What is Yiren Digital Ltd. (YRD)'s fair-value range?

EvidInvest reads Yiren Digital Ltd. (YRD)'s market price back into the assumptions behind it — the implied P/E, growth rate and cash yield — using its latest filed financials, then lets you set your own. See the full DCF, Graham number, EPV and multiple-based methods at https://evidinvest.com/valuation/YRD.

How is Yiren Digital Ltd. (YRD)'s fair value calculated?

Yiren Digital Ltd. (YRD)'s fair value is computed with several independent methods — a discounted cash flow (DCF) model, the Graham number, earnings power value (EPV), and valuation multiples such as PE and EV/EBITDA — using data from SEC filings. P/B is optional for non-financial companies and included in the preset range for financial sectors.

Which filing are Yiren Digital Ltd. (YRD)'s valuation inputs based on?

Inputs come from the FY2025 20-F filed 2026-04-29 (accession 0001213900-26-049159). Source: https://www.sec.gov/Archives/edgar/data/1631761/000121390026049159/

Fair value · Yiren Digital Ltd. (YRD) · updated 2026-10-30 · from 20-F FY2025

Yiren Digital trades at $0.47. That price implies a P/E of 5.3× and 10.0% yearly EPS growth for a decade.

Name: Yiren Digital Ltd. (YRD) valuation inputs and fair-value methods
Creator: EvidInvest
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Cboe · delayed 15 min · as of 20:05 ET

Statements filed in CNY, converted to USD at the 2025-12-31 period-end rate (7.0010 CNY per USD; ECB reference rates). Per-share figures are stated per ADS (2 ordinary shares per ADS) to match the quoted price.

Are those assumptions reasonable? Use YRD’s filed growth history and the AI chat to decide, then set your own inputs below — the range you build is yours.

What the price implies

P/E: 5.3×
EPS growth: 10.0%

Prices and market caps: Cboe delayed data, at least 15 minutes delayed. Not real-time. Fundamentals from company filings. This price: Cboe · delayed 15 min · as of 20:05 ET.

Set your own assumptions ↓See how each method got its number Check another stock

Inputs come from the FY2025 20-F filed 2026-04-29 (accession 0001213900-26-049159); set your own on the sliders below. Research, not investment advice.

The filing behind these numbers

Yiren Digital Ltd.

Revenue: CNY 5.7B
Diluted EPS: CNY 0.31
Free cash flow: CNY 677.9M; operating cash flow − capital expenditure
Diluted shares: 174.7M; weighted average

20-F FY2025 · fiscal year ended 2025-12-31 · filed 2026-04-29 · accession 0001213900-26-049159

Open this filing on sec.gov

Valuation tool: build your own YRD range

Fair Value Summary

Daily Price — YRD

$0.47 -91.1% (1Y)

Range implied by today’s price2 of 8 methods

$0.47 – $0.47

Price $0.47

Bear $0.47Base $0.47Bull $0.47

Range with preset inputs

$1.06 – $1.06

Price $0.47

Bear $1.06Base $1.06Bull $1.06

Every method that could be solved backwards opens on the assumption today’s price makes, so the top range sits on the price — that is arithmetic, not a view. Change any input and it becomes yours.

We don’t tell you what YRD is worth. Every tab OPENS on what today’s price implies for that method’s key assumption; you decide whether that assumption is reasonable — the growth matrix has YRD’s filed history and the AI chat will reason it through with you — and the range you build is yours. Our presets are filed history and reference settings, never a recommendation.

Discounted cash flow

N/A

Starting free cash flow is not positive; the model has nothing to grow.

Preset inputs — revenue-driven DCF from the latest filing

Two-stage FCF model at the same filed inputs: $19.65 — move any slider below and that model takes over.

• Starting free cash flow is not positive; the model has nothing to grow.

Implied by today’s price

The price implies stage-1 FCF growth of -50.0%. Even free cash flow shrinking 50% a year lands above today’s price with the other inputs held; −50% is the edge of what this model can show.

Not solvable from the price — Even free cash flow shrinking 50% a year lands above today’s price with the other inputs held; −50% is the edge of what this model can show. Showing preset inputs.

That is the assumption the market is making — not ours, and not a recommendation. Decide whether it is reasonable: the growth matrix shows what YRD has actually filed, and the AI chat will reason it through with you.

Your inputs

Free cash flow grows at your stage-1 rate, then your stage-2 rate, then a terminal rate; everything is discounted at your WACC.

Stage-1 growth5.0%

Yearly free-cash-flow growth for the first stage. Starts below zero so a shrinking-cash-flow case — and the rate today’s price implies — can be set.

-20.0%60.0%

Stage-1 years5 yrs

How long stage-1 growth lasts.

1 yrs10 yrs

Stage-2 growth2.5%

Slower growth after stage 1, before the terminal phase.

-20.0%30.0%

Stage-2 years5 yrs

0 yrs10 yrs

Terminal growth2.5%

Growth forever after the two stages. Above ~3% is rarely justified.

0.0%5.0%

Discount rate (WACC)11.40%

The return you require. Default is the WACC EvidInvest computed for this company. Higher discount rate, lower value.

3.00%15.00%

Net debt ($M)Debt minus cash, from the balance sheet. Subtracted from enterprise value.

Starting FCF ($M)Latest free cash flow from the filing (operating cash flow minus capex).

Shares (M)Diluted shares, from the filing.

Year by year (two-stage model, $M)

PV explicit $691M · PV terminal $548M · EV $1,239M · equity $1,710M

Year	Stage	FCF	Present value
1	Stage 1	$102M	$91M
2	Stage 1	$107M	$86M
3	Stage 1	$112M	$81M
4	Stage 1	$118M	$77M
5	Stage 1	$124M	$72M
6	Stage 2	$127M	$66M
7	Stage 2	$130M	$61M
8	Stage 2	$133M	$56M
9	Stage 2	$137M	$52M
10	Stage 2	$140M	$48M

Inputs from the filing

Statements filed in CNY, converted to USD at the 2025-12-31 period-end rate (7.0010 CNY per USD; ECB reference rates).

Free cash flow: $96.8M; latest full year
EBIT: $-848.6M; latest annual
Shares: 86.8M; ADS equivalent
Total debt: $7.0M
Cash: $478.2M
Net debt: $-471.3M; debt − cash

20-F FY2025 · period ended 2025-12-31 · filed 2026-04-29 · accession 0001213900-26-049159 · sec.gov

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Download the full YRD valuation report (PDF) — free

DCF fair value, Graham number, EPV, key multiples and growth rates in one clean PDF.

Yiren Digital trades at $0.47. That price implies a P/E of 5.3× and 10.0% yearly EPS growth for a decade.

The filing behind these numbers

Valuation tool: build your own YRD range

Daily Price — YRD

Range implied by today’s price2 of 8 methods

Range with preset inputs

Your inputs

Year by year (two-stage model, $M)

More on YRD

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Valuation tool: build your own YRD range

Daily Price — YRD

Range implied by today’s price2 of 8 methods

Range with preset inputs

Your inputs

Year by year (two-stage model, $M)

More on YRD

Compare with peers

Explore