Yirendai Ltd. YRD

0.99 0.01 1.02% as of 25 Sep
Market cap
$86.0M
P/E
0.0×
Growth Flags show if company had growth for consecutive years

Insider Decisions

in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 80.86%

Capital & Financial Ratios

Market Cap 85.97
Revenue 736.29
Net Income 7.80
Free Cash Flow 129.80
Net Debt (411.21)
Current Ratio 3.07
Debt/Equity 0.00
P/E ratio 0.00
P/S ratio 0.12
P/B ratio 0.07
Past 5Y EPS Growth 6.86%
This Y EPS Growth —
Next Y EPS Growth —
Next 5Y EPS Growth (1.49%)
in millions of $

Dividends

Payout Ratio 0.00
Annual Dividend Rate —
Annual Dividend Yield —
total individual payouts
2025 0.44
0.22
0.22
2024 0.20
0.20
2023 Powerpack
2022 Powerpack
2021 Powerpack
2020 Powerpack
2019 Powerpack
2018 0.28
0.28
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 864 621 623 411
Receivables 298 667 842 914
Inventory — — — —
Other 138 138 89 45
1,360 1,750 1,807 1,624
2023 2024 2025 Q'26
Payables 69 74 18 152
ST’ Debt — — — —
Other — 162 327 319
281 459 403 530
in millions of $

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%

Revenue

Mar Jun Sep Dec Year
’26 133 — — — —
’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
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Mar Jun Sep Dec Year
’26 (95) — — — —
’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
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 (95) — — — —
’25 66 58 — 42 42
’24 87 50 12 44 194
’23 57 96 88 65 305
’22 — — 194 65 268
’21 (22) (33) 50 28 23
’20 79 (13) 5 41 41
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 (0.82) — — — —
’25 0.39 0.57 0.51 (1.44) 0.07
’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

Target Price Range

Analyst price targets

Recommendation Rating

4.6
1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
3.35 19.85 9.61 4.40 2.70 2.43 0.67 1.33 3.02 3.64

Analyst estimates 2026–2028

Powerpack
Low Price
42.34 53.50 47.93 17.44 7.38 6.80 3.15 3.85 9.20 8.74
High Price
911 1,037 956 31,388 13,728 3,797 1,064 754 949 981
Employees
1 1 1 0 0 0 0 1 1 1
Revenue/Emp
466 852 818 1,238 607 703 498 690 795 818
Revenue
94.44% 92.46% 88.54% 92.28% 72.12% 83.01% 77.38% 80.06% 84.79% 86.25%
Gross Margin
159 269 169 201 (119) 189 217 373 255 (5)
EBT
34.05% 31.62% 20.65% 16.21% (19.52%) 26.87% 43.54% 54.04% 32.07% (0.66%)
EBT Margin
161 211 141 166 (106) 162 173 293 217 8
Net Income
2 4 6 57 50 22 8 4 4 4
Depreciation
7.89 14.15 13.37 13.36 6.74 8.31 5.70 7.80 9.18 9.42
Revenue/Sh
2.72 3.50 2.30 1.79 (1.18) 1.92 1.98 3.32 2.50 0.07
Earnings/Sh
5.15 6.93 (1.95) 0.43 0.48 0.29 3.07 3.46 2.25 1.16
Cash Flow/Sh
(0.07) (0.18) (0.12) (0.07) (0.02) (0.02) 0.00 (0.01) (0.01) (0.67)
Capex/Sh
5.08 6.75 (2.08) 0.35 0.46 0.28 3.07 3.45 2.24 0.49
Free CF/Sh
5.21 7.58 12.19 6.96 6.42 8.95 10.01 12.89 15.09 15.28
Book Value/Sh
59 60 61 93 90 85 87 88 87 87
Shares
8.37 13.99 4.52 3.08 0.00 1.51 0.76 1.09 1.90 123.33
PE Ratio
2.71 3.36 0.80 0.42 0.50 0.34 0.21 0.46 0.52 0.39
PS Ratio
4.09 6.28 0.88 0.80 0.52 0.32 0.16 0.28 0.32 0.24
PB Ratio
2.03 2.70 0.42 0.07 (0.17) (0.08) (0.59) (0.79) (0.25) (0.37)
EV/Sales
2.65 3.93 (2.40) 8.73 (1.17) (8.35) (1.17) (1.84) (1.06) (1.14)
EV/FCF
304 418 (119) 39 43 25 268 306 195 101
Op' Cash Flow
(4) (11) (8) (7) (2) (1) 0 (1) (1) (58)
Capex
300 407 (127) 32 41 23 268 305 194 42
FCF
295 637 689 877 538 892 842 1,079 1,291 1,404
Working Cap'
— — 28 43 89 161 111 — — —
Total Debt
(315) (563) (282) (427) (326) (301) (521) (864) (621) (623)
Net Debt
308 456 745 645 579 757 874 1,139 1,307 1,326
Sh' Equity
31.31% 22.86% 12.50% 13.39% (8.80%) 14.46% 14.13% 21.82% 13.44% 0.42%
ROA
0.00% 0.00% 24.70% 46.76% (1.77%) 27.70% 37.73% 83.13% 20.55% (2.82%)
ROIC
70.06% 55.14% 23.41% 23.89% (17.35%) 24.27% 21.24% 29.11% 17.72% 0.59%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Mar 2026

