Yiren Digital Ltd. (YRD)

NYQ – Real Time Price. Currency in USD

1.98

+0.02 (1.02%)

At close: May 12, 2026, 4:00 PM EDT

Stock details

Previous close: 2CNY
Day's range: 1.95 - 2.03CNY
52-week range: 1.58 - 7.68CNY
Volume: 59 784
Average volume: 58 457
Beta: 2.51
EPS (TTM): 0.05
PE ratio (TTM): 52.63
Forward P/E: N/A
Market cap: 174 680 826
Shares outstanding: 87 340 413
Dividend yield: CNY20.00 (20%)
Next earnings date: 2026-06-04
Sector: Financials
Industry: Credit Services

About the company

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 vario... read more

CEO: Ning Tang
Country: China
IPO Date: 2015-12-18
Employees: 949
Fiscal Year End: January - December
Website: https://www.yiren.com

Revenue Breakdown

Credit Solution / 88.12%

Insurance Brokerage / 5.20%

Other / 6.67%

News

No Data

There are no news for this stock.

Chart: YRD

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Overall Score

4 / 1040%

Financial Strength

8.2

Profitability

2.8

Effectiveness

6.3

Growth

3.5

Forecast

Valuation

6.5

Dividend

Economic Moat

Octagon View

Strength & Weakness

Company's cash reserves $553.9M significantly exceed its total debt $7.0M, ensuring strong financial flexibility

Total current assets $0.0 are just enough to cover Total current liabilities $260.8M, indicating tight liquidity

Debt-to-equity ratio (0.0) is well below the industry average (3.4), showcasing prudent financial management

Interest expense exists but EBIT data is unavailable, indicating potential profitability concerns

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	5.64	10.91	10
Quick ratio	5.64	10.10	10
Debt to Equity	0.01	3.44	10
Debt to Assets	0.00	1.99	10
Interest coverage	N/A	71.90	1.0
Weighted average score			8.2

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	510M	690M	807M	796M	795M
Gross Profit	387M	549M	680M	683M	684M
Operating Income	221M	359M	244M	309M	131M
Net Income	177M	294M	220M	8M	3M
EBITDA	229M	362M	248M	313M	133M

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	73.33	64.01	10
Operating margin %	-4.66	0.03	1.0
Net margin %	-92.02	-121.55	1.0
EBITDA margin %	-4.16	-20.51	1.0
Cash flow margin %	N/A	-144.24	1.0
Weighted average score			2.8

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	7.49	-153.95	7.0
ROE	10.28	41.47	7.0
ROIC	10.25	-22.19	7.0
ROCE	1.98	-1.81	4.0
Weighted average score			6.3

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	N/A	N/A	1.0
Next quarter	N/A	N/A	1.0
Current year	N/A	N/A	1.0
Next year	N/A	N/A	1.0
Weighted average score			1.0

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	-37.91	-380.34	N/A	N/A	1.0
Y/Y	-33.06	-369.85	N/A	N/A	1.0
3y average	16.97	-18.72	N/A	-25.43	3.0
5y average	8.85	42.84	145.16	194.59	9.0
Weighted average score					3.5

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	21.82	-29.69	5.0
PEG (5yr expected)	N/A	0.88	1.0
P/S	0.21	102.37	10
P/B	0.13	-0.46	10
Weighted average score			6.5

DCF Model

DCF Model Period5 years

Discount rate10.69%

Perpetual growth rate3%

Revenue 5 year CAGR8.86%

FCF 5 year CAGR4

Fair value49.1CNY

Stock price2CNY

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	7.69	7.69	4.0
Payout ratio	0.00	N/A	1.0
5-year dividend growth rate	N/A	N/A	1.0
Years of dividend increase	1.00	1.00	2.0
Weighted average score			3.0

Fair Value

$49.1

UndervaluedStock priceOvervalued

$2

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

Ning Tang

Country

China

IPO Date

2015-12-18

Employees

949

Fiscal Year End

January - December

Website

https://www.yiren.com

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

5.64

10.91

Quick ratio

5.64

10.10

Debt to Equity

0.01

3.44

Debt to Assets

0.00

1.99

Interest coverage

N/A

71.90

1.0

Weighted average score

8.2

METRIC

2022

2023

2024

2025

TTM

Total Revenue

510M

690M

807M

796M

795M

Gross Profit

387M

549M

680M

683M

684M

Operating Income

221M

359M

244M

309M

131M

Net Income

177M

294M

220M

EBITDA

229M

362M

248M

313M

133M

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

73.33

64.01

Operating margin %

-4.66

0.03

1.0

Net margin %

-92.02

-121.55

1.0

EBITDA margin %

-4.16

-20.51

1.0

Cash flow margin %

N/A

-144.24

1.0

Weighted average score

2.8

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

7.49

-153.95

7.0

ROE

10.28

41.47

7.0

ROIC

10.25

-22.19

7.0

ROCE

1.98

-1.81

4.0

Weighted average score

6.3

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

N/A

1.0

Next quarter

N/A

1.0

Current year

N/A

1.0

Next year

N/A

1.0

Weighted average score

1.0

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

-37.91

-380.34

N/A

1.0

Y/Y

-33.06

-369.85

N/A

1.0

3y average

16.97

-18.72

N/A

-25.43

3.0

5y average

8.85

42.84

145.16

194.59

9.0

Weighted average score

3.5

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

21.82

-29.69

5.0

PEG (5yr expected)

N/A

0.88

1.0

P/S

0.21

102.37

P/B

0.13

-0.46

Weighted average score

6.5

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

7.69

4.0

Payout ratio

0.00

N/A

1.0

5-year dividend growth rate

N/A

1.0

Years of dividend increase

1.00

2.0

Weighted average score

3.0

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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Yiren Digital Ltd. (YRD)

Stock details

About the company

Revenue Breakdown

News

Chart: YRD

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$49.1

$2

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: YRD

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$49.1

$2

Economic Moat