
Yiren Digital Ltd.
YRDNYSEFinancial ServicesFinancial - Credit Services
前收盘价
US$1.14
+US$0.0045 · +0.40%
YRD公司概览
盘中时间采用ET。市场数据可能有所延迟。
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GoAI评分
Hold
Wait — insufficient conviction to act
估值
66
Undervalued
动量
16
Strong Down
情绪
60
Mixed
风险韧性
30
High Risk
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公司概况
公司网站Yiren Digital Ltd., a subsidiary of Creditease Holdings (Cayman) Limited, operates as a leading online consumer finance marketplace connecting borrowers and investors across the People's Republic of China. Founded in Beijing in 2012 and previously known as Yirendai Ltd. until its name change in September 2019, the company's primary function involves facilitating loans. This includes not only the initial matching service but also comprehensive post-origination support, such as cash processing, debt collection, and communication management. Its diverse portfolio of loan products encompasses unsecured consumer credit, various secured consumer loans (including those collateralized by financial leases, automobiles, and real estate), and financing solutions tailored for small businesses. Beyond its lending activities, Yiren Digital also makes available a selection of financial investment products, such as short-term cash management tools, mutual funds, insurance policies, and securities. To further support its clientele, the company provides extensive online investor education services, covering a broad spectrum of investment and trading topics. It also offers specialized training programs focusing on wealth planning, market analysis, and strategic investment approaches. Additionally, Yiren Digital furnishes IT consultancy and support, referral services, system maintenance, and dedicated customer assistance. The firm also extends its operations into financial lease services and insurance brokerage. Customers can access Yiren Digital's offerings through its dedicated website, www.yxpuhui.com, alongside a specialized wealth management portal and a proprietary mobile application. As of December 31, 2020, the company showcased an impressive range of products, featuring 60 fixed income options, 810 mutual fund offerings, and 296 distinct insurance products.
- 行业
- Financial - Credit Services
- 部门
- Financial Services
- 总部
- CN
- 首席执行官
- Ning Tang
- 上市以来
- 2015年12月18日
- 雇员
- 981
市场位置
日内区间
当前US$1.14,
52周区间
当前US$1.14,
- 开盘价
- US$1.155
- 前收盘价
- US$1.1355
- 成交量
- 2.98万
- 0.03× 平均值
- 平均成交量
- 108.2万
- 日均成交量
- 市值
- 9910.54万 USD
- 贝塔
- 1.16
- 市场参考 1
- 50天平均值
- US$1.1866
- 低于平均水平-3.92%
- 200天平均值
- US$2.7353
- 低于平均水平-58.32%
财务数据
财务快照
最近十二个月估值与收益率
- 企业价值
- -10.54亿 CNY
- 市盈率(TTM)
- -0.33×
- 市净率(TTM)
- 0.08×
- 市销率(TTM)
- 0.13×
- EV/EBITDA
- 23.78×
- 盈利收益率
- 1.76%
- 自由现金流收益率
- 30.19%
- 股息率
- 38.60%
盈利能力和效率
- 毛利率
- 85.00%
- 营业利润率
- 12.03%
- 净利润率
- -13.49%
- 净资产收益率
- 0.43%
- 资产收益率
- 0.29%
- 投入资本回报率
- -12.73%
财务健康
- 负债权益比
- 0×
- 流动比率
- 6.82×
财务报表
利润率趋势
盈利能力占已公布营收的百分比。
损益趋势
营收
营业利润
净利润
| 项目(CNY) | 2025财年 | 2024财年 | 2023财年 | 2022财年 | 2021财年 |
|---|---|---|---|---|---|
| 营收 | 55.72亿 CNY | 58.06亿 CNY | 48.96亿 CNY | 34.35亿 CNY | 44.78亿 CNY |
| 销货成本 | 7.9亿 CNY | 8.83亿 CNY | 9.76亿 CNY | 7.77亿 CNY | 7.61亿 CNY |
| 毛利 | 47.82亿 CNY | 49.23亿 CNY | 39.19亿 CNY | 26.58亿 CNY | 37.17亿 CNY |
| 研究与开发 | — | 4.12亿 CNY | 1.49亿 CNY | 1.52亿 CNY | 2.08亿 CNY |
| 销售、一般及管理费用 | 14.82亿 CNY | 14.71亿 CNY | 8.88亿 CNY | 8.46亿 CNY | 20.6亿 CNY |
| 营业费用 | 26.37亿 CNY | 32.76亿 CNY | 13.25亿 CNY | 11.86亿 CNY | 24.3亿 CNY |
| 利息收入 | 7661.81万 CNY | 1.05亿 CNY | 8074.9万 CNY | — | 7338.3万 CNY |
| 利息支出 | — | — | — | — | 6162.3万 CNY |
| 折旧和摊销 | 1259.72万 CNY | 2828.7万 CNY | 711.6万 CNY | 5283.1万 CNY | 4323.6万 CNY |
| 营业利润 | 21.45亿 CNY | 16.47亿 CNY | 25.95亿 CNY | 14.72亿 CNY | 12.87亿 CNY |
| 净利润 | 3942.19万 CNY | 15.82亿 CNY | 20.8亿 CNY | 11.95亿 CNY | 10.33亿 CNY |
公司数据更新于 2026年8月24日。
财报历史与展望
- EPS超预期率
- 83%
- 超预期5次、低于预期1次、符合预期0次
- 平均EPS意外幅度
- +1817.04%
- 6 类似报告
- 最新每股收益结果
- -0.82
- 预期0.38 · 低于预期315.68%
EPS:实际值与预期值
近期已公布业绩
营收:实际值与预期值
近期已公布业绩
分析师评级
第三方分析师预期可能变化,并非 GoAI 建议。
评级分布
8项评级YRD 消息
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