Yiren Digital Ltd. - Understand $yrd stock

$YRD Market Cap: $428.9 Million

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Financial Snapshot

Revenue

$5.628B

TTM

Gross Margin

84.55%

TTM

Net Earnings

$1.822B

TTM

Current Assets

$10.40B

Q3 2024

Current Liabilities

$2.177B

Q3 2024

Current Ratio

477.66%

Q3 2024

Total Assets

$12.46B

Q3 2024

Total Liabilities

$3.173B

Q3 2024

Book Value

$9.285B

Q3 2024

Cash

$3.706B

Q3 2024

P/E

0.2354

Nov 29, 2024 EST

Free Cash Flow

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013
Revenue	$4.896B	$3.435B	$4.478B	$3.962B	$8.776B	$11.91B	$5.543B	$3.238B	$1.314B	$196.0M	$19.00M
YoY Change	42.54%	-23.3%	13.02%	-54.85%	-26.3%	114.83%	71.19%	146.42%	570.41%	931.58%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013
Revenue	$4.896B	$3.435B	$4.478B	$3.962B	$8.776B	$11.91B	$5.543B	$3.238B	$1.314B	$196.0M	$19.00M
Cost Of Revenue	$976.2M	$776.8M	$760.9M	$1.105B	$665.0M	$1.061B	$418.0M	$180.0M	$98.00M	$22.00M	$8.000M
Gross Profit	$3.919B	$2.658B	$3.717B	$2.857B	$8.111B	$10.85B	$5.125B	$3.058B	$1.216B	$175.0M	$12.00M
Gross Profit Margin	80.06%	77.38%	83.01%	72.11%	92.42%	91.09%	92.46%	94.44%	92.54%	89.29%	63.16%

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013
Selling, General & Admin	$1.176B	$1.186B	$2.430B	$2.907B	$6.824B	$9.407B	$3.448B	$1.973B	$817.0M	$202.0M	$63.00M
YoY Change	-0.84%	-51.19%	-16.42%	-57.4%	-27.46%	172.82%	74.76%	141.49%	304.46%	220.63%
% of Gross Profit	30.0%	44.62%	65.37%	101.75%	84.13%	86.72%	67.28%	64.52%	67.19%	115.43%	525.0%
Research & Development	$148.8M	$151.9M	$208.0M
YoY Change	-2.09%	-26.96%
% of Gross Profit	3.8%	5.72%	5.6%
Depreciation & Amortization	$7.116M	$26.43M	$43.24M	$91.80M	$125.9M	$148.0M	$23.70M		$3.600M	$1.100M	$400.0K
YoY Change	-73.08%	-38.87%	-52.9%	-27.08%	-14.93%	524.47%			227.27%	175.0%
% of Gross Profit	0.18%	0.99%	1.16%	3.21%	1.55%	1.36%	0.46%		0.3%	0.63%	3.33%
Operating Expenses	$1.325B	$1.186B	$2.430B	$2.907B	$6.824B	$9.407B	$3.448B	$1.973B	$817.0M	$202.0M	$63.00M
YoY Change	11.7%	-51.19%	-16.42%	-57.4%	-27.46%	172.82%	74.76%	141.49%	304.46%	220.63%
Operating Profit	$2.595B	$1.472B	$1.287B	-$50.00M	$1.287B	$1.440B	$1.677B	$1.085B	$399.0M	-$27.00M	-$51.00M
YoY Change	76.29%	14.33%	-2674.67%	-103.89%	-10.63%	-14.13%	54.56%	171.93%	-1577.78%	-47.06%

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015
Interest Expense	$30.58M	-$7.402M	-$110.8M	-$82.00M	$75.00M	$308.0M	$75.00M	$17.00M	$5.000M
YoY Change	-513.1%	-93.32%	35.15%	-209.33%	-75.65%	310.67%	341.18%	240.0%
% of Operating Profit	1.18%	-0.5%	-8.61%		5.83%	21.39%	4.47%	1.57%	1.25%
Other Income/Expense, Net	$20.00M	$30.92M	$26.67M	$15.00M	$32.00M	$26.00M	$1.000M	$1.000M
YoY Change	-35.32%	15.96%	77.77%	-53.13%	23.08%	2500.0%	0.0%

