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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)756.83m
- Net income in USD280.17m
- Incorporated2014
- Employees754.00
- LocationYiren Digital Ltd10/F, Building 9,91 Jianguo Road, Chaoyang DistrictBEIJING 100022ChinaCHN
- Phone+86 1 052361830
- Websitehttps://ir.yiren.com/
Peer analysis
- 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) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| CPI Card Group Inc | 458.38m | 15.48m | 306.88m | 1.45k | 21.02 | -- | 9.66 | 0.6695 | 1.31 | 1.31 | 38.60 | -3.83 | 1.44 | 3.54 | 6.23 | 316,558.70 | 4.88 | 6.77 | 6.03 | 8.61 | 35.78 | 35.75 | 3.38 | 4.65 | 1.42 | 1.73 | 1.18 | 0.00 | -6.56 | 11.69 | -34.36 | -- | 2.60 | -- |
| Regional Management Corp | 575.33m | 23.74m | 308.12m | 2.08k | 12.78 | 0.8738 | 11.68 | 0.5356 | 2.37 | 2.37 | 58.80 | 34.72 | 0.3208 | -- | -- | 276,468.00 | 1.32 | 3.33 | 1.38 | 3.78 | -- | -- | 4.13 | 10.26 | -- | 1.44 | 0.7977 | 15.80 | 8.72 | 12.45 | -68.85 | -14.70 | 12.17 | -- |
| Yiren Digital Ltd - ADR | 756.83m | 280.17m | 538.12m | 754.00 | 1.95 | 0.4331 | 1.91 | 0.711 | 3.17 | 3.17 | 8.57 | 14.29 | 0.5154 | -- | 9.53 | 1,003,755.00 | 19.08 | 10.63 | 23.52 | 16.04 | 83.33 | 83.23 | 37.02 | 18.68 | -- | -- | 0.00 | -- | 42.54 | -16.29 | 74.09 | 5.66 | -49.90 | -- |
| Green Dot Corporation | 1.58bn | -53.83m | 576.38m | 1.20k | -- | 0.6624 | 18.06 | 0.3652 | -1.02 | -1.02 | 29.82 | 16.20 | 0.3128 | -- | 62.65 | 1,315,151.00 | -1.07 | 1.23 | -6.26 | 4.96 | -- | -- | -3.41 | 3.58 | -- | 1.31 | 0.8202 | 0.00 | 3.57 | 7.10 | -89.50 | -43.71 | 4.47 | -- |
| LexinFintech Holdings Ltd - ADR | 1.93bn | 112.40m | 591.89m | 4.27k | 5.51 | 0.4231 | -- | 0.3072 | 0.6539 | 0.6539 | 11.26 | 8.51 | 0.5927 | 175.11 | 2.49 | 451,493.20 | 3.46 | 7.03 | 6.62 | 15.32 | 37.11 | 38.77 | 5.83 | 12.58 | 1.77 | 1.67 | 0.3404 | 1.91 | 32.35 | 11.44 | 30.03 | -11.62 | 33.45 | -- |
| EZCORP Inc | 1.14bn | 78.15m | 644.29m | 7.50k | 11.30 | 0.8039 | 5.79 | 0.5664 | 1.04 | 1.04 | 13.48 | 14.64 | 0.7666 | 2.88 | 16.69 | 151,670.70 | 5.27 | 0.4886 | 6.17 | 0.5558 | 58.57 | 58.39 | 6.87 | 0.7045 | 1.99 | -- | 0.3119 | 0.00 | 18.37 | 5.25 | -23.32 | -2.13 | -0.0138 | -- |
| Atlanticus Holdings Corp | 503.38m | 76.71m | 651.27m | 386.00 | 10.48 | 1.50 | 8.06 | 1.29 | 4.21 | 4.21 | 26.80 | 38.93 | 0.1902 | -- | -- | 1,304,088.00 | 3.82 | 6.58 | 4.08 | 7.02 | 52.14 | 67.67 | 20.10 | 23.62 | -- | -- | 0.7844 | 0.00 | -0.7545 | 19.52 | -29.74 | 58.12 | 23.62 | -- |
| Velocity Financial Inc | 363.60m | 60.67m | 664.50m | 253.00 | 11.50 | 1.41 | 10.70 | 1.83 | 1.75 | 1.75 | 10.33 | 14.24 | 0.0824 | -- | 13.54 | 1,437,158.00 | 1.39 | 1.07 | 1.51 | 1.14 | 90.03 | 93.93 | 16.88 | 13.64 | -- | 1.40 | 0.8997 | 0.00 | 28.92 | 20.43 | 62.42 | 46.51 | -36.19 | -- |
| Lendingtree Inc | 773.05m | -36.49m | 698.03m | 860.00 | -- | 7.40 | -- | 0.903 | -2.71 | -2.71 | 58.30 | 7.05 | 0.9246 | -- | 6.97 | 898,895.40 | -4.36 | -4.13 | -5.49 | -4.90 | 95.54 | 94.20 | -4.72 | -4.74 | -- | 0.5569 | 0.8337 | -- | -31.73 | -2.54 | 34.87 | -- | -3.42 | -- |
| World Acceptance Corp. | 557.95m | 83.80m | 728.37m | 2.87k | 8.46 | 1.72 | 7.70 | 1.31 | 14.71 | 14.71 | 98.17 | 72.36 | 0.5179 | -- | -- | 194,272.70 | 7.78 | 5.10 | 8.85 | 5.87 | 91.78 | 93.52 | 15.02 | 9.31 | -- | -- | 0.5474 | 0.00 | -7.03 | 1.03 | 264.29 | 1.15 | -21.60 | -- |
| Holder | Shares | % Held |
|---|---|---|
| Dimensional Fund Advisors LPas of 30 Sep 2024 | 940.69k | 1.08% |
| Acadian Asset Management LLCas of 30 Jun 2024 | 432.95k | 0.50% |
| Connor, Clark & Lunn Investment Management Ltd.as of 30 Sep 2024 | 256.46k | 0.30% |
| Renaissance Technologies LLCas of 30 Jun 2024 | 246.27k | 0.28% |
| Aperio Group LLCas of 30 Jun 2024 | 109.73k | 0.13% |
| Dimensional Fund Advisors Ltd.as of 30 Sep 2024 | 106.99k | 0.12% |
| Ayalon Mutual Funds Ltd.as of 31 Jul 2024 | 79.78k | 0.09% |
| Andbank Asset Management Luxembourg SAas of 31 Dec 2023 | 50.00k | 0.06% |
| Desjardins Global Asset Management, Inc.as of 30 Jun 2024 | 33.02k | 0.04% |
| Millennium Management LLCas of 30 Jun 2024 | 31.43k | 0.04% |
