Financial Services · Financial - Credit Services
Price
$0.84
Market Cap
$73.3M
Employees
949
Beta
1.06
Avg Volume
111,338
CEO
Ning Tang
Business Description
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.
Business History
Price Overview
Last updated: Jul 1, 2026 10:38am (just now)$0.92
+0.08 (+10.03%)
Day Range
$0.84 – $1.05
52-Week Range
$0.82 – $6.79
50-Day MA
$1.61
200-Day MA
$3.62
Volume
67,899.00
Share Structure
Outstanding
86,934,549.00
Float
29,364,992.00
Free Float
33.8%
Moderate free float
— 33.8% of shares trade freely, ~66.2% held by insiders/institutions
Reasonable but insiders still hold a significant stake. This can be positive (skin in the game) but may limit liquidity during sell-offs.
Price History (1 Year)
Revenue & Net Income Trend
The directional story — useful even when net income is negative.
Revenue
The top line — total sales before any costs or taxes are subtracted. A measure of how much business the company is doing.
Net Income
The bottom line — profit left after subtracting all expenses, interest, and taxes from revenue. Reflects accounting profitability, but includes non-cash items like depreciation, so it isn't the same as cash earned.
Operating Cash Flow
The real cash generated by the day-to-day business — selling products, paying suppliers, collecting from customers. Calculated from net income by adding back non-cash items and adjusting for timing (unpaid bills, unsold inventory). When OCF consistently lags net income, the reported profit may not be converting to real money.
| Period | Revenue | Net Income | Net Margin | YoY/QoQ |
|---|
Key Metrics
API Direct from provider
CALC Derived from statements
P/E Ratio (Price per dollar of earnings)
CALCStock Price / EPS (Diluted)
0.94
Stock Price: $0.84
EPS (Diluted): 0.90
EPS (Diluted): 0.90
P/B Ratio (Price vs net asset value)
APIStock Price / Book Value Per Share
0.12
Stock Price: $0.84
Total Equity: $9.27B
Shares: 43,671,172
Total Equity: $9.27B
Shares: 43,671,172
EV/EBITDA (Total value vs operating profit)
APIEnterprise Value / EBITDA
4.33
Market Cap: $73.29M
Total Debt: $9.09M
Cash: $3.35B
EBITDA: -$44.31M
Total Debt: $9.09M
Cash: $3.35B
EBITDA: -$44.31M
Enterprise Value (Takeover price (cap + debt - cash))
APIMarket Cap + Total Debt - Cash
-$2.2B
Market Cap: $73.29M
Total Debt: $9.09M
Cash: $3.35B
Total Debt: $9.09M
Cash: $3.35B
Gross Margin (Revenue left after direct costs)
APIGross Profit / Revenue
85.8%
Gross Profit: $4.78B
Revenue: $5.57B
Revenue: $5.57B
Operating Margin (Revenue left after all operations)
APIOperating Income / Revenue
38.5%
Operating Income: $2.15B
Revenue: $5.57B
Revenue: $5.57B
Net Margin (Revenue left as actual profit)
APINet Income / Revenue
0.7%
Net Income: $39.42M
Revenue: $5.57B
Revenue: $5.57B
ROE (Profit from shareholder equity)
APINet Income / Total Equity
-7.2%
Net Income: $39.42M
Total Equity: $9.27B
Total Equity: $9.27B
ROIC (Profit from all invested capital)
APINOPAT / Invested Capital
4.8%
Operating Income: $2.15B
