Yiren Digital (FRA:19YA) EBITDA per Share: €-1.30 (TTM As of Mar. 2026)


FRA:19YA Yiren Digital Ltd FRA:19YA
55 GF Score
Price €1.22
GF Value €3.76
Valuation Possible Value Trap
! 4 Warning Signs
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What is Yiren Digital EBITDA per Share?

Yiren Digital FRA:19YA +59.48% 55 EBITDA per Share is €-1.30 as of Mar. 2026. GuruFocus rates FRA:19YA with a GF Score™ of 55/100 and a GF Value™ of €3.76 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 316 Credit Services companies, Yiren Digital ranks worse than 316455.38% on this metric.

Yiren Digital's EBITDA per Share for the three months ended in Mar. 2026 was €-0.53. Its EBITDA per Share for the trailing twelve months (TTM) ended in Mar. 2026 was €-1.30.

During the past 12 months, the average EBITDA per Share Growth Rate of Yiren Digital was -169.30% 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 EBITDA per Share growth rate using EBITDA per Share data.

The historical rank and industry rank for Yiren Digital's EBITDA per Share or its related term are showing as below:

During the past 13 years, the highest 3-Year average EBITDA per Share Growth Rate of Yiren Digital was 105.80% per year. The lowest was -4.40% per year. And the median was 3.80% per year.

FRA:19YA's 3-Year EBITDA Growth Rate is not ranked *
in the Credit Services industry.
Industry Median: 9.1
* Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.

Yiren Digital's EBITDA for the three months ended in Mar. 2026 was €-46.6 Mil.

During the past 12 months, the average EBITDA Growth Rate of Yiren Digital was -169.90% 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 EBITDA Growth Rate using EBITDA data.

During the past 13 years, the highest 3-Year average EBITDA Growth Rate of Yiren Digital was 105.30% per year. The lowest was 0.20% per year. And the median was 16.60% per year.


Yiren Digital  (FRA:19YA) EBITDA per Share Explanation

EBITDA is a cash flow measure that ignores changes in working capital. EBITDA minus Depreciation, and Amortization (DA) equals EBIT. EBIT is profit before interest and taxes. Of course, Interest and taxes need to be paid.

While depreciation and amortization expenses do not need to be paid in cash, assets - especially tangible assets - do need to be replaced over time. EBITDA is not a measure of profit in any sense. EBITDA is a measure of cash generation by a business where the uses of that cash may be more or less discretionary depending on the nature of the business.

The EBITDA of a TV station is largely discretionary. Owners may use much of the EBITDA generated by a TV station as they see fit. The EBITDA of a railroad is largely non-discretionary. Owners must use much of the EBITDA generated by a railroad to replace the physical assets of the railroad or the business will literally fall apart over time.

EBITDA can be thought of as the cash a business generates that is available to:

Add more inventory
Add more receivables
Replace property, plant, and equipment
Add more property, plant, and equipment
Pay interest
Pay taxes
And finally: pay owners

EBITDA is widely used in financial analysis because Depreciation and Amortization are not present day cash expenses. Depreciation and amortization are the spreading out of the costs of assets over the time in which those assets provide benefits. Today's depreciation and amortization expenses relate to assets bought in the past. The assets being expensed may or may not need to be replaced in the future. And the cost to replace the assets may be more or less than it was in the past. For this reason, the depreciation and amortization expenses a company records in the present year may have no relationship to the actual cash costs needed to maintain its assets in future years.

A company's depreciation expense depends on both its expectations about the assets it owns and its choice of accounting methods. Two companies owning identical assets may have different depreciation expenses because they have different expectations about the useful lives of those assets and because they make different accounting choices.

Analysts use EBITDA to remove this element of personal choice from a company's accounting statements. The use of EBITDA is an attempt to make the results of different companies more comparable and uniform.


