Yirendai is a credit services business based in the US. Yirendai shares (YRD) are listed on the NYSE and all prices are listed in US Dollars. Its last market close was $4.86 – a decrease of 17.91% over the previous week. Yirendai employs 754 staff and has a trailing 12-month revenue of around $5.5 billion.
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| Latest market close | $4.86 |
|---|---|
| 52-week range | $2.43 - $9.20 |
| 50-day moving average | $5.65 |
| 200-day moving average | $5.05 |
| Wall St. target price | $2.03 |
| PE ratio | 1.8734 |
| Dividend yield | $0 (3.35%) |
| Earnings per share (TTM) | $3.16 |
The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.
This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.
Historical closes compared with the close of $5.93 from 2024-11-19
| 1 week (2024-11-14) | 0.17% |
|---|---|
| 1 month (2024-10-21) | 5.93 |
| 3 months (2024-08-21) | 28.35% |
| 6 months (2024-05-21) | 23.28% |
| 1 year (2023-11-21) | 101.02% |
|---|---|
| 2 years (2022-11-21) | 340.53% |
| 3 years (2021-11-19) | 81.40% |
| 5 years (2019-11-21) | 17.48% |
Valuing Yirendai stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Yirendai's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.
Yirendai's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 2x. In other words, Yirendai shares trade at around 2x recent earnings.
That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.
Yirendai's "price/earnings-to-growth ratio" can be calculated by dividing its P/E ratio by its growth – to give 1.24. A low ratio can be interpreted as meaning the shares offer better value, while a higher ratio can be interpreted as meaning the shares offer worse value.
The PEG ratio provides a broader view than just the P/E ratio, as it gives more insight into Yirendai's future profitability. By accounting for growth, it could also help you if you're comparing the share prices of multiple high-growth companies.
Yirendai's EBITDA (earnings before interest, taxes, depreciation and amortisation) is $2.7 billion.
The EBITDA is a measure of a Yirendai's overall financial performance and is widely used to measure a its profitability.
| Revenue TTM | $5.5 billion |
|---|---|
| Operating margin TTM | 47.92% |
| Gross profit TTM | $2.7 billion |
| Return on assets TTM | 16.06% |
| Return on equity TTM | 25.34% |
| Profit margin | 37.02% |
| Book value | $103.73 |
| Market Capitalization | $514.7 million |
TTM: trailing 12 months
Dividend payout ratio: 6.21% of net profits
Recently Yirendai has paid out, on average, around 0% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 0% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), Yirendai shareholders could enjoy a 0% return on their shares, in the form of dividend payments. In Yirendai's case, that would currently equate to about $0 per share.
While Yirendai's payout ratio might seem low, this can signify that Yirendai is investing more in its future growth.
Yirendai's most recent dividend payout was on 14 October 2024. The latest dividend was paid out to all shareholders who bought their shares by 29 September 2024 (the "ex-dividend date").
Over the last 12 months, Yirendai's shares have ranged in value from as little as $2.4325 up to $9.2. A popular way to gauge a stock's volatility is its "beta".
Beta is a measure of a share's volatility in relation to the market. The market (NYSE average) beta is 1, while Yirendai's is 0.724. This would suggest that Yirendai's shares are less volatile than average (for this exchange).
Yiren Digital Ltd. provides financial services through an AI-powered platform in China. Its platform provides a suite of financial and lifestyle services. The company offers financial services, which provides a portfolio of loan products to borrowers; insurance brokerage services; and consumption and lifestyle services, including non-financial products and services to meet various consumer needs. It supports clients at various growth stages, addressing financing needs arising from consumption and production activities, and augmenting the well-being and security of individuals, families, and businesses. The company was formerly known as Yirendai Ltd. and changed its name to Yiren Digital Ltd.
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