Added to YB: 2025-03-04
Pitch date: 2025-03-01
YRD [bullish]
Yiren Digital Ltd.
-32.13%
current return
Author Info
No bio for this author
Company Info
Yiren Digital Ltd. provides financial services through an AI-powered platform in China. Its platform provides a suite of financial and lifestyle services.
Market Cap
$4.3B
Pitch Price
$6.47
Price Target
N/A
Dividend
5.84%
EV/EBITDA
0.22
P/E
2.41
EV/Sales
0.10
Sector
Consumer Finance
Category
value
Yiren Digital Ltd. - $YRD
YRD: China consumer finance co, pivoted from P2P to institutional funding. Strong growth post-reg crackdown. Trades <0.5x P/B, <3x P/E. Main biz: loan facilitation (4% fee), guarantee services (new risk), insurance brokerage. Risks: competition, credit exposure, regulation. Conservative est: $320M annual profit vs $600M mkt cap. P/E <2x, P/B ~0.5x.
Read full article (11 min)