Be Aware

Although depreciation is not a cash cost, it is a real business cost because the company has to pay for the fixed assets when they purchase them. Both Warren Buffett and Charlie Munger hate the idea of EBITDA because in this calculation, depreciation is not counted as an expense.

EBITDA over Revenue is a good metric for comparing the operating efficiencies between companies because EBITDA is less vulnerable to companies' accounting choices. For this reason, EBITDA is used in ranking the Predictability of Companies.


Yiren Digital EBITDA per Share Related Terms


Yiren Digital EBITDA per Share Historical Data

* Premium members only.

The historical data trend for Yiren Digital's EBITDA 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 EBITDA per Share Chart

Yiren Digital Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EBITDA per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.33 2.35 3.77 2.52 -0.27

Yiren Digital Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EBITDA 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 0.49 0.53 0.28 -1.58 -0.53
FRA:19YA
55GF Score
Yiren Digital Ltd FRA:19YA
EBITDA per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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Yiren Digital EBITDA per Share Calculation

EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.

Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.

Yiren Digital's EBITDA per Share for the fiscal year that ended in Dec. 2025 is calculated as

EBITDA per Share(A: Dec. 2025 )
=EBITDA/Shares Outstanding (Diluted Average)
=-23.179/87.342
=-0.27

Yiren Digital's EBITDA per Share for the quarter that ended in Mar. 2026 is calculated as

EBITDA per Share(Q: Mar. 2026 )
=EBITDA/Shares Outstanding (Diluted Average)
=-46.633/87.476
=-0.53

EBITDA per Share for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €-1.30

* 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.

Frequently Asked Questions Learn more about EBITDA per Share →
What does a EBITDA per Share of €-1.30 mean?
Yiren Digital (FRA:19YA) has a EBITDA per Share of €-1.30 as of Mar. 2026. EBITDA per share is the per-share amount of earnings before interest, taxes, depreciation and amortization. View historical data on Yiren Digital and its competitors. According to the industry distribution chart, Yiren Digital ranks #999999 out of 316 companies in the Credit Services industry.
Is Yiren Digital's EBITDA per Share too high?
Yiren Digital's current EBITDA per Share is €-1.30. Based on the distribution chart, Yiren Digital ranks #999999 out of 316 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Yiren Digital has a GF Score™ of 55/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Yiren Digital's EBITDA per Share compare to SUIG and ANTA?
According to the Credit Services industry distribution chart, Yiren Digital ranks #999999 out of 316 companies for EBITDA per Share. This places Yiren Digital in the lower half of its industry. The industry median EBITDA per Share is 9.10. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBITDA per Share for a Credit Services company?
The median EBITDA per Share among Credit Services companies is 9.10, based on 316 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA per Share significantly above this median, while those in the bottom quartile fall well below. However, EBITDA 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 EBITDA per Share mean?
A high EBITDA per Share can signal that a stock is expensive relative to its fundamentals. EBITDA per share is the per-share amount of earnings before interest, taxes, depreciation and amortization. View historical data on Yiren Digital and its competitors. For the Credit Services industry, the median EBITDA per Share is 9.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Yiren Digital's current EBITDA per Share is €-1.30. 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 €3.76, compared to a current price of €1.22 — trading 67.6% below its estimated fair value. The current EBITDA per Share is €-1.30. Yiren Digital's overall GF Score™ is 55/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBITDA per Share calculated?
EBITDA per Share is calculated from a company's financial statements. For Yiren Digital (FRA:19YA), the current EBITDA per Share is €-1.30 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 €1.22 is trading 67.6% below its estimated GF Value™ of €3.76. GuruFocus considers Yiren Digital to be Possible Value Trap.

Key valuation signals for FRA:19YA:

  • EBITDA per Share: €-1.30
  • GF Value™: €3.76 vs. price of €1.22 (67.6% below fair value)
  • GF Score™: 55/100 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.
55GF Score

Get the complete analysis for FRA:19YA

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

€1.22
Price
€3.76
GF Value