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Yirendai Ltd (NYSE:YRD)
5.24 USD
+0.690 15.165%Sponsored Reports
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| Previous Close (in USD) | 4.55 |
|---|---|
| Change | +0.690 15.165% |
| 52 W H/L (in USD) | 3.850/1.290 |
| EBITDA (in USD) | 2547.609M |
| PE Ratio | 0.97 |
| Volume | 247733 |
| Diluted Eps TTM | 3.14 |
| Total Assets (in USD) | 7739.44M |
|---|---|
| Total Liabilities (in USD) | 2918.008M |
| Revenue TTM (in USD) | 4709.399M |
| Cash (in USD) | 2864.543M |
| Market Cap (in USD) | 268.940 M |
| Revenue Per Share TTM | 53.002 |
| Gross Profit TTM (in USD) | 2657.779M |
Summary
Income Statement
Balance Sheet
Change in Cash
Operating Cash
Dividend Paid
Yirendai Ltd
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.
Employees: 1064
Key Executives
| Sr. No. | Name | Title | Year Born |
|---|---|---|---|
| 1. | Mr. Ning Tang | Exec. Chairman & CEO | 1974 |
| 2. | Ms. Na Mei | Chief Financial Officer | 1981 |
| 3. | Mr. Hui Li | Director of Investor Relations | NA |
| 4. | Dr. George Liu | Chief Risk Officer | 1964 |
| 5. | Ms. Mei Zhao | Chief Exec. Officer of Yiren Credit | NA |
| 6. | Lydia Yu | Investor Relations Officer | NA |
Peers
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) |
|
V
Visa Inc. Class A |
+2.880 0.924% | 310.77 | 31.250 | 25.974 | 16.183 | 13.642 | 16.193 | 23.371 |
|
MA
Mastercard Inc |
+3.900 0.738% | 529.05 | 37.040 | 29.499 | 16.143 | 62.352 | 16.474 | 27.236 |
|
AXP
American Express Company |
-1.320 0.432% | 307 | 17.390 | 14.577 | 2.421 | 4.818 | 0.000 | 0.000 |
|
PYPL
PayPal Holdings Inc |
-0.370 0.426% | 87.55 | 15.530 | 12.610 | 2.284 | 3.230 | 2.137 | 9.315 |
Income Statement
(Currency in USD)| Breakdown | 31-12-2022 | 31-12-2021 | 31-12-2020 | 31-12-2019 | 31-12-2018 |
|---|---|---|---|---|---|
| Income Before Tax | 1203.173M | 1203.173M | -773.359M | 1397.019M | 1160.892M |
| Minority Interest | - | - | - | 0M | 0M |
| Net Income | 1032.984M | 1032.984M | -692.748M | 1155.611M | 966.605M |
| Selling General Administrative | 506.24M | 506.24M | 630.555M | 741.268M | 944.675M |
| Gross Profit | 3717.071M | 3717.071M | 2857.28M | 7951.701M | 4976.425M |
| Reconciled Depreciation | 52.831M | 139.95M | 327.463M | 394.608M | 39.434M |
| Ebit | 1147.383M | 1147.383M | 278.377M | 733.421M | 798.594M |
| Ebitda | 1287.333M | 1287.333M | 605.84M | 1128.029M | 838.028M |
| Depreciation And Amortization | 139.95M | 139.95M | 327.463M | 394.608M | 39.434M |
| Operating Income | 1147.383M | 1147.383M | 278.377M | 733.421M | 838.028M |
| Other Operating Expenses | 3190.596M | 3190.596M | 4011.961M | 7488.755M | 4782.7M |
| Interest Expense | 61.623M | 61.623M | 1051.736M | 661.418M | 71.301M |
| Tax Provision | 300.512M | 170.189M | -80.611M | 239.228M | 194.287M |
| Interest Income | 7.402M | 110.825M | 61.623M | 75.053M | 307.744M |
| Net Interest Income | -26.302M | -73.383M | 61.623M | 73.367M | 71.301M |
| Income Tax Expense | 170.189M | 170.189M | -80.611M | 239.228M | 194.287M |
| Total Revenue | 4477.929M | 4477.929M | 3961.962M | 8616.784M | 5620.728M |
| Total Operating Expenses | 2429.738M | 2429.738M | 2907.279M | 6823.672M | 4138.397M |
| Cost Of Revenue | 760.858M | 760.858M | 1104.682M | 665.083M | 644.303M |
| Total Other Income Expense Net | 55.79M | 55.79M | -1051.736M | 663.598M | 251.563M |
