YRD PE Ratio & Valuation,Is YRD Overvalued

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 0.00 is considered Fairly compared with the five-year average of 2.06. The fair price of Yiren Digital Ltd (YRD) is between NaN to NaN according to relative valuation methord.

Relative Value

Fair Zone

NaN-NaN

Current Price：4.33

Fair

0.00

-0.15

EV/EBITDA

Yiren Digital Ltd. (YRD) has a current EV/EBITDA of -0.15. The 5-year average EV/EBITDA is -1.26. The thresholds are as follows: Strongly Undervalued below -6.01, Undervalued between -6.01 and -3.63, Fairly Valued between 1.12 and -3.63, Overvalued between 1.12 and 3.50, and Strongly Overvalued above 3.50. The current Forward EV/EBITDA of -0.15 falls within the Historic Trend Line -Fairly Valued range.

-0.48

EV/EBIT

Yiren Digital Ltd. (YRD) has a current EV/EBIT of -0.48. The 5-year average EV/EBIT is -1.44. The thresholds are as follows: Strongly Undervalued below -6.39, Undervalued between -6.39 and -3.91, Fairly Valued between 1.03 and -3.91, Overvalued between 1.03 and 3.50, and Strongly Overvalued above 3.50. The current Forward EV/EBIT of -0.48 falls within the Historic Trend Line -Fairly Valued range.

0.09

Yiren Digital Ltd. (YRD) has a current PS of 0.09. The 5-year average PS is 0.27. The thresholds are as follows: Strongly Undervalued below -0.06, Undervalued between -0.06 and 0.11, Fairly Valued between 0.43 and 0.11, Overvalued between 0.43 and 0.59, and Strongly Overvalued above 0.59. The current Forward PS of 0.09 falls within the Undervalued range.

0.00

P/OCF

Yiren Digital Ltd. (YRD) has a current P/OCF of 0.00. The 5-year average P/OCF is -2.81. The thresholds are as follows: Strongly Undervalued below -10.32, Undervalued between -10.32 and -6.56, Fairly Valued between 0.94 and -6.56, Overvalued between 0.94 and 4.69, and Strongly Overvalued above 4.69. The current Forward P/OCF of 0.00 falls within the Historic Trend Line -Fairly Valued range.

0.32

P/FCF

Yiren Digital Ltd. (YRD) has a current P/FCF of 0.32. The 5-year average P/FCF is 0.27. The thresholds are as follows: Strongly Undervalued below -0.18, Undervalued between -0.18 and 0.05, Fairly Valued between 0.50 and 0.05, Overvalued between 0.50 and 0.73, and Strongly Overvalued above 0.73. The current Forward P/FCF of 0.32 falls within the Historic Trend Line -Fairly Valued range.

Yiren Digital Ltd (YRD) has a current Price-to-Book (P/B) ratio of 0.26. Compared to its 3-year average P/B ratio of 0.33 , the current P/B ratio is approximately -21.39% higher. Relative to its 5-year average P/B ratio of 0.34, the current P/B ratio is about -25.57% higher. Yiren Digital Ltd (YRD) has a Forward Free Cash Flow (FCF) yield of approximately 0.00%. Compared to its 3-year average FCF yield of 63.68%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 58.64% , the current FCF yield is about -100.00% lower.

0.26

P/B

Median3y

0.33

Median5y

0.34

46.65

FCF Yield

Median3y

63.68

Median5y

58.64

Competitors Valuation Multiple

The average P/S ratio for YRD's competitors is , providing a benchmark for relative valuation. Yiren Digital Ltd Corp (YRD) exhibits a P/S ratio of , which is NaN% above the industry average. Given its robust revenue growth of 10.66%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

Revenue Growth

Market Cap

Performance Decomposition

Market capitalization of YRD decreased by 9.79% over the past 1 year. The primary factor behind the change was an increase in Revenue Growth from 1.27B to 1.41B.

The secondary factor is the P/E Change, contributed -1.22%to the performance.

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

10.66%

1.27B → 1.41B

Revenue Growth

-19.23%

27.92 → 22.55

Margin Expansion

-1.22%

2.13 → 2.11

P/E Change

-9.79%

4.80 → 4.33

Mkt Cap Growth

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Frequently Asked Questions

Is Yiren Digital Ltd (YRD) currently overvalued or undervalued?

What is Yiren Digital Ltd (YRD) fair value?

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. The fair price of Yiren Digital Ltd (YRD) is between NaN to NaN according to relative valuation methord.

How does YRD's valuation metrics compare to the industry average?

What is the current P/B ratio for Yiren Digital Ltd (YRD) as of Dec 16 2025?

As of Dec 16 2025, Yiren Digital Ltd (YRD) has a P/B ratio of 0.26. This indicates that the market values YRD at 0.26 times its book value.

What is the current FCF Yield for Yiren Digital Ltd (YRD) as of Dec 16 2025?

As of Dec 16 2025, Yiren Digital Ltd (YRD) has a FCF Yield of 0.00%. This means that for every dollar of Yiren Digital Ltd’s market capitalization, the company generates 0.00 cents in free cash flow.

What is the current Forward P/E ratio for Yiren Digital Ltd (YRD) as of Dec 16 2025?

As of Dec 16 2025, Yiren Digital Ltd (YRD) has a Forward P/E ratio of 0.00. This means the market is willing to pay $0.00 for every dollar of Yiren Digital Ltd’s expected earnings over the next 12 months.

What is the current Forward P/S ratio for Yiren Digital Ltd (YRD) as of Dec 16 2025?

As of Dec 16 2025, Yiren Digital Ltd (YRD) has a Forward P/S ratio of 0.00. This means the market is valuing YRD at $0.00 for every dollar of expected revenue over the next 12 months.

YRD Valuation