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About the company
Yiren Digital Ltd is a holding company mainly engaged in the operation of a digital personal financial management platform, and the provision of holistic wealth solutions, credit and financial solutions to individual borrowers and small business owners. The Company operates through three segments. The Yiren Wealth segment is engaged in the operation of a wealth solution platform for the mass affluent population and provides comprehensive wealth solutions. The Yiren Credit segment is engaged in the operation of a credit-tech platform that provides individual borrowers and small business owners with a full spectrum of online and offline, multi-channel loan products. The Others segment is engaged in the electronic commerce business that provides products such as skin care and beauty, electronics and appliances and allow users to finance purchases through loan products, while providing customized non-financial products and services. The Company is also engaged in the insurance business.
- Revenue in USD (TTM)678.24m
- Net income in USD288.19m
- Incorporated2014
- Employees1.06k
- LocationYiren Digital Ltd10/F, Building 9,91 Jianguo Road, Chaoyang DistrictBEIJING 100022ChinaCHN
- Phone+86 1 052361830
- Websitehttps://ir.yiren.com/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Lesaka Technologies Inc | 551.33m | -23.73m | 310.37m | 2.30k | -- | 1.82 | 111.12 | 0.5630 | -0.3924 | -0.3924 | 9.10 | 2.68 | 0.944 | 15.76 | 16.06 | 239,394.30 | -3.50 | -15.07 | -4.45 | -19.88 | 21.55 | 23.42 | -3.71 | -39.23 | 1.41 | 0.252 | 0.4625 | -- | 137.17 | 2.81 | 20.06 | -- | 11.43 | -- |
| LexinFintech Holdings Ltd - ADR | 1.81bn | 147.68m | 330.08m | 4.27k | 2.43 | 0.2385 | -- | 0.1825 | 0.8046 | 0.8046 | 9.99 | 8.20 | 0.5688 | 195.24 | 2.61 | 423,837.00 | 4.64 | 7.03 | 10.10 | 15.32 | 34.56 | 38.77 | 8.16 | 12.58 | 1.50 | 3.36 | 0.3604 | 1.91 | 32.35 | 11.44 | 30.03 | -11.62 | 33.45 | -- |
| NewtekOne Inc | 217.22m | 43.66m | 346.77m | 528.00 | 7.74 | 1.48 | 7.51 | 1.60 | 1.81 | 1.81 | 8.94 | 10.28 | 0.1574 | -- | 4.42 | 411,393.90 | 3.28 | 5.04 | 5.26 | 5.74 | 91.41 | -- | 20.82 | 33.12 | -- | 0.9825 | 0.8222 | 99.33 | 42.08 | 17.02 | 41.98 | 5.16 | -6.09 | -16.74 |
| Atlanticus Holdings Corp | 486.62m | 77.54m | 354.40m | 386.00 | 5.63 | 0.8512 | 4.37 | 0.7283 | 4.25 | 4.25 | 25.86 | 37.61 | 0.1885 | -- | -- | 1,260,661.00 | 3.95 | 6.58 | 4.19 | 7.02 | 54.12 | 67.67 | 20.94 | 23.62 | -- | -- | 0.7883 | 0.00 | -0.7545 | 19.52 | -29.74 | 58.12 | 23.62 | -- |
| Greystone Housing Impact Investors LP | 102.33m | 43.44m | 356.55m | 0.00 | 8.09 | 1.05 | 8.00 | 3.48 | 1.89 | 1.89 | 4.46 | 18.37 | 0.0663 | -- | 9.11 | -- | 3.10 | 3.05 | 3.33 | 3.42 | 36.58 | 56.90 | 46.78 | 50.30 | -- | -- | 0.70 | 68.38 | 29.39 | 3.50 | -28.95 | 5.71 | 8.41 | 0.9772 |
| Qudian Inc (ADR) | 17.50m | 5.42m | 371.23m | 305.00 | 244.39 | 0.2722 | -- | 21.21 | 0.008 | 0.008 | 0.0799 | 7.20 | 0.01 | -- | 9.76 | 57,386.86 | 0.3102 | 6.15 | 0.3276 | 6.94 | -26.73 | 89.41 | 30.98 | 30.14 | -- | -- | 0.00 | 0.00 | -78.12 | -56.04 | 110.81 | -56.43 | 32.11 | -- |
| Ares Commercial Real Estate Corp | 200.59m | -44.75m | 372.28m | 2.80k | -- | 0.6184 | -- | 1.86 | -0.8278 | -0.8278 | 3.69 | 11.04 | 0.0881 | -- | -- | 71,638.93 | -1.96 | 1.02 | -1.98 | 1.03 | 36.44 | 50.13 | -22.31 | 13.74 | -- | -- | 0.7111 | 268.35 | 17.20 | 11.36 | -230.49 | -- | -- | 2.62 |
