Symbols / YRD $3.67 -1.34%
YRD Chart
About
Yiren Digital Ltd. provides financial services through an AI-powered platform in China. Its platform provides a suite of financial and lifestyle services. The company offers financial services, which provides a portfolio of loan products to borrowers; insurance brokerage services; and consumption and lifestyle services, including non-financial products and services to meet various consumer needs. It supports clients at various growth stages, addressing financing needs arising from consumption and production activities, and augmenting the well-being and security of individuals, families, and businesses. 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.
Fundamentals
Scroll to Statements| Sector | Financial Services | Industry | Credit Services | Market Cap | 319.05M |
| Enterprise Value | -3.17B | Income | 1.25B | Sales | 6.21B |
| Book/sh | 17.27 | Cash/sh | 22.19 | Dividend Yield | 11.99% |
| Payout | 21.93% | Employees | 949 | IPO | — |
| P/E | 1.76 | Forward P/E | 8.74 | PEG | — |
| P/S | 0.05 | P/B | 0.21 | P/C | — |
| EV/EBITDA | -1.19 | EV/Sales | -0.51 | Quick Ratio | 5.75 |
| Current Ratio | 8.18 | Debt/Eq | 0.50 | LT Debt/Eq | — |
| EPS (ttm) | 2.09 | EPS next Y | 0.42 | EPS Growth | -10.20% |
| Revenue Growth | 5.10% | Earnings | 2026-03-19 | ROA | 11.90% |
| ROE | 12.78% | ROIC | — | Gross Margin | 88.21% |
| Oper. Margin | 41.67% | Profit Margin | 20.18% | Shs Outstand | 86.41M |
| Shs Float | 29.36M | Short Float | 0.83% | Short Ratio | 2.31 |
| Short Interest | — | 52W High | 8.74 | 52W Low | 3.54 |
| Beta | 0.85 | Avg Volume | 59.60K | Volume | 9.73K |
| Target Price | — | Recom | None | Prev Close | $3.72 |
| Price | $3.67 | Change | -1.34% |
Valuation Models
Price estimates from analyst targets and simple models.
1. Analyst consensus
—
Mean price target
2. Current target
$3.67
Latest analyst target
3. DCF / Fair value
$-123.68
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$3.67
Low
—
High
—
Mean
—
Latest analyst rating changes
| Date | Action | Analyst | Rating Change | Price Target |
|---|---|---|---|---|
| 2020-02-04 | down | UBS | Neutral → Sell | $4 |
| 2020-01-22 | down | Credit Suisse | Neutral → Underperform | — |
| 2019-10-03 | down | Citigroup | Neutral → Sell | $6 |
| 2019-09-05 | down | Macquarie | Neutral → Underperform | — |
| 2018-08-29 | down | Needham | Buy → Hold | — |
| 2018-06-25 | down | Morgan Stanley | Overweight → Equal-Weight | — |
| 2017-11-14 | init | Macquarie | — → Outperform | $60 |
| 2016-08-10 | down | Nomura | — → — | — |
| 2016-04-11 | down | Nomura | Buy → Neutral | — |
| 2016-01-27 | init | Needham | — → Buy | — |
News
RSS: Latest YRD news- Yirendai Ltd. (NYSE:YRD) Short Interest Update - MarketBeat Wed, 11 Mar 2026 22
- Yiren Digital: Worth A Look Even Though Headwinds Have Taken Over (NYSE:YRD) - Seeking Alpha ue, 09 Dec 2025 08
- Yiren Digital (NYSE: YRD) earns tech innovation award for AI-driven fintech model - Stock Titan hu, 11 Dec 2025 08
- Yiren Digital Ltd (YRD) Q2 2025 Earnings Call Highlights: Strong Loan Growth and AI-Driven ... - Yahoo Finance Fri, 22 Aug 2025 07
- Yiren Digital (NYSE:YRD) Net Profit Margin Decline Challenges Bullish Value Narrative - simplywall.st hu, 27 Nov 2025 08
- (YRD) Price Dynamics and Execution-Aware Positioning - Stock Traders Daily Fri, 20 Feb 2026 06
- Yirendai (NYSE:YRD) Stock Price Passes Below 50 Day Moving Average - What's Next? - MarketBeat hu, 26 Feb 2026 08
- Inside Yiren Digital's 24/7 AI agents that just earned an industry award - Stock Titan hu, 22 Jan 2026 08
- Yiren Digital: Positives Outweigh The Negatives (NYSE:YRD) - Seeking Alpha Mon, 08 Sep 2025 07
- Yiren Digital Ltd (YRD) Q3 2025 Earnings Call Highlights: Robust Loan Origination and Internet ... - Yahoo Finance ue, 25 Nov 2025 08
- YRD Stock: Is Yiren Digital at the Forefront of a China Tech Recovery? - CMC Markets Wed, 12 Jun 2024 07
- Yiren Digital (NYSE:YRD) Will Pay A Larger Dividend Than Last Year At US$0.22 - simplywall.st Wed, 27 Aug 2025 07
- Yirendai Ltd. (NYSE:YRD) Short Interest Down 25.7% in February - MarketBeat Mon, 02 Mar 2026 08
- Yiren Digital (NYSE:YRD) Is Increasing Its Dividend To US$0.22 - Yahoo Finance Sun, 24 Aug 2025 07
- Yiren Digital Pioneers RMB17M Insurance Coverage for China's Emerging Low-Altitude Aviation Sector - Stock Titan Fri, 20 Jun 2025 07
Insider Transactions
No recent insider transactions.
