Symbols / YRD $2.14 -0.47% Yiren Digital Ltd.

Financial Services • Credit Services • China • NYQ
YRD Chart
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About

Yiren Digital Ltd. provides financial services through an AI-powered platform in China. Its platform provides a suite of financial and lifestyle services. The company offers financial services, which provides a portfolio of loan products to borrowers; insurance brokerage services; and consumption and lifestyle services, including non-financial products and services to meet various consumer needs. It supports clients at various growth stages, addressing financing needs arising from consumption and production activities, and augmenting the well-being and security of individuals, families, and businesses. The company was formerly known as Yirendai Ltd. and changed its name to Yiren Digital Ltd. in September 2019. The company was founded in 2012 and is based in Beijing, the People's Republic of China. Yiren Digital Ltd. operates as a subsidiary of CreditEase Holdings (Cayman) Limited.

Fundamentals
Scroll to Statements
Market Cap 186.04M Enterprise Value -2.94B Income 40.53M Sales 5.72B Book/sh 15.42 Cash/sh 19.20
Dividend Yield 27.16% Payout 6.82% Employees — IPO — P/E 30.57 Forward P/E 5.10
PEG — P/S 0.03 P/B 0.14 P/C — EV/EBITDA -1.36 EV/Sales -0.51
Quick Ratio 16.28 Current Ratio 22.99 Debt/Eq 0.43 LT Debt/Eq — EPS (ttm) 0.07 EPS next Y 0.42
EPS Growth — Revenue Growth -34.10% Earnings 2026-06-11 ROA 10.17% ROE 0.43% ROIC —
Gross Margin 86.25% Oper. Margin 4.10% Profit Margin 0.71% Shs Outstand 86.41M Shs Float 29.35M Short Float 0.69%
Short Ratio 0.73 Short Interest — 52W High 7.68 52W Low 1.58 Beta 1.12 Avg Volume 95.70K
Volume 39.46K Target Price — Recom None Prev Close $2.15 Price $2.14 Change -0.47%
Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
—
Mean price target
2. Current target
$2.14
Latest analyst target
3. DCF / Fair value
$-488.35
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$2.14
Low
—
High
—
Mean
—

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2020-02-04 down UBS Neutral → Sell $4
2020-01-22 down Credit Suisse Neutral → Underperform —
2019-10-03 down Citigroup Neutral → Sell $6
2019-09-05 down Macquarie Neutral → Underperform —
2018-08-29 down Needham Buy → Hold —
2018-06-25 down Morgan Stanley Overweight → Equal-Weight —
2017-11-14 init Macquarie — → Outperform $60
2016-08-10 down Nomura — → — —
2016-04-11 down Nomura Buy → Neutral —
2016-01-27 init Needham — → Buy —
News
RSS: Latest YRD news
Insider Transactions

No recent insider transactions.

Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total Revenue
5,805.90
+18.59%
4,895.63
+42.54%
3,434.62
-23.30%
4,477.93
Operating Revenue
5,523.87
+20.19%
4,595.82
+58.94%
2,891.50
-19.54%
3,593.68
Cost Of Revenue
882.96
-9.55%
976.17
+25.66%
776.84
+2.10%
760.86
Reconciled Cost Of Revenue
882.96
-9.55%
976.17
+25.66%
776.84
+2.10%
760.86
Gross Profit
4,922.94
+25.60%
3,919.46
+47.47%
2,657.78
-28.50%
3,717.07
Operating Expense
3,275.88
+147.30%
1,324.68
+11.70%
1,185.91
-51.19%
2,429.74
Research And Development
411.88
+176.88%
148.75
-2.09%
151.92
-26.96%
208.00
Selling General And Administration
1,471.10
+65.71%
887.74
+4.96%
845.77
-54.32%
1,851.59
Selling And Marketing Expense
1,196.43
+82.21%
656.60
+14.40%
573.97
-63.05%
1,553.34
General And Administrative Expense
274.67
+18.84%
231.13
-14.96%
271.79
-8.87%
298.24
Other Gand A
274.67
+18.84%
231.13
-14.96%
271.79
-8.87%
298.24
Other Operating Expenses
869.28
+3115.39%
27.04
+25.74%
21.50
-94.19%
370.15
Total Expenses
4,158.84
+80.75%
2,300.85
+17.23%
1,962.76
-38.48%
3,190.60
Operating Income
1,647.06
-36.52%
2,594.78
+76.29%
1,471.86
+14.33%
1,287.33
EBITDA
1,675.35
-36.06%
2,620.22
+71.85%
1,524.69
+6.82%
1,427.28
Normalized EBITDA
1,567.82
-41.29%
2,670.39
+77.34%
1,505.80
+2.80%
1,464.72
Reconciled Depreciation
28.29
+11.19%
25.44
-51.84%
52.83
-62.25%
139.95
EBIT
1,647.06
-36.52%
2,594.78
+76.29%
1,471.86
+14.33%
1,287.33
Total Unusual Items
107.53
+314.33%
-50.17
-365.46%
18.90
+150.48%
-37.44
Total Unusual Items Excluding Goodwill
107.53
+314.33%
-50.17
-365.46%
18.90
+150.48%
-37.44
Special Income Charges
—
—
0.00
0.00
Net Income
1,582.30
-23.94%
2,080.20
+74.09%
1,194.87
+15.67%
1,032.98
Pretax Income
1,861.92
-29.62%
2,645.36
+76.90%
1,495.38
+24.29%
1,203.17
Net Non Operating Interest Income Expense
105.48
+30.62%
80.75
+407.01%
-26.30
+64.16%
-73.38
Net Interest Income
105.48
+30.62%
80.75
+407.01%
-26.30
+64.16%
-73.38
Other Income Expense
109.38
+462.53%
-30.17
-160.56%
49.82
+562.29%
-10.78
Other Non Operating Income Expenses
1.85
-90.76%
20.00
-35.32%
30.92
+15.96%
26.66
Gain On Sale Of Security
107.53
+314.33%
-50.17
-365.46%
18.90
+150.48%
-37.44
Tax Provision
279.18
-50.60%
565.16
+88.07%
300.51
+76.58%
170.19
Tax Rate For Calcs
0.00
-29.82%
0.00
+6.31%
0.00
+42.07%
0.00
Tax Effect Of Unusual Items
16.12
+250.43%
-10.72
-382.21%
3.80
+171.71%
-5.30
Net Income Including Noncontrolling Interests
1,582.30
-23.94%
2,080.20
+74.09%
1,194.87
+15.67%
1,032.98
Net Income From Continuing Operation Net Minority Interest
1,582.30
-23.94%
2,080.20
+74.09%
1,194.87
+15.67%
1,032.98
Net Income From Continuing And Discontinued Operation
1,582.30
-23.94%
2,080.20
+74.09%
1,194.87
+15.67%
1,032.98
