Yirendai Financials

YRD Stock  USD 4.85  0.01  0.21%   
Based on the key indicators obtained from Yirendai's historical financial statements, Yirendai is performing exceptionally good at the present time. It has a great chance to report excellent financial results in December. At present, Yirendai's Total Current Liabilities is projected to increase significantly based on the last few years of reporting. The current year's Total Stockholder Equity is expected to grow to about 8.5 B, whereas Other Liabilities is forecasted to decline to about 288.4 M. Key indicators impacting Yirendai's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio0.07650.11
Way Down
Slightly volatile
Current Ratio5.736.6848
Fairly Down
Slightly volatile
Investors should never underestimate Yirendai's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor Yirendai's cash flow, debt, and profitability to make informed and accurate decisions about investing in Yirendai.

Cash And Equivalents

2.87 Billion

  
Understanding current and past Yirendai Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Yirendai's financial statements are interrelated, with each one affecting the others. For example, an increase in Yirendai's assets may result in an increase in income on the income statement.
Please note, the presentation of Yirendai's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Yirendai's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Yirendai's management manipulating its earnings.

Yirendai Stock Summary

Yirendai competes with Lexinfintech Holdings, FinVolution, 360 Finance, Navient Corp, and Sentage Holdings. Yiren Digital Ltd., through its subsidiaries, operates as an online consumer finance marketplace that connects borrowers and investors in the Peoples Republic of China. Yiren Digital Ltd. is a subsidiary of Creditease Holdings Limited. Yirendai operates under Credit Services classification in the United States and is traded on New York Stock Exchange. It employs 3797 people.
Specialization
Financial Services, Financial Services
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINUS98585L1008
CUSIP98585L100
LocationChina
Business AddressChina Merchants Bureau
SectorConsumer Finance
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.yiren.com
Phone86 10 5964 4552
CurrencyUSD - US Dollar

Yirendai Key Financial Ratios

Yirendai Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets7.5B9.8B6.7B7.7B10.3B6.5B
Other Current Liab106.6M655.8M484.8M144.6M949.8M997.3M
Other Liab2.5B175.9M181.3M264.0M303.6M288.4M
Net Tangible Assets4.5B3.8B4.8B6.0B6.9B7.3B
Retained Earnings3.8B(533.5M)(1.3B)(247.8M)3.0B3.1B
Accounts Payable30.3M43.6M9.9M19.1M43.8M22.6M
Cash2.0B3.2B2.5B2.9B5.8B6.1B
Other Assets205.4M82.3M17.3M173.0M155.7M217.2M
Net Receivables1.2B1.4B2.5B3.0B2.0B1.5B
Other Current Assets113.2M1.4B330.3M574.0M1.5B1.5B
Total Liab2.4B5.3B2.9B2.9B2.2B2.7B
Total Current Assets4.2B5.2B5.3B6.1B9.7B10.1B
Common Stock76K77K121K123K130K123.5K
Net Debt(1.8B)(2.9B)(2.4B)(1.8B)(5.8B)(5.5B)
Long Term Debt18.6M500.5M1.0B767.9M883.1M927.2M
Long Term Debt Total18.6M500.5M1.0B767.9M883.1M927.2M
Capital Surpluse5.0B5.1B5.1B5.2B5.9B6.2B
Inventory(42.1M)1.0102.5M(493.2M)(76.1M)(72.3M)

Yirendai Key Income Statement Accounts

201920202021202220232024 (projected)
Interest Expense71.3M661.4M1.1B61.6M70.9M67.3M
Total Revenue8.6B4.0B4.5B3.4B4.9B4.1B
Gross Profit8.0B2.9B3.7B2.7B3.9B3.6B
Operating Income733.4M278.4M1.1B1.5B2.6B2.7B
Ebit733.4M(50.0M)1.1B1.4B2.6B2.7B
Ebitda1.1B277.5M1.3B1.5B2.6B2.7B
Cost Of Revenue665.1M1.1B760.9M776.8M976.2M567.6M
Income Before Tax1.4B(773.4M)1.2B1.5B2.6B2.8B
Net Income1.2B(692.7M)1.0B1.2B2.1B2.2B
Income Tax Expense239.2M(80.6M)170.2M300.5M565.2M593.4M
Tax Provision239.2M(80.6M)170.2M300.5M583.6M612.8M
Interest Income75.1M61.6M110.8M7.4M8.5M8.1M
Net Interest Income73.4M61.6M(73.4M)(26.3M)54.3M31.3M

Yirendai Key Cash Accounts

201920202021202220232024 (projected)
Investments1.1B(438.6M)(5.2M)52.6M100.0M105.0M
Change In Cash234.7M(562.0M)238.2M1.4B1.7B1.8B
Free Cash Flow198.3M268.3M148.8M1.8B2.2B2.3B
Depreciation394.6M327.5M140.0M52.8M25.4M24.2M
Other Non Cash Items(3.9M)144.0M37.4M284.0M352.1M369.7M
Capital Expenditures48.0M13.7M9.4M882K4.4M4.2M
Net Income1.2B(692.7M)1.0B1.2B2.1B2.2B
End Period Cash Flow3.3B2.7B2.9B4.4B6.1B6.4B
Change To Netincome1.5B1.2B426.7M196.6M226.0M437.2M
Net Borrowings435.4M843.4M501.4M(399.7M)(359.7M)(341.7M)
Change To Inventory(503.0M)(755.0M)(198.4M)(946.5M)(851.9M)(809.3M)

Yirendai Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Yirendai's current stock value. Our valuation model uses many indicators to compare Yirendai value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Yirendai competition to find correlations between indicators driving Yirendai's intrinsic value. More Info.
Yirendai is rated first in return on equity category among its peers. It is rated first in return on asset category among its peers reporting about  0.63  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Yirendai is roughly  1.58 . At present, Yirendai's Return On Equity is projected to increase slightly based on the last few years of reporting. Comparative valuation analysis is a catch-all technique that is used if you cannot value Yirendai by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

Yirendai Systematic Risk

Yirendai's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Yirendai volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was three with a total number of output elements of fifty-eight. The Beta measures systematic risk based on how returns on Yirendai correlated with the market. If Beta is less than 0 Yirendai generally moves in the opposite direction as compared to the market. If Yirendai Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Yirendai is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Yirendai is generally in the same direction as the market. If Beta > 1 Yirendai moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Yirendai Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Yirendai's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Yirendai growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.014

At present, Yirendai's Price Earnings To Growth Ratio is projected to slightly decrease based on the last few years of reporting.

Yirendai November 25, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Yirendai help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Yirendai. We use our internally-developed statistical techniques to arrive at the intrinsic value of Yirendai based on widely used predictive technical indicators. In general, we focus on analyzing Yirendai Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Yirendai's daily price indicators and compare them against related drivers.

Complementary Tools for Yirendai Stock analysis

When running Yirendai's price analysis, check to measure Yirendai's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Yirendai is operating at the current time. Most of Yirendai's value examination focuses on studying past and present price action to predict the probability of Yirendai's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Yirendai's price. Additionally, you may evaluate how the addition of Yirendai to your portfolios can decrease your overall portfolio volatility.
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