Financials
| Line Item | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| TaxEffectOfUnusualItems | 16.12M | -10.72M | 3.80M | -5.30M |
| TaxRateForCalcs | 0.15 | 0.21 | 0.20 | 0.14 |
| NormalizedEBITDA | 1.57B | 2.67B | 1.51B | 1.46B |
| TotalUnusualItems | 107.53M | -50.17M | 18.90M | -37.44M |
| TotalUnusualItemsExcludingGoodwill | 107.53M | -50.17M | 18.90M | -37.44M |
| NetIncomeFromContinuingOperationNetMinorityInterest | 1.58B | 2.08B | 1.19B | 1.03B |
| ReconciledDepreciation | 28.29M | 25.44M | 52.83M | 139.95M |
| ReconciledCostOfRevenue | 882.96M | 976.17M | 776.84M | 760.86M |
| EBITDA | 1.68B | 2.62B | 1.52B | 1.43B |
| EBIT | 1.65B | 2.59B | 1.47B | 1.29B |
| NetInterestIncome | 105.48M | 80.75M | -26.30M | -73.38M |
| NormalizedIncome | 1.49B | 2.12B | 1.18B | 1.07B |
| NetIncomeFromContinuingAndDiscontinuedOperation | 1.58B | 2.08B | 1.19B | 1.03B |
| TotalExpenses | 4.16B | 2.30B | 1.96B | 3.19B |
| DilutedAverageShares | 87.36M | 89.34M | 87.70M | 85.30M |
| BasicAverageShares | 86.63M | 88.37M | 87.35M | 84.51M |
| DilutedEPS | 18.11 | 23.28 | 13.63 | 12.11 |
| BasicEPS | 18.27 | 23.54 | 13.68 | 12.22 |
| DilutedNIAvailtoComStockholders | 1.58B | 2.08B | 1.19B | 1.03B |
| NetIncomeCommonStockholders | 1.58B | 2.08B | 1.19B | 1.03B |
| NetIncome | 1.58B | 2.08B | 1.19B | 1.03B |
| NetIncomeIncludingNoncontrollingInterests | 1.58B | 2.08B | 1.19B | 1.03B |
| NetIncomeContinuousOperations | 1.58B | 2.08B | 1.19B | 1.03B |
| EarningsFromEquityInterestNetOfTax | -440.00K | 0.00 | 0.00 | 0.00 |
| TaxProvision | 279.18M | 565.16M | 300.51M | 170.19M |
| PretaxIncome | 1.86B | 2.65B | 1.50B | 1.20B |
| OtherIncomeExpense | 109.38M | -30.17M | 49.82M | -10.78M |
| OtherNonOperatingIncomeExpenses | 1.85M | 20.00M | 30.92M | 26.66M |
| SpecialIncomeCharges | 0.00 | 0.00 | ||
| GainOnSaleOfPPE | 0.00 | 0.00 | ||
| EarningsFromEquityInterest | 18.90M | -37.44M | ||
| GainOnSaleOfSecurity | 107.53M | -50.17M | 18.90M | -37.44M |
| NetNonOperatingInterestIncomeExpense | 105.48M | 80.75M | -26.30M | -73.38M |
| TotalOtherFinanceCost | -105.48M | -80.75M | 26.30M | 73.38M |
| OperatingIncome | 1.65B | 2.59B | 1.47B | 1.29B |
| OperatingExpense | 3.28B | 1.32B | 1.19B | 2.43B |
| OtherOperatingExpenses | 869.28M | 27.04M | 21.50M | 370.15M |
| ProvisionForDoubtfulAccounts | 523.62M | 261.15M | 166.72M | 370.15M |
| ResearchAndDevelopment | 411.88M | 148.75M | 151.92M | 208.00M |
| SellingGeneralAndAdministration | 1.47B | 887.74M | 845.77M | 1.85B |
| SellingAndMarketingExpense | 1.20B | 656.60M | 573.97M | 1.55B |
| GeneralAndAdministrativeExpense | 274.67M | 231.13M | 271.79M | 298.24M |
| OtherGandA | 274.67M | 231.13M | 271.79M | 298.24M |
| GrossProfit | 4.92B | 3.92B | 2.66B | 3.72B |
| CostOfRevenue | 882.96M | 976.17M | 776.84M | 760.86M |
