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18889881171

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Yirendai Ltd

Financial Services US YRD

7.265USD
-0.185(2.48%)

Last update at 2024-10-07T18:50:00Z

Day Range

7.188.20
LowHigh

52 Week Range

1.293.85
LowHigh

Fundamentals

  • Previous Close 7.45
  • Market Cap268.94M
  • Volume415205
  • P/E Ratio0.97
  • Dividend Yield3.74%
  • EBITDA2547.61M
  • Revenue TTM4709.40M
  • Revenue Per Share TTM53.00
  • Gross Profit TTM 2657.78M
  • Diluted EPS TTM3.14

Financials

Income Statement

Balancesheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax 1203.17M 1203.17M -773.35900M 1397.02M 1160.89M
Minority interest - - - 0.00000M 0.00000M
Net income 1032.98M 1032.98M -692.74800M 1155.61M 966.61M
Selling general administrative 506.24M 506.24M 630.55M 741.27M 944.67M
Selling and marketing expenses 1553.34M 1553.34M 1905.10M 4457.35M 2525.88M
Gross profit 3717.07M 3717.07M 2857.28M 7951.70M 4976.43M
Reconciled depreciation 52.83M 139.95M 327.46M 394.61M 39.43M
Ebit 1147.38M 1147.38M 278.38M 733.42M 798.59M
Ebitda 1287.33M 1287.33M 605.84M 1128.03M 838.03M
Depreciation and amortization 139.95M 139.95M 327.46M 394.61M 39.43M
Non operating income net other - - - 0.00000M 0.00000M
Operating income 1147.38M 1147.38M 278.38M 733.42M 838.03M
Other operating expenses 3190.60M 3190.60M 4011.96M 7488.76M 4782.70M
Interest expense 61.62M 61.62M 1051.74M 661.42M 71.30M
Tax provision 300.51M 170.19M -80.61100M 239.23M 194.29M
Interest income 7.40M 110.83M 61.62M 75.05M 307.74M
Net interest income -26.30200M -73.38300M 61.62M 73.37M 71.30M
Extraordinary items - - - 0.00000M 0.00000M
Non recurring - - - 0.00000M 0.00000M
Other items - - - 0.00000M 0.00000M
Income tax expense 170.19M 170.19M -80.61100M 239.23M 194.29M
Total revenue 4477.93M 4477.93M 3961.96M 8616.78M 5620.73M
Total operating expenses 2429.74M 2429.74M 2907.28M 6823.67M 4138.40M
Cost of revenue 760.86M 760.86M 1104.68M 665.08M 644.30M
Total other income expense net 55.79M 55.79M -1051.73600M 663.60M 251.56M
Discontinued operations - - - 0.00000M 0.00000M
Net income from continuing ops 1194.87M 1032.98M -692.74800M 1155.61M 966.61M
Net income applicable to common shares 1194.87M 1032.98M -692.74800M 1155.61M 1579.81M
Preferred stock and other adjustments - - - 0.00000M 0.00000M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Total assets 7739.44M 7739.44M 6702.25M 9757.18M 7519.03M
Intangible assets - - - 0.00000M 0.00000M
Earning assets - - - - -
Other current assets 410.21M 330.27M 326.33M 113.15M 43.39M
Total liab 2918.01M 2918.01M 2924.59M 5267.09M 2398.11M
Total stockholder equity 4821.43M 4821.43M 3777.66M 4490.09M 5120.91M
Deferred long term liab 0.79M 9.96M 65.53M 160.00M 145.46M
Other current liab 484.81M 484.81M 1022.93M 106.64M 25.07M
Common stock 0.12M 0.12M 0.12M 0.12M 0.08M
Capital stock 0.13M 0.12M 0.12M 0.12M 0.08M
Retained earnings -247.83300M -247.83300M -1257.59400M -533.48000M 3810.73M
Other liab 263.98M 181.33M 175.89M 2489.77M 4038.18M
Good will - - - 0.00000M 0.00000M
Other assets 172.98M 17.35M 82.27M 205.41M 329.60M
Cash 2864.54M 2864.54M 2469.91M 3198.09M 2028.75M
Cash and equivalents 4271.90M 2864.54M 2469.91M 3198.09M 2606.94M
Total current liabilities 516.26M 516.26M 1083.73M 508.43M 544.52M
Current deferred revenue 12.38M 12.38M 50.90M 358.20M 275.82M
Net debt -1763.84200M -1763.84200M -2388.05500M -2915.75200M -1836.32900M
Short term debt 0.00000M 0.00000M 0.00000M 0.00000M 213.28M
Short long term debt - - - 0.00000M 0.00000M
Short long term debt total 1100.70M 1100.70M 81.85M 282.33M 192.42M
Other stockholder equity 5057.59M 5057.59M 5018.03M 5001.59M 1293.71M
Property plant equipment 111.17M 183.30M 252.87M 529.99M 266.00M
Total current assets 6078.67M 6078.67M 5335.06M 5170.49M 4168.72M
Long term investments 2.70M 2.20M 3.29M 6.63M 315.64M
Net tangible assets 6030.81M 4821.43M 3777.66M 4490.09M -363.41300M
Short term investments 177.36M 177.36M 175.51M 460.99M 832.47M
Net receivables 2955.97M 2955.97M 2452.40M 1440.36M 1205.34M
Long term debt 767.90M 1028.60M 500.50M 18.59M 192.42M
Inventory - 102.55M - -42.09700M 58.78M
Accounts payable 19.07M 19.07M 9.90M 43.58M 30.35M
Total permanent equity - - - 0.00000M 0.00000M
Noncontrolling interest in consolidated entity - - - 0.00000M 0.00000M
Temporary equity redeemable noncontrolling interests - - - 0.00000M 0.00000M
Accumulated other comprehensive income 11.55M 11.55M 17.11M 21.86M 16.39M
Additional paid in capital - - - 0.00000M 0.00000M
Common stock total equity - - 0.12M 0.12M 0.08M
Preferred stock total equity - - - 0.00000M 0.00000M
Retained earnings total equity - - - 0.00000M 0.00000M
Treasury stock - - -40.14700M -37.09700M -0.25400M
Accumulated amortization - - - 0.00000M 0.00000M
Non currrent assets other 352.01M 352.01M 278.59M 1333.22M 729.30M
Deferred long term asset charges - - - 0.00000M 0.00000M
Non current assets total 1660.77M 1660.77M 1367.19M 4586.69M 3350.31M
Capital lease obligations 35.23M 72.10M 81.85M 282.33M 0.00000M
Long term debt total 767.90M 1028.60M 500.50M 18.59M 0.00000M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments 52.56M -5.20600M -438.59700M 1110.00M -689.44300M
Change to liabilities -61.35500M 55.58M -396.68300M -260.97400M 649.06M
Total cashflows from investing activities 52.56M -346.50700M -1796.66300M 1110.00M 3297.65M
Net borrowings -399.70000M 501.40M 843.41M 435.42M -248.14000M
Total cash from financing activities 427.45M 427.45M 955.45M -1039.70500M -25.96300M
Change to operating activities 28.88M -642.96500M -833.96500M -2417.91300M -4870.05700M
Net income 1032.98M 1032.98M -692.74800M 1155.61M 966.61M
Change in cash 238.19M 238.19M -561.99400M 234.66M -1531.95700M
Begin period cash flow 2707.15M 2707.15M 3269.14M 3034.48M 3662.87M
End period cash flow 2945.34M 2945.34M 2707.15M 3269.14M 2130.91M
Total cash from operating activities 158.19M 158.19M 282.03M 246.29M -820.18200M
Issuance of capital stock - - - 0.00000M -
Depreciation 139.95M 139.95M 327.46M 394.61M 39.43M
Other cashflows from investing activities 53.44M -346.50700M 725.59M 472.68M 3016.31M
Dividends paid - - 0.00000M 0.00000M 106.63M
Change to inventory -946.52600M -946.52600M -198.40700M -755.03100M -502.99400M
Change to account receivables -185.77700M -185.77700M -135.70000M -1.82800M 12.60M
Sale purchase of stock -2.75000M -2.75000M -3.05000M -36.84300M -0.25400M
Other cashflows from financing activities 579.16M 579.16M 988.95M -599.25000M -111.50200M
Change to netincome 196.56M 426.67M 1196.20M 1517.11M 598.12M
Capital expenditures 9.40M 9.40M 13.72M 48.01M 52.22M
Change receivables - - - 0.00000M 0.00000M
Cash flows other operating - - - 0.00000M 0.00000M
Exchange rate changes - - - 0.00000M 0.00000M
Cash and cash equivalents changes - - - 0.00000M 0.00000M
Change in working capital -1441.40800M -1441.40800M -548.88500M -2793.15900M -2332.92500M
Stock based compensation 19.09M 19.09M 14.17M 43.94M 85.19M
Other non cash items 37.44M 37.44M 143.99M -3.86600M -247.64500M
Free cash flow 148.79M 148.79M 268.31M 198.29M -872.40200M