Net Income Continuous Operations
1,582.30
-23.94%
2,080.20
+74.09%
1,194.87
+15.67%
1,032.98
Normalized Income
1,490.89
-29.66%
2,119.65
+79.67%
1,179.77
+10.76%
1,065.13
Net Income Common Stockholders
1,582.30
-23.94%
2,080.20
+74.09%
1,194.87
+15.67%
1,032.98
Diluted EPS
18.11
-22.20%
23.28
+70.88%
13.63
—
Basic EPS
18.27
-22.40%
23.54
+72.07%
13.68
—
Basic Average Shares
86.63
-1.98%
88.37
+1.18%
87.35
—
Diluted Average Shares
87.36
-2.23%
89.34
+1.88%
87.70
—
Diluted NI Availto Com Stockholders
1,582.30
-23.94%
2,080.20
+74.09%
1,194.87
+15.67%
1,032.98
Earnings From Equity Interest
—
—
18.90
+150.48%
-37.44
Earnings From Equity Interest Net Of Tax
-0.44
0.00
0.00
0.00
Gain On Sale Of PPE
—
—
0.00
0.00
Provision For Doubtful Accounts
523.62
+100.50%
261.15
+56.64%
166.72
-54.96%
370.15
Total Other Finance Cost
-105.48
-30.62%
-80.75
-407.01%
26.30
-64.16%
73.38
Line Item Trend 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total Assets
12,982.70
+26.33%
10,276.92
+20.39%
8,536.09
+10.29%
7,739.44
Current Assets
11,741.16
+29.13%
9,092.32
+18.42%
7,678.11
+19.64%
6,417.90
Cash Cash Equivalents And Short Term Investments
4,271.90
-32.25%
6,305.47
+20.23%
5,244.64
+72.41%
3,041.90
Cash And Cash Equivalents
3,841.28
-33.67%
5,791.33
+35.57%
4,271.90
+49.13%
2,864.54
Other Short Term Investments
430.62
-16.24%
514.14
-47.15%
972.74
+448.45%
177.36
Receivables
4,918.35
+126.20%
2,174.34
-0.11%
2,176.82
-28.53%
3,045.72
Accounts Receivable
566.54
+13.53%
499.03
+125.80%
221.00
-27.54%
305.02
Gross Accounts Receivable
721.47
+32.20%
545.74
+128.12%
239.24
-23.64%
313.31
Allowance For Doubtful Accounts Receivable
-154.93
-231.64%
-46.72
-156.18%
-18.23
-119.80%
-8.30
Other Receivables
531.87
+227.51%
162.40
-74.06%
625.99
-64.97%
1,787.02
Accrued Interest Receivable
10.06
-32.47%
14.90
+56.29%
9.54
+1268.29%
0.70
Loans Receivable
421.92
-37.75%
677.84
+1154.11%
54.05
-26.70%
73.73
Prepaid Assets
2,290.63
+563.50%
345.23
+105.67%
167.86
-32.71%
249.47
Restricted Cash
260.27
-2.62%
267.27
+200.99%
88.80
+9.90%
80.80
Total Non Current Assets
1,241.54
+4.81%
1,184.60
+38.07%
857.99
-35.08%
1,321.54
Net PPE
84.59
+21.62%
69.55
-15.88%
82.67
-54.90%
183.30
Gross PPE
139.85
+18.25%
118.26
-5.83%
125.59
-56.21%
286.77
Accumulated Depreciation
-55.26
-13.45%
-48.71
-13.51%
-42.91
+58.53%
-103.47
Properties
0.00
0.00
0.00
0.00
Buildings And Improvements
38.46
+0.00%
38.46
+0.00%
38.46
+0.00%
38.46
Machinery Furniture Equipment
56.65
+8.11%
52.39
+6.85%
49.03
-57.95%
116.60
Other Properties
39.70
+69.77%
23.38
-31.04%
33.91
-58.01%
80.75
Leases
5.04
+25.48%
4.02
-3.81%
4.18
-91.80%
50.95
Goodwill And Other Intangible Assets
38.56
+2.10%
37.77
+13.53%
33.27
—
Goodwill
4.78
