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Yiren Digital Valuation Multiples

Discover revenue and EBITDA valuation multiples for Yiren Digital and similar public comparables like MoneyMe, Humm Group, and Credit Clear.

Yiren Digital Overview

About Yiren Digital

Yiren Digital Ltd is an AI-powered platform providing a comprehensive suite of financial and lifestyle services in China. Its mission is to elevate customers' financial well-being and enhance their quality of life by delivering digital financial services, tailor-made insurance solutions, and premium lifestyle services. The company supports clients at various growth stages, addressing financing needs arising from consumption and production activities, while aiming to augment the overall well-being and security of individuals, families, and businesses.


Founded

2014

HQ

United States of America
Employees

949

Website

ir.yiren.com

Financials

Last FY Revenue $5.8B

Last FY EBITDA $1.7B

EV

-$46.4M

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Yiren Digital Financials

In the most recent fiscal year, Yiren Digital achieved revenue of $5.8B and an EBITDA of $1.7B.

Yiren Digital expects next 12-month revenue of  XXX    and NTM EBITDA of  XXX

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Yiren Digital P&L

NTM Last FY FY 2025 FY 2026 FY 2027
Revenue XXX $5.8B XXX XXX XXX
Gross Profit XXX $4.9B XXX XXX XXX
Gross Margin XXX 85% XXX XXX XXX
EBITDA XXX $1.7B XXX XXX XXX
EBITDA Margin XXX 29% XXX XXX XXX
EBIT XXX $1.6B XXX XXX XXX
EBIT Margin XXX 28% XXX XXX XXX
Net Profit XXX $1.6B XXX XXX XXX
Net Margin XXX 27% XXX XXX XXX
Net Debt XXX n/a XXX XXX XXX

Financial data powered by Morningstar, Inc.

Yiren Digital Stock Performance

As of May 30, 2025, Yiren Digital's stock price is $6.

Yiren Digital has current market cap of $541M, and EV of -$46.4M.

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Yiren Digital Stock Data

EV Market Cap Price 1D Price 1M Price 3M Price 12M EPS
-$46.4M $541M XXX XXX XXX XXX n/a

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Yiren Digital Valuation Multiples

As of May 30, 2025, Yiren Digital has market cap of $541M and EV of -$46.4M.

Yiren Digital's trades at -0.0x EV/Revenue multiple, and -0.0x EV/EBITDA.

Equity research analysts estimate Yiren Digital's 2025E EV/Revenue multiple at  XXX and 2025E EV/EBITDA multiple at  XXX

Yiren Digital's P/E ratio is not available.

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Yiren Digital Financial Valuation Multiples

LTM NTM Last FY FY 2025 FY 2026 FY 2027
Market cap (current) $541M XXX $541M XXX XXX XXX
EV (current) -$46.4M XXX -$46.4M XXX XXX XXX
EV/Revenue n/a XXX -0.0x XXX XXX XXX
EV/EBITDA n/a XXX -0.0x XXX XXX XXX
EV/EBIT n/a XXX -0.0x XXX XXX XXX
EV/Gross Profit n/a XXX n/a XXX XXX XXX
P/E n/a XXX 0.3x XXX XXX XXX
EV/FCF n/a XXX -0.0x XXX XXX XXX

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Yiren Digital Margins & Growth Rates

Yiren Digital's revenue per employee in the last FY averaged $6.1M, while opex per employee averaged $3.5M for the same period.

Yiren Digital's rule of 40 is unknown (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).

Yiren Digital's rule of X is unknown (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).

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Yiren Digital Operational Valuation Multiples

LTM NTM Last FY FY 2025 FY 2026 FY 2027
Revenue Growth n/a XXX n/a XXX XXX XXX
EBITDA Margin n/a XXX 29% XXX XXX XXX
EBITDA Growth n/a XXX n/a XXX XXX XXX
Rule of 40 n/a XXX n/a XXX XXX XXX
Bessemer Rule of X XXX XXX n/a XXX XXX XXX
Revenue per Employee XXX XXX $6.1M XXX XXX XXX
Opex per Employee XXX XXX $3.5M XXX XXX XXX
S&M Expenses to Revenue XXX XXX 21% XXX XXX XXX
G&A Expenses to Revenue XXX XXX n/a XXX XXX XXX
R&D Expenses to Revenue XXX XXX 7% XXX XXX XXX
Opex to Revenue XXX XXX 56% XXX XXX XXX

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Valuation Multiples Across 220+ Verticals

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Yiren Digital Public Comps

See public comps and valuation multiples for Online Lending and Lending Solutions comps
EV/Revenue EV/EBITDA
2025E 2026E 2027E 2025E 2026E 2027E
Credit Clear XXX XXX XXX XXX XXX XXX
Humm Group XXX XXX XXX XXX XXX XXX
MoneyMe XXX XXX XXX XXX XXX XXX
Plenti Group XXX XXX XXX XXX XXX XXX
Pepper Money XXX XXX XXX XXX XXX XXX
XXXXXXXX XXX XXX XXX XXX XXX XXX
XXXXXXXX XXX XXX XXX XXX XXX XXX

Valuation data powered by FactSet, Inc.

Yiren Digital M&A and Investment Activity

Yiren Digital acquired  XXX companies to date.

Last acquisition by Yiren Digital was  XXXXXXXX, XXXXX XXXXX XXXXXX . Yiren Digital acquired  XXXXXXXX for  XXX (EV/Revenue multiple of  XXX ).

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Latest Acquisitions by Yiren Digital

Acquired Company EV EV/Revenue EV/EBITDA
XXXXXXXXX XXX XXX XXX
XXXXXXXXX XXX XXX XXX
XXXXXXXXX XXX XXX XXX
XXXXXXXXX XXX XXX XXX
XXXXXXXXX XXX XXX XXX

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About Yiren Digital

When was Yiren Digital founded? Yiren Digital was founded in 2014.
Where is Yiren Digital headquartered? Yiren Digital is headquartered in United States of America.
How many employees does Yiren Digital have? As of today, Yiren Digital has 949 employees.
Who is the CEO of Yiren Digital? Yiren Digital's CEO is Mr. Ning Tang.
Is Yiren Digital publicy listed? Yes, Yiren Digital is a public company listed on NYS.
What is the stock symbol of Yiren Digital? Yiren Digital trades under YRD ticker.
When did Yiren Digital go public? Yiren Digital went public in 2015.
Who are competitors of Yiren Digital? Similar companies to Yiren Digital include e.g. Credit Clear, Humm Group, MoneyMe, Plenti Group.
What is the current market cap of Yiren Digital? Yiren Digital's current market cap is $541M
Is Yiren Digital profitable? Yes, Yiren Digital is EBITDA-positive (as of the last 12 months).

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