Yiren DigitalYRD -2.65%59 FCF Margin % is -22.12% as of Dec. 2025. GuruFocus rates YRD with a GF Score™ of 59/100 and a GF Value™ of $5.67 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 531 Credit Services companies, Yiren Digital ranks better than 60.26% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Yiren Digital's Free Cash Flow for the
three
months ended in Dec. 2025 was $-28.1 Mil. Yiren Digital's Revenue for the
three
months ended in Dec. 2025 was $126.8 Mil. Therefore, Yiren Digital's FCF Margin % for the quarter that ended in Dec. 2025 was -22.12%.
The historical rank and industry rank for Yiren Digital's FCF Margin % or its related term are showing as below:
YRD'
s FCF Margin % Range Over the Past 10 Years
Min: -36.46 Med: 9.31 Max: 64.34
Current: 11.97
During the past 13 years, the highest FCF Margin % of Yiren Digital was 64.34%. The lowest was -36.46%. And the median was 9.31%.
YRD's FCF Margin % is ranked better than 60.26% of 531
companies
in the Credit Services industry
Industry Median: 0.24
vs YRD: 11.97
Yiren Digital FCF Margin % Related Terms
Yiren Digital FCF Margin % Historical Data
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The historical data trend for Yiren Digital's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Yiren Digital's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Yiren Digital's FCF Margin % falls into.
* 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 (YRD) has a FCF Margin % of -22.12% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Yiren Digital and its competitors. According to the industry distribution chart, Yiren Digital ranks #211 out of 531 companies in the Credit Services industry, placing it in the top 39.7%.
Is Yiren Digital's FCF Margin % too high?
Yiren Digital's current FCF Margin % is -22.12%. Based on the distribution chart, Yiren Digital ranks #211 out of 531 companies in the Credit Services industry, which is above the industry midpoint. Overall, Yiren Digital has a GF Score™ of 59/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Yiren Digital's FCF Margin % compare to SUIG and VRM?
According to the Credit Services industry distribution chart, Yiren Digital ranks #211 out of 531 companies for FCF Margin %. This puts Yiren Digital in the upper half of its industry. The industry median FCF Margin % is 0.24. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Credit Services company?
The median FCF Margin % among Credit Services companies is 0.24, based on 531 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Yiren Digital and its competitors. For the Credit Services industry, the median FCF Margin % is 0.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Yiren Digital's current FCF Margin % is -22.12%. 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 (YRD) is currently considered Significantly Undervalued. The stock's GF Value™ is $5.67, compared to a current price of $1.10 — trading 80.6% below its estimated fair value. The current FCF Margin % is -22.12%. Yiren Digital's overall GF Score™ is 59/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Yiren Digital (YRD), the current FCF Margin % is -22.12% as of Dec. 2025. 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 (YRD) Overvalued in 2026?
Based on GuruFocus' analysis, Yiren Digital stock appears to be undervalued.
The current stock price of $1.10 is trading 80.6% below its estimated GF Value™ of $5.67.
GuruFocus considers Yiren Digital to be Significantly Undervalued.
Key valuation signals for YRD:
FCF Margin %: -22.12%
GF Value™: $5.67 vs. price of $1.10 (80.6% below fair value)
No single metric tells the full story. See the YRD 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.
59GF Score
Get the complete analysis for YRD
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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