Symbols / YRD Stock $1.21 -0.82% Yiren Digital Ltd.

Financial Services • Credit Services • China • NYQ
YRD (Stock) Chart
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Stock Fundamentals
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Index EQUITY
Sector Financial Services
Industry Credit Services
CEO Mr. Ning Tang
Exch · Country NYQ · China
Market Cap 105.86M
Enterprise Value -4.58B
Income 54.53M
Sales 5.72B
FCF (ttm) -865.03M
Book/sh 15.63
Cash/sh 27.71
Employees 981
Insider 10d —
IPO Dec 18, 2015
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 5.07%
P/E 13.44
Forward P/E 2.88
PEG —
P/S 0.02
P/B 0.08
P/C —
EV/EBITDA -2.12
EV/Sales -0.80
Quick Ratio 14.73
Current Ratio 23.98
Debt/Eq 0.53
LT Debt/Eq —
EPS (ttm) 0.09
EPS next Y 0.42
EPS Growth —
Revenue Growth -34.10%
EPS Gr Q/Q —
Rev Gr Q/Q —
Earnings (next) 2026-06-11
Earnings (prior) 2020-06-23
ROA 10.14%
ROE 0.58%
ROIC —
Gross Margin 86.25%
Oper. Margin 3.50%
Profit Margin 0.95%
Shs Outstand 87.49M
Shs Float 31.20M
Insider Own 0.00%
Instit Own 2.66%
Short Float 0.39%
Short Ratio 0.88
Short Interest 61.24K
52W High 7.68
vs 52W High -84.24%
52W Low 1.21
vs 52W Low 0.00%
Beta 1.06
Impl. Vol. 25.00%
Rel Volume 0.05
Avg Volume 130.17K
Volume 5.95K
Target (mean) —
Tgt Median —
Tgt Low —
Tgt High —
# Analysts —
Recom None
Prev Close $1.22
Price $1.21
Change -0.82%
About

Yiren Digital Ltd. provides financial services through an AI-powered Fintech platform in China. Its platform provides a suite of financial and lifestyle services. The company offers credit solutions, insurance brokerage, and others. 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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
—
Mean price target
2. Current target
$1.21
Latest analyst target
3. DCF / Fair value
$-177.97
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$1.21
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 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
5,719.22
-1.49%
5,805.90
+18.59%
4,895.63
+42.54%
3,434.62
Operating Revenue
5,717.34
-1.40%
5,798.56
+18.85%
4,878.94
+68.73%
2,891.50
Cost Of Revenue
786.39
-10.94%
882.96
-9.55%
976.17
+25.66%
776.84
Reconciled Cost Of Revenue
786.39
-10.94%
882.96
-9.55%
976.17
+25.66%
776.84
Gross Profit
4,932.83
+0.20%
4,922.94
+25.60%
3,919.46
+47.47%
2,657.78
Operating Expense
5,154.59
+57.35%
3,275.88
+147.30%
1,324.68
+11.70%
1,185.91
Research And Development
406.57
-1.29%
411.88
+176.88%
148.75
-2.09%
151.92
Selling General And Administration
1,482.03
+0.74%
1,471.10
+65.71%
887.74
+4.96%
845.77
Selling And Marketing Expense
1,159.93
-3.05%
1,196.43
+82.21%
656.60
+14.40%
573.97
General And Administrative Expense
322.09
+17.26%
274.67
+18.84%
231.13
-14.96%
271.79
Other Gand A
322.09
+17.26%
274.67
+18.84%
231.13
-14.96%
271.79
Other Operating Expenses
2,366.34
+172.22%
869.28
+3115.39%
27.04
+25.74%
21.50
Total Expenses
5,940.98
+42.85%
4,158.84
+80.75%
2,300.85
+17.23%
1,962.76
Operating Income
-221.76
-113.46%
1,647.06
-36.52%
2,594.78
+76.29%
1,471.86
EBITDA
-191.17
-111.41%
1,675.35
-36.06%
2,620.22
+71.85%
1,524.69
Normalized EBITDA
-267.96
