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Yiren Digital Ltd. Sponsored Adr (YRD)
:YRD
US Market

Yiren Digital (YRD) Ratios

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Yiren Digital Ratios

YRD's free cash flow for Q3 2025 was ¥0.90. For the 2025 fiscal year, YRD's free cash flow was decreased by ¥ and operating cash flow was ¥0.42. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
8.18 6.68 5.14 11.77 4.92
Quick Ratio
8.18 6.68 5.14 12.73 4.92
Cash Ratio
2.21 4.01 2.63 5.55 2.28
Solvency Ratio
0.25 0.95 0.50 0.40 -0.12
Operating Cash Flow Ratio
0.51 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
¥ 9.20B¥ 7.46B¥ 5.83B¥ 3.16B¥ 2.41B
Leverage Ratios
Debt-to-Assets Ratio
<0.01 <0.01 0.09 0.14 0.01
Debt-to-Equity Ratio
<0.01 <0.01 0.13 0.23 0.02
Debt-to-Capital Ratio
<0.01 <0.01 0.12 0.19 0.02
Long-Term Debt-to-Capital Ratio
<0.01 0.00 0.11 0.18 0.00
Financial Leverage Ratio
1.49 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
<0.01 0.00 0.95 0.67 0.00
Interest Debt Per Share
1.18 0.27 9.42 13.75 0.91
Net Debt to EBITDA
-2.33 -2.22 -2.32 -1.33 -8.61
Profitability Margins
Gross Profit Margin
88.25%80.06%77.38%83.01%72.12%
EBIT Margin
26.18%53.00%42.85%28.75%-1.26%
EBITDA Margin
26.23%53.15%43.62%29.71%7.00%
Operating Profit Margin
26.18%53.00%42.93%25.62%7.03%
Pretax Profit Margin
22.63%54.04%43.54%26.87%-19.52%
Net Profit Margin
20.11%42.49%34.79%23.07%-17.48%
Continuous Operations Profit Margin
20.11%42.49%34.79%23.07%-17.48%
Net Income Per EBT
88.87%78.64%79.90%85.85%89.58%
EBT Per EBIT
86.43%101.95%101.41%104.86%-277.81%
Return on Assets (ROA)
8.12%20.24%14.00%13.35%-10.34%
Return on Equity (ROE)
12.66%25.73%19.81%21.42%-18.34%
Return on Capital Employed (ROCE)
11.92%29.38%21.33%15.88%4.95%
Return on Invested Capital (ROIC)
10.59%21.72%17.04%13.64%4.44%
Return on Tangible Assets
8.12%20.32%14.05%15.60%-11.77%
Earnings Yield
91.64%212.60%148.25%67.28%-35.26%
Efficiency Ratios
Receivables Turnover
1.01 2.44 1.70 1.21 1.51
Payables Turnover
14.54 31.59 54.92 39.91 111.55
Inventory Turnover
0.00 0.00 776.84M -1.54 1.10B
Fixed Asset Turnover
49.84 70.39 30.90 24.43 15.67
Asset Turnover
0.40 0.48 0.40 0.58 0.59
Working Capital Turnover Ratio
0.63 0.66 0.56 0.91 0.89
Cash Conversion Cycle
337.00 137.99 208.13 56.42 237.90
Days of Sales Outstanding
362.11 149.54 214.77 302.15 241.18
Days of Inventory Outstanding
0.00 0.00 <0.01 -236.58 <0.01
Days of Payables Outstanding
25.11 11.55 6.65 9.15 3.27
Operating Cycle
362.11 149.54 214.77 65.57 241.18
Cash Flow Ratios
Operating Cash Flow Per Share
20.20 24.57 21.68 1.87 3.13
Free Cash Flow Per Share
20.20 24.52 21.67 1.76 2.98
CapEx Per Share
0.00 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
0.00 488.53 2.10K 16.82 20.55
Capital Expenditure Coverage Ratio
0.00 488.53 2.10K 16.82 20.55
Operating Cash Flow Coverage Ratio
17.06 91.81 2.30 0.14 3.45
Operating Cash Flow to Sales Ratio
0.14 0.44 0.54 0.04 0.07
Free Cash Flow Yield
65.50%110.71%229.36%9.69%13.66%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
1.09 0.47 0.67 1.49 -2.84
Price-to-Sales (P/S) Ratio
0.22 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
1.53 0.45 0.44 10.32 7.32
Price-to-Operating Cash Flow Ratio
1.55 0.45 0.44 9.71 6.97
Price-to-Earnings Growth (PEG) Ratio
-0.40 <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
-1.50 -1.84 -1.78 -0.17 -1.53
Enterprise Value
-2.46B -3.81B -2.66B -228.46M -423.37M
EV to EBITDA
-1.51 -1.46 -1.78 -0.17 -1.53
EV to Sales
-0.39 -0.78 -0.78 -0.05 -0.11
EV to Free Cash Flow
-2.78 -1.76 -1.44 -1.54 -1.58
EV to Operating Cash Flow
-2.78 -1.76 -1.44 -1.44 -1.50
Tangible Book Value Per Share
236.20 91.06 70.32 57.05 41.90
Shareholders’ Equity Per Share
236.20 91.49 70.71 57.05 41.90
Tax and Other Ratios
Effective Tax Rate
0.11 0.21 0.20 0.14 0.10
Revenue Per Share
142.42 55.40 40.27 52.98 43.95
Net Income Per Share
28.64 23.54 14.01 12.22 -7.68
Tax Burden
0.89 0.79 0.80 0.86 0.90
Interest Burden
0.86 1.02 1.02 0.93 15.47
Research & Development to Revenue
0.07 0.03 0.04 0.05 0.00
SG&A to Revenue
0.05 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
0.88 1.04 1.55 0.15 -0.41
Currency in CNY