Yiren Digital Ltd.

Yiren Digital Ltd.

YRD
Yiren Digital Ltd.US flagNew York Stock Exchange
1.28
USD
-0.07
- -
111.28MMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
0.32
3.36
26.2
54.77
193.43
183.96
93.04
43.95
52.98
39.32
55.4
67.02
65.9
65.65
Basic EPS, GAAP
-0.86
-0.47
5.47
18.88
-3.12
25.85
12.48
-7.68
12.22
13.68
23.54
18.27
0.63
0.63
Free Cash Flow per Basic Share
-1.18
-3.94
16.79
35.24
-0.56
-67.08
2.44
2.98
1.76
21.16
24.52
16.33
7.81
10.26
Dividend per Share
- -
- -
- -
- -
10.05
1.74
- -
- -
- -
- -
- -
1.41
3.15
- -
Book Value per Share
-1.05
-1.55
3.68
19.91
30.47
-27.38
-5.76
-13.95
-2.93
10.41
33.78
51.2
48.46
48.47
Tangible Book Value per Share
0.33
3.82
19.41
36.2
49.31
-5.95
48.48
41.9
57.05
68.66
91.06
109.87
106.64
106.66
Basic Weighted Avg Shares
58
58
50
59
60
61
93
90
85
87
88
87
87
87
Sales/Revenue/Turnover
19
197
1,318
3,238
11,650
11,244
8,617
3,962
4,478
3,435
4,896
5,806
5,719
5,697
Operating Margin (%)
-266.43
-14.08
31.49
33.5
0.3
6.9
13.09
-1.26
28.75
42.85
53
28.37
-3.88
-4.28
Depreciation Expense
- -
1
4
11
141
148
395
327
140
53
25
28
31
- -
Net Income, GAAP
-51
-28
275
1,116
-188
1,580
1,156
-693
1,033
1,195
2,080
1,582
55
55
Effective Tax Rate (%)
- -
- -
31.82
- -
202.69
10.89
17.12
- -
14.15
20.1
21.36
14.99
- -
39.62
Profit Margin (%)
-266.43
-14.1
20.88
34.48
-1.61
14.05
13.41
-17.48
23.07
34.79
42.49
27.25
0.95
0.96
Working Capital
18
214
1,294
3,025
4,892
1,288
6,153
4,185
5,971
6,801
8,146
10,275
10,358
10,358
LT Debt
- -
- -
- -
- -
- -
192
301
582
1,101
803
24
41
49
49
Total Equity
19
223
977
2,140
2,970
-363
4,490
3,778
4,821
6,031
8,086
9,542
9,272
9,272
Return on Invested Capital (%)
- -
- -
40.7
- -
-1.15
35.09
32.36
- -
20.64
17.37
24.93
14.31
- -
37.18
Return on Capital (%)
- -
- -
585.01
- -
-12.49
892.46
-134.88
- -
1,161.49
93.16
88.12
42.28
- -
88.36
Return on Common Equity (%)
- -
- -
- -
163.91
-12.49
- -
- -
- -
- -
- -
106.83
42.65
1.26
1.26

Capital Structure

FRC

in mil. unless spec.
Jun'25
Sep'25
Dec'25
ST Debt
- -
- -
- -
LT Borrowings
- -
9
9
LT Finance Leases
38
43
40
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
173
- -
- -
Market Capitalization
3,646
3,656
2,246

Working Capital

FRC

in mil. unless spec.
Jun'25
Sep'25
Dec'25
Total Current Assets
11,080
11,636
12,137
Cash, Cash Equivalents & STI
4,099
3,865
3,353
Accounts Receivable, Net
554
797
826
Inventories
- -
- -
- -
Total Current Liabilities
2,599
3,143
1,779
Payables & Accruals
2,598
3,142
1,779
ST Debt
- -
- -
- -
Deferred Revenue
1
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
-120.38%
20.39%
-2.83%
Free Cash Flow
1,298.59%
205.65%
-52.09%
Net Income, GAAP
-121.8%
-55.97%
-96.55%
Sales/Revenue/Turnover
37.39%
9.87%
-1.49%
Total Cash Common Dividend
- -
- -
123.27%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
986
1,324
1,311
1,274
4,896
2024
1,378
1,513
1,500
1,452
5,806
2025
1,555
1,674
1,575
893
5,719