Tax Rate: 169.3%
Equity: $9.27B
Total Debt: $9.09M
Cash: $3.35B
Tax Rate: 169.3%
Equity: $9.27B
Total Debt: $9.09M
Cash: $3.35B
Current Ratio (Can it pay short-term bills)
APICurrent Assets / Current Liabilities
6.82
Current Assets: $12.14B
Current Liabilities: $1.78B
Current Liabilities: $1.78B
Debt/Equity (Leverage — debt vs equity)
CALCTotal Debt / Total Equity
0.00
Short-Term Debt: $0.00
Long-Term Debt: $9.09M
Total Debt: $9.09M
Total Equity: $9.27B
Long-Term Debt: $9.09M
Total Debt: $9.09M
Total Equity: $9.27B
Rev/Share (Top-line per share)
CALCRevenue / Shares Outstanding
$127.59
Revenue: $5.57B
Shares: 43,671,172
Shares: 43,671,172
Book Value/Share (Net assets per share)
CALC(Total Assets - Total Liabilities) / Shares
$212.31
Total Equity: $9.27B
Shares: 43,671,172
Shares: 43,671,172
FCF/Share (Real cash generated per share)
CALC(Operating Cash Flow + CapEx) / Shares
$15.52
Operating CF: $703.62M
CapEx: -$25.74M
Shares: 43,671,172
CapEx: -$25.74M
Shares: 43,671,172
CapEx is negative (outflow) — added to OCF to get FCF
Div Yield (Annual income from holding)
APILast Annual Dividend / Stock Price
24.3%
Last Dividend: N/A
Stock Price: $0.84
Stock Price: $0.84
Payout Ratio (Earnings paid out as dividends)
Dividends Paid / Net Income
—
Dividends Paid: N/A
Net Income: $39.42M
Net Income: $39.42M
Dividends paid not available in cash flow statement
Industry Benchmarks
Compares YRD against LLM-researched typical ranges for its
industry. One research call per industry, cached indefinitely — every stock in the same industry
reuses the same baseline.
Deep Analysis
Pre-flight intelligence scans the company first, then routes to the right analytical methods.
0
Company Classification
— What type of company is this?
1
Industry Landscape
— Where is the industry headed?
2
Company Momentum
— Where is this company trending?
3
Forward Projection
— 1Y & 2Y projected metrics (requires Layer 1 + 2)
4a
DCF Valuation
— Present value of future cash flows
4b
Earnings Power Value
— Floor value — worth with zero growth
4c
Anchored PE
— Industry PE adjusted for growth differential
4d
Reverse DCF
— What growth is the market pricing in?
4e
Revenue-Based DCF
— For growth/narrative companies (skip if mature earner)
4f
Anchored P/S
— Price-to-Sales peer comparison (skip if mature earner)
4g
Scenario Analysis
— Bull / Base / Bear (skip if mature earner)
4h
Dividend Discount Model
— For dividend/income stocks only
4i
Book Value Analysis
— For deep value / turnaround stocks only
4j
Insider Activity
— Are insiders buying or selling?
4f
Cash Flow Quality
— How trustworthy is the FCF?
4g
Debt Maturity Risk
— Can it handle its debt?
4h
Macro Environment
— Rates, market valuation, volatility
4i
Sector Intelligence
— How does this company compare within its sector?
4j
Revenue Confidence
— How reliable is the growth projection?
4k
Sensitivity Analysis
— How fragile is the fair value estimate?
4l
Sector Demand Cycle
— Is the sector in a boom, steady state, or contraction?
