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 reviewed stock analysis.

Yiren Digital Ltd. (YRD)

NYSE: YRD · USD

$1.18

-0.03 (-2.5%)· Recorded snapshot

Coverage state: Market snapshot only — no published research

Market snapshot recorded 2026-07-27 02:00 UTC. No published research is attached to this ticker. Prices and fundamentals on this server-rendered page are dated snapshots, not a real-time trading feed.

On-demand research

Generate the first YRD analysis

Start the full research workflow when this ticker is ready in our data system.

Market cap	103.2M
Revenue (ttm)	736.5M
Net income (ttm)	-99.5M
EPS (ttm)	-$1.14
Shares out	87.5M
Dividend	$0.20 (16.95%)
Volume	44,994
Beta	1.12

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 736.5M
Net income (ttm): -99.5M
EPS (ttm): -$1.14
Market cap: 103.2M

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
AXP	American Express Company	227.9B	20.5x	3.2x	11.9%	+13.2%	+10.6%	Reduce
BAC	Bank of America Corporation	433.2B	14.3x	3.8x	—	+5.6%	+31.5%	Reduce
BK	The Bank of New York Mellon Corporation	—	—	—	—	—	—	Reduce

All YRD indicators

Market & fundamental data

Available fields

217

Groups with data

Currency

CNY

Showing 217 of 217 available metrics for this ticker.

Profile and market data

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

Metric	Value
Cik	0001631761
Company name	Yiren Digital Ltd.
Country	China
Country code	US
Cusip	98585L100
Employees	981
Employees Change	32%
Employees Change Percent	3.37
Enterprise value	$-247.3M
Exchange	NYSE
Financial currency	CNY
First seen	2026-05-09
Industry	Credit Services
Industry PE	22.42
Industry PE Fwd	18.95
IPO Date	2015-12-18
Isin	US98585L1008
Last refreshed	2026-07-27
Market cap	$103.2M
Market cap category	Micro-Cap
Price	$1.18
Price currency	USD
Rev Per Employee	750,749.58x
Sector	Financials
Sector PE	17.09
Sector PE Fwd	14.38
Sic	6199
Symbol	YRD
Website	https://www.yiren.com

Valuation

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

Metric	Value
Earnings Yield	-96.41%
FCF yield	-65.27%
P/B ratio	0.08x
P/S ratio	0.14x
PE Ratio10 Y	5.54x
PE Ratio3 Y	5.38x
PE Ratio5 Y	4.25x

Profitability

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

Metric	Value
EBIT Margin	-17.87%
EBITDA Margin	-17.87%
Gross margin	85.05%
Gross Profit	$626.4M
Gross Profit Growth	-15.41%
Gross Profit Growth Q	-46.04%
Gross Profit Growth3 Y	14.31%
Gross Profit Growth5 Y	8.59%
Net Income	$-99.5M
Net Income Growth Years	0%
Pretax Margin	-15.24%
Profit Margin	-13.51%
Profit Per Employee	$-101,460
Profitable Years	5
ROA	8.12
Roa5y	12.74
ROCE	-7.71
ROE	-7.42
Roe5y	18.81
ROIC	30.91
Roic5y	58.06

Growth

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

Metric	Value
Cagr10y	-24.13%
Cagr1y	-80.74%
Cagr3y	-17.88%
Cagr5y	-21.41%
Div CAGR3	33.01%
Div CAGR5	-25.65%
EPS Growth Years	0
Revenue Growth	-15.09x
Revenue Growth Q	-41.13x
Revenue Growth Years	0x
Revenue Growth3 Y	10.98x
Revenue Growth5 Y	4.7x

Financial strength

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

Metric	Value
Asset Turnover	$0.39
Assets	$1.8B
Cash	$355.7M
Current Assets	$1.7B
Current Liabilities	$76M
Debt	$5.1M
Debt Equity	$0
Equity	$1.3B
Liabilities	$539.9M
Long Term Assets	$158.6M
Long Term Liabilities	$463.8M
Net Cash	$350.5M
Net Cash By Market Cap	$340
Net Cash Growth	-39.64%
Net Debt Equity	$-0.28
Tangible Book Value	$1.3B
Tangible Book Value Per Share	$14.53
WACC	9.93

