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STOCKS

Yiren Digital Ltd Sponsored ADR (YRD)

NYSE:YRD

YRD

Yiren Digital

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Yiren Digital (YRD) Ratios

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Yiren Digital Ratios

YRD's free cash flow for Q3 2024 was ¥0.86. For the 2024 fiscal year, YRD's free cash flow was decreased by ¥ and operating cash flow was ¥0.23. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	5.14	6.68	5.14	11.77	4.92
Quick Ratio	5.14	6.68	5.14	12.73	4.92
Cash Ratio	2.63	4.01	2.63	5.55	2.28
Solvency Ratio	0.50	0.95	0.50	0.40	-0.12
Operating Cash Flow Ratio	1.14	1.50	1.14	0.31	0.26
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	0.00
Net Current Asset Value	¥ 5.83B	¥ 7.46B	¥ 5.83B	¥ 3.16B	¥ 2.41B
Leverage Ratios
Debt-to-Assets Ratio	0.09	<0.01	0.09	0.14	0.01
Debt-to-Equity Ratio	0.13	<0.01	0.13	0.23	0.02
Debt-to-Capital Ratio	0.12	<0.01	0.12	0.19	0.02
Long-Term Debt-to-Capital Ratio	0.11	0.00	0.11	0.18	0.00
Financial Leverage Ratio	1.42	1.27	1.42	1.61	1.77
Debt Service Coverage Ratio	0.00	0.00	0.00	18.83	0.00
Interest Coverage Ratio	0.00	0.00	0.00	18.62	0.00
Debt to Market Cap	0.95	0.00	0.95	0.67	0.00
Interest Debt Per Share	9.42	0.27	9.42	13.75	0.91
Net Debt to EBITDA	-2.32	-2.22	-2.32	-1.33	-8.61
Profitability Margins
Gross Profit Margin	77.38%	80.06%	77.38%	83.01%	72.12%
EBIT Margin	42.85%	53.00%	42.85%	28.75%	-1.26%
EBITDA Margin	43.62%	53.15%	43.62%	29.71%	7.00%
Operating Profit Margin	42.93%	53.00%	42.93%	25.62%	7.03%
Pretax Profit Margin	43.54%	54.04%	43.54%	26.87%	-19.52%
Net Profit Margin	34.79%	42.49%	34.79%	23.07%	-17.48%
Continuous Operations Profit Margin	34.79%	42.49%	34.79%	23.07%	-17.48%
Net Income Per EBT	79.90%	78.64%	79.90%	85.85%	89.58%
EBT Per EBIT	101.41%	101.95%	101.41%	104.86%	-277.81%
Return on Assets (ROA)	14.00%	20.24%	14.00%	13.35%	-10.34%
Return on Equity (ROE)	19.81%	25.73%	19.81%	21.42%	-18.34%
Return on Capital Employed (ROCE)	21.33%	29.38%	21.33%	15.88%	4.95%
Return on Invested Capital (ROIC)	17.04%	21.72%	17.04%	13.64%	4.44%
Return on Tangible Assets	14.05%	20.32%	14.05%	15.60%	-11.77%
Earnings Yield	148.25%	212.60%	148.25%	67.28%	-35.26%
Efficiency Ratios
Receivables Turnover	1.70	2.44	1.70	1.21	1.51
Payables Turnover	54.92	31.59	54.92	39.91	111.55
Inventory Turnover	776.84M	0.00	776.84M	-1.54	1.10B
Fixed Asset Turnover	30.90	70.39	30.90	24.43	15.67
Asset Turnover	0.40	0.48	0.40	0.58	0.59
Working Capital Turnover Ratio	0.56	0.66	0.56	0.91	0.89
Cash Conversion Cycle	208.13	137.99	208.13	56.42	237.90
Days of Sales Outstanding	214.77	149.54	214.77	302.15	241.18
Days of Inventory Outstanding	<0.01	0.00	<0.01	-236.58	<0.01
Days of Payables Outstanding	6.65	11.55	6.65	9.15	3.27
Operating Cycle	214.77	149.54	214.77	65.57	241.18
Cash Flow Ratios
Operating Cash Flow Per Share	21.68	24.57	21.68	1.87	3.13
Free Cash Flow Per Share	21.67	24.52	21.67	1.76	2.98
CapEx Per Share	0.01	0.05	0.01	0.11	0.15
Free Cash Flow to Operating Cash Flow	1.00	1.00	1.00	0.94	0.95
Dividend Paid and CapEx Coverage Ratio	2.10K	488.53	2.10K	16.82	20.55
Capital Expenditure Coverage Ratio	2.10K	488.53	2.10K	16.82	20.55
Operating Cash Flow Coverage Ratio	2.30	91.81	2.30	0.14	3.45
Operating Cash Flow to Sales Ratio	0.54	0.44	0.54	0.04	0.07
Free Cash Flow Yield	229.36%	110.71%	229.36%	9.69%	13.66%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	0.67	0.47	0.67	1.49	-2.84
Price-to-Sales (P/S) Ratio	0.23	0.20	0.23	0.34	0.50
Price-to-Book (P/B) Ratio	0.13	0.12	0.13	0.32	0.52
Price-to-Free Cash Flow (P/FCF) Ratio	0.44	0.45	0.44	10.32	7.32
Price-to-Operating Cash Flow Ratio	0.44	0.45	0.44	9.71	6.97
Price-to-Earnings Growth (PEG) Ratio	0.04	<0.01	0.04	>-0.01	0.02
Price-to-Fair Value	0.13	0.12	0.13	0.32	0.52
Enterprise Value Multiple	-1.78	-1.84	-1.78	-0.17	-1.53
Enterprise Value	-2.66B	-3.81B	-2.66B	-228.46M	-423.37M
EV to EBITDA	-1.78	-1.46	-1.78	-0.17	-1.53
EV to Sales	-0.78	-0.78	-0.78	-0.05	-0.11
EV to Free Cash Flow	-1.44	-1.76	-1.44	-1.54	-1.58
EV to Operating Cash Flow	-1.44	-1.76	-1.44	-1.44	-1.50
Tangible Book Value Per Share	70.32	91.06	70.32	57.05	41.90
Shareholders’ Equity Per Share	70.71	91.49	70.71	57.05	41.90
Tax and Other Ratios
Effective Tax Rate	0.20	0.21	0.20	0.14	0.10
Revenue Per Share	40.27	55.40	40.27	52.98	43.95
Net Income Per Share	14.01	23.54	14.01	12.22	-7.68
Tax Burden	0.80	0.79	0.80	0.86	0.90
Interest Burden	1.02	1.02	1.02	0.93	15.47
Research & Development to Revenue	0.04	0.03	0.04	0.05	0.00
SG&A to Revenue	0.12	0.05	0.12	0.11	0.16
Stock-Based Compensation to Revenue	<0.01	<0.01	<0.01	<0.01	<0.01
Income Quality	1.55	1.04	1.55	0.15	-0.41

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