Yiren Digital Ltd.

YRD • Financial - Credit Services

$1.02

▲ +0.01 (+0.99%)

Current price

EarningsLatest report: Mar 31, 2026

FAVORABLE PROFILEAttractiveConfidence: 70%

Quantitative profile — not an investment recommendation.

Quantitative profile — not an investment recommendation.Methodology

Analysis thesis: Solid company profile with reasonable valuation support. The data suggests a balanced quality/value setup.

Market Cap

$89.23M

Growth

64.6%

Cash Flow

5/5

Trend

Stable

Evidence

Stable or improving margins · 0.7%Positive revenue growth · 24.8%Positive free cash flow · 15.62Consistent free cash flow · 5/5Manageable debt level · 0

Financial data as of: Mar 31, 2026, 12:00 AM UTCLast earnings update: Mar 31, 2026, 12:00 AM UTCLast profile update: Sep 2, 2026, 12:13 PM UTC

Company Snapshot

Key valuation, quality, financial strength, momentum and analyst data.

Price$1.02

Change0.99%

Shares Out87.48M

Market Cap$89.23M

52W Range0.82 - 6.79

Beta1.16

P/E29.52

P/S0.21

P/B0.13

P/FCF1.72

EV/Sales-0.49

EV/EBITDA61.18

Price$1.02

Change0.99%

Shares Out87.48M

Market Cap$89.23M

52W Range0.82 - 6.79

Beta1.16

P/E29.52

P/S0.21

P/B0.13

P/FCF1.72

EV/Sales-0.49

EV/EBITDA61.18

EV/FCF-4.00

Earnings Yield3.39%

FCF Yield58.25%

Dividend Yield23.47%

Gross Margin85.82%

Oper. Margin38.50%

Profit Margin0.71%

Debt/Eq0.00

Current Ratio0.00

Quick Ratio0.00

Revenue 5Y64.61%

Volume63.11K

Avg Volume1.08M

EPS Surprise0.73

Investment DNA

How strong this company looks for long-term investors

out of 100

Business Quality

Margins, moat, returns

52/100

Financial Strength

Debt, cash, stability

39/100

Growth Potential

Revenue and expansion

95/100

Price Attractiveness

Cheap or expensive today

69/100

Why this score▼

Stable or improving margins · 0.7%Positive revenue growth · 24.8%Positive free cash flow · 15.62Consistent free cash flow · 5/5Manageable debt level · 0

Analyst view

Analyst sentiment and price target

YRD

Analyst sentiment

Based on 8 analyst votes · 2026-09-05

19/100

Bearish

Bullish

Hold

Bearish

Company Overview

IPO: 12/18/2015

Industry: Financial - Credit Services

P/B i: 0.13

Debt / Equity i: 0.00

Operating Margin: 38.50%

Net Margin: 0.71%

ROE i: -

ROIC: -

Financial Health

Score8 / 20

Debt / Equity: 0.00

Current Ratio: 0.00

Quick Ratio: 0.00

Status: Moderate

Insider Transactions

Recent executive and insider activity

Tang Ning

Transaction: 06/05/2026

BUY

Change

+81,176,519

Price

Not reported

Filing

06/08/2026

Type

BUY

Huang Jingsheng

Transaction: 04/22/2026

OTHER

Change

Price

Not reported

Filing

04/23/2026

Type

OTHER

Tang Ning

Transaction: 03/27/2026

OTHER

Change

Price

Not reported

Filing

03/27/2026

Type

OTHER

Insider	Type	Change	Price	Transaction	Filing
Tang Ning	BUY	+81,176,519	Not reported	06/05/2026	06/08/2026
Huang Jingsheng	OTHER	0	Not reported	04/22/2026	04/23/2026
Tang Ning	OTHER	0	Not reported	03/27/2026	03/27/2026
Li Hao	OTHER	0	Not reported	03/26/2026	03/26/2026
Yang Bin Maggie	OTHER	+11,798	Not reported	03/18/2026	03/18/2026
Yang Bin Maggie	OTHER	0	Not reported	03/18/2026	03/18/2026
Sun Hanhui	OTHER	0	Not reported	03/18/2026	03/18/2026
Pang Hiu Fung Vincent	OTHER	0	Not reported	03/18/2026	03/18/2026
Hui Ka Chun William	OTHER	0	Not reported	03/18/2026	03/18/2026
Zheng Shuo	OTHER	0	Not reported	03/18/2026	03/18/2026
Ju Tina Lin-Chi	OTHER	0	Not reported	03/18/2026	03/18/2026

About the Company

Yiren Digital Ltd.

