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Yiren Digital(NYSE) YRD

Market Cap$99.57MMarket 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)-86%
5 Year-66%
1 Year-80%
1 Month-9%
Premium Feature
Moneyball Superscore
59/100
$1.14
+0.00%
+0.00Today
After hours$1.15+$0.01 (+0.88%)
Yiren Digital last closing stock price
MetricPriceDate
Last closeUSD 1.142026-08-21
Yiren Digital stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-4.2%USD 1.192026-08-14
1 month-8.8%USD 1.252026-07-22
3 month-28.75%USD 1.602026-05-22
Year to date-69.19%USD 3.702025-12-31
1 year-80.41%USD 5.822025-08-21
3 year-50.65%USD 2.312023-08-22
5 year-65.68%USD 3.322021-08-20
Since inception-85.6%USD 7.922015-12-18

Yiren Digital Financials at a Glance

Market Cap

$99.57MMarket 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¥5.10B

Net Income (TTM)

-CN¥688.35M

EPS (TTM)

-$1.17

P/E Ratio

-0.97

Dividend

$0.22

Beta (Volatility)

1.10 (Average)

Price

$1.14

Volume

30,203.897

Open

$1.17

Previous Close

$1.14

Daily Range

$1.13 - $1.17

52-Week Range

$0.82 - $6.79

Estimated Earnings Date

Aug 21, 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 a range of 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 1.67 billion in Q2 2025, showcasing strong demand
  • Net income reached CNY 317.6 million in Q3 2025, indicating profitability
  • Cash and cash equivalents stood at CNY 4.45 billion, reflecting solid liquidity
Financial Highlights
  • Trailing twelve months (TTM) revenue of CNY 5.9 billion demonstrates growth potential
  • Current ratio of 8.99 indicates strong short-term financial health
  • Dividend yield of 37.61% suggests attractive returns for investors
Yiren Digital Ltd. operates in the financial services sector, primarily focusing on credit services. The company has established a robust platform that not only connects borrowers with investors but also offers a diverse array of financial products. This includes unsecured consumer credit, secured loans, and various investment options, catering to a wide range of customer needs. The growth outlook for Yiren Digital appears promising, with significant revenue increases and a strong net income reported in recent quarters. The company's liquidity position is also noteworthy, with substantial cash reserves that provide a buffer against market fluctuations. The high current ratio further emphasizes the company's ability to meet its short-term obligations, which is a positive indicator for potential investors. Financial highlights reveal a strong performance over the trailing twelve months, with impressive revenue figures and a high dividend yield, making Yiren Digital an attractive option for those interested in the financial services sector. The company's commitment to providing comprehensive financial solutions and education positions it well for future growth in the rapidly evolving consumer finance landscape in China.
AI Generated • Aug 20, 2026

Industry

Consumer Finance

Sector

Financials

Employees

981

CEO

Ning Tang

Website

www.ir.yiren.com

Headquarters

Beijing, BE 100022, CN

YRD Financials

Key Financial Metrics (TTM)

Gross Margin

85.00%

Operating Margin

12.03%

Net Income Margin

-13.49%

Return on Equity

-7.18%

Return on Capital

23.02%

Return on Assets

-5.51%

Earnings Yield

-1.03%

Dividend Yield

19.30%

Payout Ratio

-39.68%

Stock Overview

Market Cap

$99.57MMarket 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

30.20K

Avg. Volume

1.07M

Financials (TTM)

Gross Profit

CN¥4.34B

Operating Income

CN¥613.93M

EBITDA

-CN¥443.37M

Operating Cash Flow

-CN¥430.62M

Capital Expenditure

-CN¥25.74M

Free Cash Flow

-CN¥456.36M

Cash & ST Invst.

CN¥2.45B

Total Debt

CN¥35.29M

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
Q22025-06-307.7%
Q32025-09-30-7.1%
Q42025-12-31-39.2%
Q12026-03-31-1.9%
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
Q22025-06-3044.2%
Q32025-09-30-11.4%
Q42025-12-31-649.5%
Q12026-03-3143.6%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

CN¥927.64M

-40.3%

Gross Profit

CN¥730.09M

-45.1%

Gross Margin

78.70%

N/A

Market Cap

$99.57MMarket 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

$101.50K

N/A

Employees

981

N/A

Net Income

-CN¥493.54M

-299.4%

EBITDA

-CN¥371.56M

-220.8%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

CN¥2.45B

-39.3%

Total Debt

CN¥35.29M

-6.7%

Accounts Receivable

CN¥6.61B

+37.0%

Inventory

CN¥0.00

N/A

Long Term Debt

CN¥35.29M

-6.7%

Short Term Debt

CN¥0.00

N/A

Return on Assets

-5.51%

N/A

Return on Invested Capital

5.36%

N/A

Free Cash Flow

-CN¥655.59M

-237.0%

Operating Cash Flow

-CN¥655.59M

-237.0%

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Questions About YRD

What is the current price of Yiren Digital?

Yiren Digital is trading at $1.14 per share.

What is the 52-week range for Yiren Digital?

Over the past 52 weeks, Yiren Digital has traded between $0.82 and $6.79.

How much debt does Yiren Digital have?

As of the most recent reporting period, Yiren Digital reported total debt of CN¥5.11M.

How much cash does Yiren Digital have on hand?

Yiren Digital reported CN¥410.60M in cash and cash equivalents in its most recent financial results.

What is Yiren Digital’s dividend yield?

Yiren Digital currently has a dividend yield of 19.30%.

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