Operates an online consumer finance marketplace connecting borrowers and investors in China. Now — the numbers.
This is an established company with proven profits.
Average growth of 6% a year over the last 4 years. Every year shown ended in profit.
The market pays 14.9× for every dollar of annual profit — around what a business like this usually costs.
Against companies in its own sector, it looks cheaper than 52% of them.
No analyst target is on record for this company.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Clearly below the class average.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
The price isn’t cheap next to earnings — that’s why this grade sits in the middle.
Clearly below the class average.
Price Momentum: The stock has lagged the market in recent months; investor interest is weak right now.
Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.
An investor who bought at the very peak is down 88% today. The business is the same; what changed most is the price — and the expectations — the market pins on it.
Our checks did not surface a specific strength to highlight here.
Buyers haven’t stepped back in yet; the price hasn’t found its footing. Report-card grade: 1/100. For a turnaround signal, the stock first needs to close the gap with the market.
The balance sheet offers little cushion against a rough stretch. Report-card grade: 6/100.
Measured against its sector, the quality of the business sits below the class average. Report-card grade: 23/100.
On our five-subject report card, YRD sits behind the class. A low grade doesn’t mean “doomed” — it means “big claim, small proof.”
The takeaway: YRD does earn real profits — but on our report card it still sits behind its class. The real debate isn’t the quality of the business — it’s what that quality should cost.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.
Not covered, because the filings we hold do not carry it: the revenue breakdown.