Yiren Digital Ltd. (YRD) is a Financial - Credit Services company in the Financial Services sector, currently trading at $2.00. It has a SharesGrow Score of 66/100, indicating a above average investment profile with 3 out of 7 criteria passed.
SharesGrow calculates the intrinsic value of YRD = $166.62 (+8231% from the current price, the stock appears undervalued).
Valuation: YRD trades at a trailing Price-to-Earnings (P/E) of 9.5 (S&P 500 average ~25).
Financials: revenue is $5.6B, +19%/yr average growth. Net income is $39M, growing at -15.8%/yr. Net profit margin is 0.7% (thin). Gross margin is 85.8% (+8.4 pp trend).
Balance sheet: total debt is $40M against $9.3B equity (Debt-to-Equity (D/E) ratio 0, conservative). Debt-to-assets is 0.3%. Total assets: $13.5B.
Analyst outlook: 0 / 8 analysts rate YRD as buy (0%) — mixed sentiment.
SharesGrow 7-Criteria breakdown: Value 100/100 (Pass), Growth 48/100 (Partial), Past 100/100 (Pass), Health 100/100 (Pass), Moat 62/100 (Partial), Future 20/100 (Fail), Income 30/100 (Fail).
