Yiren Digital (MEX:YRD N) Cyclically Adjusted FCF per Share: MXN7.77 (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

MEX:YRD N Yiren Digital Ltd MEX:YRD N
52 GF Score
Price MXN15.57
GF Value MXN64.68
Valuation Possible Value Trap
! 4 Warning Signs
View Full Analysis

What is Yiren Digital Cyclically Adjusted FCF per Share?

Yiren Digital MEX:YRD N 52 Cyclically Adjusted FCF per Share is MXN7.77 as of Mar. 2026. GuruFocus rates MEX:YRD N with a GF Score™ of 52/100 and a GF Value™ of MXN64.68 (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 MXN-19.609. 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 MXN7.77 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Yiren Digital's average Cyclically Adjusted FCF Growth Rate was -63.80% 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 (2026-08-20), Yiren Digital's current stock price is MXN15.57. Yiren Digital's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was MXN7.77. Yiren Digital's Cyclically Adjusted Price-to-FCF of today is 2.00.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Yiren Digital was 15.32. The lowest was 5.29. And the median was 10.16.


Yiren Digital  (MEX:YRD N) 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
=15.57/7.77
=2.00

* 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 5.29. And the median was 10.16.


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 12.09 15.15 0.00 0.00 7.77

MEX:YRD N vs JFIN, ANTA, SUIG: 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.


MEX:YRD N
52GF Score
Yiren Digital Ltd MEX:YRD N
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)
=-19.609/116.3033*116.3033
=-19.609

Current CPI (Mar. 2026) = 116.3033.

Yiren Digital Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 18.830 101.400 21.598
201609 21.614 102.400 24.549
201612 41.221 102.600 46.726
201703 25.517 103.200 28.757
201706 23.313 103.100 26.299
201709 15.493 104.100 17.309
201712 -61.720 104.500 -68.691
201803 -25.298 105.300 -27.942
201806 -62.389 104.900 -69.171
201809 6.397 106.600 6.979
201812 -44.388 106.500 -48.474
201903 -20.398 107.700 -22.027
201906 1.085 107.700 1.172
201909 24.070 109.800 25.496
201912 2.536 111.200 2.652
202003 20.191 112.300 20.911
202006 -3.047 110.400 -3.210
202009 0.110 111.700 0.115
202012 -7.939 111.500 -8.281
202103 -5.272 112.662 -5.442
202106 -7.801 111.769 -8.117
202109 12.022 112.215 12.460
202112 7.074 113.108 7.274
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 11.333 115.116 11.450
202306 0.000 114.558 0.000
202309 0.000 115.339 0.000
202312 0.000 114.781 0.000
202403 16.525 115.227 16.679
202406 10.664 114.781 10.805
202409 0.000 115.785 0.000
202412 0.000 114.893 0.000
202503 15.532 115.116 15.692
202506 12.388 114.907 12.539
202509 0.000 115.471 0.000
202512 0.000 115.832 0.000
202603 -19.609 116.303 -19.609

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 MXN7.77 mean?
Yiren Digital (MEX:YRD N) has a Cyclically Adjusted FCF per Share of MXN7.77 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 MXN7.77. Overall, Yiren Digital has a GF Score™ of 52/100 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 JFIN and ANTA?
Yiren Digital's Cyclically Adjusted FCF per Share of MXN7.77 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 MXN7.77. 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 (MEX:YRD N) is currently considered Possible Value Trap. The stock's GF Value™ is MXN64.68, compared to a current price of MXN15.57 — trading 75.9% below its estimated fair value. The current Cyclically Adjusted FCF per Share is MXN7.77. Yiren Digital's overall GF Score™ is 52/100 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 (MEX:YRD N), the current Cyclically Adjusted FCF per Share is MXN7.77 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 (MEX:YRD N) Overvalued in 2026?

Based on GuruFocus' analysis, Yiren Digital stock appears to be undervalued. The current stock price of MXN15.57 is trading 75.9% below its estimated GF Value™ of MXN64.68. GuruFocus considers Yiren Digital to be Possible Value Trap.

Key valuation signals for MEX:YRD N:

  • Cyclically Adjusted FCF per Share: MXN7.77
  • GF Value™: MXN64.68 vs. price of MXN15.57 (75.9% below fair value)
  • GF Score™: 52/100 with 4 warning signs

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


Yiren Digital Business Description

Other Exchanges YRD:USA19YA:Germany
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.
52GF Score

Get the complete analysis for MEX:YRD N

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

MXN15.57
Price
MXN64.68
GF Value