1. People's Republic of China Stocks

  2. •

    Financial Services

  3. •

    Financial - Credit Services
Yiren Digital Ltd.

Yiren Digital Ltd.

YRD
Yiren Digital Ltd.US flagNew York Stock Exchange
0.77
USD
+0.04
- -
67.34MMarket 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
58.25
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
-7.89
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
-2.81
Dividend per Share
- -
- -
- -
- -
10.05
1.74
- -
- -
- -
- -
- -
1.41
3.15
- -
Book Value per Share
0.17
1.94
8.35
17.91
24.48
-2.95
24.19
22.49
28.36
33.77
46.28
55.28
53.08
50.1
Tangible Book Value per Share
0.17
1.94
8.35
17.91
24.48
-2.95
24.19
22.49
28.36
33.59
46.06
55.14
52.98
50.1
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
5,070
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
-18.21
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
-687
Effective Tax Rate (%)
- -
- -
31.82
- -
202.69
10.89
17.12
- -
14.15
20.1
21.36
14.99
- -
30
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
-13.54
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
8,396
LT Debt
- -
- -
- -
- -
- -
192
301
582
1,101
803
24
41
49
35
Total Equity
19
223
977
2,140
2,970
-363
4,490
3,778
4,821
6,031
8,086
9,542
9,272
8,780
Return on Invested Capital (%)
- -
- -
40.7
- -
-1.15
35.09
32.36
- -
20.64
17.37
24.93
14.31
- -
23.97
Return on Capital (%)
- -
- -
45.88
- -
-7.36
112.88
50.03
- -
20.09
18.73
27.84
17.89
- -
26.33
Return on Common Equity (%)
- -
-22.85
45.88
71.64
-7.36
- -
- -
-16.76
24.03
22.02
29.47
17.95
0.58
-7.41

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
9
9
- -
LT Finance Leases
43
40
35
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
175
175
175
Market Capitalization
7,376
4,521
2,077

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
11,636
12,137
9,446
Cash, Cash Equivalents & STI
3,865
3,353
2,453
Accounts Receivable, Net
797
826
911
Inventories
- -
- -
- -
Total Current Liabilities
3,143
1,779
1,050
Payables & Accruals
3,142
1,779
1,050
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

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
2024
1,378
1,513
1,500
1,452
5,806
2025
1,577
1,674
1,575
893
5,719
2026
928
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
5.58
4.74
4.06
3.84
18.27
2025
2.86
4.14
3.65
-9.96
0.63
2026
-5.64
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
1.41
2025
- -
- -
- -
- -
3.15
2026
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Na Mei
Full Time Employees
981
Sector
Financial Services
Industry
Financial - Credit Services
Address
China Merchants Bureau Building Beijing BE People's Republic of China 100022
IPO Date
Dec 18, 2015
CIK
0001631761
Website
yiren.com
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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

Company News APIChatGPT

  • globenewswire.com

    Yiren Digital Ltd. Investor News: If You Have Suffered Losses in Yiren Digital Ltd.

  • gurufocus.com

    Securities Fraud Investigation Into Yiren Digital Ltd. (YRD) Continues -- Shareholders Who Lost Money Urged To Contact The Law Offices of Frank R. Cruz

  • businesswire.com

    Securities Fraud Investigation Into Yiren Digital Ltd. (YRD) Continues – Shareholders Who Lost Money Urged To Contact The Law Offices of Frank R.

  • prnewswire.com

    Rosen Law Firm Encourages Yiren Digital Ltd. Investors to Inquire About Securities Class Action Investigation - YRD

  • newsfilecorp.com

    ROSEN, RECOGNIZED INVESTOR COUNSEL, Encourages Yiren Digital Ltd. Investors to Inquire About Securities Class Action Investigation - YRD

  • newsfilecorp.com

    ROSEN, LEADING INVESTOR COUNSEL, Encourages Yiren Digital Ltd. Investors to Inquire About Securities Class Action Investigation - YRD

  • businesswire.com

    Rosen Law Firm Encourages Yiren Digital Ltd. Investors to Inquire About Securities Class Action Investigation - YRD

  • businesswire.com

    Securities Fraud Investigation Into Yiren Digital Ltd. (YRD) Announced – Shareholders Who Lost Money Urged To Contact Glancy Prongay Wolke & Rotter LLP, a Leading Securities Fraud Law Firm

  • businesswire.com

    Yiren Digital Ltd. (YRD) Shareholders Who Lost Money – Contact Law Offices of Howard G.

  • businesswire.com

    Securities Fraud Investigation Into Yiren Digital Ltd. (YRD) Announced – Shareholders Who Lost Money Urged To Contact The Law Offices of Frank R.

  • benzinga.com

    Why is Yiren Digital Stock Surging Wednesday?

  • prnewswire.com

    Yiren Digital Provides Further Update on Operations

  • prnewswire.com

    Yiren Digital Appoints Na Mei as Acting Chief Executive Officer

  • prnewswire.com

    Yiren Digital Provides Update on Its CEO and Operations

  • seekingalpha.com

    Yiren Digital Ltd. (YRD) Q2 2026 Earnings Call Prepared Remarks Transcript

  • marketbeat.com

    Yirendai Q2 Earnings Call Highlights

  • prnewswire.com

    Yiren Digital Reports Second Quarter 2026 Unaudited Financial Results

  • prnewswire.com

    Yiren Digital to Report Second Quarter 2026 Financial Results on September 30, 2026

  • defenseworld.net

    Yirendai (NYSE:YRD) & Regional Management (NYSE:RM) Critical Survey

  • prnewswire.com

    Yiren Digital Upgrades Enterprise AI Across Core Business Functions