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 2.09. 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：4.59
Fair
0.00
PE
1Y
3Y
5Y
Trailing
Forward
-0.13
EV/EBITDA
Yiren Digital Ltd. (YRD) has a current EV/EBITDA of -0.13. 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 3.49, and Strongly Overvalued above 3.49. The current Forward EV/EBITDA of -0.13 falls within the Historic Trend Line -Fairly Valued range.
-0.42
EV/EBIT
Yiren Digital Ltd. (YRD) has a current EV/EBIT of -0.42. The 5-year average EV/EBIT is -1.44. The thresholds are as follows: Strongly Undervalued below -6.39, Undervalued between -6.39 and -3.92, Fairly Valued between 1.03 and -3.92, Overvalued between 1.03 and 3.50, and Strongly Overvalued above 3.50. The current Forward EV/EBIT of -0.42 falls within the Historic Trend Line -Fairly Valued range.
0.10
PS
Yiren Digital Ltd. (YRD) has a current PS of 0.10. The 5-year average PS is 0.27. The thresholds are as follows: Strongly Undervalued below -0.05, Undervalued between -0.05 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 0.10 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 -2.80. The thresholds are as follows: Strongly Undervalued below -10.33, Undervalued between -10.33 and -6.56, Fairly Valued between 0.96 and -6.56, Overvalued between 0.96 and 4.72, and Strongly Overvalued above 4.72. The current Forward P/OCF of 0.00 falls within the Historic Trend Line -Fairly Valued range.
0.33
P/FCF
Yiren Digital Ltd. (YRD) has a current P/FCF of 0.33. The 5-year average P/FCF is 0.27. The thresholds are as follows: Strongly Undervalued below -0.19, Undervalued between -0.19 and 0.04, Fairly Valued between 0.50 and 0.04, Overvalued between 0.50 and 0.73, and Strongly Overvalued above 0.73. The current Forward P/FCF of 0.33 falls within the Historic Trend Line -Fairly Valued range.
Yiren Digital Ltd (YRD) has a current Price-to-Book (P/B) ratio of 0.27. Compared to its 3-year average P/B ratio of 0.32 , the current P/B ratio is approximately -15.36% higher. Relative to its 5-year average P/B ratio of 0.34, the current P/B ratio is about -20.44% 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 65.33%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 58.55% , the current FCF yield is about -100.00% lower.
0.27
P/B
Median3y
0.32
Median5y
0.34
44.36
FCF Yield
Median3y
65.33
Median5y
58.55
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 19.48%, this premium appears unsustainable.
P/S
P/E
EV/EBITDA
EV/EBIT
P/S
Revenue Growth
Market Cap
Performance Decomposition
1Y
3Y
5Y
Market capitalization of YRD decreased by 5.42% 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 2.02%to the performance.
Overall, the performance of YRD in the past 1 year is driven by Revenue Growth. Which is more sustainable.
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FAQ
Is Yiren Digital Ltd (YRD) currently overvalued or undervalued?
What is Yiren Digital Ltd (YRD) fair value?
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What is the current P/B ratio for Yiren Digital Ltd (YRD) as of Dec 05 2025?
What is the current FCF Yield for Yiren Digital Ltd (YRD) as of Dec 05 2025?
What is the current Forward P/E ratio for Yiren Digital Ltd (YRD) as of Dec 05 2025?