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Yiren Digital (MEX:YRD N) Cyclically Adjusted PB Ratio : 0.82 (As of Jul. 08, 2025)


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What is Yiren Digital Cyclically Adjusted PB Ratio?

As of today (2025-07-08), Yiren Digital's current share price is MXN143.46. Yiren Digital's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2025 was MXN174.95. Yiren Digital's Cyclically Adjusted PB Ratio for today is 0.82.

The historical rank and industry rank for Yiren Digital's Cyclically Adjusted PB Ratio or its related term are showing as below:

MEX:YRD N' s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 0.57   Med: 0.69   Max: 0.95
Current: 0.73

During the past years, Yiren Digital's highest Cyclically Adjusted PB Ratio was 0.95. The lowest was 0.57. And the median was 0.69.

MEX:YRD N's Cyclically Adjusted PB Ratio is ranked better than
64.73% of 414 companies
in the Credit Services industry
Industry Median: 0.995 vs MEX:YRD N: 0.73

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 PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Yiren Digital's adjusted book value per share data for the three months ended in Mar. 2025 was MXN318.566. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is MXN174.95 for the trailing ten years ended in Mar. 2025.

Shiller PE for Stocks: The True Measure of Stock Valuation


Yiren Digital Cyclically Adjusted PB Ratio Historical Data

The historical data trend for Yiren Digital's Cyclically Adjusted PB Ratio 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.

* Premium members only.

Yiren Digital Cyclically Adjusted PB Ratio Chart

Yiren Digital Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Cyclically Adjusted PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only - - - - 0.59

Yiren Digital Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
Cyclically Adjusted PB Ratio 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 0.63 0.60 0.72 0.59 0.82

Competitive Comparison of Yiren Digital's Cyclically Adjusted PB Ratio

For the Credit Services subindustry, Yiren Digital's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio 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's Cyclically Adjusted PB Ratio Distribution in the Credit Services Industry

For the Credit Services industry and Financial Services sector, Yiren Digital's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Yiren Digital's Cyclically Adjusted PB Ratio falls into.


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Yiren Digital Cyclically Adjusted PB Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.

Yiren Digital's Cyclically Adjusted PB Ratio for today is calculated as

Cyclically Adjusted PB Ratio=Share Price/ Cyclically Adjusted Book per Share
=143.46/174.95
=0.82

* 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's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2025 is calculated as:

For example, Yiren Digital's adjusted Book Value per Share data for the three months ended in Mar. 2025 was:

Adj_Book=Book Value per Share/CPI of Mar. 2025 (Change)*Current CPI (Mar. 2025)
=318.566/115.1156*115.1156
=318.566

Current CPI (Mar. 2025) = 115.1156.

Yiren Digital Quarterly Data

Book Value per Share CPI Adj_Book
201506 14.580 99.500 16.868
201509 19.211 100.500 22.005
201512 44.526 100.600 50.951
201603 50.229 102.200 56.577
201606 66.214 101.400 75.170
201609 84.460 102.400 94.948
201612 106.696 102.600 119.711
201703 113.747 103.200 126.880
201706 122.337 103.100 136.595
201709 113.639 104.100 125.664
201712 145.818 104.500 160.631
201803 229.482 105.300 250.873
201806 229.355 104.900 251.691
201809 211.600 106.600 228.503
201812 -16.838 106.500 -18.200
201903 0.000 107.700 0.000
201906 121.341 107.700 129.696
201909 87.440 109.800 91.673
201912 130.107 111.200 134.688
202003 161.392 112.300 165.438
202006 149.620 110.400 156.011
202009 167.661 111.700 172.788
202012 136.829 111.500 141.266
202103 147.965 112.662 151.188
202106 153.569 111.769 158.167
202109 168.291 112.215 172.640
202112 182.695 113.108 185.938
202203 0.000 114.335 0.000
202206 185.163 114.558 186.065
202209 178.044 115.339 177.700
202212 188.879 115.116 188.879
202303 190.297 115.116 190.297
202306 188.745 114.558 189.664
202309 205.723 115.339 205.325
202312 220.045 114.781 220.687
202403 228.005 115.227 227.784
202406 260.382 114.781 261.141
202409 299.374 115.785 297.644
202412 316.727 114.893 317.342
202503 318.566 115.116 318.566

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book 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.


Yiren Digital  (MEX:YRD N) Cyclically Adjusted PB Ratio Explanation

Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.


Yiren Digital Cyclically Adjusted PB Ratio Related Terms

Thank you for viewing the detailed overview of Yiren Digital's Cyclically Adjusted PB Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.


Yiren Digital Business Description

Traded in Other Exchanges
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.

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