Yiren Digital Ltd. (YRD)

NYSE: YRD · USD

$0.40

+0.02 (+4.5%)· Recorded snapshot

Market cap	34.6M
Revenue (ttm)	635.6M
Net income (ttm)	-219.5M
EPS (ttm)	-$2.51
Shares out	87.5M
Volume	90,410
Beta	1.12

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 635.6M
Net income (ttm): -219.5M
EPS (ttm): -$2.51
Market cap: 34.6M

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	35.9B	9.0x	1.9x	15.9%	+15.1%	+28.1%	Strong Buy
AIG	American International Group Inc.	42.7B	13.0x	1.5x	7.9%	-10.3%	+5.5%	Strong Buy
AIZ	Assurant, Inc.	15.3B	14.6x	1.1x	14.4%	+6.5%	+49.1%	Hold

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-11-04 20:55 UTC

Forward P/En/a

P25 n/aP50 n/aP75 n/a

Trailing P/En/a

P25 n/aP50 n/aP75 n/a

ROE-17.7

P25 n/aP50 n/aP75 n/a

ROIC14

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All YRD indicators

Market & fundamental data

Available fields

228

Groups with data

Currency

CNY

Showing 228 of 228 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0001631761
Company name	Yiren Digital Ltd.
Country	China
Country code	US
CUSIP number	98585L100
Earnings date	2026-11-24
Earnings time	bmo
Employees	981
Employees change	32
Employees growth	3.37%
Enterprise value	$-210.3M
Exchange	NYSE
Financial currency	CNY
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	2012
Industry	Credit Services
IPO date	2015-12-18
Is primary listing	Yes
Is SPAC	No
ISIN number	US98585L1008
Last 10-K release date	2026-04-29
Last earnings date	2026-09-30
Last refreshed	2026-11-04
Last stock split type	Never
Market cap	$34.6M
Market cap category	Nano-Cap
Next earnings date	2026-11-24
Options	Yes
Price	$0.40
Price currency	USD
Sector	Financials
SIC code	6199
Stock price date	2026-11-04
Symbol	YRD
Website	https://www.yiren.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Average P/E ratio (10Y)	5.43x
Average P/E ratio (3Y)	5.83x
Average P/E ratio (5Y)	4.25x
Earnings yield	-636.43%
FCF / EV yield	135.09%
FCF yield	-822.94%
Industry forward P/E	20.42x
Industry P/E	23.75x
P/B ratio	0.03x
P/S ratio	0.05x
Price / tangible book value	0.03x
Price/EBITDA ratio	0.28x
Sector forward P/E	13.75x
Sector P/E	15.77x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT margin	18.79%
EBITDA margin	19.15%
Gross margin	81.75%
Operating margin	18.79%
Pretax margin	-37.52%
Profit margin	-34.53%
Profit per employee	$-223,726
Profitable years	5
Revenue per employee	$647,942
ROA	4.22%
ROA (5Y)	12.74%
ROCE	8.89%
ROE	-17.75%
ROE (5Y)	18.81%
ROIC	14.04%
ROIC (5Y)	58.06%
SBC / revenue	0.7%
Tax / revenue	-2.9%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth years	0
Gross profit growth	-34.01%
Gross profit growth (Q)	-53.03%
Gross profit growth 3Y	2.71%
Gross profit growth 5Y	1.89%
Net income growth years	0
Operating income growth	-69.04%
Operating income growth 3Y	-28.09%
Operating income growth 5Y	1.72%
Revenue growth	-29.66%
Revenue growth (Q)	-46.13%
Revenue growth (QoQ)	-2.75%
Revenue growth 10Y	7.03%
Revenue growth 3Y	0.61%
Revenue growth 5Y	-0.42%
Revenue growth years	0