| TotalRevenue | 5.81B | 4.90B | 3.43B | 4.48B |
| OperatingRevenue | 5.52B | 4.60B | 2.89B | 3.59B |
| Line Item | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| TreasurySharesNumber | 11.71M | 7.38M | 2.16M | 1.30M |
| OrdinarySharesNumber | 172.61M | 174.71M | 178.58M | 170.00M |
| ShareIssued | 184.32M | 182.09M | 180.74M | 171.30M |
| TotalDebt | 40.77M | 23.65M | 803.13M | 1.10B |
| TangibleBookValue | 9.50B | 8.05B | 6.00B | 4.82B |
| InvestedCapital | 9.54B | 8.09B | 6.80B | 5.85B |
| WorkingCapital | 9.65B | 7.17B | 6.17B | 4.86B |
| NetTangibleAssets | 9.50B | 8.05B | 6.00B | 4.82B |
| CapitalLeaseObligations | 40.77M | 23.65M | 35.23M | 72.10M |
| CommonStockEquity | 9.54B | 8.09B | 6.03B | 4.82B |
| TotalCapitalization | 9.54B | 8.09B | 6.80B | 5.85B |
| TotalEquityGrossMinorityInterest | 9.54B | 8.09B | 6.03B | 4.82B |
| StockholdersEquity | 9.54B | 8.09B | 6.03B | 4.82B |
| GainsLossesNotAffectingRetainedEarnings | 79.27M | 23.67M | 7.76M | 11.55M |
| OtherEquityAdjustments | 79.27M | 23.67M | 7.76M | 11.55M |
| TreasuryStock | 170.46M | 94.85M | 46.73M | 42.90M |
| RetainedEarnings | 4.44B | 2.99B | 908.87M | -247.83M |
| AdditionalPaidInCapital | 5.20B | 5.17B | 5.16B | 5.10B |
| CapitalStock | 132.00K | 130.00K | 129.00K | 123.00K |
| CommonStock | 132.00K | 130.00K | 129.00K | 123.00K |
| TotalLiabilitiesNetMinorityInterest | 3.44B | 2.19B | 2.51B | 2.92B |
| TotalNonCurrentLiabilitiesNetMinorityInterest | 1.35B | 266.59M | 1.00B | 1.37B |
| OtherNonCurrentLiabilities | 1.26B | 120.87M | 118.70M | 146.06M |
| NonCurrentDeferredLiabilities | 41.47M | 122.08M | 79.74M | 112.53M |
| NonCurrentDeferredTaxesLiabilities | 41.47M | 122.08M | 79.74M | 112.53M |
| LongTermDebtAndCapitalLeaseObligation | 40.77M | 23.65M | 803.13M | 1.10B |
| LongTermCapitalLeaseObligation | 40.77M | 23.65M | 35.23M | 72.10M |
| LongTermDebt | 767.90M | 1.03B | ||
| LongTermProvisions | 5.73M | |||
| CurrentLiabilities | 2.09B | 1.92B | 1.50B | 1.55B |
| CurrentDeferredLiabilities | 9.48M | 54.04M | 65.54M | 12.38M |
| CurrentDeferredRevenue | 9.48M | 54.04M | 65.54M | 12.38M |
| PayablesAndAccruedExpenses | 2.09B | 1.87B | 1.44B | 1.54B |
| CurrentAccruedExpenses | 382.22M | 302.81M | 485.60M | 662.13M |
| Payables | 1.70B | 1.57B | 952.57M | 878.47M |
| OtherPayable | 377.85M | 591.42M | 147.86M | 174.83M |
| DuetoRelatedPartiesCurrent | 129.63M | 14.41M | 227.72M | 434.13M |
| TotalTaxPayable | 1.15B | 931.19M | 562.84M | 250.44M |
| AccountsPayable | 43.17M | 30.90M | 14.14M | 19.07M |
| TotalAssets | 12.98B | 10.28B | 8.54B | 7.74B |
| TotalNonCurrentAssets | 1.24B | 1.18B | 857.99M | 1.32B |
| OtherNonCurrentAssets | 15.89M | 15.36M | 27.63M | 12.79M |
| NonCurrentDeferredAssets | 77.76M | 73.45M | 84.97M | 17.35M |
| NonCurrentDeferredTaxesAssets | 77.46M | 73.41M | 84.19M | 7.39M |
