Educational tool only – Scores are based on historical data and financial metrics for informational purposes. This is not financial advice or a recommendation to buy or sell any security. Always conduct your own research or consult a qualified financial adviser.
We don't have enough public data on YRD to score it reliably yet — Reward, Risk, Forecasts and Dividends tabs aren't available for this stock. The price chart and basic profile are still shown.
OTC / ADR stock — scores and fundamentals use data tagged in USD by our provider. The issuer may report in a different home currency (e.g. JPY), so treat figures as directional rather than precise.
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The overview tab requires fundamentals and price history we don't have for this stock. The price chart is the most reliable view we have — try the Chart tab.
Market Performance
Stock returned +10.0% over the past year, broadly in line with market conditions.
Analyst Target
Analyst consensus price target: $2.03.
What is Yirendai Ltd?
provides financial services through an AI-powered platform in China.
YRD · Verdict
Strong reward · low risk
YRD scores well on balance sheet and valuation with no major weaknesses flagged in the model.
Based on 88% data coverage
YRD · Verdict
What’s working & what to watch
Strengths 5
Balance sheet100/100
Current ratio 5.61
Valuation95/100
P/E 3.1× · PEG 1.24
Cash flow89/100
24% free-cash-flow margin
Profitability83/100
27% net margin · 13% ROE
Growth72/100
Rev +9.0% CAGR · earnings +15.3%
No major weaknesses flagged.
Model-based scoring. For information only — not financial advice.
What is Yirendai Ltd?
provides financial services through an AI-powered platform in China. Its platform provides a suite of financial and lifestyle services. The company is listed on the NYSE in USA, operating in the Financial Services sector, with a market capitalisation of 451.91M, and a P/E ratio of 1.8x.
Financial Highlights
Investment Breakdown
📈 Growth
Revenue and earnings growing steadily, indicating improving operating performance.
💰 Profitability
Strong margins and consistent earnings support financial stability.
⚠️ Risk
Below-average volatility supports a steadier risk profile.
💸 Valuation
Currently trading below intrinsic value estimates, suggesting upside potential.
Analysis
Reward: High (72)
The scoring profile indicates a strong reward potential, driven primarily by valuation and profitability. Risk indicators are low, suggesting a relatively contained downside profile.
For informational purposes only. Not financial advice.
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Analysis