Yiren Digital (FRA:19YA) Cyclically Adjusted FCF per Share: €0.17 (As of Mar. 2026)


FRA:19YA Yiren Digital Ltd FRA:19YA
56 GF Score
Price €1.06
GF Value €4.01
Valuation Possible Value Trap
! 4 Warning Signs
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What is Yiren Digital Cyclically Adjusted FCF per Share?

Yiren Digital FRA:19YA -6.19% 56 Cyclically Adjusted FCF per Share is €0.17 as of Mar. 2026. GuruFocus rates FRA:19YA with a GF Score™ of 56/100 and a GF Value™ of €4.01 (Possible Value Trap). The stock has 4 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Yiren Digital's adjusted free cash flow per share for the three months ended in Mar. 2026 was €-0.941. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is €0.17 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Yiren Digital's average Cyclically Adjusted FCF Growth Rate was -72.40% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

As of today (2026-07-12), Yiren Digital's current stock price is €1.06. Yiren Digital's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was €0.17. Yiren Digital's Cyclically Adjusted Price-to-FCF of today is 6.24.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Yiren Digital was 15.32. The lowest was 3.50. And the median was 10.61.


Yiren Digital  (FRA:19YA) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Yiren Digital's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=1.06/0.17
=6.24

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Yiren Digital was 15.32. The lowest was 3.50. And the median was 10.61.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Yiren Digital Cyclically Adjusted FCF per Share Related Terms


Yiren Digital Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Yiren Digital's Cyclically Adjusted FCF per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Yiren Digital Cyclically Adjusted FCF per Share Chart

Yiren Digital Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

Yiren Digital Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.55 0.53 0.00 0.00 0.17

FRA:19YA vs SUIG, ANTA, VRM: Cyclically Adjusted FCF per Share Comparison

For the Credit Services subindustry, Yiren Digital's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Yiren Digital Cyclically Adjusted Price-to-FCF vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Yiren Digital's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Yiren Digital's Cyclically Adjusted Price-to-FCF falls into.


FRA:19YA
56GF Score
Yiren Digital Ltd FRA:19YA
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Yiren Digital Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Yiren Digital's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=-0.941/116.3033*116.3033
=-0.941

Current CPI (Mar. 2026) = 116.3033.

Yiren Digital Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 0.906 101.400 1.039
201609 0.996 102.400 1.131
201612 1.895 102.600 2.148
201703 1.267 103.200 1.428
201706 1.148 103.100 1.295
201709 0.716 104.100 0.800
201712 -2.656 104.500 -2.956
201803 -1.129 105.300 -1.247
201806 -2.718 104.900 -3.013
201809 0.293 106.600 0.320
201812 -1.987 106.500 -2.170
201903 -0.931 107.700 -1.005
201906 0.050 107.700 0.054
201909 1.107 109.800 1.173
201912 0.121 111.200 0.127
202003 0.779 112.300 0.807
202006 -0.117 110.400 -0.123
202009 0.004 111.700 0.004
202012 -0.328 111.500 -0.342
202103 -0.217 112.662 -0.224
202106 -0.325 111.769 -0.338
202109 0.497 112.215 0.515
202112 0.305 113.108 0.314
202203 0.000 114.335 0.000
202206 0.000 114.558 0.000
202209 0.000 115.339 0.000
202212 0.000 115.116 0.000
202303 0.587 115.116 0.593
202306 0.000 114.558 0.000
202309 0.000 115.339 0.000
202312 0.000 114.781 0.000
202403 0.916 115.227 0.925
202406 0.541 114.781 0.548
202409 0.000 115.785 0.000
202412 0.000 114.893 0.000
202503 0.702 115.116 0.709
202506 0.570 114.907 0.577
202509 0.000 115.471 0.000
202512 0.000 115.832 0.000
202603 -0.941 116.303 -0.941

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of €0.17 mean?
Yiren Digital (FRA:19YA) has a Cyclically Adjusted FCF per Share of €0.17 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Yiren Digital and its competitors.
Is Yiren Digital's Cyclically Adjusted FCF per Share too high?
Yiren Digital's current Cyclically Adjusted FCF per Share is €0.17. Overall, Yiren Digital has a GF Score™ of 56/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Yiren Digital's Cyclically Adjusted FCF per Share compare to SUIG and ANTA?
Yiren Digital's Cyclically Adjusted FCF per Share of €0.17 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for a Credit Services company?
A good Cyclically Adjusted FCF per Share depends on the Credit Services industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Yiren Digital and its competitors. Yiren Digital's current Cyclically Adjusted FCF per Share is €0.17. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Yiren Digital stock overvalued right now?
Based on GuruFocus' analysis, Yiren Digital (FRA:19YA) is currently considered Possible Value Trap. The stock's GF Value™ is €4.01, compared to a current price of €1.06 — trading 73.6% below its estimated fair value. The current Cyclically Adjusted FCF per Share is €0.17. Yiren Digital's overall GF Score™ is 56/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Yiren Digital (FRA:19YA), the current Cyclically Adjusted FCF per Share is €0.17 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Yiren Digital (FRA:19YA) Overvalued in 2026?

Based on GuruFocus' analysis, Yiren Digital stock appears to be undervalued. The current stock price of €1.06 is trading 73.6% below its estimated GF Value™ of €4.01. GuruFocus considers Yiren Digital to be Possible Value Trap.

Key valuation signals for FRA:19YA:

  • Cyclically Adjusted FCF per Share: €0.17
  • GF Value™: €4.01 vs. price of €1.06 (73.6% below fair value)
  • GF Score™: 56/100 with 4 warning signs

No single metric tells the full story. See the FRA:19YA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Yiren Digital Business Description

Other Exchanges YRD:USAYRD N:Mexico
Address 118 Jianguo Road, 28th Floor, China Merchants Bureau Building, Chaoyang District, Beijing, CHN, 100022
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.
56GF Score

Get the complete analysis for FRA:19YA

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€1.06
Price
€4.01
GF Value