-117.38%
1,541.48
-41.86%
2,651.53
+76.09%
1,505.80
Reconciled Depreciation
30.59
+8.15%
28.29
+11.19%
25.44
-51.84%
52.83
EBIT
-221.76
-113.46%
1,647.06
-36.52%
2,594.78
+76.29%
1,471.86
Total Unusual Items
76.80
-42.64%
133.87
+527.59%
-31.31
-265.66%
18.90
Total Unusual Items Excluding Goodwill
76.80
-42.64%
133.87
+527.59%
-31.31
-265.66%
18.90
Special Income Charges
—
—
—
0.00
Net Income
54.53
-96.55%
1,582.30
-23.94%
2,080.20
+74.09%
1,194.87
Pretax Income
-38.02
-102.04%
1,861.92
-29.62%
2,645.36
+76.90%
1,495.38
Net Non Operating Interest Income Expense
78.72
-0.52%
79.14
+27.87%
61.89
+335.29%
-26.30
Net Interest Income
78.72
-0.52%
79.14
+27.87%
61.89
+335.29%
-26.30
Interest Income Non Operating
78.72
-0.52%
79.14
+27.87%
61.89
—
Interest Income
78.72
-0.52%
79.14
+27.87%
61.89
—
Other Income Expense
105.02
-22.62%
135.72
+1300.11%
-11.31
-122.70%
49.82
Other Non Operating Income Expenses
28.22
+1427.22%
1.85
-90.76%
20.00
-35.32%
30.92
Gain On Sale Of Security
76.80
-42.64%
133.87
+527.59%
-31.31
-265.66%
18.90
Tax Provision
-97.11
-134.78%
279.18
-50.60%
565.16
+88.07%
300.51
Tax Rate For Calcs
0.00
+66.73%
0.00
-29.82%
0.00
+6.31%
0.00
Tax Effect Of Unusual Items
19.20
-4.36%
20.07
+400.10%
-6.69
-276.11%
3.80
Net Income Including Noncontrolling Interests
54.53
-96.55%
1,582.30
-23.94%
2,080.20
+74.09%
1,194.87
Net Income From Continuing Operation Net Minority Interest
54.53
-96.55%
1,582.30
-23.94%
2,080.20
+74.09%
1,194.87
Net Income From Continuing And Discontinued Operation
54.53
-96.55%
1,582.30
-23.94%
2,080.20
+74.09%
1,194.87
Net Income Continuous Operations
54.53
-96.55%
1,582.30
-23.94%
2,080.20
+74.09%
1,194.87
Normalized Income
-3.07
-100.21%
1,468.50
-30.23%
2,104.82
+78.41%
1,179.77
Net Income Common Stockholders
54.53
-96.55%
1,582.30
-23.94%
2,080.20
+74.09%
1,194.87
Diluted EPS
0.62
-96.55%
18.11
-22.20%
23.28
+70.88%
13.63
Basic EPS
0.63
-96.56%
18.27
-22.40%
23.54
+72.07%
13.68
Basic Average Shares
86.79
+0.18%
86.63
-1.98%
88.37
+1.18%
87.35
Diluted Average Shares
87.34
-0.02%
87.36
-2.23%
89.34
+1.88%
87.70
Diluted NI Availto Com Stockholders
54.53
-96.55%
1,582.30
-23.94%
2,080.20
+74.09%
1,194.87
Earnings From Equity Interest
—
—
—
18.90
Earnings From Equity Interest Net Of Tax
-4.56
-936.36%
-0.44
0.00
0.00
Gain On Sale Of PPE
—
—
—
0.00
Provision For Doubtful Accounts
899.66
+71.81%
523.62
+100.50%
261.15
+56.64%
166.72
Total Other Finance Cost
—
-105.48
-30.62%
-80.75
-407.01%
26.30
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
13,454.95
+3.64%
12,982.70
+26.33%
10,276.92
+20.39%
8,536.09
Current Assets
12,137.23
-2.20%
12,410.66
+23.24%
10,070.37
+21.26%
8,304.85
Cash Cash Equivalents And Short Term Investments
3,352.60
-14.45%
3,918.71
-37.85%
6,305.47
+20.23%
5,244.64
Cash And Cash Equivalents
3,348.13
-12.84%
3,841.28
-33.67%
5,791.33
+35.57%
4,271.90
Other Short Term Investments
4.47
-94.22%
77.43
-84.94%
514.14
-47.15%
972.74
Receivables
6,557.94
+10.38%
5,941.05
+88.46%
3,152.40
+12.44%
2,803.55
Accounts Receivable
826.14
+45.82%
566.54
+13.53%
499.03
+125.80%
221.00
Gross Accounts Receivable
975.02
+35.14%
721.47
