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Yiren Digital (MEX:YRD N) E10 : MXN42.33 (As of Mar. 2025)


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What is Yiren Digital E10?

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Yiren Digital's adjusted earnings per share data for the three months ended in Mar. 2025 was MXN8.032. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is MXN42.33 for the trailing ten years ended in Mar. 2025.

During the past 12 months, Yiren Digital's average E10 Growth Rate was 7.40% 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 E10 growth rate using E10 data.

As of today (2025-07-07), Yiren Digital's current stock price is MXN143.46. Yiren Digital's E10 for the quarter that ended in Mar. 2025 was MXN42.33. Yiren Digital's Shiller PE Ratio of today is 3.39.

During the past 12 years, the highest Shiller PE Ratio of Yiren Digital was 3.79. The lowest was 2.32. And the median was 2.72.


Yiren Digital E10 Historical Data

The historical data trend for Yiren Digital's E10 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 E10 Chart

Yiren Digital Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only - - - - 43.14

Yiren Digital Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
E10 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 35.63 35.69 31.05 43.14 42.33

Competitive Comparison of Yiren Digital's E10

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

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

* The bar in red indicates where Yiren Digital's Shiller PE Ratio falls into.


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Yiren Digital E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Mar. 2025 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2025 (Change)*Current CPI (Mar. 2025)
=8.032/115.1156*115.1156
=8.032

Current CPI (Mar. 2025) = 115.1156.

Yiren Digital Quarterly Data

per share eps CPI Adj_EPS
201506 3.459 99.500 4.002
201509 3.897 100.500 4.464
201512 4.403 100.600 5.038
201603 5.960 102.200 6.713
201606 12.504 101.400 14.195
201609 16.514 102.400 18.565
201612 18.724 102.600 21.008
201703 15.862 103.200 17.693
201706 11.828 103.100 13.206
201709 13.554 104.100 14.988
201712 21.607 104.500 23.802
201803 16.592 105.300 18.139
201806 6.345 104.900 6.963
201809 -4.005 106.600 -4.325
201812 15.147 106.500 16.372
201903 11.436 107.700 12.223
201906 4.609 107.700 4.926
201909 6.792 109.800 7.121
201912 11.661 111.200 12.072
202003 0.689 112.300 0.706
202006 -8.155 110.400 -8.503
202009 2.834 111.700 2.921
202012 -20.270 111.500 -20.927
202103 6.727 112.662 6.874
202106 7.329 111.769 7.548
202109 11.914 112.215 12.222
202112 12.448 113.108 12.669
202203 6.781 114.335 6.827
202206 8.951 114.558 8.995
202209 8.615 115.339 8.598
202212 15.108 115.116 15.108
202303 12.403 115.116 12.403
202306 14.095 114.558 14.164
202309 14.838 115.339 14.809
202312 15.336 114.781 15.381
202403 12.710 115.227 12.698
202406 11.838 114.781 11.873
202409 11.238 115.785 11.173
202412 10.930 114.893 10.951
202503 8.032 115.116 8.032

Add all the adjusted EPS together and divide 10 will get our e10.


Yiren Digital  (MEX:YRD N) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Yiren Digital's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=143.46/42.33
=3.39

* 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 12 years, the highest Shiller P/E Ratio of Yiren Digital was 3.79. The lowest was 2.32. And the median was 2.72.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Yiren Digital E10 Related Terms

Thank you for viewing the detailed overview of Yiren Digital's E10 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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