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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. 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%
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% (at or above 10%: strong)
Next 5Y EPS Growth (1.49%) (below 0%: weak)

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.

Target Price Range

Analyst price targets

Recommendation Rating

4.6
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
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

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 $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.

Yirendai Ltd. (YRD) Latest News

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stockrow.com/YRD · Data as of Oct 2, 2026 · For information only; not investment advice. · © 2026 stockrow.com