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Current ratio	21.75
Net Working Capital	$1.2B
Quick ratio	15.61
Working Capital	$1.5B
Working Capital Turnover	$0.07

Dividends and buybacks

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

Metric	Value
Buyback Yield	0.02%
Dividend Growth	135.29%
Dividend Growth Years	1%
Dividend per share	$0.2
Dividend Years	2
Dividend Yield	16.95%
Ex Div Date	2025-09-30
Last Dividend	$0.2

Performance and technicals

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

Metric	Value
10Y total return	-93.68%
1Y total return	-80.71%
200-day SMA	3.21
3Y total return	-44.62%
50-day SMA	1.34
50-day SMA vs 200-day SMA	50under200
5Y total return	-70.01%
All Time High	53.5
All Time High Change	-97.79%
All Time High Date	2017-10-18
All Time Low	0.67
All Time Low Change	76.12%
All Time Low Date	2022-08-30
ATR	0.11
Beta	1.12
Beta1y	2.98
Beta2y	1.31
Ch YTD	-68.11
High	1.21
High52	6.79
High52 Date	2025-10-07
High52ch	-82.62%
Low	1.17
Low52	0.82
Low52 Date	2026-06-30
Low52ch	43.9%
Ma50ch	-12.01%
Premarket Change Percent	-0.36
Premarket Price	$1.21
Premarket Volume	1,276
Price vs 200-day SMA	-63.22%
RSI	44.33
RSI Monthly	30.73
RSI Weekly	24.45
Sharpe ratio	-1.32x
Sortino ratio	-1.84
Total Return	16.97%
Tr YTD	-68.11
Tr1m	8.26%
Tr1w	-5.6%
Tr3m	-43.27%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	$242.8M
Operating Income Growth	-35.44
Operating Income Growth Q	-65.45
Operating Income Growth3 Y	-2.25
Operating Income Growth5 Y	52.88
Operating margin	32.96

Ownership and float

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

Metric	Value
Float	14,460,261%
Float Percent	16.53%
Net Borrowing	1,379,758.4
Shares Insiders	1.46%
Shares Institutions	2.65%
Shares Out	87,488,461
Shares Qo Q	0.38%
Shares Yo Y	-0.02%
Short Ratio	0.07
Short Shares	1.33

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Adjusted FCF	$-71.8M
Average Volume	3,065,798.7x
Bv Per Share	14.53
CAPEX	$-3.8M
Ch10y	-94.5
Ch1m	8.26
Ch1w	-5.6
Ch1y	-81.36
Ch3m	-43.27
Ch3y	-49.79
Ch5y	-72.81
Ch6m	-69.35
Change	-2.48%
Change From Open	-0.84
Close	1.21
Days Gap	-1.65
Depreciation Amortization	2,098,874.8
Dollar Volume	53,092.9
Earnings Date	2026-08-20
Earnings Time	bmo
EBIT	$-134M
EBITDA	$-134M
EPS	$-1.14
F Score	3
FCF	$-67.4M
FCF EV Yield	27.25x
FCF Per Share	$-0.77
Financing CF	57,643,315
Fiscal Year End	December
Founded	2,012
Income Tax	$-12.5M
Investing CF	-210,998,492
Is Primary Listing	1
Is Spac	No
Last Earnings Date	2026-06-25
Last Report Date	2026-03-31
Last Split Type	Never
Last10k Filing Date	2026-04-29
Ma150	2.54
Ma150ch	-53.56%
Ma20	1.22
Ma20ch	-2.96%
Net CF	-220,359,121
Next Earnings Date	2026-08-20
Open	1.19
Optionable	Yes
Payment Date	2025-10-15
Position In Range	25
Ppne	17,501,107.5
Pre Close	1.21
Price Date	2026-07-24
Ptbv Ratio	0.08
Relative Volume	0.01x
Revenue	736,485,341x
SBC By Revenue	0.59x
Share Based Comp	4,381,361
Tax By Revenue	-1.7x
Tr6m	-69.35%
Volume	44,994
Z Score	2.81

Yiren Digital Ltd. (YRD)

Coverage state: Market snapshot only — no published research

Generate the first YRD analysis

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 strength

Liquidity

Dividends and buybacks

Performance and technicals

Analyst estimates

Ownership and float

Other indicators

Deeper analysis on YRD

Frequently asked questions