EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Yiren Digital's Enterprise Value is €-223.9 Mil.
Yiren Digital's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was €-56.6 Mil. Therefore, Yiren Digital's EV-to-FCF for today is 3.96.
The historical rank and industry rank for Yiren Digital's EV-to-FCF or its related term are showing as below:
FRA:19YA'
s EV-to-FCF Range Over the Past 10 Years
Min: -16.14 Med: -1.08 Max: 104.41
Current: 4.18
During the past 13 years, the highest EV-to-FCF of Yiren Digital was 104.41. The lowest was -16.14. And the median was -1.08.
FRA:19YA's EV-to-FCF is ranked better than 78.03% of 264
companies
in the Credit Services industry
Industry Median: 13.305
vs FRA:19YA: 4.18
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Yiren Digital's PE Ratio (TTM) for today is calculated as:
Yiren Digital's share price for today is €0.935.
Yiren Digital's Earnings per Share (Diluted) 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 €-1.005.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Yiren Digital EV-to-FCF Related Terms
Yiren Digital EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Yiren Digital's EV-to-FCF 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.
For the Credit Services subindustry, Yiren Digital's EV-to-FCF, along with its competitors' market caps and EV-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 EV-to-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Yiren Digital's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Yiren Digital's EV-to-FCF falls into.
Yiren Digital's current Enterprise Value is €-223.9 Mil.
Yiren Digital's Free Cash Flow 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 €-56.6 Mil.
* 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 (FRA:19YA) has a EV-to-FCF of 3.96 as of Jul. 01, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Yiren Digital and its competitors. According to the industry distribution chart, Yiren Digital ranks #58 out of 264 companies in the Credit Services industry, placing it in the top 22%.
Is Yiren Digital's EV-to-FCF too high?
Yiren Digital's current EV-to-FCF is 3.96. The Credit Services industry median EV-to-FCF is 13.31. Yiren Digital's value of 3.96 is 70.2% below this industry median. Based on the distribution chart, Yiren Digital ranks #58 out of 264 companies in the Credit Services industry, which is in the top quartile — a strong position 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 EV-to-FCF compare to SUIG and ANTA?
According to the Credit Services industry distribution chart, Yiren Digital ranks #58 out of 264 companies for EV-to-FCF. This places Yiren Digital in the top 22% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 13.31. Yiren Digital's value of 3.96 is 70.2% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Credit Services company?
The median EV-to-FCF among Credit Services companies is 13.31, based on 264 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Yiren Digital's current EV-to-FCF of 3.96 is 70.2% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Yiren Digital and its competitors. For the Credit Services industry, the median EV-to-FCF is 13.31 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Yiren Digital's current EV-to-FCF is 3.96. 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 €5.31, compared to a current price of €0.94 — trading 82.4% below its estimated fair value. The current EV-to-FCF is 3.96 and 70.2% below the Credit Services industry median of 13.31. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Yiren Digital (FRA:19YA), the current EV-to-FCF is 3.96 as of Jul. 01, 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 €0.94 is trading 82.4% below its estimated GF Value™ of €5.31.
GuruFocus considers Yiren Digital to be Possible Value Trap.
Key valuation signals for FRA:19YA:
EV-to-FCF: 3.96
GF Value™: €5.31 vs. price of €0.94 (82.4% below fair value)
Industry Position: 70.2% below the Credit Services median (#58 of 264)
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 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
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:19YA has been successfully added to your 
