Saturday 17 October 2026
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Yirendai Ltd.
Yirendai Ltd.’s revenue for fiscal 2025 (year ended December 2025) was $817.8 million, up 2.82% from fiscal 2024. In the quarter to June 2026, revenue fell 43.1%, EPS fell 230.6% and free cash flow fell 332.3%, each against the same quarter a year earlier. Revenue growth for three consecutive years.
0.75
0.03
−3.85%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
8.37 | 13.99 | 4.52 | 3.08 | 0.00 | 1.51 | 0.76 | 1.09 | 1.90 | 123.33 |
Piotroski F-Score |
6 | 6 | 2 | 5 | 3 | 7 | 5 | 8 | 5 | 6 |
P/S ratio |
2.71 | 3.36 | 0.80 | 0.42 | 0.50 | 0.34 | 0.21 | 0.46 | 0.52 | 0.39 |
P/FCF ratio |
3.53 | 4.89 | 0.00 | 52.54 | 3.48 | 34.15 | 0.42 | 1.08 | 2.19 | 1.22 |
P/Operating CF |
6.77 | 14.26 | (6.63) | 38.50 | 6.97 | 8.15 | 2.07 | 4.85 | 9.17 | 3.19 |
P/B ratio |
4.09 | 6.28 | 0.88 | 0.80 | 0.52 | 0.32 | 0.16 | 0.28 | 0.32 | 0.24 |
Price to Tangible BV |
4.09 | 6.28 | 0.88 | 0.80 | 0.52 | 0.32 | 0.16 | 0.28 | 0.32 | 0.24 |
EV/Sales |
2.03 | 2.70 | 0.42 | 0.07 | (0.17) | (0.08) | (0.59) | (0.79) | (0.25) | (0.37) |
EV/EBITDA |
6.06 | 8.93 | 1.90 | 0.52 | 14.05 | 0.00 | 0.00 | 0.00 | 0.00 | 9.47 |
EV/Operating CF |
2.60 | 3.81 | (2.91) | 2.17 | (0.89) | (2.38) | (1.11) | (1.78) | (1.03) | (1.11) |
EV/FCF |
2.65 | 3.93 | (2.40) | 8.73 | (1.17) | (8.35) | (1.17) | (1.84) | (1.06) | (1.14) |
Quick Ratio |
2.57 | 3.02 | 2.45 | 1.89 | 1.88 | 3.50 | 4.12 | 4.14 | 2.81 | 3.63 |
Current Ratio |
3.03 | 3.72 | 4.49 | 3.45 | 2.28 | 4.37 | 4.73 | 4.85 | 3.81 | 4.48 |
Net Debt/EBITDA |
(2.00) | (2.15) | (1.49) | (1.94) | (7.58) | (1.34) | (2.36) | (2.34) | (2.71) | 22.78 |
Debt/Assets |
0.00% | 0.00% | 2.56% | 3.10% | 8.66% | 13.29% | 9.00% | 0.00% | 0.00% | 0.00% |
Debt/Equity |
0.00 | 0.00 | 0.04 | 0.07 | 0.15 | 0.21 | 0.13 | 0.00 | 0.00 | 0.00 |
Asset Turnover |
0.91 | 0.92 | 0.73 | 1.00 | 0.50 | 0.63 | 0.41 | 0.51 | 0.49 | 0.44 |
Operating CF/Net income |
1.89 | 1.98 | (0.85) | 0.24 | (0.41) | 0.15 | 1.55 | 1.04 | 0.90 | 12.90 |
Capex/Depreciation |
(2.82) | (2.97) | (1.32) | (0.12) | (0.04) | (0.06) | 0.00 | (0.17) | (0.32) | (13.30) |
| 70.06% | 55.14% | 23.41% | 23.89% | (17.35%) | 24.27% | 21.24% | 29.11% | 17.72% | 0.59% | |
| 31.31% | 22.86% | 12.50% | 13.39% | (8.80%) | 14.46% | 14.13% | 21.82% | 13.44% | 0.42% | |
ROIC |
0.00% | 0.00% | 24.70% | 46.76% | (1.77%) | 27.70% | 37.73% | 83.13% | 20.55% | (2.82%) |
Return on Tangible Assets |
53.62% | 32.48% | 20.02% | 18.33% | (18.93%) | 17.86% | 20.30% | 26.88% | 16.65% | 0.55% |
Average Days of Receivables |
45.24 | 61.25 | 78.27 | 61.01 | 225.93 | 240.94 | 218.46 | 157.55 | 306.04 | 375.59 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 3.04% | 7.09% | 7.11% |
Selling, General and Administrative Expense of Revenue |
60.94% | 62.20% | 54.28% | 60.22% | 63.92% | 45.99% | 29.05% | 18.13% | 25.34% | 25.91% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
0.53% | 1.48% | 1.52% | 0.51% | 0.36% | 0.43% | 0.64% | 0.14% | 0.29% | 0.53% |
