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Yiren Digital(NYSE) YRD

Market Cap$96.95MMarket 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-69%
1 Year-81%
1 Month+23%
$1.10
-1.79%
-0.02Today
After hours$1.11+$0.01 (+0.91%)
Yiren Digital last closing stock price
MetricPriceDate
Last closeUSD 1.112026-07-31
Yiren Digital stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-5.93%USD 1.182026-07-24
1 month+23.09%USD 0.902026-07-01
3 month-45.32%USD 2.032026-05-01
Year to date-70%USD 3.702025-12-31
1 year-80.54%USD 5.702025-07-31
3 year-53.92%USD 2.412023-08-01
5 year-69.47%USD 3.642021-07-30
Since inception-85.98%USD 7.922015-12-18

Yiren Digital Financials at a Glance

Market Cap

$96.95MMarket 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

-0.95

Dividend

$0.22

Beta (Volatility)

1.10 (Average)

Price

$1.10

Volume

52,723.455

Open

$1.10

Previous Close

$1.11

Daily Range

$1.08 - $1.13

52-Week Range

$0.82 - $6.79

Estimated Earnings Date

Aug 13, 2026

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About Yiren Digital

Yiren Digital Ltd. is a prominent online consumer finance marketplace in China, connecting borrowers and investors since its inception in 2012. The company specializes in facilitating loans and providing comprehensive post-origination support, including cash processing and debt collection.

Products and Services
  • Unsecured consumer credit and secured loans
  • Financial investment products, including mutual funds and insurance
  • Online investor education and wealth management services
Growth Outlook
  • Revenue increased to CNY 1.68 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 as of Q2 2025, providing liquidity
Financial Highlights
  • Trailing twelve-month revenue of CNY 5.9 billion, reflecting consistent growth
  • Current ratio of 9.0, indicating strong short-term financial health
  • Net income margin of 20.4% in Q3 2025, demonstrating effective cost management
Yiren Digital Ltd. operates in the financial services sector, focusing on credit services. The company has established a diverse portfolio of loan products and financial services, catering to a wide range of consumer needs. The recent financial performance indicates a positive trajectory, with significant revenue growth and a strong liquidity position. The company's ability to generate net income in recent quarters highlights its operational efficiency and market demand for its services. With a robust current ratio, Yiren Digital is well-positioned to navigate short-term financial obligations while pursuing further growth opportunities in the evolving financial landscape.
AI Generated • Jul 21, 2026

Industry

Consumer Finance

Employees

981

CEO

Ning Tang

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

-1.05%

Dividend Yield

19.82%

Payout Ratio

-39.68%

Stock Overview

Market Cap

$96.95MMarket 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

52.72K

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

$96.95MMarket 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

$98.83K

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 $1.11 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 19.82%.

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