Yiren Digital Ltd. (YRD) intrinsic value & 10-year financials
Yiren Digital Ltd. (YRD) has no Graham intrinsic value right now because the formula needs positive earnings. Over the last 10 fiscal years revenue grew 6.5% a year to CNY 5.7B, with an average return on invested capital of 9.9%.
- Graham intrinsic value
- —
- Share price (Oct 27, 2026)
- CNY 0.57
- Market cap
- CNY 99.6M
- Revenue (FY2025)
- CNY 5.7B
- Revenue growth (10-yr CAGR)
- 6.5%
- ROIC (10-yr avg)
- 9.9%
- Free cash flow (FY2025)
- CNY 677.9M
YRD 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | CNY 5.7B | CNY 54.5M | CNY 0.31 | CNY 677.9M | -103.9% | -50.1% |
| FY2024 | CNY 5.8B | CNY 1.6B | CNY 9.06 | CNY 1.4B | 31.5% | — |
| FY2023 | CNY 4.9B | CNY 2.1B | CNY 11.64 | CNY 2.2B | 56.8% | — |
| FY2022 | CNY 3.4B | CNY 1.2B | CNY 6.81 | CNY 1.8B | 47.2% | — |
| FY2021 | CNY 4.5B | CNY 1.0B | CNY 6.06 | CNY 148.8M | — | — |
| FY2020 | CNY 4.0B | -CNY 692.7M | -CNY 3.84 | CNY 268.3M | — | — |
| FY2019 | CNY 8.6B | CNY 1.2B | CNY 6.20 | CNY 226.2M | — | 50.3% |
| FY2018 | CNY 5.6B | CNY 966.6M | CNY 7.78 | -CNY 872.4M | — | 29.4% |
| FY2017 | CNY 5.5B | CNY 1.4B | CNY 11.22 | CNY 2.6B | — | — |
| FY2016 | CNY 3.2B | CNY 1.1B | CNY 9.39 | CNY 2.1B | — | — |
Source: annual 10-K filings on SEC EDGAR. Figures in CNY.
Executive summary
Yiren Digital Ltd. has demonstrated mature, steady growth, with revenue compounding at 6.5% annually over the past decade.
Yiren Digital Ltd. returns on capital have been average, hovering around 9.9% ROIC over the decade.
Yiren Digital Ltd. has not shown aggressive share repurchases (>10% retirement) or a major balance-sheet leverage increase (>50% net debt growth) over the 10-year window.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, Yiren Digital Ltd. is modeled at -31.5% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $-14.67 per share.