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
4.81
5.96
6.27
6.51
23.54
2024
5.58
4.74
4.06
3.84
18.27
2025
2.86
4.14
3.65
-9.96
0.63

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
- -
2024
- -
- -
- -
- -
1.41
2025
- -
- -
- -
- -
3.15

Company Description

APIChat
CEO
Ning Tang
Full Time Employees
949
Sector
Financial Services
Industry
Financial - Credit Services
Address
Building 9 Beijing People's Republic of China 100022
IPO Date
Dec 18, 2015
Business
Yiren Digital Ltd. (NYSE: YRD) operates an AI-powered platform that provides a comprehensive suite of financial and lifestyle services in China, including digital personal financial management, holistic wealth solutions, credit and financing products, tailor-made insurance brokerage, and consumption-based offerings such as skin care, beauty, electronics, and appliances financed through loans; its core segments encompass Yiren Wealth for mass affluent investors offering fixed income products, mutual funds, and insurance; Yiren Credit delivering online and offline loan products to individual borrowers and small business owners via a credit-tech platform with loan origination, assessment, and servicing; and an others segment focused on e-commerce and non-financial services. The company, founded in 2012 and headquartered at China Merchants Bureau Building in Beijing, primarily serves consumption and production financing needs of individuals, families, small businesses, and mass affluent customers across China, operating as a subsidiary of CreditEase Holdings (Cayman) Limited following its name change from Yirendai Ltd. in September 2019. Recent developments include robust growth in its internet insurance segment with customer numbers rising 93% quarter-over-quarter to 229,353 as of Q3 2025, alongside strategic investments in agentic AI for risk management, customer engagement, and efficiency; an MOU signed in October 2025 with Singapore-based ChainArk for crypto solutions; plans to launch an Ethereum staking service; and ongoing transformation toward AI and blockchain-enabled global financial services, evidenced by Q3 2025 revenue of RMB 1.55 billion (up 5.1% year-over-year) and loans facilitated reaching significant expansion levels.

Company News

APIChat
  • Yiren Digital Expands AI Application-Layer Strategic Investments

  • Yiren Digital Comments on Recent Media Reports Concerning Affiliates of Its Controlling Shareholder

  • Yiren Digital Advances Transition to AI-Native, Multi-Industry Operating Model with Enterprise AI Architecture Rollout

  • INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Yiren Digital Ltd. - YRD

  • INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Yiren Digital Ltd. - YRD

  • INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Yiren Digital Ltd. - YRD

  • Yiren Digital Ltd. (YRD) Presents at Deutsche Bank ADR Virtual Investor Conference Transcript

  • Yiren Digital to Present at the dbVIC - Deutsche Bank ADR Virtual Investor Conference on April 28, 2026

  • INVESTOR ALERT: Pomerantz Law Firm Investigates Claims on Behalf of Investors of Yiren Digital Ltd. – YRD

  • INVESTOR ALERT: Pomerantz Law Firm Investigates Claims on Behalf of Investors of Yiren Digital Ltd. – YRD

  • INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Yiren Digital Ltd. - YRD

  • Yiren Digital Named to S&P Global Sustainability Yearbook (China Edition) 2026, Honored as Industry Mover

  • INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Yiren Digital Ltd. - YRD

  • INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Yiren Digital Ltd. - YRD

  • INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Yiren Digital Ltd. - YRD

  • QuoteMedia (OTCMKTS:QMCI) versus Yirendai (NYSE:YRD) Financial Survey

  • INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Yiren Digital Ltd. - YRD

  • INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Yiren Digital Ltd. - YRD

  • YRD Investors Have Opportunity to Join Yiren Digital Ltd. Fraud Investigation with the Schall Law Firm

  • INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Yiren Digital Ltd. - YRD