Yiren Digital logo

Yiren Digital(NYSE) YRD

Market Cap$48.87MMarket 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)-93%
5 Year-81%
1 Year-90%
1 Month-45%
$0.46
-18.68%
-0.10Today
After hours$0.45-$0.00 (-1.08%)
Yiren Digital last closing stock price
MetricPriceDate
Last closeUSD 0.562026-10-12
Yiren Digital stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-40.97%USD 0.952026-10-05
1 month-44.6%USD 1.012026-09-11
3 month-55.59%USD 1.262026-07-14
Year to date-84.88%USD 3.702025-12-31
1 year-90.48%USD 5.882025-10-10
3 year-73.07%USD 2.082023-10-13
5 year-81.12%USD 2.962021-10-13
Since inception-92.93%USD 7.922015-12-18

Yiren Digital Financials at a Glance

Market Cap

$48.87MMarket 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¥4.32B

Net Income (TTM)

-CN¥1.49B

EPS (TTM)

-$2.49

P/E Ratio

-0.22

Dividend

$0.00

Beta (Volatility)

1.12 (Average)

Price

$0.46

Volume

1,017,526.619

Open

$0.50

Previous Close

$0.56

Daily Range

$0.36 - $0.50

52-Week Range

$0.36 - $6.14

Estimated Earnings Date

Nov 25, 2026

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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 million in Q3 2025, indicating profitability
  • Cash and cash equivalents stood at CNY 4.45 billion as of Q2 2025, ensuring liquidity
Financial Highlights
  • Trailing twelve-month revenue of CNY 5.9 billion reflects robust performance
  • Current ratio of 8.99 indicates strong short-term financial health
  • Dividend yield of 44.74% demonstrates commitment to shareholder returns
Yiren Digital Ltd. operates in the financial services sector, primarily focusing on credit services. The company has established a diverse portfolio of loan products, catering to various consumer needs. Its growth trajectory is supported by increasing revenue and profitability, as evidenced by the recent quarterly results. The significant cash reserves provide a solid foundation for future investments and operational stability. With a high dividend yield, Yiren Digital showcases its dedication to returning value to shareholders, making it an intriguing option for potential investors.
AI Generated • Sep 19, 2026

Industry

Consumer Finance

Employees

981

CEO

Ning Tang

Headquarters

Beijing, BE 100022, CN

YRD Financials

Key Financial Metrics (TTM)

Gross Margin

81.44%

Operating Margin

9.60%

Net Income Margin

-34.57%

Return on Equity

-16.95%

Return on Capital

23.02%

Return on Assets

-15.58%

Earnings Yield

-4.55%

Dividend Yield

0.00%

Payout Ratio

-18.29%

Stock Overview

Market Cap

$48.87MMarket 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

1.02M

Avg. Volume

66.63K

Financials (TTM)

Gross Profit

CN¥3.52B

Operating Income

CN¥414.76M

EBITDA

-CN¥654.45M

Operating Cash Flow

-CN¥430.62M

Capital Expenditure

-CN¥25.74M

Free Cash Flow

-CN¥456.36M

Cash & ST Invst.

CN¥1.78B

Total Debt

CN¥33.26M

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%
Q22026-06-30-1.3%
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%
Q42025-12-31-649.5%
Q12026-03-3143.6%
Q22026-06-309.4%

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¥903.36M

-46.1%

Gross Profit

CN¥706.12M

-53.3%

Gross Margin

78.17%

N/A

Market Cap

$48.87MMarket 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

$49.81K

N/A

Employees

981

N/A

Net Income

-CN¥447.27M

-225.1%

EBITDA

-CN¥421.30M

-209.7%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

CN¥1.78B

-56.5%

Total Debt

CN¥33.26M

-13.1%

Accounts Receivable

CN¥4.45B

-16.1%

Inventory

CN¥0.00

N/A

Long Term Debt

CN¥33.26M

-13.1%

Short Term Debt

CN¥0.00

N/A

Return on Assets

-15.58%

N/A

Return on Invested Capital

4.33%

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 $0.46 per share.

What is the 52-week range for Yiren Digital?

Over the past 52 weeks, Yiren Digital has traded between $0.36 and $6.14.

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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