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| 1 Year | 5 Year | 5 Year Annualized | Since IPO | |
|---|---|---|---|---|
| YRD | -5.65% | +28.55% | +5.15% | -44% |
| S&P | +12.93% | +85.68% | +13.18% | +240% |
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.
| Q3 2025 | YOY Change | |
|---|---|---|
| Revenue | $217.78M | 5.5% |
| Gross Profit | $196.38M | 10.8% |
| Gross Margin | 90.17% | 4.3% |
| Market Cap | $512.39M | 3.1% |
| Market Cap / Employee | $0.54M | 0.0% |
| Employees | 949 | 25.9% |
| Net Income | $44.38M | -10.5% |
| EBITDA | $49.82M | -5.6% |
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| Q3 2025 | YOY Change | |
|---|---|---|
| Net Cash | $598.42M | 8.7% |
| Inventory | 0 | 0.0% |
| Q3 2025 | YOY Change | |
|---|---|---|
| Long Term Debt | $5.98M | 175.7% |
| Short Term Debt | $1.30M | 0.0% |
| Q3 2025 | YOY Change | |
|---|---|---|
| Return On Assets | 8.82% | -7.7% |
| Return On Invested Capital | 12.54% | -1.5% |
| Current | YOY Change | |
|---|---|---|
| Operating Free Cash Flow | $56.85M | 11.6% |
| Metric | Q3 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Change |
|---|---|---|---|---|---|
| Price to Earnings | 1.98 | 3.23 | 2.86 | 2.97 | 107.52% |
| Price to Book | 0.32 | 0.45 | 0.38 | 0.37 | -8.71% |
| Price to Sales | 0.64 | 0.72 | 0.60 | 0.60 | 14.91% |
| Price to Tangible Book Value | 0.32 | 0.45 | 0.38 | 0.37 | -8.71% |
| Enterprise Value to EBITDA | -1.08 | 0.08 | -1.94 | -1.44 | -80.30% |
| Return on Equity | 18.0% | 14.7% | 13.6% | 12.5% | -41.65% |
| Total Debt | $5.58M | $5.21M | $5.34M | $7.28M | 235.65% |
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YRD earnings call for the period ending September 30, 2021.
YRD earnings call for the period ending June 30, 2021.
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