5
AI Investigation
— Adaptive research engine (Claude)
5b
Thesis Evaluation
— What does the market believe? (narrative/platform stocks only)
6
Valuation Synthesis
— Weighted verdict from all methods (requires Layer 4)
Income Statement (Annual)
Last updated: Jul 1, 2026 9:31am (1h ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | $4.5B | $3.4B | $4.9B | $5.8B | $5.6B |
| Cost of Revenue | $760.9M | $776.8M | $976.2M | $883.0M | $790.2M |
| Gross Profit | $3.7B | $2.7B | $3.9B | $4.9B | $4.8B |
| Operating Expenses | $2.4B | $1.2B | $1.3B | $3.3B | $2.6B |
| Operating Income | $1.3B | $1.5B | $2.6B | $1.6B | $2.1B |
| Net Income | $1.0B | $1.2B | $2.1B | $1.6B | $39.4M |
| EBITDA | $1.3B | $1.5B | $2.6B | $1.7B | -$44.3M |
| EPS | $12.22 | $13.68 | $23.54 | $18.27 | $0.90 |
| EPS (Diluted) | — | — | — | — | — |
Balance Sheet (Annual)
Last updated: Jul 1, 2026 9:31am (1h ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Cash & Equivalents | $2.9B | $4.3B | $5.8B | $3.8B | $3.3B |
| Total Current Assets | $6.4B | $7.7B | $9.1B | $11.7B | $12.1B |
| Total Assets | $7.7B | $8.5B | $10.3B | $13.0B | $13.5B |
| Current Liabilities | $1.6B | $1.5B | $1.4B | $2.1B | $1.8B |
| Long-Term Debt | $1.0B | $767.9M | $0 | $0 | $9.1M |
| Total Liabilities | $2.9B | $2.5B | $2.2B | $3.4B | $4.2B |
| Total Equity | $4.8B | $6.0B | $8.1B | $9.5B | $9.3B |
| Retained Earnings | -$247.8M | $908.9M | $3.0B | $4.4B | $4.2B |
Cash Flow (Annual)
Last updated: Jul 1, 2026 9:31am (1h ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | $158.2M | $1.8B | $2.2B | $1.4B | $703.6M |
| Capital Expenditure | -$9.4M | $-882,000 | -$4.4M | -$9.2M | -$25.7M |
| Free Cash Flow | $148.8M | $1.8B | $2.2B | $1.4B | $677.9M |
| Acquisitions (net) | $0 | $0 | -$5.1M | $820,000 | $6.4M |
| Debt Repayment | — | — | — | — | — |
| Dividends Paid | — | — | — | — | — |
| Stock Buybacks | -$2.8M | -$3.8M | -$48.1M | -$75.6M | $-223,000 |
| Net Change in Cash | $238.2M | $1.4B | $1.7B | -$2.0B | -$230.7M |
Analyst Estimates (Annual)
Last updated: Jul 1, 2026 9:31am (1h ago)| Metric | 2029 | 2030 | 2031 | 2032 |
|---|---|---|---|---|
| Revenue |
$4.1B $4.1B – $4.1B
|
$5.0B $5.0B – $5.0B
|
$4.4B $4.4B – $4.4B
|
$3.9B $3.9B – $3.9B
|
| EBITDA |
$1.3B $1.3B – $1.3B
|
$1.6B $1.6B – $1.6B
|
$1.4B $1.4B – $1.4B
|
$1.2B $1.2B – $1.2B
|
| Net Income |
$14.1M $14.1M – $14.1M
|
$565.9M $565.9M – $565.9M
|
$339.9M $339.9M – $339.9M
|
$126.4M $126.4M – $126.4M
|
| EPS | — | — | — | — |
Growth Trends (YoY %)
Last updated: Jul 1, 2026 9:31am (1h ago)| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue Growth | -23.3% | +42.5% | +18.6% | -4.0% |
| Gross Profit Growth | -28.5% | +47.5% | +25.6% | -2.9% |
| Operating Income Growth | +14.3% | +76.3% | -36.5% | +30.3% |
| Net Income Growth | +15.7% | +74.1% | -23.9% | -97.5% |
| EBITDA Growth | +14.6% | +70.7% | -35.6% | -102.6% |
Insider Trading (Recent)
Last updated: Jul 1, 2026 9:31am (1h ago)
Type codes
PPurchase
SSale
AAward / grant
MOption exercise
FIn-kind (tax)
CConversion
GGift
DReturn to issuer
All SEC Form 4 codes
Open market
- P Purchase
- Open-market or private purchase of shares.
- S Sale
- Open-market or private sale of shares.