+32.20%
545.74
+128.12%
239.24
Allowance For Doubtful Accounts Receivable
-148.88
+3.90%
-154.93
-231.64%
-46.72
-156.18%
-18.23
Other Receivables
2,397.12
+55.58%
1,540.79
+35.10%
1,140.45
-8.96%
1,252.73
Accrued Interest Receivable
2.34
-76.78%
10.06
-32.47%
14.90
+56.29%
9.54
Loans Receivable
358.26
-17.77%
435.70
-35.72%
677.84
+1154.11%
54.05
Prepaid Assets
1,703.98
-25.61%
2,290.63
+563.50%
345.23
+105.67%
167.86
Restricted Cash
522.71
+100.83%
260.27
-2.62%
267.27
+200.99%
88.80
Total Non Current Assets
1,317.73
+130.36%
572.03
+176.95%
206.54
-10.68%
231.25
Net PPE
75.66
-23.21%
98.53
+41.66%
69.55
-15.88%
82.67
Gross PPE
112.06
-19.87%
139.85
+18.25%
118.26
-5.83%
125.59
Accumulated Depreciation
-36.40
+11.90%
-41.32
+15.17%
-48.71
-13.51%
-42.91
Properties
0.00
0.00
0.00
0.00
Buildings And Improvements
0.00
-100.00%
38.46
+0.00%
38.46
+0.00%
38.46
Machinery Furniture Equipment
67.83
+19.75%
56.65
+8.11%
52.39
+6.85%
49.03
Other Properties
37.33
-5.96%
39.70
+69.77%
23.38
-31.04%
33.91
Leases
6.90
+36.82%
5.04
+25.48%
4.02
-3.81%
4.18
Goodwill And Other Intangible Assets
16.85
-31.57%
24.62
-34.80%
37.77
+13.53%
33.27
Goodwill
4.78
+0.00%
4.78
+0.00%
4.78
+0.00%
4.78
Other Intangible Assets
12.07
-39.18%
19.85
-39.84%
32.99
+15.80%
28.49
Investments And Advances
490.75
+32.99%
369.02
+3441.42%
10.42
+285.93%
2.70
Long Term Equity Investment
11.53
+24.78%
9.24
0.00
—
Non Current Accounts Receivable
—
1,008.92
+3.16%
978.05
+56.05%
626.74
Non Current Deferred Assets
329.38
+323.60%
77.76
+5.87%
73.45
-13.57%
84.97
Non Current Deferred Taxes Assets
325.09
+319.68%
77.46
+5.52%
73.41
-12.80%
84.19
Other Non Current Assets
405.08
+19098.29%
2.11
-86.26%
15.36
-44.40%
27.63
Total Liabilities Net Minority Interest
4,182.92
+21.59%
3,440.27
+56.99%
2,191.37
-12.53%
2,505.28
Current Liabilities
1,779.12
-16.69%
2,135.66
+10.96%
1,924.77
+28.00%
1,503.71
Payables And Accrued Expenses
1,778.89
-16.33%
2,126.18
+13.66%
1,870.73
+30.08%
1,438.17
Payables
1,607.07
-5.63%
1,702.96
+8.61%
1,567.92
+64.60%
952.57
Accounts Payable
79.63
+84.47%
43.17
+39.69%
30.90
+118.48%
14.14
Other Payable
1,294.79
+242.67%
377.85
-36.11%
591.42
+299.97%
147.86
Current Accrued Expenses
171.82
-59.40%
423.22
+39.77%
302.81
-37.64%
485.60
Total Tax Payable
188.47
-83.64%
1,152.31
+23.75%
931.19
+65.45%
562.84
Current Deferred Liabilities
0.23
-97.61%
9.48
-82.46%
54.04
-17.54%
65.54
Current Deferred Revenue
0.23
-97.61%
9.48
-82.46%
54.04
-17.54%
65.54
Total Non Current Liabilities Net Minority Interest
2,403.80
+84.25%
1,304.61
+389.36%
266.59
-73.38%
1,001.57
Long Term Debt And Capital Lease Obligation
48.85
+19.83%
40.77
+72.38%
23.65
-97.06%
803.13
Long Term Debt
9.09
—
—
767.90
Long Term Capital Lease Obligation
39.76
-2.47%
40.77
+72.38%
23.65
-32.87%
35.23
Long Term Provisions
989.70
+63.08%
606.89
+6794.86%
8.80
—
Non Current Deferred Liabilities
42.76
+1.88%
41.98
-65.61%
122.08
+53.09%
79.74
Non Current Deferred Taxes Liabilities
29.85
-28.01%
41.47
-66.03%
122.08
+53.09%
79.74
Other Non Current Liabilities
1,322.48
+115.04%
614.98
+448.75%
112.07
-5.59%
118.70
Stockholders Equity
