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
1.27
USD
+0.03
- -
110.41MMarket Cap
Yiren Digital Ltd.
YRD
(New York Stock Exchange)

Recent

price

1.27

P/E

ratio

- -

div

yld

- -

ROIC.AI

2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
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
Revenue per Share
-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
Basic EPS, GAAP
-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
Free Cash Flow per Basic Share
- -
- -
- -
- -
10.05
1.74
- -
- -
- -
- -
- -
1.41
3.15
- -
Dividend 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
42.63
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
100.87
Tangible Book Value per Share
58
58
50
59
60
61
93
90
85
87
88
87
87
87
Basic Weighted Avg Shares
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
Sales/Revenue/Turnover
-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
Operating Margin (%)
- -
1
4
11
141
148
395
327
140
53
25
28
31
- -
Depreciation Expense
-51
-28
275
1,116
-188
1,580
1,156
-693
1,033
1,195
2,080
1,582
55
-687
Net Income, GAAP
- -
- -
31.82
- -
202.69
10.89
17.12
- -
14.15
20.1
21.36
14.99
- -
30
Effective Tax Rate (%)
-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
Profit Margin (%)
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
Working Capital
- -
- -
- -
- -
- -
192
301
582
1,101
803
24
41
49
35
LT Debt
19
223
977
2,140
2,970
-363
4,490
3,778
4,821
6,031
8,086
9,542
9,272
8,780
Total Equity
- -
- -
40.7
- -
-1.15
35.09
32.36
- -
20.64
17.37
24.93
14.31
- -
23.97
Return on Invested Capital (%)
- -
- -
585.01
- -
-12.49
892.46
-134.88
- -
1,161.49
93.16
88.12
42.28
- -
55.62
Return on Capital (%)
- -
- -
- -
163.91
-12.49
- -
- -
- -
- -
- -
106.83
42.65
1.26
-16.36
Return on Common Equity (%)

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
3,656
2,246
1,033

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
- -
- -
- -
- -
- -
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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

APIChatGPT

  • prnewswire.com

    Yiren Digital Advances AI Entertainment Strategy Through Warrant Agreement with an AI-Native Entertainment and Emotional Wellness Platform

  • prnewswire.com

    Yiren Digital Announces New $20 Million Share Repurchase Program

  • seekingalpha.com

    Yiren Digital Ltd. (YRD) Q1 2026 Earnings Call Prepared Remarks Transcript

  • prnewswire.com

    Yiren Digital Reports First Quarter 2026 Unaudited Financial Results

  • prnewswire.com

    Yiren Digital to Report First Quarter 2026 Financial Results on June 25, 2026

  • prnewswire.com

    Yiren Digital Announces Increase in Beneficial Ownership by Mr. Ning Tang Following Controlling Shareholder Restructuring

  • prnewswire.com

    Yiren Digital Expands AI Application-Layer Strategic Investments

  • prnewswire.com

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

  • prnewswire.com

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

  • prnewswire.com

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

  • prnewswire.com

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

  • globenewswire.com

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

  • seekingalpha.com

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

  • prnewswire.com

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

  • globenewswire.com

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

  • globenewswire.com

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

  • prnewswire.com

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

  • prnewswire.com

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

  • globenewswire.com

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

  • prnewswire.com

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