YRD (Yiren Digital) ROCE %: -12.99% (As of Mar. 2026)

What is Yiren Digital ROCE %?

Yiren Digital YRD +0.91% 59 ROCE % is -12.99% as of Mar. 2026. 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.

ROCE % measures how well a company generates profits from its capital. It is calculated as EBIT divided by Capital Employed, where Capital Employed is calculated as Total Assets minus Total Current Liabilities. Yiren Digital's annualized ROCE % for the quarter that ended in Mar. 2026 was -12.99%.

Yiren Digital (NYSE:YRD) ROCE % Explanation

ROCE % can be especially useful when comparing the performance of capital-intensive companies. Unlike ROE %, which indicates the profitability of Shareholders Equity, ROCE % also considers long-term debt in Capital Employed. This can be helpful when analyzing companies with significant debt, as the result is neutralized by taking debt into consideration.

Generally speaking, a higher ROCE % indicates a stonger profitability for a company. Moreover, it is important to look at the ratio from a long term perspective. Investors tend to favor companies with stable and rising ROCE % trend over those with volatile ones.

Yiren Digital ROCE % Related Terms

Yiren Digital ROCE % Historical Data

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The historical data trend for Yiren Digital's ROCE % 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 ROCE % Chart

Yiren Digital Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

ROCE %

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24.25

21.33

33.36

17.01

-2.00

Yiren Digital Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
ROCE %	Get a 7-Day Free Trial															11.90	13.18	6.91	-38.28	-12.99

59GF Score

Yiren Digital Ltd YRD

ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.

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Yiren Digital ROCE % Calculation

Yiren Digital's annualized ROCE % for the fiscal year that ended in Dec. 2025 is calculated as:

ROCE %	=	EBIT	/	( (Capital Employed	+	Capital Employed)	/ count )
		(A: Dec. 2025 )		(A: Dec. 2024 )		(A: Dec. 2025 )
	=	EBIT	/	( ( (Total Assets - Total Current Liabilities)	+	(Total Assets - Total Current Liabilities) )	/ count )
		(A: Dec. 2025 )		(A: Dec. 2024 )		(A: Dec. 2025 )
	=	-31.485	/	( ( (1783.166 - 293.332)	+	(1910.347 - 252.601) )	/ 2 )
	=	-31.485	/	( (1489.834	+	1657.746)	/ 2 )
	=	-31.485	/	1573.79
	=	-2.00 %

Yiren Digital's ROCE % of for the quarter that ended in Mar. 2026 is calculated as:

ROCE %	=	EBIT ⁽¹⁾	/	( (Capital Employed	+	Capital Employed)	/ count )
		(Q: Mar. 2026 )		(Q: Dec. 2025 )		(Q: Mar. 2026 )
	=	EBIT	/	( ( (Total Assets - Total Current Liabilities)	+	(Total Assets - Total Current Liabilities) )	/ count )
		(Q: Mar. 2026 )		(Q: Dec. 2025 )		(Q: Mar. 2026 )
	=	-215.644	/	( ( (1910.347 - 252.601)	+	(1814.155 - 152.342) )	/ 2 )
	=	-215.644	/	( ( 1657.746	+	1661.813 )	/ 2 )
	=	-215.644	/	1659.7795
	=	-12.99 %

(1) Note: The EBIT data used here is four times the quarterly (Mar. 2026) EBIT data.

Frequently Asked Questions Learn more about ROCE % →

What does a ROCE % of -12.99% mean?

Yiren Digital (YRD) has a ROCE % of -12.99% as of Mar. 2026.

Is Yiren Digital's ROCE % too high?

Yiren Digital's current ROCE % is -12.99%. 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 ROCE % compare to SUIG and VRM?

Yiren Digital's ROCE % of -12.99% can be compared against companies in the Credit Services industry. The industry median ROCE % is 3.39. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good ROCE % for a Credit Services company?

The median ROCE % among Credit Services companies is 3.39, based on 417 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % 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 ROCE % mean?

A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median ROCE % is 3.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Yiren Digital's current ROCE % is -12.99%. 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 $1.11 — trading 80.4% below its estimated fair value. The current ROCE % is -12.99%. 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 ROCE % calculated?

ROCE % is calculated from a company's financial statements. For Yiren Digital (YRD), the current ROCE % is -12.99% 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 (YRD) Overvalued in 2026?

Based on GuruFocus' analysis, Yiren Digital stock appears to be undervalued. The current stock price of $1.11 is trading 80.4% below its estimated GF Value™ of $5.67. GuruFocus considers Yiren Digital to be Significantly Undervalued.

Key valuation signals for YRD:

ROCE %: -12.99%
GF Value™: $5.67 vs. price of $1.11 (80.4% below fair value)
GF Score™: 59/100 with 4 warning signs

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 Business Description

Industry Financial Services Credit Services

Comparable Companies SUIG VRM FOA ANTA XYF PMTS CPSS JF AIJTY SPST V MA AXP COF BOM:500034 PYPL AFRM SYF NSE:SHRIRAMFIN SOFI

Other Exchanges YRD N:Mexico 19YA:Germany

Address 118 Jianguo Road, 28th Floor, China Merchants Bureau Building, Chaoyang District, Beijing, CHN, 100022

Website https://ir.yiren.com

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

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

$1.11

Price

$5.67

GF Value

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