Yiren Digital Ltd., a subsidiary of Creditease Holdings (Cayman) Limited, operates as a leading online consumer finance marketplace connecting borrowers and investors across the People's Republic of China. Founded in Beijing in 2012 and previously known as Yirendai Ltd. until its name change in September 2019, the company's primary function involves facilitating loans. This includes not only the initial matching service but also comprehensive post-origination support, such as cash processing, debt collection, and communication management. Its diverse portfolio of loan products encompasses unsecured consumer credit, various secured consumer loans (including those collateralized by financial leases, automobiles, and real estate), and financing solutions tailored for small businesses. Beyond its lending activities, Yiren Digital also makes available a selection of financial investment products, such as short-term cash management tools, mutual funds, insurance policies, and securities. To further support its clientele, the company provides extensive online investor education services, covering a broad spectrum of investment and trading topics. It also offers specialized training programs focusing on wealth planning, market analysis, and strategic investment approaches. Additionally, Yiren Digital furnishes IT consultancy and support, referral services, system maintenance, and dedicated customer assistance. The firm also extends its operations into financial lease services and insurance brokerage. Customers can access Yiren Digital's offerings through its dedicated website, www.yxpuhui.com, alongside a specialized wealth management portal and a proprietary mobile application. As of December 31, 2020, the company showcased an impressive range of products, featuring 60 fixed income options, 810 mutual fund offerings, and 296 distinct insurance products.

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Peers

ANTA FOA JRVR LPRO MFIN OPRT PMTS SSSS SUIG TONX

Size reflects market cap · color matches the chart line

1Y peer performance

Top performers + selected company

Latest news

Yiren Digital Upgrades Enterprise AI Across Core Business Functions

Shared enterprise AI operating model accelerates deployment, strengthens operating leverage and supports scalable expansion across businesses BEIJING, Aug. 18, 2026 /PRNewswire/ -- Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital" or the "Company"), a leading company specializing in financial technology and artificial intelligence innovation across multiple industries in China and global markets, today announced continued progress in upgrading AI capabilities across core enterprise functions, establishing a shared operating model that enables AI capabilities developed within one business to be rapidly deployed across additional functions.

PRNewsWire

Yiren Digital's AI-Enabled Fraud Detection Framework Helped Avoid RMB165 Million in Potential Fraud-Related Losses in 2025

Hawkeye and DiTing helped prevent RMB165M (approximately US$23M) in fraud losses in 2025, reinforcing Yiren Digital's credit-risk discipline BEIJING, Aug. 12, 2026 /PRNewswire/ -- Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital" or the "Company"), a leading company specializing in financial technology and artificial intelligence innovation across multiple industries in China and global markets, today announced that its AI-powered fraud detection systems intercepted 10,300 fraudulent borrowers across 14,500 cases in 2025, helping avoid RMB165 million (US$23 million) in fraud-related losses and demonstrating how enterprise AI can strengthen credit-risk management through AI-led fraud detection and intelligent decision-making.

PRNewsWire

Yiren Digital's AI Agents Deliver Measurable Gains Across Customer Operations

AI-enabled customer operations achieve a 98.7% answer rate, nearly 80% autonomous problem resolution and approximately 1,500 hours of daily speech-to-text processing BEIJING, Aug. 4, 2026 /PRNewswire/ -- Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital" or the "Company"), a leading company specializing in financial technology and artificial intelligence innovation across multiple industries in China and global markets, today announced the continued expansion of AI deployment across customer operations, including intelligent customer service, outbound communications, quality controls and workflow automation.

PRNewsWire

Yiren Digital Releases 2025 ESG Report: Advancing Responsible AI and Sustainable Growth

BEIJING, July 30, 2026 /PRNewswire/ -- Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital" or the "Company"), a leading company specializing in financial technology and artificial intelligence innovation across multiple industries in China and global markets, today announced the publication of its 2025 Environmental, Social and Governance ("ESG") Report, the Company's third annual ESG report.

PRNewsWire

Yiren Digital Accelerates Operating Efficiency Through AI Agent Deployment

Broader AI adoption improves productivity across asset recovery and enterprise operations BEIJING, July 23, 2026 /PRNewswire/ -- Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital" or the "Company"), a leading company specializing in financial technology and artificial intelligence innovation across multiple industries in China and global markets, today announced measurable operating efficiency improvements as it continues to deploy AI agents across core enterprise workflows.

PRNewsWire

Earnings Surprises

Period	Estimate	Actual	Surprise
2024-06-21	0.02693	0.76	0.73307
2022-11-22	0.0335	0.42	0.3865
2022-09-26	0.03359	0.4444	0.41081
2022-08-30	0.03359	0.61	0.57641
2020-06-23	0.23	0.03	-0.2
2020-03-25	0.36	0.62	0.26
2019-11-14	0.4759	0.34	-0.1359
2019-09-03	0.48	0.24	-0.24
2019-07-10	0.6	0.59	-0.01
2019-03-25	0.51	1.32	0.81
2018-11-12	0.52	0.35	-0.17
2018-08-28	0.55	1.08	0.53