| Net Income From Continuing Ops | 1194.871M | 1032.984M | -692.748M | 1155.611M | 966.605M |
| Net Income Applicable To Common Shares | 1194.871M | 1032.984M | -692.748M | 1155.611M | 1579.81M |
Balance Sheet
(Currency in USD)| Breakdown | 31-12-2022 | 31-12-2021 | 31-12-2020 | 31-12-2019 | 31-12-2018 |
|---|---|---|---|---|---|
| Total Assets | 7739.44M | 7739.44M | 6702.253M | 9757.177M | 7519.026M |
| Intangible Assets | - | - | - | 0M | 0M |
| Other Current Assets | 410.207M | 330.27M | 326.326M | 113.153M | 43.386M |
| Total Liab | 2918.008M | 2918.008M | 2924.589M | 5267.087M | 2398.115M |
| Total Stockholder Equity | 4821.432M | 4821.432M | 3777.664M | 4490.09M | 5120.911M |
| Other Current Liab | 484.813M | 484.813M | 1022.932M | 106.645M | 25.067M |
| Common Stock | 0.123M | 0.123M | 0.121M | 0.121M | 0.077M |
| Capital Stock | 0.129M | 0.123M | 0.121M | 0.121M | 0.077M |
| Retained Earnings | -247.833M | -247.833M | -1257.594M | -533.48M | 3810.73M |
| Good Will | - | - | - | 0M | 0M |
| Other Assets | 172.983M | 17.347M | 82.274M | 205.41M | 329.596M |
| Cash | 2864.543M | 2864.543M | 2469.909M | 3198.086M | 2028.748M |
| Cash And Equivalents | 4271.899M | 2864.543M | 2469.909M | 3198.086M | 2606.939M |
| Total Current Liabilities | 516.257M | 516.257M | 1083.734M | 508.431M | 544.523M |
| Current Deferred Revenue | 12.379M | 12.379M | 50.899M | 358.203M | 275.825M |
| Net Debt | -1763.842M | -1763.842M | -2388.055M | -2915.752M | -1836.329M |
| Short Term Debt | 0M | 0M | 0M | 0M | 213.282M |
| Short Long Term Debt | - | - | - | 0M | 0M |
| Short Long Term Debt Total | 1100.701M | 1100.701M | 81.854M | 282.334M | 192.419M |
| Other Stockholder Equity | 5057.589M | 5057.589M | 5018.029M | 5001.594M | 1293.714M |
| Property Plant Equipment | 111.165M | 183.3M | 252.867M | 529.989M | 266.002M |
| Total Current Assets | 6078.673M | 6078.673M | 5335.061M | 5170.488M | 4168.719M |
| Long Term Investments | 2.7M | 2.2M | 3.286M | 6.627M | 315.641M |
| Short Term Investments | 177.36M | 177.36M | 175.515M | 460.991M | 832.465M |
| Net Receivables | 2955.97M | 2955.97M | 2452.398M | 1440.355M | 1205.343M |
| Long Term Debt | 767.9M | 1028.6M | 500.5M | 18.59M | 192.419M |
| Inventory | - | 102.545M | - | -42.097M | 58.777M |
| Accounts Payable | 19.065M | 19.065M | 9.903M | 43.583M | 30.349M |
| Accumulated Other Comprehensive Income | 11.553M | 11.553M | 17.108M | 21.855M | 16.39M |
| Non Currrent Assets Other | 352.015M | 352.015M | 278.591M | 1333.221M | 729.296M |
| Non Current Assets Total | 1660.767M | 1660.767M | 1367.192M | 4586.689M | 3350.307M |
| Capital Lease Obligations | 35.229M | 72.101M | 81.854M | 282.334M | 0M |
| Long Term Debt Total | 767.9M | 1028.6M | 500.5M | 18.59M | 0M |
Cash Flow
(Currency in USD)| Breakdown | 31-12-2022 | 31-12-2021 | 31-12-2020 | 31-12-2019 | 31-12-2018 |
|---|---|---|---|---|---|
| Investments | 52.559M | -5.206M | -438.597M | 1110.001M | -689.443M |
| Total Cashflows From Investing Activities | 52.559M | -346.507M | -1796.663M | 1110.001M | 3297.648M |
| Total Cash From Financing Activities | 427.446M | 427.446M | 955.448M | -1039.705M | -25.963M |
| Net Income | 1032.984M | 1032.984M | -692.748M | 1155.611M | 966.605M |
| Change In Cash | 238.195M | 238.195M | -561.994M | 234.658M | -1531.957M |
| Begin Period Cash Flow | 2707.148M | 2707.148M | 3269.142M | 3034.484M | 3662.868M |
| End Period Cash Flow | 2945.343M | 2945.343M | 2707.148M | 3269.142M | 2130.911M |