Peer Comparison

Sector: Financial Services Industry: Credit Services

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x) Enterprise Value to EBITDA (x)
YRD
Yirendai Ltd		 -0.185 2.48% 7.26 0.97 3.07 0.06 0.25 0.0013 -0.2191
V
Visa Inc. Class A		 -4.64 1.67% 273.29 31.25 25.97 16.18 13.64 16.19 23.37
MA
Mastercard Inc		 -6.46 1.30% 491.24 37.04 29.50 16.14 62.35 16.47 27.24
AXP
American Express Company		 -3.9 1.41% 272.07 17.39 14.58 2.42 4.82
PYPL
PayPal Holdings Inc		 0.34 0.43% 79.70 15.53 12.61 2.28 3.23 2.14 9.31

Reports Covered

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Profile

Yiren Digital Ltd., through its subsidiaries, operates as an online consumer finance marketplace that connects borrowers and investors in the People's Republic of China. The company operates through Wealth, Credit, and Other segments. It offers loan facilitation services; and post-origination services, such as cash processing, collection, and SMS services. It also distributes short-term cash management and insurance products. In addition, the company offers consultancy; information technology support; referral; and IT, system maintenance, and customer support services. Further, it involved in the provision of services for financing lease; and insurance brokerage and electronic commerce businesses. The company offers its products through a wealth management website and mobile application. The company was formerly known as Yirendai Ltd. and changed its name to Yiren Digital Ltd. in September 2019. Yiren Digital Ltd. was founded in 2012 and is based in Beijing, the People's Republic of China. Yiren Digital Ltd. operates as a subsidiary of Creditease Holdings (Cayman) Limited.

Yirendai Ltd

Hanwei Plaza, Beijing, China, 100022

Key Executives

Name Title Year Born
Mr. Ning Tang Exec. Chairman & CEO 1974
Ms. Na Mei Chief Financial Officer 1981
Mr. Hui Li Director of Investor Relations NA
Dr. George Liu Chief Risk Officer 1964
Ms. Mei Zhao Chief Exec. Officer of Yiren Credit NA
Lydia Yu Investor Relations Officer NA

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