Yirendai Ltd. (YRD) key facts

  • Yirendai Ltd. (YRD) is a Credit Services company in the Financial sector, traded in the US as an ADR.
  • Yirendai Ltd.’s revenue for fiscal 2025 (year ended December 2025) was $817.8 million, up 2.82% from fiscal 2024.
  • As of September 25, 2026, YRD traded at $0.99, a market capitalization of $86.0 million.
  • Return on equity was 0.59% and debt-to-equity 0.00.

Source: company filings (standardised) and stockrow calculations.

Yirendai Ltd. (YRD) Latest News

News by impact score

Fine-tune

25 Sep

3

Yiren Digital Ltd. plans to release its unaudited second-quarter 2026 results before the U.S. market opens on Sept. 30, 2026. The company will host an earnings conference call at 8:00 a.m. ET on Sept. 30, with dial-in details provided after online registration at https://dpregister.com/sreg/10211298/104ad33bf36 and a live/archived webcast at https://ir.yiren.com. The release highlights the company's focus on fintech and artificial intelligence across industries in China and globally, spotlighting its in-house Zhiyu large language model and the MagiCube Agent platform as growth engines to propel Yiren into an AI-native, multi-industry operating platform beyond traditional financial services. More information is available at https://ir.yiren.com. Q2 results release and AI initiatives could influence investor sentiment and performance.

18 Aug

4

Yiren Digital upgrades enterprise AI across core business functions. AI upgrades across core functions represent major strategic technology adoption likely to boost efficiency and competitive positioning.

12 Aug

3

Yiren Digital's AI-Enabled Fraud Detection Framework prevented RMB165 million in potential fraud losses in 2025. AI fraud detection tool reduces losses and highlights operational strength in core business.

4 Aug

3

Yiren Digital's AI agents produce measurable gains across customer operations at Yirendai Ltd. AI agents improve customer operations efficiency at Yirendai Ltd.

23 Jul

4

Yiren Digital deploys AI agents to accelerate operating efficiency at Yirendai Ltd. (YRD). AI agent deployment represents a major strategic move likely to boost efficiency and alter Yirendai's trajectory.

8 Jul

3

Yiren Digital advances AI entertainment strategy through warrant agreement with an AI-native entertainment and emotional wellness platform. Warrant agreement advances Yirendai AI entertainment efforts with moderate effects on operations and positioning.

2 Jul

3

YRD stock surges on positive developments driving investor interest and market gains for Yirendai Ltd. Stock surge signals moderately noticeable short-term market reaction without evidence of transformative long-term shifts.

25 Jun

4

Yiren Digital Ltd reported Q1 2026 earnings, highlighting AI integration as the main driver of operational efficiency gains and performance improvements. AI integration represents a major strategic initiative expected to significantly enhance efficiency and reshape competitive positioning.