+0.00%
4.78
+0.00%
4.78
—
Other Intangible Assets
33.78
+2.41%
32.99
+15.80%
28.49
—
Investments And Advances
15.83
+51.88%
10.42
+285.93%
2.70
+22.73%
2.20
Long Term Equity Investment
9.24
0.00
—
—
Non Current Accounts Receivable
1,008.92
+3.16%
978.05
+56.05%
626.74
-43.33%
1,105.90
Non Current Deferred Assets
77.76
+5.87%
73.45
-13.57%
84.97
+389.85%
17.35
Non Current Deferred Taxes Assets
77.46
+5.52%
73.41
-12.80%
84.19
+1039.51%
7.39
Other Non Current Assets
15.89
+3.42%
15.36
-44.40%
27.63
+115.99%
12.79
Total Liabilities Net Minority Interest
3,440.27
+56.99%
2,191.37
-12.53%
2,505.28
-14.14%
2,918.01
Current Liabilities
2,094.66
+8.83%
1,924.77
+28.00%
1,503.71
-3.17%
1,552.98
Payables And Accrued Expenses
2,085.18
+11.46%
1,870.73
+30.08%
1,438.17
-6.65%
1,540.60
Payables
1,702.96
+8.61%
1,567.92
+64.60%
952.57
+8.44%
878.47
Accounts Payable
43.17
+39.69%
30.90
+118.48%
14.14
-25.81%
19.07
Other Payable
377.85
-36.11%
591.42
+299.97%
147.86
-15.43%
174.83
Current Accrued Expenses
382.22
+26.23%
302.81
-37.64%
485.60
-26.66%
662.13
Total Tax Payable
1,152.31
+23.75%
931.19
+65.45%
562.84
+124.74%
250.44
Current Deferred Liabilities
9.48
-82.46%
54.04
-17.54%
65.54
+429.44%
12.38
Current Deferred Revenue
9.48
-82.46%
54.04
-17.54%
65.54
+429.44%
12.38
Total Non Current Liabilities Net Minority Interest
1,345.61
+404.74%
266.59
-73.38%
1,001.57
-26.63%
1,365.03
Long Term Debt And Capital Lease Obligation
40.77
+72.38%
23.65
-97.06%
803.13
-27.03%
1,100.70
Long Term Debt
—
—
767.90
-25.35%
1,028.60
Long Term Capital Lease Obligation
40.77
+72.38%
23.65
-32.87%
35.23
-51.14%
72.10
Long Term Provisions
—
—
—
5.73
Non Current Deferred Liabilities
41.47
-66.03%
122.08
+53.09%
79.74
-29.14%
112.53
Non Current Deferred Taxes Liabilities
41.47
-66.03%
122.08
+53.09%
79.74
-29.14%
112.53
Other Non Current Liabilities
1,263.37
+945.22%
120.87
+1.83%
118.70
-18.73%
146.06
Stockholders Equity
9,542.43
+18.02%
8,085.55
+34.07%
6,030.81
+25.08%
4,821.43
Common Stock Equity
9,542.43
+18.02%
8,085.55
+34.07%
6,030.81
+25.08%
4,821.43
Capital Stock
0.13
+1.54%
0.13
+0.78%
0.13
+4.88%
0.12
Common Stock
0.13
+1.54%
0.13
+0.78%
0.13
+4.88%
0.12
Share Issued
184.32
+1.22%
182.09
+0.75%
180.74
+5.51%
171.30
Ordinary Shares Number
172.61
-1.20%
174.71
-2.17%
178.58
+5.05%
170.00
Treasury Shares Number
11.71
+58.66%
7.38
+241.49%
2.16
+66.14%
1.30
Additional Paid In Capital
5,198.46
+0.53%
5,171.23
+0.20%
5,160.78
+1.18%
5,100.49
Retained Earnings
4,435.04
+48.56%
2,985.37
+228.47%
908.87
+466.73%
-247.83
Gains Losses Not Affecting Retained Earnings
79.27
+234.90%
23.67
+204.82%
7.76
-32.79%
11.55
Treasury Stock
170.46
+79.72%
94.85
+102.96%
46.73
+8.94%
42.90
Other Equity Adjustments