9,272.04
-2.83%
9,542.43
+18.02%
8,085.55
+34.07%
6,030.81
Common Stock Equity
9,272.04
-2.83%
9,542.43
+18.02%
8,085.55
+34.07%
6,030.81
Capital Stock
0.13
+0.76%
0.13
+1.54%
0.13
+0.78%
0.13
Common Stock
0.13
+0.76%
0.13
+1.54%
0.13
+0.78%
0.13
Share Issued
186.40
+1.13%
184.32
+1.22%
182.09
+0.75%
180.74
Ordinary Shares Number
174.68
+1.20%
172.61
-1.20%
174.71
-2.17%
178.58
Treasury Shares Number
11.72
+0.09%
11.71
+58.66%
7.38
+241.49%
2.16
Additional Paid In Capital
5,239.55
+0.79%
5,198.46
+0.53%
5,171.23
+0.20%
5,160.78
Retained Earnings
4,205.56
-5.17%
4,435.04
+48.56%
2,985.37
+228.47%
908.87
Gains Losses Not Affecting Retained Earnings
-2.52
-103.18%
79.27
+234.90%
23.67
+204.82%
7.76
Treasury Stock
170.69
+0.13%
170.46
+79.72%
94.85
+102.96%
46.73
Other Equity Adjustments
-2.52
-103.18%
79.27
+234.90%
23.67
+204.82%
7.76
Total Equity Gross Minority Interest
9,272.04
-2.83%
9,542.43
+18.02%
8,085.55
+34.07%
6,030.81
Total Capitalization
9,281.13
-2.74%
9,542.43
+18.02%
8,085.55
+18.93%
6,798.71
Working Capital
10,358.10
+0.81%
10,275.00
+26.14%
8,145.60
+19.77%
6,801.14
Invested Capital
9,281.13
-2.74%
9,542.43
+18.02%
8,085.55
+18.93%
6,798.71
Total Debt
48.85
+19.83%
40.77
+72.38%
23.65
-97.06%
803.13
Capital Lease Obligations
39.76
-2.47%
40.77
+72.38%
23.65
-32.87%
35.23
Net Tangible Assets
9,255.19
-2.76%
9,517.81
+18.27%
8,047.78
+34.18%
5,997.55
Tangible Book Value
9,255.19
-2.76%
9,517.81
+18.27%
8,047.78
+34.18%
5,997.55
Available For Sale Securities
459.77
+30.18%
353.19
—
—
Duefrom Related Parties Current
2,974.08
-12.22%
3,387.95
+313.07%
820.18
-35.23%
1,266.23
Dueto Related Parties Current
44.18
-65.92%
129.63
+799.33%
14.41
-93.67%
227.72
Held To Maturity Securities
19.46
+195.43%
6.59
-36.79%
10.42
+285.93%
2.70
Investmentin Financial Assets
479.23
+33.20%
359.78
+3352.75%
10.42
+285.93%
2.70
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
703.62
-50.59%
1,424.08
-34.40%
2,171.01
+17.39%
1,849.43
Cash Flow From Continuing Operating Activities
703.62
-50.59%
1,424.08
-34.40%
2,171.01
+17.39%
1,849.43
Net Income From Continuing Operations
54.53
-96.55%
1,582.30
-23.94%
2,080.20
+74.09%
1,194.87
Depreciation Amortization Depletion
30.59
+8.15%
28.29
+11.19%
25.44
-51.84%
52.83
Depreciation
30.59
+8.15%
28.29
+11.19%
25.44
-51.84%
52.83
Depreciation And Amortization
30.59
+8.15%
28.29
+11.19%
25.44
-51.84%
52.83
Other Non Cash Items
—
-0.04
—
-18.90
Stock Based Compensation
30.22
+78.52%
16.93
+150.71%
6.75
-69.50%
22.14
Provisionand Write Offof Assets
3,266.00
+134.47%
1,392.90
+383.33%
288.19
+53.11%
188.22
Operating Gains Losses
-70.01
+36.31%
-109.92
-271.92%
63.94
+563.42%
-13.80
Gain Loss On Investment Securities
-70.00
+36.31%
-109.91
-271.55%
64.07
+439.00%
-18.90
Gain Loss On Sale Of PPE
-0.01
+0.00%
-0.01
+93.23%
-0.13
-102.61%
5.10
Change In Working Capital
-2,607.71
-75.44%
-1,486.37
-406.43%
-293.50
-172.44%
405.17
Change In Receivables
-857.19
+11.94%
-973.40
-21.11%
-803.71
-279.42%
447.94
Changes In Account Receivables
-394.84
-124.69%
-175.72
+42.67%
-306.50
-546.90%
68.58
Change In Prepaid Assets
-202.23
+79.61%