2 Jun

4 transcript

Yiren Digital (YRD) released its Q4 2025 earnings transcript detailing quarterly financial results and management commentary. Q4 earnings transcript provides material financial data and outlook that can shift investor sentiment and stock trajectory.

26 May

4

Yiren Digital expands strategic investments in AI application-layer technologies. AI investment expansion signals potential technological advancements and competitive edge for Yirendai.

14 May

4

Yiren Digital advances transition to AI-native, multi-industry operating model through rollout of enterprise AI architecture. Enterprise AI architecture rollout drives major strategic shift to AI-native operations across multiple industries, boosting long-term growth and investor sentiment.

21 Mar

4

Yiren Digital Ltd. (YRD) shares plunged 44.2% after reporting weak Q4 results, including slowed loan facilitation growth, higher funding costs, and management suspending the dividend to prioritize growth investments amid competitive pressures and regulatory challenges. Weak Q4 results and dividend suspension triggered a 44.2% stock drop, signaling significant financial strain and negative shift in investor sentiment.

19 Mar

4

Yiren Digital Ltd. (YRD) Q4 2025 earnings call highlights navigating operational challenges through AI-driven strategies amid competitive pressures. AI-driven strategies to navigate challenges signal major shifts in operations and competitiveness.

4

Yirendai Ltd. (YRD) released highlights from its Q4 earnings call, detailing financial performance, loan facilitation volume, profitability metrics, and future outlook. Q4 earnings call highlights disclose critical financial results and guidance that significantly influence YRD's market performance and investor sentiment.

4

Yiren Digital Ltd. (YRD) reported fourth quarter and fiscal year 2025 financial results. Quarterly and annual financial results disclosures typically drive significant shifts in investor sentiment and stock price trajectory.

9 Feb

3

Yirendai Ltd. (YRD) is highlighted as a top dividend stock to consider in February 2026, reflecting its strong financial performance and commitment to returning value to shareholders. The company has consistently paid dividends, making it an attractive option for income-focused investors. Analysts suggest that YRD's robust business model and market position contribute to its reliability as a dividend stock, positioning it favorably in the current economic climate. Yirendai's status as a top dividend stock indicates a moderately noticeable influence on its financial performance and market sentiment.

22 Jan

3

Yiren Digital has been awarded the 'Annual Digital Intelligence Innovative Application Award' by Caijing New Media, recognizing its advancements in digital intelligence applications. This accolade highlights the company's commitment to innovation and its impact on the digital landscape, further establishing its reputation in the industry. Recognition from a reputable media outlet can enhance Yirendai's market position and investor sentiment, but the overall impact on its trajectory is expected to be limited.

5 Jan

3

Yirendai Ltd. (YRD) is highlighted as one of the top three dividend stocks to consider, showcasing its potential for providing consistent returns to investors. The company has demonstrated a commitment to returning value to shareholders through dividends, making it an attractive option for income-focused investors. YRD's financial stability and growth prospects further enhance its appeal in the current market environment, where dividend-paying stocks are sought after for their reliability. Yirendai's focus on dividends and financial stability may moderately influence investor sentiment and financial performance.

11 Dec

3

Yiren Digital has been awarded the 'Technology Innovation Leadership Award for Listed Companies' at the 23rd China's Financial Annual Champion Awards, recognizing its advancements and contributions in technology innovation within the financial sector. The award highlights Yiren Digital's innovation, which may enhance its competitive positioning and market sentiment.

2 Dec

3

Yirendai Ltd. (YRD) is highlighted among three reliable dividend stocks, offering yields up to 9.9%. The article emphasizes the importance of dividend stocks for income-focused investors, particularly in uncertain market conditions. YRD's strong dividend yield positions it as an attractive option for those seeking stable returns. Investors are encouraged to consider such stocks for portfolio diversification and income generation. Yirendai's dividend yield may attract income-focused investors, influencing market sentiment but not fundamentally altering its trajectory.

25 Nov

4 transcript

Yiren Digital Ltd (YRD) reported robust loan origination and internet service growth in its Q3 2025 earnings call. The company highlighted significant increases in both revenue and customer engagement, driven by strategic initiatives and market demand. Management expressed optimism about future performance, citing ongoing investments in technology and customer service enhancements. Overall, the results indicate a strong operational performance and a positive outlook for the upcoming quarters. Strong loan origination and revenue growth indicate significant positive momentum for future performance.