| Total Cash From Operating Activities | 158.192M | 158.192M | 282.028M | 246.293M | -820.182M |
| Depreciation | 139.95M | 139.95M | 327.463M | 394.608M | 39.434M |
| Other Cashflows From Investing Activities | 53.441M | -346.507M | 725.593M | 472.682M | 3016.312M |
| Dividends Paid | - | - | 0M | 0M | 106.626M |
| Change To Inventory | -946.526M | -946.526M | -198.407M | -755.031M | -502.994M |
| Sale Purchase Of Stock | -2.75M | -2.75M | -3.05M | -36.843M | -0.254M |
| Other Cashflows From Financing Activities | 579.157M | 579.157M | 988.954M | -599.25M | -111.502M |
| Capital Expenditures | 9.404M | 9.404M | 13.722M | 48.005M | 52.22M |
| Change In Working Capital | -1441.408M | -1441.408M | -548.885M | -2793.159M | -2332.925M |
| Other Non Cash Items | 37.442M | 37.442M | 143.988M | -3.866M | -247.645M |
| Free Cash Flow | 148.788M | 148.788M | 268.306M | 198.288M | -872.402M |
Funds
| Sr. No. | Name | Purchased On | Shares |
|---|---|---|---|
| 1. | DFA Emerging Markets Small Cap I | 1 year ago | 236427 |
| 2. | DFA Emerging Markets Core Equity I | 1 year ago | 201906 |
| 3. | DFA Emerging Markets Value I | 1 year ago | 131369 |
| 4. | DFA Emerging Markets Social Core Port | 1 year ago | 43144 |
| 5. | Haas invest4 innovation S | 1 year ago | 40000 |
| 6. | Rainbow Emerging Markets Equities | 1 year ago | 40000 |
| 7. | PMC Diversified Equity | 1 year ago | 36509 |
| 8. | DFA World ex US Core Equity Instl | 1 year ago | 28141 |
| 9. | Dimensional Emerging Mkts Val EUR Acc | 1 year ago | 23657 |
| 10. | Dimensional Emerg Mkt Trgtd Val USD Acc | 1 year ago | 21535 |
| 11. | DFA Emerging Markets Trgt Val Instl | 1 year ago | 15061 |
| 12. | Dimensional EM Core Equity Acc | 1 year ago | 13667 |
| 13. | DFA International Core Equity Class F | 1 year ago | 10871 |
| 14. | Acadian Global Small-Cap Equity CIT Cl A | 1 year ago | 8239 |
| 15. | Acadian Sust EMkts Eq EF Fuel UCITS AGBP | 1 year ago | 5596 |
| 16. | Acadian EM Fossil Fuel Free Composite | 1 year ago | 5596 |
| 17. | JHVIT Emerging Markets Value NAV | 1 year ago | 5014 |
| 18. | ActivePassive International Equity ETF | 1 year ago | 2943 |
| 19. | QRG QP: Factor EM ADR VQ | 1 year ago | 1420 |
| 20. | JHancock Emerging Markets NAV | 1 year ago | 1046 |
Institutions
| Sr. No. | Name | Purchased On | Shares |
|---|---|---|---|
| 1. | Dimensional Fund Advisors, Inc. | 1 year ago | 793226 |
| 2. | Renaissance Technologies Corp | 1 year ago | 254565 |
| 3. | Acadian Asset Management LLC | 1 year ago | 97499 |
| 4. | Connor Clark & Lunn Inv Mgmt Ltd | 1 year ago | 57425 |
| 5. | Citadel Advisors Llc | 1 year ago | 41929 |
| 6. | Morgan Stanley - Brokerage Accounts | 1 year ago | 24522 |
| 7. | Susquehanna International Group, LLP | 1 year ago | 13135 |
| 8. | Envestnet Asset Management Inc | 1 year ago | 11255 |
| 9. | Mercer Global Advisors Inc. | 1 year ago | 10200 |
| 10. | AXA SA | 1 year ago | 6397 |
| 11. | JPMorgan Chase & Co | 1 year ago | 850 |
| 12. | Group One Trading, LP | 1 year ago | 526 |
| 13. | Advisor Group Holdings, Inc. | 1 year ago | 383 |
| 14. | SIMPLEX TRADING, LLC | 1 year ago | 12 |
| 15. | Royal Bank of Canada | 1 year ago | 0 |
| 16. | UBS Group AG | 1 year ago | 0 |
| 17. | BNP Paribas Arbitrage, SA | 1 year ago | 0 |
| 18. | Virtu Financial LLC | 1 year ago | 0 |
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