competitors Valuation Multiple

The average P/S ratio for YRD's competitors is 18.83, providing a benchmark for relative valuation. Yiren Digital Ltd Corp (YRD) exhibits a P/S ratio of 38.06, which is 102.14% above the industry average. Given its robust revenue growth of 19.48%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

So-Young International Inc

Performance Decomposition

Market capitalization of YRD increased by 3.98% over the past 1 year. The primary factor behind the change was an increase in Revenue Growth from 1.25B to 1.49B.

The secondary factor is the P/E Change, contributed 11.42%to the performance.

Overall, the performance of YRD in the past 1 year is driven by Revenue Growth. Which is more sustainable.

19.48%

1.25B → 1.49B

Revenue Growth

-26.92%

32.76 → 23.94

Margin Expansion

11.42%

2.30 → 2.56

P/E Change

3.98%