Graham Net Nets |
0.05 | 0.06 | 0.82 | 0.96 | 1.69 | 2.89 | 4.25 | 3.31 | 3.07 | 3.77 |
Graham Number |
17.30 | 24.08 | 25.54 | 16.79 | 0.00 | 19.56 | 20.88 | 30.93 | 29.31 | 3.21 |
Earnings Yield |
11.95% | 7.15% | 22.14% | 32.43% | (36.23%) | 66.43% | 132.45% | 91.92% | 52.71% | 0.81% |
Free Cash Flow Yield |
28.29% | 20.43% | (22.01%) | 1.90% | 28.73% | 2.93% | 237.30% | 92.98% | 45.68% | 81.98% |
Revenue per Share |
7.89 | 14.15 | 13.37 | 13.36 | 6.74 | 8.31 | 5.70 | 7.80 | 9.18 | 9.42 |
Operating CF per Share |
5.15 | 6.93 | (1.95) | 0.43 | 0.48 | 0.29 | 3.07 | 3.46 | 2.25 | 1.16 |
Capex per Share |
(0.07) | (0.18) | (0.12) | (0.07) | (0.02) | (0.02) | 0.00 | (0.01) | (0.01) | (0.67) |
Free Cash Flow per Share |
5.08 | 6.75 | (2.08) | 0.35 | 0.46 | 0.28 | 3.07 | 3.45 | 2.24 | 0.49 |
Cash per Share |
5.33 | 9.35 | 5.07 | 5.07 | 4.60 | 5.47 | 7.24 | 9.78 | 7.17 | 7.17 |
Shareholders Equity per Share |
5.21 | 7.58 | 12.19 | 6.96 | 6.42 | 8.95 | 10.01 | 12.89 | 15.09 | 15.28 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
5.21 | 7.58 | 12.19 | 6.96 | 6.42 | 8.95 | 10.01 | 12.89 | 15.09 | 15.28 |
Free Cash Flow |
300.08 | 406.70 | (126.87) | 32.50 | 41.32 | 23.44 | 268.14 | 305.17 | 193.84 | 42.44 |
Working Capital |
294.75 | 636.56 | 689.06 | 877.36 | 538.18 | 891.72 | 842.14 | 1,079.01 | 1,290.88 | 1,404.39 |
Capital Expenditures |
(4.31) | (10.82) | (7.58) | (6.88) | (1.91) | (1.38) | 0.00 | (0.61) | (1.26) | (58.18) |
Net Current Asset Value |
59.21 | 171.15 | 537.98 | 495.14 | 510.23 | 698.49 | 704.64 | 1,050.87 | 1,278.31 | 1,209.25 |
EV/EBIT |
6.06 | 8.93 | 1.90 | 0.52 | 14.05 | 0.00 | 0.00 | 0.00 | 0.00 | 9.47 |
Capex to Sales |
0.01 | 0.01 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.07 |
Price to Operating Income |
8.07 | 11.12 | 3.59 | 3.15 | 0.00 | 1.20 | 0.65 | 0.87 | 1.84 | 0.00 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.30 | 0.29 | 0.44 | 2.01 | 2.22 | 1.36 | 0.68 | 0.32 | 0.36 | 0.61 |
Cash ROIC |
48.16% | 39.89% | (11.72%) | 2.81% | 3.82% | 1.70% | 16.57% | 15.24% | 10.05% | 2.18% |
Accounts Receivable Turnover |
7.89 | 8.49 | 5.14 | 6.48 | 2.08 | 1.67 | 1.31 | 2.32 | 1.65 | 1.08 |
Accounts Payable Turnover |
0.50 | 1.31 | 2.59 | 3.21 | 1.88 | 1.01 | 1.97 | 2.64 | 1.69 | 2.45 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
899.93 | 195.51 | 147.86 | 82.45 | 341.26 | 241.72 | 113.64 | 183.62 | 223.56 | 57.46 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Receivables |
59.10 | 100.39 | 159.14 | 191.10 | 291.37 | 419.85 | 380.95 | 297.84 | 482.28 | 754.25 |
Average Payables |
52.13 | 49.17 | 36.18 | 29.77 | 89.93 | 118.68 | 57.07 | 52.12 | 71.63 | 45.90 |
Average Assets |
513.54 | 922.27 | 1,124.60 | 1,239.47 | 1,206.25 | 1,120.83 | 1,226.05 | 1,342.55 | 1,613.05 | 1,851.33 |
Average Common Equity |
229.52 | 382.35 | 600.65 | 694.88 | 611.96 | 667.77 | 815.49 | 1,006.61 | 1,223.07 | 1,316.60 |
Columns are period end dates · fundamentals updated 2 Oct 2026