| NonCurrentAccountsReceivable | 1.01B | 978.05M | 626.74M | 1.11B |
| InvestmentsAndAdvances | 15.83M | 10.42M | 2.70M | 2.20M |
| InvestmentinFinancialAssets | 6.59M | 10.42M | 2.70M | 2.20M |
| HeldToMaturitySecurities | 6.59M | 10.42M | 2.70M | 2.20M |
| LongTermEquityInvestment | 9.24M | 0.00 | ||
| GoodwillAndOtherIntangibleAssets | 38.56M | 37.77M | 33.27M | |
| OtherIntangibleAssets | 33.78M | 32.99M | 28.49M | |
| Goodwill | 4.78M | 4.78M | 4.78M | |
| NetPPE | 84.59M | 69.55M | 82.67M | 183.30M |
| AccumulatedDepreciation | -55.26M | -48.71M | -42.91M | -103.47M |
| GrossPPE | 139.85M | 118.26M | 125.59M | 286.77M |
| Leases | 5.04M | 4.02M | 4.18M | 50.95M |
| OtherProperties | 39.70M | 23.38M | 33.91M | 80.75M |
| MachineryFurnitureEquipment | 56.65M | 52.39M | 49.03M | 116.60M |
| BuildingsAndImprovements | 38.46M | 38.46M | 38.46M | 38.46M |
| Properties | 0.00 | 0.00 | 0.00 | 0.00 |
| CurrentAssets | 11.74B | 9.09B | 7.68B | 6.42B |
| RestrictedCash | 260.27M | 267.27M | 88.80M | 80.80M |
| PrepaidAssets | 2.29B | 345.23M | 167.86M | 249.47M |
| Receivables | 4.92B | 2.17B | 2.18B | 3.05B |
| OtherReceivables | 531.87M | 162.40M | 625.99M | 1.79B |
| DuefromRelatedPartiesCurrent | 3.39B | 820.18M | 1.27B | 879.26M |
| AccruedInterestReceivable | 10.06M | 14.90M | 9.54M | 697.00K |
| LoansReceivable | 421.92M | 677.84M | 54.05M | 73.73M |
| AccountsReceivable | 566.54M | 499.03M | 221.00M | 305.02M |
| AllowanceForDoubtfulAccountsReceivable | -154.93M | -46.72M | -18.23M | -8.30M |
| GrossAccountsReceivable | 721.47M | 545.74M | 239.24M | 313.31M |
| CashCashEquivalentsAndShortTermInvestments | 4.27B | 6.31B | 5.24B | 3.04B |
| OtherShortTermInvestments | 430.62M | 514.14M | 972.74M | 177.36M |
| CashAndCashEquivalents | 3.84B | 5.79B | 4.27B | 2.86B |
| Line Item | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| FreeCashFlow | 1.41B | 2.17B | 1.85B | 148.79M |
| RepurchaseOfCapitalStock | -75.61M | -48.12M | -3.84M | -2.75M |
| RepaymentOfDebt | -291.78M | -971.16M | -485.29M | -148.96M |
| IssuanceOfDebt | 0.00 | 0.00 | 578.50M | |
| CapitalExpenditure | -9.19M | -4.44M | -882.00K | -9.40M |
| InterestPaidSupplementalData | 0.00 | 62.53M | 121.70M | 85.26M |
| IncomeTaxPaidSupplementalData | 140.09M | 165.18M | 78.87M | 63.31M |
| EndCashPosition | 4.10B | 6.06B | 4.36B | 2.95B |
| BeginningCashPosition | 6.06B | 4.36B | 2.95B | 2.71B |
| EffectOfExchangeRateChanges | 9.21M | -3.87M | 2.49M | -936.00K |
| ChangesInCash | -1.97B | 1.70B | 1.41B | 239.13M |
| FinancingCashFlow | -277.23M | -569.28M | -489.12M | 427.45M |
| CashFlowFromContinuingFinancingActivities | -277.23M | -569.28M | -489.12M | 427.45M |
| NetOtherFinancingCharges | 212.50M | 450.00M | 657.00K | |
| CashDividendsPaid | -122.33M | 0.00 | 0.00 | |
| NetCommonStockIssuance | -75.61M | -48.12M | -3.84M | -2.75M |
