Historical Valuation
Yiren Digital Ltd (YRD) is now in the Undervalued zone, suggesting that its current forward PS ratio of 0.08 is considered Undervalued compared with the five-year average of 2.03. The fair price of Yiren Digital Ltd (YRD) is between 17.84 to 31.24 according to relative valuation methord. Compared to the current price of 4.08 USD , Yiren Digital Ltd is Undervalued By 77.13%.
Relative Value
Fair Zone
17.84-31.24
Current Price：4.08
77.13%
Undervalued
P/E
EV/EBITDA
EV/EBIT
P/S
P/OCF
P/FCF
1Y
3Y
5Y
Trailing
Forward
Yiren Digital Ltd (YRD) has a current Price-to-Book (P/B) ratio of 0.23. Compared to its 3-year average P/B ratio of 0.33 , the current P/B ratio is approximately -31.03% higher. Relative to its 5-year average P/B ratio of 0.34, the current P/B ratio is about -33.87% higher. Yiren Digital Ltd (YRD) has a Forward Free Cash Flow (FCF) yield of approximately 53.94%. Compared to its 3-year average FCF yield of 61.08%, the current FCF yield is approximately -11.70% lower. Relative to its 5-year average FCF yield of 59.04% , the current FCF yield is about -8.65% lower.
P/B
Median3y
0.33
Median5y
0.34
FCF Yield
Median3y
61.08
Median5y
59.04
Competitors Valuation Multiple
AI Analysis for YRD
The average P/S ratio for YRD competitors is 1.15, providing a benchmark for relative valuation. Yiren Digital Ltd Corp (YRD.N) exhibits a P/S ratio of 0.08, which is -93.1% above the industry average. Given its robust revenue growth of 10.66%, this premium appears unsustainable.
Performance Decomposition
AI Analysis for YRD
1Y
3Y
5Y
Market capitalization of YRD increased by 0.00% over the past 1 year. The primary factor behind the change was an decrease in Unknown from 0.00 to 0.00.
The secondary factor is the Unknown, contributed 0.00%to the performance.
Overall, the performance of YRD in the past 1 year is driven by Unknown.
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Frequently Asked Questions
Is YRD currently overvalued or undervalued?
Yiren Digital Ltd (YRD) is now in the Undervalued zone, suggesting that its current forward PS ratio of 0.08 is considered Undervalued compared with the five-year average of 2.03. The fair price of Yiren Digital Ltd (YRD) is between 17.84 to 31.24 according to relative valuation methord. Compared to the current price of 4.08 USD , Yiren Digital Ltd is Undervalued By 77.13% .
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 17.84 to 31.24 according to relative valuation methord.
How does YRD's valuation metrics compare to the industry average?
The average P/S ratio for YRD's competitors is 1.15, providing a benchmark for relative valuation. Yiren Digital Ltd Corp (YRD) exhibits a P/S ratio of 0.08, which is -93.10% above the industry average. Given its robust revenue growth of 10.66%, this premium appears unsustainable.
What is the current P/B ratio for Yiren Digital Ltd (YRD) as of Jan 10 2026?
As of Jan 10 2026, Yiren Digital Ltd (YRD) has a P/B ratio of 0.23. This indicates that the market values YRD at 0.23 times its book value.
What is the current FCF Yield for Yiren Digital Ltd (YRD) as of Jan 10 2026?
As of Jan 10 2026, Yiren Digital Ltd (YRD) has a FCF Yield of 53.94%. This means that for every dollar of Yiren Digital Ltd’s market capitalization, the company generates 53.94 cents in free cash flow.
What is the current Forward P/E ratio for Yiren Digital Ltd (YRD) as of Jan 10 2026?
As of Jan 10 2026, 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 Jan 10 2026?
As of Jan 10 2026, Yiren Digital Ltd (YRD) has a Forward P/S ratio of 0.08. This means the market is valuing YRD at $0.08 for every dollar of expected revenue over the next 12 months.