| Sezzle Inc | 171.66m | 13.38m | 389.52m | 251.00 | 30.18 | 13.08 | 27.31 | 2.27 | 2.28 | 2.28 | 29.72 | 5.26 | 0.9832 | -- | 1.83 | 683,912.30 | 7.66 | -20.29 | 14.96 | -41.95 | 75.09 | 67.62 | 7.79 | -31.96 | -- | 1.84 | 0.7077 | -- | 26.91 | 149.99 | 118.63 | -- | 29.91 | -- |
| Yiren Digital Ltd - ADR | 678.24m | 288.19m | 446.61m | 1.06k | 1.56 | 0.3987 | 1.54 | 0.6585 | 3.23 | 3.23 | 7.59 | 12.64 | 0.5205 | -- | 13.60 | -- | 22.11 | 10.63 | 27.36 | 16.04 | 80.06 | 83.23 | 42.49 | 18.68 | -- | -- | 0.00 | -- | 42.54 | -16.29 | 74.09 | 5.66 | -- | -- |
| Invesco Mortgage Capital Inc | 283.14m | -29.41m | 458.96m | 0.00 | -- | 0.9149 | -- | 1.62 | -0.7023 | -0.7023 | 6.12 | 16.09 | 0.0518 | -- | 11.52 | -- | -0.1499 | -3.24 | -1.00 | -17.75 | 8.82 | 42.75 | -2.90 | -102.42 | -- | 0.6945 | 0.8483 | -- | 34.60 | -14.82 | 91.00 | -- | -- | -35.59 |
| Runway Growth Finance Corp | 164.91m | 44.40m | 462.61m | 0.00 | 10.69 | -- | 10.42 | 2.81 | 1.10 | 1.10 | 4.07 | -- | 0.1496 | -- | -- | -- | 4.03 | 5.28 | 4.11 | 6.03 | 52.13 | 62.06 | 26.93 | 43.18 | -- | 2.29 | 0.4734 | 72.58 | 52.40 | 51.23 | 37.49 | 30.41 | -- | -- |
| Green Dot Corporation | 1.54bn | -24.54m | 529.99m | 1.20k | -- | 0.6087 | 8.67 | 0.3448 | -0.468 | -0.468 | 29.18 | 16.38 | 0.3072 | -- | 47.81 | 1,280,780.00 | -0.4904 | 1.23 | -2.81 | 4.96 | -- | -- | -1.60 | 3.58 | -- | 1.83 | 0.8131 | 0.00 | 3.57 | 7.10 | -89.50 | -43.71 | 4.47 | -- |
| CompoSecure Inc | 399.32m | 20.90m | 534.32m | 922.00 | 6.83 | -- | 4.19 | 1.34 | 0.9704 | 0.9704 | 8.54 | -9.86 | 2.00 | 3.54 | 10.75 | 433,105.20 | 59.53 | -- | -- | -- | 52.82 | -- | 29.76 | -- | 2.25 | 5.22 | 2.46 | -- | 3.21 | -- | 3.12 | -- | -- | -- |
| EZCORP Inc | 1.11bn | 78.42m | 558.21m | 7.50k | 9.80 | 0.6985 | 5.01 | 0.5020 | 1.04 | 1.04 | 13.03 | 14.55 | 0.7593 | 2.96 | 16.71 | 148,256.10 | 5.36 | 0.4886 | 6.01 | 0.5558 | 58.31 | 58.39 | 7.05 | 0.7045 | 3.23 | -- | 0.3121 | 0.00 | 18.37 | 5.25 | -23.32 | -2.13 | -0.0138 | -- |
| DigiAsia Corp | 0.00 | -63.56k | 565.04m | -- | -- | 17.76 | 1,495.25 | -- | -0.0059 | -0.0059 | 0.00 | 0.5242 | 0.00 | -- | -- | -- | -0.0544 | -- | -0.056 | -- | -- | -- | -- | -- | -- | -- | 0.1845 | -- | -- | -- | -100.64 | -- | -- | -- |
| Velocity Financial Inc | 338.81m | 58.07m | 586.49m | 253.00 | 10.54 | 1.29 | 9.85 | 1.73 | 1.69 | 1.69 | 9.73 | 13.73 | 0.08 | -- | 13.47 | 1,339,158.00 | 1.39 | 1.07 | 1.55 | 1.14 | 90.60 | 93.93 | 17.38 | 13.64 | -- | 1.41 | 0.8987 | 0.00 | 28.92 | 20.43 | 62.42 | 46.51 | -36.19 | -- |
Data as of May 18 2024. Currency figures normalised to Yiren Digital Ltd's reporting currency: US Dollar USD
2.61%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Dimensional Fund Advisors LPas of 31 Mar 2024 | 930.31k | 1.09% |
| Acadian Asset Management LLCas of 31 Mar 2024 | 407.14k | 0.48% |
| Renaissance Technologies LLCas of 31 Dec 2023 | 248.37k | 0.29% |
| RFG Advisory LLCas of 31 Mar 2024 | 158.59k | 0.19% |
| Connor, Clark & Lunn Investment Management Ltd.as of 31 Mar 2024 | 138.13k | 0.16% |
| Morgan Stanley & Co. LLCas of 31 Dec 2023 | 107.83k | 0.13% |
| Aperio Group LLCas of 31 Mar 2024 | 80.03k | 0.09% |
| Axxion SA (Luxembourg)as of 30 Apr 2024 | 60.00k | 0.07% |
| Banco BTG Pactual SA (Investment Management)as of 31 Mar 2024 | 49.44k | 0.06% |
| Millennium Management LLCas of 31 Dec 2023 | 47.02k | 0.06% |
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Data from 31 Dec 2023 - 30 Apr 2024Source: FactSet Research Systems Inc.
