Yirendai Ltd (YRD) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Yirendai Ltd stock (YRD) is currently trading at $1.81. Yirendai Ltd PE ratio is 26.14. Yirendai Ltd PS ratio (Price-to-Sales) is 0.03. Analyst consensus price target for YRD is $2.03. WallStSmart rates YRD as Sell.
- YRD PE ratio analysis and historical PE chart
- YRD PS ratio (Price-to-Sales) history and trend
- YRD intrinsic value — DCF, Graham Number, EPV models
- YRD stock price prediction 2025 2026 2027 2028 2029 2030
- YRD fair value vs current price
- YRD insider transactions and insider buying
- Is YRD undervalued or overvalued?
- Yirendai Ltd financial analysis — revenue, earnings, cash flow
- YRD Piotroski F-Score and Altman Z-Score
- YRD analyst price target and Smart Rating
Yirendai
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YRD Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Yirendai Ltd (YRD)
YRD trades 675% above its Graham fair value of $0.48, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Yirendai Ltd (YRD) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, price/sales, price/book. Concerns around return on equity and operating margin. Mixed signals suggest waiting for clearer direction before acting.
Yirendai Ltd (YRD) Key Strengths (3)
Paying less than $1 for every $1 of annual revenue
Trading below book value, meaning the market prices it less than net assets
Good growth relative to its price
Supporting Valuation Data
Yirendai Ltd (YRD) Areas to Watch (7)
Revenue declining -34.10%, a shrinking business
Earnings declining -10.20%, profits shrinking
Very low returns on shareholder equity
Near-zero operating margins, business under pressure
Very thin margins, barely profitable
Very low institutional interest at 3.36%
Small-cap company with higher risk but more growth potential
Supporting Valuation Data
Yirendai Ltd (YRD) Detailed Analysis Report
Overall Assessment
This company scores 42/100 in our Smart Analysis, earning a D grade. Out of 10 metrics analyzed, 3 register as strengths (avg 9.3/10) while 7 fall into concern territory (avg 1.6/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Price/Sales, Price/Book, PEG Ratio. Valuation metrics including PEG Ratio (1.24), Price/Sales (0.03), Price/Book (0.11) suggest the stock is attractively priced.
The Bear Case
The primary concerns are Revenue Growth, EPS Growth, Return on Equity. Growth concerns include Revenue Growth at -34.10%, EPS Growth at -10.20%, which may limit upside. Profitability pressure is visible in Return on Equity at 0.43%, Operating Margin at 4.10%, Profit Margin at 0.71%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 0.43% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at -34.10% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a higher risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Fundamental challenges outweigh strengths at current levels. Revenue Growth and EPS Growth are the primary drags. Consider waiting for meaningful improvement before committing capital.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
YRD Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
YRD's Price-to-Sales ratio of 0.03x trades at a deep discount to its historical average of 0.28x (5th percentile). The current valuation is 98% below its historical high of 1.8x set in Oct 2016, and 39% above its historical low of 0.02x in Oct 2022. Over the past 12 months, the PS ratio has compressed from ~0.1x as trailing revenue scaled faster than the stock price.
WallStSmart Analysis Synopsis
Data-driven financial summary for Yirendai Ltd (YRD) · FINANCIAL SERVICES › CREDIT SERVICES
The Big Picture
Yirendai Ltd operates as a stable business with moderate growth and solid fundamentals. Revenue reached 5.7B with 34% decline year-over-year. Profit margins are thin at 0.7%, typical for companies in this phase that are reinvesting heavily in growth.
Key Findings
Debt-to-equity ratio of 0.01 indicates a conservative balance sheet with 3.9B in cash.
Revenue contracted 34% YoY. Worth determining whether this is cyclical or structural.
ROE of 0.4% suggests the company isn't efficiently converting equity into profits.
What to Watch Next
Margin expansion: can Yirendai Ltd push profit margins above 15% as the business scales?
Dividend sustainability with a current yield of 24.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor CREDIT SERVICES industry trends, competitive moves, and regulatory changes that could impact Yirendai Ltd.
Bottom Line
Yirendai Ltd offers stability with moderate growth and solid fundamentals. The valuation may present an opportunity for patient investors, though limited growth means returns will likely come from dividends and modest capital appreciation rather than explosive gains.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
Data sourced from SEC Form 4 filings
Last updated: 10:10:30 AM
About Yirendai Ltd(YRD)
NYSE
FINANCIAL SERVICES
CREDIT SERVICES
China
Yiren Digital Ltd., is an online consumer finance marketplace connecting borrowers and investors in the People's Republic of China.