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013
Pretax Income	$2.645B	$1.495B	$1.203B	-$773.0M	$1.395B	$1.774B	$1.753B	$1.102B	$404.0M	-$28.00M	-$51.00M
YoY Change	76.9%	24.29%	-255.65%	-155.41%	-21.36%	1.2%	59.07%	172.77%	-1542.86%	-45.1%
Income Tax	$565.2M	$300.5M	$170.2M	-$81.00M	$239.0M	$194.0M	$381.0M	-$14.00M	$129.0M	$0.00	$0.00
% Of Pretax Income	21.36%	20.1%	14.15%		17.13%	10.94%	21.73%	-1.27%	31.93%
Net Earnings	$2.080B	$1.195B	$1.033B	-$693.0M	$1.156B	$1.580B	$1.372B	$1.116B	$275.0M	-$28.00M	-$51.00M
YoY Change	74.09%	15.67%	-249.06%	-159.95%	-26.84%	15.16%	22.94%	305.82%	-1082.14%	-45.1%
Net Earnings / Revenue	42.49%	34.79%	23.07%	-17.49%	13.17%	13.27%	24.75%	34.47%	20.93%	-14.29%	-268.42%
Basic Earnings Per Share	$11.77	$6.84	$6.11	-$3.84	$6.24
Diluted Earnings Per Share	$11.64	$6.81	$6.055M	-$3.850M	$6.182M	$8.495M	$11.25M	$9.300M	$2.350M	-$239.3K	-$435.9K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013
Cash & Short-Term Investments	$5.791B	$4.272B	$2.865B	$2.470B	$3.198B	$2.607B	$1.857B	$968.0M	$848.0M	$1.000M	$0.00
YoY Change	35.57%	49.13%	15.97%	-22.76%	22.67%	40.39%	91.84%	14.15%	84700.0%
Cash & Equivalents	$5.791B	$4.272B	$2.865B	$2.470B	$3.198B	$2.607B	$1.857B	$968.0M	$848.0M	$1.000M	$0.00
Short-Term Investments
Other Short-Term Assets	$426.5M	$321.4M	$352.0M	$109.0M	$196.0M	$2.552B	$1.069B		$247.0M	$6.000M	$2.000M
YoY Change	32.7%	-8.69%	222.95%	-44.39%	-92.32%	138.73%			4016.67%	200.0%
Inventory
Prepaid Expenses
Receivables	$499.0M	$221.0M	$305.0M	$123.0M	$3.000M	$40.00M	$21.00M		$83.00M	$161.0M	$19.00M
Other Receivables	$820.2M	$1.266B	$879.3M	$1.029B	$1.611B	$1.362B	$118.0M		$87.00M	$224.0M	$6.000M
Total Short-Term Assets	$7.537B	$6.081B	$4.388B	$3.731B	$5.008B	$6.561B	$3.065B	$968.0M	$1.265B	$392.0M	$27.00M
YoY Change	23.95%	38.57%	17.61%	-25.5%	-23.67%	114.06%	216.63%	-23.48%	222.7%	1351.85%
Property, Plant & Equipment	$102.5M	$111.2M	$183.3M	$253.0M	$530.0M	$266.0M	$82.00M		$16.00M	$3.000M	$1.000M
YoY Change	-7.76%	-39.35%	-27.55%	-52.26%	99.25%	224.39%			433.33%	200.0%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments	$524.6M	$975.4M	$179.6M	$179.0M	$468.0M	$1.383B	$973.0M	$1.257B	$30.00M	$6.000M	$2.000M
YoY Change	-46.22%	443.24%	0.31%	-61.75%	-66.16%	42.14%	-22.59%	4090.0%	400.0%	200.0%
Other Assets	$340.7M	$173.0M	$88.19M	$254.0M	$116.0M	$612.0M	$2.607B	$1.218B	$661.0M
YoY Change	96.95%	96.15%	-65.28%	118.97%	-81.05%	-76.52%	114.04%	84.27%
Total Long-Term Assets	$2.740B	$2.456B	$3.351B	$2.971B	$4.636B	$7.691B	$4.454B	$3.815B	$930.0M	$10.00M	$3.000M
YoY Change	11.58%	-26.73%	12.81%	-35.91%	-39.72%	72.68%	16.75%	310.22%	9200.0%	233.33%
Total Assets	$10.28B	$8.536B	$7.739B	$6.702B	$9.644B	$14.25B	$7.519B	$4.783B	$2.195B	$402.0M	$30.00M
YoY Change
Accounts Payable	$30.90M	$14.14M	$19.07M	$10.00M	$44.00M	$307.0M	$34.00M		$5.000M
YoY Change	118.48%	-25.81%	90.65%	-77.27%	-85.67%	802.94%
Accrued Expenses	$1.524B	$1.350B	$1.255B	$986.0M	$1.731B	$2.194B	$1.297B		$289.0M	$13.00M	$4.000M
YoY Change	12.88%	7.6%	27.27%	-43.04%	-21.1%	69.16%			2123.08%	225.0%
Deferred Revenue
YoY Change
Short-Term Debt	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$2.015B	$1.592B	$1.759B	$2.324B	$2.753B	$11.40B	$1.521B	$419.0M	$551.0M	$179.0M	$10.00M
YoY Change	26.58%	-9.48%	-24.32%	-15.58%	-75.86%	649.77%	263.01%	-23.96%	207.82%	1690.0%
Long-Term Debt	$0.00	$767.9M	$1.029B	$501.0M	$19.00M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change	-100.0%	-25.35%	105.31%	2536.84%
Other Long-Term Liabilities	$54.04M	$65.54M	$18.11M	$62.00M	$2.164B	$2.725B	$3.017B	$2.225B	$665.0M
YoY Change	-17.54%	261.87%	-70.79%	-97.13%	-20.59%	-9.68%	35.6%	234.59%
Total Long-Term Liabilities	$54.04M	$833.4M	$1.047B	$563.0M	$2.183B	$2.725B	$3.017B	$2.225B	$665.0M	$0.00	$0.00
YoY Change	-93.52%	-20.38%	85.92%	-74.21%	-19.89%	-9.68%	35.6%	234.59%
Total Liabilities	$2.191B	$2.505B	$2.918B	$2.925B	$5.154B	$14.62B	$4.549B	$2.643B	$1.216B	$179.0M	$11.00M
YoY Change	-12.53%	-14.14%	-0.24%	-43.25%	-64.73%	221.28%	72.12%	117.35%	579.33%	1527.27%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019
Basic Shares Outstanding	176.7M	174.7M	169.0M	180.3M	185.2M
Diluted Shares Outstanding	178.7M	175.4M	170.6M	180.3M	186.5M
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $428.91 Million

About Yiren Digital Ltd.

Yiren Digital Ltd. is an advanced, Al-powered platform providing a comprehensive suite of financial and lifestyle services in China. The company is headquartered in Beijing, Beijing and currently employs 754 full-time employees. The company went IPO on 2015-12-18. The firm 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 firm is also engaged in the insurance business.

Industry: Finance Services Peers: Jiayin Group Inc. LexinFintech Holdings Ltd. Qudian Inc. X Financial