Compensation (Rule 16b-3)
- A Award / grant
- Grant or award of securities (RSUs, options, etc.) under Rule 16b-3.
- D Return to issuer
- Securities disposed back to the company under Rule 16b-3.
- F In-kind (tax)
- Shares withheld or delivered to pay the option-exercise price or tax — not an open-market sale.
- I Discretionary
- Discretionary transaction under an employee plan — Rule 16b-3(f).
- M Option exercise
- Exercise or conversion of a derivative (option/RSU) into shares — exempt.
Derivatives
- C Conversion
- Conversion of a derivative security into the underlying shares.
- E Short expiration
- Expiration of a short derivative position.
- H Long expiration
- Expiration or cancellation of a long derivative position with value received.
- O OTM exercise
- Exercise of an out-of-the-money derivative.
- X ITM exercise
- Exercise of an in-the-money or at-the-money derivative.
Other exempt
- G Gift
- Bona fide gift of securities.
- L Small acquisition
- Small acquisition under Rule 16a-6.
- W Inheritance
- Acquisition or disposition by will or the laws of descent.
- Z Voting trust
- Deposit into or withdrawal from a voting trust.
Other
- J Other
- Other acquisition or disposition (explained in a Form 4 footnote).
- K Equity swap
- Transaction in an equity swap or similar instrument.
- U Tender / buyout
- Disposition via tender of shares in a change-of-control transaction.
Compensation-plan codes (A, D, F, M) are routine and rarely directional. Open-market P (buy) and S (sale) carry the most signal.
| Date | Insider | Type | Shares | Price | Value |
|---|---|---|---|---|---|
| 2026-06-05 | Tang Ning | J-Other | 81,176,519.00 | $0.00 | $0 |
| 2026-04-22 | Huang Jingsheng | 0.00 | $0.00 | $0 | |
| 2026-03-27 | Tang Ning | 0.00 | $0.00 | $0 | |
| 2026-03-27 | Tang Ning | 0.00 | $0.00 | $0 | |
| 2026-03-26 | Li Hao | 0.00 | $0.00 | $0 | |
| 2026-03-18 | Ju Tina Lin-Chi | 0.00 | $0.00 | $0 | |
| 2026-03-18 | Zheng Shuo | 0.00 | $0.00 | $0 | |
| 2026-03-18 | Hui Ka Chun William | 0.00 | $0.00 | $0 | |
| 2026-03-18 | Pang Hiu Fung Vincent | 0.00 | $0.00 | $0 | |
| 2026-03-18 | Sun Hanhui | 0.00 | $0.00 | $0 | |
| 2026-03-18 | Yang Bin Maggie | 0.00 | $0.00 | $0 | |
| 2026-03-18 | Yang Bin Maggie | 11,798.00 | $0.00 | $0 |
Dividend History (Last 20)
Last updated: Jul 1, 2026 9:31am (1h ago)| Date | Dividend | Declaration | Record | Payment |
|---|---|---|---|---|
| 2025-09-30 | $0.22 | 2025-08-21 | 2025-09-30 | 2025-10-15 |
| 2025-04-30 | $0.22 | 2025-03-20 | 2025-04-30 | 2025-05-15 |
| 2024-09-30 | $0.20 | 2024-08-20 | 2024-09-30 | 2024-10-15 |
| 2018-04-27 | $0.28 | 2018-03-14 | 2018-04-30 | 2018-05-15 |
| 2017-09-28 | $1.50 | 2017-08-11 | 2017-09-29 | 2017-10-16 |
Narrative Economics
The story the market is telling about this stock — the intangible X-factor
(founder mythology, cult dynamics, TAM-of-imagination) that moves price beyond
what cash flows alone explain. After Shiller, Narrative Economics.
No narrative profile yet for YRD — it's generated by the pipeline (
market-narrative step).
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Data via Financial Modeling Prep · Cached for performance · fmp
v1.1.361 · dbb547f5 · 2026-07-01 10:01:38