| CommonStockPayments | -75.61M | -48.12M | -3.84M | -2.75M |
| NetIssuancePaymentsOfDebt | -291.78M | -971.16M | -485.29M | 429.54M |
| NetLongTermDebtIssuance | -291.78M | -971.16M | -485.29M | 429.54M |
| LongTermDebtPayments | -291.78M | -971.16M | -485.29M | -148.96M |
| LongTermDebtIssuance | 0.00 | 0.00 | 578.50M | |
| InvestingCashFlow | -3.11B | 100.05M | 52.56M | -346.51M |
| CashFlowFromContinuingInvestingActivities | -3.11B | 100.05M | 52.56M | -346.51M |
| NetOtherInvestingChanges | -837.77M | -343.32M | 854.78M | -332.51M |
| NetInvestmentPurchaseAndSale | -2.27B | 452.72M | -802.22M | -5.21M |
| SaleOfInvestment | 10.58B | 15.02B | 1.45B | 1.12B |
| PurchaseOfInvestment | -12.85B | -14.57B | -2.26B | -1.12B |
| NetBusinessPurchaseAndSale | 820.00K | -5.05M | 0.00 | 0.00 |
| SaleOfBusiness | 820.00K | 0.00 | 0.00 | 0.00 |
| PurchaseOfBusiness | 0.00 | -5.05M | 0.00 | 0.00 |
| NetPPEPurchaseAndSale | -9.18M | -4.31M | -11.00K | -8.79M |
| SaleOfPPE | 10.00K | 133.00K | 871.00K | 612.00K |
| PurchaseOfPPE | -9.19M | -4.44M | -882.00K | -9.40M |
| OperatingCashFlow | 1.42B | 2.17B | 1.85B | 158.19M |
| CashFlowFromContinuingOperatingActivities | 1.42B | 2.17B | 1.85B | 158.19M |
| ChangeInWorkingCapital | -1.49B | -293.50M | 405.17M | -1.44B |
| ChangeInOtherWorkingCapital | 46.03M | 526.35M | -126.75M | -318.27M |
| ChangeInOtherCurrentLiabilities | 260.60M | -64.16M | -35.50M | -84.48M |
| ChangeInPayablesAndAccruedExpense | 172.17M | 216.75M | 118.24M | -20.99M |
| ChangeInAccruedExpense | 159.90M | 199.99M | 123.16M | -30.15M |
| ChangeInPayable | 12.26M | 16.76M | -4.92M | 9.16M |
| ChangeInAccountPayable | 12.26M | 16.76M | -4.92M | 9.16M |
| ChangeInPrepaidAssets | -991.76M | -168.73M | 1.24M | -82.17M |
| ChangeInReceivables | -973.40M | -803.71M | 447.94M | -935.50M |
| ChangesInAccountReceivables | -175.72M | -306.50M | 68.58M | -185.78M |
| OtherNonCashItems | -43.00K | -18.90M | 37.44M | |
| StockBasedCompensation | 16.93M | 6.75M | 22.14M | 19.09M |
| ProvisionandWriteOffofAssets | 1.39B | 288.19M | 188.22M | 367.52M |
| DepreciationAmortizationDepletion | 28.29M | 25.44M | 52.83M | 139.95M |
| DepreciationAndAmortization | 28.29M | 25.44M | 52.83M | 139.95M |
| Depreciation | 28.29M | 25.44M | 52.83M | 139.95M |
| OperatingGainsLosses | -109.92M | 63.94M | -13.80M | 40.05M |
| EarningsLossesFromEquityInvestments | 0.00 | |||
| GainLossOnInvestmentSecurities | -109.91M | 64.07M | -18.90M | 37.44M |
| GainLossOnSaleOfPPE | -9.00K | -133.00K | 5.10M | 2.61M |
| NetIncomeFromContinuingOperations | 1.58B | 2.08B | 1.19B | 1.03B |
SEC Filings
No SEC filings found for this symbol (may be non-US or ticker not in SEC index).
Public Trades for YRD
| Date | User | Broker | Pattern | Type | Position Size | Entry Price | Trade P&L | Status |
|---|