Company Overview
Yiren Digital Ltd. provides financial services through an AI-powered Fintech platform in China. Its platform provides a suite of financial and lifestyle services. The company offers credit solutions, insurance brokerage, and others. The company was formerly known as Yirendai Ltd. and changed its name to Yiren Digital Ltd. in September 2019. The company was founded in 2012 and is based in Beijing, the People's Republic of China. Yiren Digital Ltd. operates as a subsidiary of CreditEase Holdings (Cayman) Limited.
Why Investors Should Care
Revenue has grown at a 18.5% CAGR over the past five years.
Operating margin of 27.1% supports profitability.
Offers a dividend yield of 27.16%.
Recent Developments
- Dec 2025 Revenue of $5.72B (-1.5% YoY); net profit $54.53M.
- Trailing 12 Months Year-on-year growth — revenue -41.1%, earnings -96.5%.
- 5-Year Trend Long-term compounding — revenue CAGR 18.5%, profit CAGR -64.3%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 18.53% |
| 1 Year: | -41.10% |
Compounded Profit Growth
| 5 Years: | -64.26% |
| 1 Year: | -96.55% |
Stock Price Performance
| 1 Year: | -80.46% |
| 6 Months: | -73.44% |
| 3 Months: | -42.49% |
| 1 Month: | +23.06% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMABelow
- Price vs 200-DMABelow
- RSI (14)41.39 · Neutral
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Compounding revenue at 18.5% over 5 years.
- Attractive dividend yield of 27.16%.
CONS
- Earnings shrank at -64.3% CAGR over 5 years.
- Trading 83.2% below its 52-week high.
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | YRD Yiren Digital Ltd. | 1.11 | -0.96 | $97.11M | 27.16% | -1.90% | -7.42% | 18.53% | -64.26% |
| 2 | JPM JPMorgan Chase & Co. SPX | 351.79 | 16.85 | $942.63B | 1.87% | - | 16.47% | 5.35% | 7.56% |
| 3 | BRK-B Berkshire Hathaway Inc. SPX | 511.54 | 15.23 | $715.29B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPX | 366.13 | 31.95 | $607.67B | 0.75% | 37.15% | 60.35% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPX | 573.10 | 33.18 | $502.63B | 0.65% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPX | 61.95 | 15.37 | $434.76B | 1.88% | - | 10.64% | 6.00% | 3.49% |
| 7 | MS Morgan Stanley SPX | 210.42 | 19.06 | $331.89B | 1.76% | - | 16.39% | 3.76% | 9.66% |
| 8 | GS The Goldman Sachs Group, Inc. SPX | 1,018.38 | 15.73 | $300.43B | 1.58% | - | 16.95% | - | 2.21% |
| 9 | WFC Wells Fargo & Company SPX | 86.45 | 13.36 | $264.55B | 2.11% | - | 12.03% | 4.02% | 15.98% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Revenue | - | 1.58B | 1.67B | 1.57B | 893.34M | 927.64M |
| Cost of Revenue | - | 224.74M | 160.86M | 149.91M | 250.88M | 197.55M |
| Gross Profit | - | 1.35B | 1.51B | 1.42B | 642.46M | 730.09M |
| Operating Expenses | - | 1.02B | 1.13B | 1.22B | 1.78B | 1.10B |
| Operating Income | - | 330.40M | 381.50M | 207.93M | -1.14B | -371.56M |
| EBITDA | - | 330.40M | 381.50M | 207.93M | -1.14B | -371.56M |
| Interest Expense | - | - | - | - | - | - |
| Pretax Income | - | 273.98M | 425.85M | 373.69M | -1.11B | -457.69M |
| Tax Provision | - | 26.35M | 63.88M | 56.05M | -243.38M | 37.02M |
| Net Income | - | 247.51M | 357.54M | 317.64M | -868.15M | -493.54M |
| Diluted EPS | - | 2.85 | 4.11 | 3.63 | -10.12 | -5.64 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue | - | 3.43B | 4.90B | 5.81B | 5.72B |
| Cost of Revenue | - | 776.84M | 976.17M | 882.96M | 786.39M |
| Gross Profit | - | 2.66B | 3.92B | 4.92B | 4.93B |