-991.76
-487.79%
-168.73
-13718.08%
1.24
Change In Payables And Accrued Expense
-111.81
-164.94%
172.17
-20.57%
216.75
+83.31%
118.24
Change In Accrued Expense
-152.13
-195.14%
159.90
-20.04%
199.99
+62.38%
123.16
Change In Payable
40.32
+228.75%
12.26
-26.82%
16.76
+440.56%
-4.92
Change In Account Payable
40.32
+228.75%
12.26
-26.82%
16.76
+440.56%
-4.92
Change In Other Working Capital
-157.84
-442.87%
46.03
-91.25%
526.35
+515.25%
-126.75
Change In Other Current Liabilities
-1,278.64
-590.66%
260.60
+506.15%
-64.16
-80.75%
-35.50
Investing Cash Flow
-1,576.17
+49.37%
-3,113.11
-3211.71%
100.05
+90.35%
52.56
Cash Flow From Continuing Investing Activities
-1,576.17
+49.37%
-3,113.11
-3211.71%
100.05
+90.35%
52.56
Net PPE Purchase And Sale
-25.73
-180.37%
-9.18
-112.92%
-4.31
-39090.91%
-0.01
Purchase Of PPE
-25.74
-180.16%
-9.19
-106.77%
-4.44
-403.85%
-0.88
Sale Of PPE
0.01
-10.00%
0.01
-92.48%
0.13
-84.73%
0.87
Capital Expenditure
-25.74
-180.16%
-9.19
-106.77%
-4.44
-403.85%
-0.88
Net Investment Purchase And Sale
-536.45
+76.34%
-2,266.98
-600.74%
452.72
+156.43%
-802.22
Purchase Of Investment
-820.67
+93.61%
-12,850.84
+11.80%
-14,570.93
-545.59%
-2,257.00
Sale Of Investment
284.23
-97.31%
10,583.86
-29.55%
15,023.65
+932.71%
1,454.79
Net Business Purchase And Sale
6.41
+681.46%
0.82
+116.23%
-5.05
0.00
Purchase Of Business
-0.23
0.00
+100.00%
-5.05
0.00
Net Other Investing Changes
-1,020.39
-21.80%
-837.77
-144.02%
-343.32
-140.16%
854.78
Financing Cash Flow
662.60
+339.01%
-277.23
+51.30%
-569.28
-16.39%
-489.12
Cash Flow From Continuing Financing Activities
662.60
+339.01%
-277.23
+51.30%
-569.28
-16.39%
-489.12
Net Issuance Payments Of Debt
-348.79
-19.54%
-291.78
+69.96%
-971.16
-100.12%
-485.29
Issuance Of Debt
9.34
0.00
0.00
0.00
Repayment Of Debt
-358.13
-22.74%
-291.78
+69.96%
-971.16
-100.12%
-485.29
Long Term Debt Issuance
9.34
0.00
0.00
0.00
Long Term Debt Payments
-358.13
-22.74%
-291.78
+69.96%
-971.16
-100.12%
-485.29
Net Long Term Debt Issuance
-348.79
-19.54%
-291.78
+69.96%
-971.16
-100.12%
-485.29
Net Common Stock Issuance
-0.22
+99.71%
-75.61
-57.14%
-48.12
-1154.03%
-3.84
Common Stock Payments
-0.22
+99.71%
-75.61
-57.14%
-48.12
-1154.03%
-3.84
Cash Dividends Paid
-273.13
-123.27%
-122.33
0.00
0.00
Repurchase Of Capital Stock
-0.22
+99.71%
-75.61
-57.14%
-48.12
-1154.03%
-3.84
Net Other Financing Charges
1,284.75
+504.59%
212.50
-52.78%
450.00
—
Changes In Cash
-209.94
+89.32%
-1,966.26
-215.54%
1,701.78
+20.45%
1,412.87
Effect Of Exchange Rate Changes
-20.78
-325.60%
9.21
+337.97%
-3.87
-255.71%
2.49
Beginning Cash Position
4,101.56
-32.30%
6,058.60
+38.94%
4,360.69
+48.05%
2,945.34
End Cash Position
3,870.83
-5.63%
4,101.56
-32.30%
6,058.60
+38.94%
4,360.69
Free Cash Flow
677.88
-52.09%
1,414.89
-34.69%
2,166.57
+17.20%
1,848.55
Interest Paid Supplemental Data
0.19
0.00
-100.00%
62.53
-48.62%
121.70
Income Tax Paid Supplemental Data
264.38
+88.73%
140.09
-15.19%
165.18
+109.42%
78.87
Earnings Losses From Equity Investments
—
—
—
—
Sale Of Business
6.63
+708.90%
0.82
0.00
0.00
SEC Filings

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