79.27
+234.90%
23.67
+204.82%
7.76
-32.79%
11.55
Total Equity Gross Minority Interest
9,542.43
+18.02%
8,085.55
+34.07%
6,030.81
+25.08%
4,821.43
Total Capitalization
9,542.43
+18.02%
8,085.55
+18.93%
6,798.71
+16.22%
5,850.03
Working Capital
9,646.50
+34.59%
7,167.55
+16.08%
6,174.40
+26.92%
4,864.92
Invested Capital
9,542.43
+18.02%
8,085.55
+18.93%
6,798.71
+16.22%
5,850.03
Total Debt
40.77
+72.38%
23.65
-97.06%
803.13
-27.03%
1,100.70
Capital Lease Obligations
40.77
+72.38%
23.65
-32.87%
35.23
-51.14%
72.10
Net Tangible Assets
9,503.87
+18.09%
8,047.78
+34.18%
5,997.55
+24.39%
4,821.43
Tangible Book Value
9,503.87
+18.09%
8,047.78
+34.18%
5,997.55
+24.39%
4,821.43
Duefrom Related Parties Current
3,387.95
+313.07%
820.18
-35.23%
1,266.23
+44.01%
879.26
Dueto Related Parties Current
129.63
+799.33%
14.41
-93.67%
227.72
-47.54%
434.13
Held To Maturity Securities
6.59
-36.79%
10.42
+285.93%
2.70
+22.73%
2.20
Investmentin Financial Assets
6.59
-36.79%
10.42
+285.93%
2.70
+22.73%
2.20
Line Item Trend 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Operating Cash Flow
1,424.08
-34.40%
2,171.01
+17.39%
1,849.43
+1069.10%
158.19
Cash Flow From Continuing Operating Activities
1,424.08
-34.40%
2,171.01
+17.39%
1,849.43
+1069.10%
158.19
Net Income From Continuing Operations
1,582.30
-23.94%
2,080.20
+74.09%
1,194.87
+15.67%
1,032.98
Depreciation Amortization Depletion
28.29
+11.19%
25.44
-51.84%
52.83
-62.25%
139.95
Depreciation
28.29
+11.19%
25.44
-51.84%
52.83
-62.25%
139.95
Depreciation And Amortization
28.29
+11.19%
25.44
-51.84%
52.83
-62.25%
139.95
Other Non Cash Items
-0.04
—
-18.90
-150.48%
37.44
Stock Based Compensation
16.93
+150.71%
6.75
-69.50%
22.14
+15.96%
19.09
Provisionand Write Offof Assets
1,392.90
+383.33%
288.19
+53.11%
188.22
-48.79%
367.52
Operating Gains Losses
-109.92
-271.92%
63.94
+563.42%
-13.80
-134.45%
40.05
Gain Loss On Investment Securities
-109.91
-271.55%
64.07
+439.00%
-18.90
-150.48%
37.44
Gain Loss On Sale Of PPE
-0.01
+93.23%
-0.13
-102.61%
5.10
+95.52%
2.61
Change In Working Capital
-1,486.37
-406.43%
-293.50
-172.44%
405.17
+128.11%
-1,441.41
Change In Receivables
-973.40
-21.11%
-803.71
-279.42%
447.94
+147.88%
-935.50
Changes In Account Receivables
-175.72
+42.67%
-306.50
-546.90%
68.58
+136.92%
-185.78
Change In Prepaid Assets
-991.76
-487.79%
-168.73
-13718.08%
1.24
+101.51%
-82.17
Change In Payables And Accrued Expense
172.17
-20.57%
216.75
+83.31%
118.24
+663.44%
-20.99
Change In Accrued Expense
159.90
-20.04%
199.99
+62.38%
123.16
+508.53%
-30.15
Change In Payable
12.26
-26.82%
16.76
+440.56%
-4.92
-153.71%
9.16
Change In Account Payable
12.26
-26.82%
16.76
+440.56%
-4.92
-153.71%
9.16
Change In Other Working Capital
