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Yirendai Ltd.

YRD Financial Credit Services

Yirendai Ltd.’s revenue for fiscal 2025 (year ended December 2025) was $817.8 million, up 2.82% from fiscal 2024.

Revenue
−43.1%
EPS
−229.3%
Free cash flow
−332.3%

Quarter to June 2026, against a year earlier

0.37 0.01 +2.78%
Market cap
$31.7M
P/E
0.0×
Fwd P/E
2.1×
Dividend yield
0.00%
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 80.86%

Capital & Financial Ratios $m

Size
Market Cap 31.65
Revenue ttm 636.83
Net income ttm 7.80
Free cash flow ttm (89.41)
Net debt Q (262.62)
Valuation
P/E 0.00
Forward P/E 2.12
Price / sales 0.05
Forward P/S Powerpack
Price / FCF 0.00
Price / book 0.03
Financial health
Current ratio Q 3.26
Debt / equity Q 0.00
Interest coverage Q —
Growth
Revenue growth Q −43.13% (below 0%: shrinking)
Operating income growth Q −203.34% (below 0%: shrinking)
EPS, this year —
EPS, next year A —
Revenue, next year A +20.29% (at or above 10%: strong)
EPS, past 5 yrs —
EPS, next 5 yrs A −1.49% (below 0%: weak)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/S against its own 10 years 0.04%
10-year low 10-year high
P/B against its own 10 years 0.04%
10-year low 10-year high

Dividends raised 2 years running

Yield
0.00%
Annual rate
0.00
Payout ratio
—
Growth, 2018–25
+6.67%/yr
  1. 0.28 ’18
  2. 0.00 ’19 −100
  3. 0.00 ’20
  4. 0.00 ’21
  5. 0.00 ’22
  6. 0.00 ’23
  7. 0.20 ’24
  8. 0.44 ’25 +120
paid change on the year, %

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 864 621 623 263
Receivables 298 667 842 663
Inventory — — — —
Other 138 138 89 20
1,360 1,750 1,807 1,272
2023 2024 2025 Q'26
Payables 69 74 18 84
ST’ Debt — — — —
Other — 162 327 255
281 459 403 391

Compound Annual Growth %

10y 5y 3y
Sales 14.61% 6.14% 17.98%
Cash Flow 5.27% 18.41% (27.87%)
Earnings (15.86%) 0.00% (64.43%)
Book Value 24.28% 18.02% 14.89%

Earnings Trends EPS, adjusted, against the consensus

Mar 2020 Estimate 0.23 Actual 0.03

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Dec 2018 0.51 1.32 Beat by 0.81
Jun 2019 0.48 0.24 Miss by 0.24
Dec 2019 0.36 0.62 Beat by 0.26
Mar 2020 0.23 0.03 Miss by 0.20

EPS $

Mar Jun Sep Dec Year
’26 (0.82) (0.75) — — —
’25 0.39 0.57 0.51 (1.44) 0.04
’24 0.76 0.65 0.58 0.52 2.48
’23 0.69 0.81 0.85 0.91 3.28
’22 — — 0.42 0.76 1.98
’21 0.33 0.37 0.58 0.61 1.90
’20 0.03 (0.35) 0.13 (1.02) (1.18)
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 133 131 — — —
’25 214 231 218 155 818
’24 191 206 211 188 795
’23 144 183 180 184 690
’22 — — 118 153 498
’21 168 174 191 169 703
’20 145 107 151 205 607
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 (95) (153) — — —
’25 66 58 — 101 101
’24 87 50 12 45 195
’23 57 96 88 65 306
’22 — — 194 65 268
’21 (22) (33) 50 30 25
’20 79 (13) 5 43 43
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 (95) (153) — — —
’25 66 58 — 101 42
’24 87 50 12 45 194
’23 57 96 88 65 305
’22 — — 194 65 268
’21 (22) (33) 50 30 23
’20 79 (13) 5 43 41
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

