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Yiren Digital(NYSE) YRD

Market Cap$58.74MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2015)-92%
5 Year-79%
1 Year-89%
1 Month-33%
$0.69
-3.92%
-0.03Today
After hours$0.66-$0.03 (-3.86%)
Yiren Digital last closing stock price
MetricPriceDate
Last closeUSD 0.672026-10-23
Yiren Digital stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-10.8%USD 0.752026-10-16
1 month-32.75%USD 1.002026-09-23
3 month-43.01%USD 1.182026-07-24
Year to date-81.82%USD 3.702025-12-31
1 year-88.64%USD 5.922025-10-23
3 year-66.32%USD 2.002023-10-24
5 year-78.78%USD 3.172021-10-22
Since inception-91.51%USD 7.922015-12-18

Yiren Digital Financials at a Glance

Market Cap

$58.74MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

CN¥4.31B

Net Income (TTM)

-CN¥1.49B

EPS (TTM)

-$2.49

P/E Ratio

-0.27

Dividend

$0.00

Beta (Volatility)

1.10 (Average)

Price

$0.69

Volume

143,703.381

Open

$0.70

Previous Close

$0.67

Daily Range

$0.65 - $0.70

52-Week Range

$0.36 - $6.08

Estimated Earnings Date

Nov 25, 2026

YRD News

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About Yiren Digital

Yiren Digital Ltd. is a prominent online consumer finance marketplace based in China, connecting borrowers and investors since its inception in 2012. The company specializes in facilitating loans and providing comprehensive financial services, including investment products and educational resources.

Products and Services
  • Facilitates unsecured and secured consumer loans
  • Offers financial investment products like mutual funds and insurance
  • Provides online investor education and wealth management services
Growth Outlook
  • Revenue increased to CNY 889.98 million in Q2 2026
  • Strong gross profit margin of 78.7% in the latest quarter
  • Significant cash reserves of CNY 1.78 billion as of June 2026
Financial Highlights
  • Trailing twelve-month revenue of CNY 3.67 billion
  • Net income margin of -50.2% in Q2 2026
  • Current ratio of 13.88 indicates strong liquidity position
Yiren Digital Ltd. operates in the financial services sector, focusing on credit services. The company has established a diverse portfolio of loan products, catering to various consumer needs. Its commitment to providing extensive online education and support enhances its value proposition to clients. The growth outlook appears promising, with a notable increase in revenue and a robust gross profit margin. The company's liquidity position is strong, as indicated by its current ratio, which suggests it can meet short-term obligations effectively. However, the net income margin reflects ongoing challenges, as the company reported a loss in the latest quarter. Investors may find Yiren Digital's strategic positioning within the rapidly evolving Chinese financial landscape appealing. The company's focus on technology-driven solutions and customer education could provide a competitive edge in the marketplace.
AI Generated • Oct 19, 2026

Industry

Consumer Finance

Sector

Financials

Employees

981

CEO

Ning Tang

Website

www.yiren.com

Headquarters

Beijing, BE 100022, CN

YRD Financials

Key Financial Metrics (TTM)

Gross Margin

81.56%

Operating Margin

11.63%

Net Income Margin

-34.67%

Return on Equity

-16.95%

Return on Capital

23.02%

Return on Assets

-15.58%

Earnings Yield

-3.70%

Dividend Yield

0.00%

Payout Ratio

-18.30%

Stock Overview

Market Cap

$58.74MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

87.34M

Volume

143.70K

Avg. Volume

2.21M

Financials (TTM)

Gross Profit

CN¥3.51B

Operating Income

CN¥500.62M

EBITDA

-CN¥1.33B

Operating Cash Flow

-CN¥1.87B

Capital Expenditure

-CN¥25.74M

Free Cash Flow

-CN¥1.90B

Cash & ST Invst.

CN¥1.70B

Total Debt

CN¥33.25M

Yiren Digital Performance Analysis

Yiren Digital annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31CNY 510,063,246-27.7%
20232023-12-31CNY 690,350,63635.3%
20242024-12-31CNY 806,731,71816.9%
20252025-12-31CNY 796,190,770-1.3%
Yiren Digital sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-30-7.1%
Q42025-12-31-39.2%
Q12026-03-31-3.2%
Q22026-06-30-2.7%
Yiren Digital annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31CNY 2.027.8%
20232023-12-31CNY 3.2962.4%
20242024-12-31CNY 2.52-23.4%
20252025-12-31CNY 0.09-96.5%
Yiren Digital sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-30-11.4%
Q42025-12-31-373.7%
Q12026-03-3143.4%
Q22026-06-309.6%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

CN¥889.98M

-46.8%

Gross Profit

CN¥700.37M

-53.7%

Gross Margin

78.70%

N/A

Market Cap

$58.74MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$59.87K

N/A

Employees

981

N/A

Net Income

-CN¥446.79M

-225.0%

EBITDA

-CN¥424.56M

-210.5%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

CN¥1.70B

-58.6%

Total Debt

CN¥33.25M

-13.1%

Accounts Receivable

CN¥4.63B

-12.7%

Inventory

CN¥0.00

N/A

Long Term Debt

CN¥33.25M

-13.1%

Short Term Debt

CN¥0.00

N/A

Return on Assets

-15.58%

N/A

Return on Invested Capital

5.55%

N/A

Free Cash Flow

-CN¥1.03B

-350.3%

Operating Cash Flow

-CN¥1.03B

-350.3%

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Questions About YRD

What is the current price of Yiren Digital?

Yiren Digital is trading at $0.67 per share.

What is the 52-week range for Yiren Digital?

Over the past 52 weeks, Yiren Digital has traded between $0.36 and $6.08.

How much debt does Yiren Digital have?

As of the most recent reporting period, Yiren Digital reported total debt of CN¥4.90M.

How much cash does Yiren Digital have on hand?

Yiren Digital reported CN¥262.61M in cash and cash equivalents in its most recent financial results.

What is Yiren Digital’s dividend yield?

Yiren Digital does not currently have a dividend yield.

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