Saturday 17 October 2026 Export YRD’s income statement to Excel — free account

Yirendai Ltd.

Yirendai Ltd.’s revenue for fiscal 2025 (year ended December 2025) was $817.8 million, up 2.82% from fiscal 2024. In the quarter to June 2026, revenue fell 43.1%, EPS fell 230.6% and free cash flow fell 332.3%, each against the same quarter a year earlier. Revenue growth for three consecutive years.

0.75 0.03 −3.85%

Follow YRD

Alert me

Market cap: $67.7M
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 Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	—	—	—	—	—	—	—	—	—	—	—	—

Insider Ownership 80.86%

Capital & Financial Ratios $m

Market Cap 67.69

Revenue 636.83

Net Income 7.80

Free Cash Flow (89.41)

Net Debt (262.62)

Current Ratio 3.26

Debt/Equity 0.00

P/E ratio 0.00

Fwd P/E 2.12

P/S ratio 0.10

P/B ratio 0.06

Past 5Y EPS Growth —

This Y EPS Growth —

Next Y EPS Growth —

Next Y revenue growth 20.29%

Next 5Y EPS Growth (1.49%)

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/S against its own 10 years 0.18%

10-year low 10-year high

P/B against its own 10 years 0.15%

10-year low 10-year high

Dividends

Payout Ratio —

Annual Dividend Rate 0.00

Annual Dividend Yield 0.00%

	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

special payouts not included in total or ratios

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%

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.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	(0.82)	(0.76)	—	—	—
’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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	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
	High	42.34	53.50	47.93	17.44	7.38	6.80	3.15	3.85	9.20	8.74
People
People	Employees	911	1,037	956	31,388	13,728	3,797	1,064	754	949	981
	Revenue/emp, $m	0.51	0.82	0.86	0.04	0.04	0.19	0.47	0.91	0.84	0.83
Income, $m
Income, $m	Revenue	466	852	818	1,238	607	703	498	690	795	818
	Gross margin, %	94.44	92.46	88.54	92.28	72.12	83.01	77.38	80.06	84.79	86.25
	EBT	159	269	169	201	(119)	189	217	373	255	(5)
	EBT margin, %	34.05	31.62	20.65	16.21	(19.52)	26.87	43.54	54.04	32.07	(0.66)
	Net income	161	211	141	166	(106)	162	173	293	217	8
	Depreciation	2	4	6	57	50	22	8	4	4	4
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
	Earnings	2.72	3.50	2.30	1.79	(1.18)	1.92	1.98	3.32	2.50	0.07
	Cash flow	5.15	6.93	(1.95)	0.43	0.48	0.29	3.07	3.46	2.25	1.16
	Capex	(0.07)	(0.18)	(0.12)	(0.07)	(0.02)	(0.02)	0.00	(0.01)	(0.01)	(0.67)
	Free cash flow	5.08	6.75	(2.08)	0.35	0.46	0.28	3.07	3.45	2.24	0.49
	Book value	5.21	7.58	12.19	6.96	6.42	8.95	10.01	12.89	15.09	15.28
	Shares, m	59	60	61	93	90	85	87	88	87	87
Valuation, ×
Valuation, ×	P/E	8.37	13.99	4.52	3.08	0.00	1.51	0.76	1.09	1.90	123.33
	P/S	2.71	3.36	0.80	0.42	0.50	0.34	0.21	0.46	0.52	0.39
	P/B	4.09	6.28	0.88	0.80	0.52	0.32	0.16	0.28	0.32	0.24
	EV/Sales	2.03	2.70	0.42	0.07	(0.17)	(0.08)	(0.59)	(0.79)	(0.25)	(0.37)
	EV/FCF	2.65	3.93	(2.40)	8.73	(1.17)	(8.35)	(1.17)	(1.84)	(1.06)	(1.14)
Cash, $m
Cash, $m	Operating cash flow	304	418	(119)	39	43	25	268	306	195	101
	Capex	(4)	(11)	(8)	(7)	(2)	(1)	0	(1)	(1)	(58)
	Free cash flow	300	407	(127)	32	41	23	268	305	194	42
Balance, $m
Balance, $m	Working capital	295	637	689	877	538	892	842	1,079	1,291	1,404
	Total debt	—	—	28	43	89	161	111	—	—	—
	Net debt	(315)	(563)	(282)	(427)	(326)	(301)	(521)	(864)	(621)	(623)
	Shareholders’ equity	308	456	745	645	579	757	874	1,139	1,307	1,326
Returns, %
Returns, %	ROA	31.31	22.86	12.50	13.39	(8.80)	14.46	14.13	21.82	13.44	0.42
	ROIC	0.00	0.00	24.70	46.76	(1.77)	27.70	37.73	83.13	20.55	(2.82)
	ROE	70.06	55.14	23.41	23.89	(17.35)	24.27	21.24	29.11	17.72	0.59

Negative figures in brackets.

All 10 years →

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

Charts ten years each

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	$116.8M	2.3×	—	−53.85% (below 0%: shrinking)	−89.20% (below 0%: shrinking)	+194.87% (above 0%: growing)	57.63%	19.62%	Compare
SUIG Sui Group Holdings Limited	$104.5M	— (loss-making)	— (loss-making)	−61.71% (below 0%: shrinking)	n/m	−651.07% (below 0%: shrinking)	100.00%	(5,439.12%)	Compare
LX LexinFintech Holdings Ltd. Sponsored ADR	$90.7M	0.7×	3.1×	−6.21% (below 0%: shrinking)	−78.57% (below 0%: shrinking)	+2,545.55% (above 0%: growing)	15.55%	(3.30%)	Compare
YRD Yirendai Ltd.	$67.7M	— (loss-making)	2.1×	−43.13% (below 0%: shrinking)	n/m	−332.34% (below 0%: shrinking)	78.70%	(39.50%)
WEI Weidai Ltd. Sponsored ADR	$67.6M	— (loss-making)	—	−36.85% (below 0%: shrinking)	n/m	—	0.00%	0.00%	Compare
ANTA Antalpha Platform Holding Company	$55.9M	3.8×	— (loss-making)	−28.24% (below 0%: shrinking)	n/m	0.00%	56.88%	(205.39%)	Compare
VRM Vroom, Inc.	$46.3M	— (loss-making)	— (loss-making)	−4.68% (below 0%: shrinking)	n/m	+8.45% (above 0%: growing)	100.00%	49.68%	Compare
JFIN Jiayin Group Inc. Sponsored ADR	$30.9M	1.7×	— (loss-making)	−58.75% (below 0%: shrinking)	n/m	+213.65% (above 0%: growing)	25.45%	(33.47%)	Compare
OMCC Old Market Capital Corporation	$24.4M	— (loss-making)	26.3×	+6.80% (above 0%: growing)	n/m	−34.36% (below 0%: shrinking)	86.04%	(30.48%)	Compare
Median of peers	$61.8M	2.0×	—	−32.54%	—	+8.45%	57.26%	(16.89%)

All 55 Credit Services stocks →

Yirendai Ltd. (YRD) key facts

Strength: Yirendai Ltd.’s revenue for fiscal 2025 (year ended December 2025) was $817.8 million, up 2.82% from fiscal 2024.
Yirendai Ltd. (YRD) is a Credit Services company in the Financial sector, traded in the US as an ADR.
As of October 16, 2026, YRD traded at $0.75, a market capitalization of $67.7 million.
Return on equity was 0.59% and debt-to-equity 0.00.
Its Piotroski F-score is 6 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations · fundamentals updated Oct 2, 2026.