46.03
-91.25%
526.35
+515.25%
-126.75
+60.17%
-318.27
Change In Other Current Liabilities
260.60
+506.15%
-64.16
-80.75%
-35.50
+57.98%
-84.48
Investing Cash Flow
-3,113.11
-3211.71%
100.05
+90.35%
52.56
+115.17%
-346.51
Cash Flow From Continuing Investing Activities
-3,113.11
-3211.71%
100.05
+90.35%
52.56
+115.17%
-346.51
Net PPE Purchase And Sale
-9.18
-112.92%
-4.31
-39090.91%
-0.01
+99.87%
-8.79
Purchase Of PPE
-9.19
-106.77%
-4.44
-403.85%
-0.88
+90.62%
-9.40
Sale Of PPE
0.01
-92.48%
0.13
-84.73%
0.87
+42.32%
0.61
Capital Expenditure
-9.19
-106.77%
-4.44
-403.85%
-0.88
+90.62%
-9.40
Net Investment Purchase And Sale
-2,266.98
-600.74%
452.72
+156.43%
-802.22
-15309.43%
-5.21
Purchase Of Investment
-12,850.84
+11.80%
-14,570.93
-545.59%
-2,257.00
-101.30%
-1,121.23
Sale Of Investment
10,583.86
-29.55%
15,023.65
+932.71%
1,454.79
+30.35%
1,116.03
Net Business Purchase And Sale
0.82
+116.23%
-5.05
0.00
0.00
Purchase Of Business
0.00
+100.00%
-5.05
0.00
0.00
Net Other Investing Changes
-837.77
-144.02%
-343.32
-140.16%
854.78
+357.07%
-332.51
Financing Cash Flow
-277.23
+51.30%
-569.28
-16.39%
-489.12
-214.43%
427.45
Cash Flow From Continuing Financing Activities
-277.23
+51.30%
-569.28
-16.39%
-489.12
-214.43%
427.45
Net Issuance Payments Of Debt
-291.78
+69.96%
-971.16
-100.12%
-485.29
-212.98%
429.54
Issuance Of Debt
—
0.00
0.00
-100.00%
578.50
Repayment Of Debt
-291.78
+69.96%
-971.16
-100.12%
-485.29
-225.78%
-148.96
Long Term Debt Issuance
—
0.00
0.00
-100.00%
578.50
Long Term Debt Payments
-291.78
+69.96%
-971.16
-100.12%
-485.29
-225.78%
-148.96
Net Long Term Debt Issuance
-291.78
+69.96%
-971.16
-100.12%
-485.29
-212.98%
429.54
Net Common Stock Issuance
-75.61
-57.14%
-48.12
-1154.03%
-3.84
-39.53%
-2.75
Common Stock Payments
-75.61
-57.14%
-48.12
-1154.03%
-3.84
-39.53%
-2.75
Cash Dividends Paid
-122.33
0.00
0.00
—
Repurchase Of Capital Stock
-75.61
-57.14%
-48.12
-1154.03%
-3.84
-39.53%
-2.75
Net Other Financing Charges
212.50
-52.78%
450.00
—
0.66
Changes In Cash
-1,966.26
-215.54%
1,701.78
+20.45%
1,412.87
+490.83%
239.13
Effect Of Exchange Rate Changes
9.21
+337.97%
-3.87
-255.71%
2.49
+365.60%
-0.94
Beginning Cash Position
6,058.60
+38.94%
4,360.69
+48.05%
2,945.34
+8.80%
2,707.15
End Cash Position
4,101.56
-32.30%
6,058.60
+38.94%
4,360.69
+48.05%
2,945.34
Free Cash Flow
1,414.89
-34.69%
2,166.57
+17.20%
1,848.55
+1142.40%
148.79
Interest Paid Supplemental Data
0.00
-100.00%
62.53
-48.62%
121.70
+42.74%
85.26
Income Tax Paid Supplemental Data
140.09
-15.19%
165.18
+109.42%
78.87
+24.57%
63.31
Earnings Losses From Equity Investments
—
—
—
0.00
Sale Of Business
0.82
0.00
0.00
0.00
SEC Filings

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