4.6
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 466 852 818 1,238 607 703 498 690 795 818 637 +6.4% — — — —
Gross margin, % 94.44 92.46 88.54 92.28 72.12 83.01 77.38 80.06 84.79 86.25 81.85 (8.2) pt
EBT 159 269 169 201 (119) 189 217 373 255 (5) (232) n/m
EBT margin, % 34.05 31.62 20.65 16.21 (19.52) 26.87 43.54 54.04 32.07 (0.66) (36.35) (34.7) pt
Net income 161 211 141 166 (106) 162 173 293 217 8 8 (28.6%)
Per share, $
Per share, $ Revenue 7.89 14.15 13.37 13.36 6.74 8.31 5.70 7.80 9.18 9.42 7.28 +2.0%
Earnings 2.72 3.50 2.30 1.79 (1.18) 1.92 1.98 3.32 2.50 0.04 (2.51) (36.6%)
Cash flow 5.15 6.93 (1.95) 0.43 0.48 0.29 3.07 3.46 2.25 1.16 (1.02) (15.3%)
Capex (0.07) (0.18) (0.12) (0.07) (0.02) (0.02) 0.00 (0.01) (0.01) (0.67) 0.00 +27.9%
Free cash flow 5.08 6.75 (2.08) 0.35 0.46 0.28 3.07 3.45 2.24 0.49 (1.02) (22.9%)
Book value 5.21 7.58 12.19 6.96 6.42 8.95 10.01 12.89 15.09 15.28 11.56 +12.7%
Shares, m 59 60 61 93 90 85 87 88 87 87 87 +4.4%
Valuation, ×
Valuation, × P/E 8.37 13.99 4.52 3.08 0.00 1.51 0.76 1.09 1.90 123.33 0.00 15.9
P/S 2.71 3.36 0.80 0.42 0.50 0.34 0.21 0.46 0.52 0.39 0.05 1.0
P/B 4.09 6.28 0.88 0.80 0.52 0.32 0.16 0.28 0.32 0.24 0.03 1.4
EV/Sales 2.03 2.70 0.42 0.07 (0.17) (0.08) (0.59) (0.79) (0.25) (0.37) — 0.3
EV/FCF 2.65 3.93 (2.40) 8.73 (1.17) (8.35) (1.17) (1.84) (1.06) (1.14) — (0.2)
Cash, $m
Cash, $m Operating cash flow 304 418 (119) 39 43 25 268 306 195 101 (89) (11.6%)
Capex (4) (11) (8) (7) (2) (1) 0 (1) (1) (58) (7) +33.5%
Free cash flow 300 407 (127) 32 41 23 268 305 194 42 (89) (19.5%)
Balance, $m
Balance, $m Working capital 295 637 689 877 538 892 842 1,079 1,291 1,404 882 +18.9%
Net debt (315) (563) (282) (427) (326) (301) (521) (864) (621) (623) (263) +7.9%
Shareholders’ equity 308 456 745 645 579 757 874 1,139 1,307 1,326 1,011 +17.6%
Returns, %
Returns, % ROA 31.31 22.86 12.50 13.39 (8.80) 14.46 14.13 21.82 13.44 0.42 (12.46) (30.9) pt
ROIC 0.00 0.00 24.70 46.76 (1.77) 27.70 37.73 83.13 20.55 (2.82) (19.34) (2.8) pt
ROE 70.06 55.14 23.41 23.89 (17.35) 24.27 21.24 29.11 17.72 0.59 (17.77) (69.5) pt
People
People Employees 911 1,037 956 31,388 13,728 3,797 1,064 754 949 981 — +0.8%
Revenue/emp, $m 0.51 0.82 0.86 0.04 0.04 0.19 0.47 0.91 0.84 0.83 — +5.6%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026 · fundamentals updated 2 Nov 2026

Yirendai Ltd. vs peers in Credit Services (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
XYF X Financial Sponsored ADR $107.3M 2.2× — −53.85% (below 0%: shrinking) −89.20% (below 0%: shrinking) +194.87% (above 0%: growing) 57.63% 19.62% Compare
LX LexinFintech Holdings Ltd. Sponsored ADR $83.7M 0.7× — (loss-making) −6.21% (below 0%: shrinking) −78.57% (below 0%: shrinking) +2,545.55% (above 0%: growing) 15.55% (3.30%) Compare
SUIG Sui Group Holdings Limited $71.0M — (loss-making) — (loss-making) −61.71% (below 0%: shrinking) n/m −651.07% (below 0%: shrinking) 100.00% (5,439.12%) Compare
ANTA Antalpha Platform Holding Company $39.5M 2.8× — (loss-making) −28.24% (below 0%: shrinking) n/m 0.00% 56.88% (205.39%) Compare
JFIN Jiayin Group Inc. Sponsored ADR $38.0M 1.9× — (loss-making) −58.75% (below 0%: shrinking) n/m +213.65% (above 0%: growing) 25.45% (33.47%) Compare
VRM Vroom, Inc. $34.9M — (loss-making) — (loss-making) −4.68% (below 0%: shrinking) n/m +8.45% (above 0%: growing) 100.00% 49.68% Compare
YRD Yirendai Ltd. $31.7M — (loss-making) 2.1× −43.13% (below 0%: shrinking) n/m −332.34% (below 0%: shrinking) 78.70% (39.50%)
JF J and Friends Holdings Limited - Sponsored ADR $15.7M — (loss-making) — −64.26% (below 0%: shrinking) n/m — 0.00% 0.00% Compare
AIJTY Jianpu Technology Inc. $12.8M — (loss-making) — (loss-making) +2.06% (above 0%: growing) n/m −75.61% (below 0%: shrinking) 27.49% (3.82%) Compare
Median of peers $38.7M 2.0× — −41.04% — +8.45% 42.18% (3.56%)

All 53 Credit Services stocks →

Yirendai Ltd. (YRD) Latest News

14 Oct

Impact 3 · · PR Newswire

13 Oct

Impact 4 · · privatebankerinternational.com
Impact 3 · · PR Newswire

12 Oct

Impact 4 · · PR Newswire

2 Oct

Impact 4 · · The Motley Fool transcript

30 Sep

Impact 4 · · MarketBeat transcript
Impact 3 · · InvestorsHub
Impact 3 · · Investing.com
Impact 3 · · PR Newswire

25 Sep

Impact 3 ·

18 Aug

Impact 4 ·

12 Aug

Impact 3 ·

4 Aug

Impact 3 ·

23 Jul

Impact 4 ·

8 Jul

Impact 3 ·

2 Jul

Impact 3 · · Stocktwits

25 Jun

Impact 4 · · GuruFocus.com

2 Jun

Impact 4 · · The Motley Fool transcript

26 May

Impact 4 · · PR Newswire

14 May

Impact 4 · · PR Newswire

21 Mar

Impact 4 · · Simply Wall St.

19 Mar

Impact 4 · · GuruFocus.com
Impact 4 · · MarketBeat
Impact 4 · · PR Newswire

9 Feb

Impact 3 · · Simply Wall St.

22 Jan

Impact 3 · · PR Newswire

5 Jan

Impact 3 · · Simply Wall St.

11 Dec

Impact 3 · · PR Newswire

2 Dec

Impact 3 · · Simply Wall St.

25 Nov

Impact 4 · · GuruFocus.com transcript
stockrow.com/YRD · Data as of Nov 2, 2026 · For information only; not investment advice. · © 2026 stockrow.com