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| 1 Year | 5 Year | 5 Year Annualized | Since IPO | |
|---|---|---|---|---|
| YRD | +12.74% | +96.94% | +14.5% | -26% |
| S&P | +16.9% | +95.99% | +14.39% | +239% |
Yiren Digital Ltd. is an advanced, AI-powered platform providing a comprehensive suite of financial and lifestyle services in China. Its mission is to elevate customers' financial well-being and enhance their quality of life by delivering digital financial services, tailor-made insurance solutions, and premium lifestyle services. It supports clients at various growth stages, addressing financing needs arising from consumption and production activities, while aiming to augment the overall well-being and security of individuals, families, and businesses.
Looking to invest in America's top rival? Here are your best bets.
The company recently reported its first-quarter earnings that showed growth in customers and much better results than a year ago.
| Q2 2025 | YOY Change | |
|---|---|---|
| Revenue | $228.72M | 10.7% |
| Gross Profit | $206.11M | 19.6% |
| Gross Margin | 90.12% | 6.7% |
| Market Cap | $507.21M | 28.2% |
| Market Cap / Employee | $0.53M | 0.0% |
| Employees | 949 | 25.9% |
| Net Income | $49.43M | -12.6% |
| EBITDA | $54.20M | -18.0% |
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| Q2 2025 | YOY Change | |
|---|---|---|
| Net Cash | $621.53M | -20.7% |
| Inventory | 0 | 0.0% |
| Q2 2025 | YOY Change | |
|---|---|---|
| Long Term Debt | $5.34M | 101.3% |
| Short Term Debt | $0.00M | 0.0% |
| Q2 2025 | YOY Change | |
|---|---|---|
| Return On Assets | 9.84% | -9.3% |
| Return On Invested Capital | 12.54% | -1.5% |
| Current | YOY Change | |
|---|---|---|
| Operating Free Cash Flow | $56.75M | 11.4% |
| Metric | Q2 2024 | Q3 2024 | Q1 2025 | Q2 2025 | YoY Change |
|---|---|---|---|---|---|
| Price to Earnings | 1.43 | 1.98 | 3.23 | 2.86 | 112.77% |
| Price to Book | 0.40 | 0.32 | 0.45 | 0.38 | 13.41% |
| Price to Sales | 0.52 | 0.64 | 0.72 | 0.60 | 11.40% |
| Price to Tangible Book Value | 0.40 | 0.32 | 0.45 | 0.38 | 13.41% |
| Enterprise Value to EBITDA | -7.32 | -1.08 | 0.08 | -1.94 | -70.10% |
| Return on Equity | 21.5% | 18.0% | 14.7% | 13.6% | -46.47% |
| Total Debt | $2.17M | $5.58M | $5.21M | $5.34M | 101.34% |
YRD earnings call for the period ending September 30, 2021.
YRD earnings call for the period ending June 30, 2021.
YRD earnings call for the period ending March 31, 2021.
YRD earnings call for the period ending September 30, 2020.
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