3 transcript

Yiren Digital (YRD) reported its Q3 2025 earnings, highlighting key financial metrics and operational updates. The company experienced fluctuations in revenue and expenses, impacting overall profitability. Management provided insights into future strategies and market conditions, emphasizing growth areas and potential challenges. The earnings call included discussions on product development and competitive positioning within the industry. Moderate fluctuations in revenue and expenses could influence financial performance and competitive positioning.

7 Nov

3

Yiren Digital has achieved a ranking in the top 10% of the Global S&P ESG Rating, highlighting its commitment to environmental, social, and governance standards. This recognition reflects the company's efforts in sustainable practices and responsible corporate governance, potentially enhancing its reputation and appeal to socially conscious investors. Achieving a high ESG rating may positively influence investor sentiment and attract new investment, but the overall impact on financial performance is expected to be limited.

4 Nov

4

Yirendai Ltd.'s CFO emphasized the company's ongoing transformation through artificial intelligence and its next-generation fintech strategy, highlighting efforts to enhance operational efficiency and customer experience. The focus on AI integration aims to position Yirendai as a leader in the evolving financial technology landscape, with plans for innovative product offerings and improved service delivery. The strategic emphasis on AI and fintech innovation is likely to significantly impact Yirendai's future performance and market positioning.

7 Oct

4

Yiren Digital has launched its next-generation Magicube Agent Platform, aiming to capture a share of the $30 billion generative AI market. This platform is designed to enhance AI-driven solutions and improve user engagement, positioning Yiren Digital as a key player in the rapidly evolving AI landscape. The launch reflects the company's commitment to innovation and its strategic focus on leveraging generative AI technologies to drive growth. The launch of the Magicube Agent Platform is a significant strategic move that could enhance Yiren Digital's competitive position in the growing generative AI market.

2 Oct

3

Yirendai Ltd. (YRD) is highlighted as a potential dividend stock for October 2025, indicating a favorable outlook for investors seeking income-generating investments. The company is noted for its financial stability and consistent dividend payments, making it an attractive option in the current market environment. Analysts suggest that YRD's performance may benefit from ongoing trends in the financial sector, positioning it well for future growth. Yirendai Ltd.'s consistent dividend payments and financial stability may moderately influence its market performance.

29 Sep

4

Yirendai Ltd. is experiencing growth in its Internet insurance business, which is contributing to a strategic second growth curve for the company. This momentum is expected to enhance its market position and financial performance, indicating a positive trajectory for future operations. The expansion into Internet insurance represents a significant strategic move that could alter the company's trajectory and investor sentiment.

3 Sep

3

Yirendai Ltd. is highlighted among three compelling dividend stocks, showcasing its potential for steady income generation. The article emphasizes the company's financial stability and commitment to returning value to shareholders through dividends. Investors are encouraged to consider Yirendai as part of a diversified portfolio, particularly in the current market environment where reliable income sources are sought after. Yirendai's dividend offerings may positively influence investor sentiment and financial performance, but the overall impact is expected to be limited.

27 Aug

3

Yiren Digital reported its second quarter 2025 earnings, revealing an earnings per share (EPS) of CN¥4.14, a decline from CN¥4.74 in the same quarter of 2024. The results indicate a decrease in profitability year-over-year, which may raise concerns among investors regarding the company's financial health and future performance. The decline in EPS suggests a moderately noticeable influence on financial performance and investor sentiment.

24 Aug

3

Yiren Digital (NYSE:YRD) has announced an increase in its dividend to CN¥0.22, reflecting the company's commitment to returning value to shareholders. This decision comes as part of Yiren Digital's ongoing efforts to enhance its financial performance and shareholder returns amidst a competitive market landscape. Increasing the dividend indicates a positive financial outlook, but the overall impact on the company's trajectory is expected to be limited.

stockrow.com/YRD · Data as of Mar 31, 2026 · For information only; not investment advice. · © 2026 stockrow.com