| Operating Expenses | - | 1.19B | 1.32B | 3.28B | 5.15B |
| Operating Income | - | 1.47B | 2.59B | 1.65B | -221.76M |
| EBITDA | - | 1.52B | 2.62B | 1.68B | -191.17M |
| Interest Expense | - | - | - | - | - |
| Pretax Income | - | 1.50B | 2.65B | 1.86B | -38.02M |
| Tax Provision | - | 300.51M | 565.16M | 279.18M | -97.11M |
| Net Income | - | 1.19B | 2.08B | 1.58B | 54.53M |
| Diluted EPS | - | 13.63 | 23.28 | 18.11 | 0.46 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Total Assets | - | 8.54B | 10.28B | 12.98B | 13.45B |
| Current Assets | - | 8.30B | 10.07B | 12.41B | 12.14B |
| Cash & Equivalents | - | 4.27B | 5.79B | 3.84B | 3.35B |
| Inventory | - | - | - | - | - |
| Receivables | - | 221.00M | 499.03M | 566.54M | 826.14M |
| Total Liabilities | - | 2.51B | 2.19B | 3.44B | 4.18B |
| Current Liabilities | - | 1.50B | 1.92B | 2.14B | 1.78B |
| Long Term Debt | 1.03B | 767.90M | - | - | 9.09M |
| Total Debt | - | 803.13M | 23.65M | 40.77M | 48.85M |
| Total Equity | - | 6.03B | 8.09B | 9.54B | 9.27B |
| Shares Outstanding | - | 180.74M | 182.09M | 184.32M | 186.40M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | - | 1.85B | 2.17B | 1.42B | 703.62M |
| Investing Cash Flow | - | 52.56M | 100.05M | -3.11B | -1.58B |
| Financing Cash Flow | - | -489.12M | -569.28M | -277.23M | 662.60M |
| Capital Expenditure | - | -882.00K | -4.44M | -9.19M | -25.74M |
| Free Cash Flow | - | 1.85B | 2.17B | 1.41B | 677.88M |
| Net Change in Cash | - | 1.41B | 1.70B | -1.97B | -209.94M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Gross Margin % | - | 77.4% | 80.1% | 84.8% | 86.3% |
| Operating Margin % | - | 42.9% | 53.0% | 28.4% | -3.9% |
| Net Margin % | - | 34.8% | 42.5% | 27.3% | 1.0% |
| ROE % | - | 19.8% | 25.7% | 16.6% | 0.6% |
| ROCE % | - | 20.9% | 31.1% | 15.2% | -1.9% |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Dimensional Fund Advisors LP | 1.28% | 1.12M | $1.24M |
| 2 | Connor Clark & Lunn Investment Management Ltd | 0.25% | 216.42K | $240.22K |
| 3 | Renaissance Technologies, LLC | 0.24% | 213.14K | $236.59K |
| 4 | Morgan Stanley | 0.24% | 213.35K | $236.82K |
| 5 | RAMSEY QUANTITATIVE SYSTEMS | 0.15% | 132.00K | $146.52K |
| 6 | GSA Capital Partners LLP | 0.10% | 91.35K | $101.40K |
| 7 | Trexquant Investment, LP | 0.07% | 58.99K | $65.48K |
| 8 | Verdad Advisers, LP | 0.06% | 56.30K | $62.50K |
| 9 | PUBLIC EMPLOYEES RETIREMENT SYSTEM OF OHIO | 0.03% | 26.64K | $29.56K |
| 10 | Acadian Asset Management. LLC | 0.03% | 25.72K | $28.55K |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for YRD
YRD — Frequently Asked Questions
What is the current share price of Yiren Digital Ltd. (YRD)?
As of 2026-08-02 19:16 PDT, Yiren Digital Ltd. (YRD) trades at $1.11 on NYSE. Its 52-week range is $0.84 to $6.60.
What is the market capitalisation of YRD?
Yiren Digital Ltd. (YRD) has a market capitalisation of $97.11M on NYSE.
What is the P/E ratio of YRD?
YRD trades at a trailing price-to-earnings (P/E) ratio of -0.96. The industry average P/E is 13.68. Its price-to-book (P/B) ratio is 0.08.
Does YRD pay a dividend?
Yiren Digital Ltd. (YRD) currently offers a dividend yield of 27.16%.
What is the return on equity (ROE) of YRD?
YRD has a return on equity (ROE) of -7.42%. Its return on capital employed (ROCE) is -1.90%.
Is YRD a good stock to buy?
This page provides a data-driven analysis of Yiren Digital Ltd. (YRD), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.