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-3.9M
Depreciation and amortization	$2.3M
EBIT	$119.5M
EBITDA	$121.7M
EPS	$-2.51
FCF per share	$-3.25
Financing cash flow	$-76.5M
Free cash flow	$-284.2M
Free cash flow minus SBC	$-288.7M
Gross profit	$519.6M
Income taxes	$-18.4M
Investing cash flow	$-36.7M
Net borrowing	$1.4M
Net cash flow	$-393.3M
Net income	$-219.5M
Operating cash flow minus SBC	$-284.8M
Operating income	$119.5M
Revenue	$635.6M
Stock-based compensation	$4.4M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Altman Z-Score	2.78
Book value per share	$11.53
Debt / EBITDA	0.04
Debt / equity	0
Long-term assets	$117.1M
Long-term liabilities	$332.9M
Net cash (debt)	$244.9M
Net cash / market cap	709.17%
Net cash growth	-59.03%
Net debt / EBITDA	-2.01
Net debt / equity	-0.24
Piotroski F-Score	2
Property, plant and equipment	$16.7M
Shareholders' equity	$1B
Tangible book value	$1B
Tangible book value per share	$11.53
Total assets	$1.4B
Total cash	$249.8M
Total debt	$4.9M
Total liabilities	$400.2M
WACC	9.14%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.36
Current assets	$1.3B
Current liabilities	$67.3M
Current ratio	19.23
Net working capital	$955M
Quick ratio	12.28
Working capital	$1.2B
Working capital turnover	0.06

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	-0.37%
Dividend growth (3Y)	33.01%
Dividend growth (5Y)	-25.65%
Dividend growth years	1
Dividend payment date	2025-10-15
Dividend payment years	2
Dividend per share	$0.00
Dividend yield	0%
Last dividend	$0.20
Shareholder yield	-0.37%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	-98.51%
10Y return CAGR	-33.42%
10Y total return	-98.29%
150-day SMA	$1.27
1D price change	4.54%
1M price change	-58.29%
1M total return	-58.29%
1W price change	-15.9%
1W total return	-15.9%
1Y price change	-92.82%
1Y return CAGR	-92.83%
1Y total return	-92.82%
20-day SMA	$0.63
200-day SMA	$1.80
3M price change	-64.98%
3M total return	-64.98%
3Y price change	-82.1%
3Y return CAGR	-41.76%
3Y total return	-80.26%
50-day SMA	$0.85
50-day SMA vs 200-day SMA	50under200
52-week high	$5.60
52-week high date	2025-11-10
52-week low	$0.36
52-week low date	2026-10-13
5Y price change	-87.75%
5Y return CAGR	-33%
5Y total return	-86.5%
6M price change	-80.33%
6M total return	-80.33%
After-hours change	-1.75%
After-hours close	$0.38
After-hours price	$0.37
All-time high	$53.50
All-time high date	2017-10-18
All-time low	$0.36
All-time low date	2026-10-13
Average true range (ATR)	$0.09
Average volume	7M
Beta (1Y)	3.17
Beta (2Y)	1.55
Beta (5Y)	1.12
Change from 52-week high	-92.95%
Change from 52-week low	11.22%
Change from all-time high	-99.25%
Change from all-time low	12.42%
Change from open	1.4%
Day's gap	3.1%
Dollar volume	$35,707
High price	$0.42
Low price	$0.39
Monthly RSI	26.8
Open price	$0.39
Position in 52-week range	18.47%
Premarket change	8.79%
Premarket close	$0.38
Premarket price	$0.41
Premarket volume	1.3K
Previous close	$0.38
Price vs 150-day SMA	-68.52%
Price vs 20-day SMA	-36.24%
Price vs 200-day SMA	-77.82%
Price vs 50-day SMA	-52.93%
Relative volume	0.01
RSI	28.64
Sharpe ratio	-1.64
Sharpe ratio (3Y)	-0.21
Sharpe ratio (5Y)	-0.04
Sortino ratio	-2.22
Sortino ratio (3Y)	-0.24
Sortino ratio (5Y)	-0
Volume	90.4K
Weekly RSI	18.39
YTD price change	-89.21%
YTD total return	-89.21%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	14.4M
Float percentage	16.51%
Shares change (QoQ)	0.01%
Shares change (YoY)	0.37%
Shares held by insiders	1.48%
Shares held by institutions	2.41%
Shares outstanding	87.5M
Short % of shares	16.25%
Short ratio	0.4 days

Deeper analysis on YRD

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this YRD report

Is a complete YRD research report available?

No complete published report is available for Yiren Digital Ltd. (YRD) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

Yiren Digital Ltd. (YRD)

Price

Financial snapshot

Fair-value bridge

Latest news · YRD

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All YRD indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on YRD

Frequently asked questions