Financials / Credit ServicesUpdated 2026-05-10 22:07 UTC

YRD stock hub

Yiren Digital Ltd. has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

172.8M

NYSE

Market data

Live price

Current market quote for this ticker.

Current price

YRD

In the news

Latest news · YRD

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/En/a

P25 8.8P50 10.4P75 13.1

Trailing P/E30.1

P25 10.9P50 14.7P75 36.2

ROE0.4

P25 4.9P50 10.4P75 15

ROIC34.4

P25 -1.3P50 6.6P75 12.7

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All YRD market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

236

Groups with data

Currency

CNY

Showing 236 of 236 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	949
Employees Change	195%
Employees Change Percent	25.86
Enterprise value	$-300.2M
Exchange	NYSE
Financial currency	CNY
First seen	2026-05-09
Industry	Credit Services
IPO Date	2015-12-18
Isin	US98585L1008
Last refreshed	2026-05-10
Market cap	$172.8M
Market cap category	Micro-Cap
Price	$2
Price currency	USD
Rev Per Employee	861,628.64x
Sector	Financials
Sic	6199
Symbol	YRD
Website	https://www.yiren.com

Valuation

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

Metric	Value
Earnings Yield	3.35%
FCF yield	58.43%
P/B ratio	0.13x
P/E ratio	30.15x
P/S ratio	0.21x
PE Ratio10 Y	6.1x
PE Ratio3 Y	6.18x
PE Ratio5 Y	5.03x

Profitability

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

Metric	Value
EBIT Margin	37.6%
EBITDA Margin	37.82%
FCF margin	12.35%
Gross margin	86.25%
Gross Profit	$705.3M
Gross Profit Growth	0.2%
Gross Profit Growth Q	-43.68%
Gross Profit Growth3 Y	22.89%
Gross Profit Growth5 Y	11.54%
Net Income	$5.8M
Net Income Growth	-97.44%
Net Income Growth Years	0%
Net Income Growth3 Y	-67.63%
Pretax Margin	-1.02%
Profit Margin	0.71%
Profit Per Employee	$6,105
Profitable Years	5
ROA	10.17
Roa5y	12.74
ROCE	16.63
ROE	0.43
Roe5y	18.78
ROIC	34.43
Roic5y	56.69

Growth

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

Metric	Value
Cagr10y	-15.2%
Cagr1y	-67.03%
Cagr3y	-5.09%
Cagr5y	-9.68%
Div CAGR3	33.01%
Div CAGR5	-25.65%
EPS Growth	-97.44
EPS Growth Years	0
EPS Growth3 Y	-67.59
FCF Growth	-51.46%
FCF Growth3 Y	-28.11%
FCF Growth5 Y	20.68%
OCF Growth	-51.78%
OCF Growth10 Y	-2.24%
OCF Growth3 Y	-28.12%
OCF Growth5 Y	19.48%
Revenue Growth	-1.49x
Revenue Growth Q	-34.06x
Revenue Growth Years	0x
Revenue Growth3 Y	18.53x
Revenue Growth5 Y	7.62x

Financial strength

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

Metric	Value
Asset Turnover	$0.43
Assets	$1.9B
Cash	$478.7M
Current Assets	$1.8B
Current Liabilities	$77.7M
Debt	$5.7M
Debt EBITDA	$0.02
Debt Equity	$0
Debt FCF	$0.06
Equity	$1.3B
Liabilities	$598.1M
Long Term Assets	$136.9M
Long Term Liabilities	$520.4M
Net Cash	$473M
Net Cash By Market Cap	$274
Net Cash Growth	-36.04%
Net Debt EBITDA	$-1.53
Net Debt Equity	$-0.36
Net Debt FCF	$-4.68
Tangible Book Value	$1.3B
Tangible Book Value Per Share	$14.56
WACC	10.69

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Current ratio	22.99
Net Working Capital	$1.2B
Quick ratio	16.28
Working Capital	$1.7B
Working Capital Turnover	$0.08

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	$0.44
Dividend Years	2
Dividend Yield	22%
Ex Div Date	2025-09-30
Last Dividend	$0.2
Payout Ratio	602.96%

Performance and technicals

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

Metric	Value
10Y total return	-80.76%
1Y total return	-67%
200-day SMA	4.4
3Y total return	-14.51%
50-day SMA	2.42
50-day SMA vs 200-day SMA	50under200
5Y total return	-39.9%
All Time High	53.5
All Time High Change	-96.26%
All Time High Date	2017-10-18
All Time Low	0.67
All Time Low Change	198.51%
All Time Low Date	2022-08-30
ATR	0.13
Beta	1.23
Beta1y	2.56
Beta2y	1.27
Ch YTD	-45.95
High	2.03
High52	7.68
High52 Date	2025-06-11
High52ch	-73.96%
Low	1.95
Low52	1.58
Low52 Date	2026-04-02
Low52ch	26.58%
Ma50ch	-17.18%
Premarket Change Percent	5.42
Premarket Price	$2.14
Premarket Volume	1,700
Price vs 200-day SMA	-54.59%
RSI	44.02
RSI Monthly	32.48
RSI Weekly	26.89
Sharpe ratio	-1.4x
Sortino ratio	-1.53
Total Return	22.02%
Tr YTD	-45.95
Tr1m	21.21%
Tr1w	-1.48%
Tr3m	-47.64%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	$307.4M
Operating Income Growth	-14.55
Operating Income Growth Q	-92.82
Operating Income Growth3 Y	12.92
Operating margin	37.6

Ownership and float

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

Metric	Value
Float	14,517,327%
Float Percent	16.8%
Shares Insiders	0.21%
Shares Institutions	3.18%
Shares Out	86,406,484
Shares Qo Q	-0.43%
Shares Yo Y	-0.02%
Short Ratio	0.56
Short Shares	0.69

Other indicators

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

Metric	Value
Adjusted FCF	$101M
Average Volume	72,106.25x
Bv Per Share	15.2
Ch10y	-83.26
Ch1m	21.21
Ch1w	-1.48
Ch1y	-68.1
Ch3m	-47.64
Ch3y	-22.48
Ch5y	-45.5
Ch6m	-62.26
Change	-1.48%
Change From Open	-1.48
Close	2.03
Days Gap	0
Depreciation Amortization	1,904,187.7
Dollar Volume	119,568
Earnings Date	2026-06-11
Earnings Time	bmo
EBIT	$307.4M
EBITDA	$309.3M
EPS	$0.07
F Score	6
FCF	$101M
FCF EV Yield	-33.64x
FCF Per Share	$1.17
Financing CF	94,733,501
Fiscal Year End	December
Founded	2,012
Graham Number	4.76336
Graham Upside	138.2
Income Tax	$-14.2M
Investing CF	-222,261,952
Is Primary Listing	1
Is Spac	No
Last Earnings Date	2026-03-19
Last Report Date	2025-12-31
Last Split Type	Never
Last10k Filing Date	2026-04-29
Lynch Fair Value	$0.33
Lynch Upside	-83.42
Ma150	3.89
Ma150ch	-48.6%
Ma20	2.05
Ma20ch	-2.53%
Net CF	-32,986,818
Next Earnings Date	2026-06-11
Open	2.03
Optionable	Yes
P FCF Ratio	1.71
P OCF Ratio	1.76
Payment Date	2025-10-15
Position In Range	62.5
Post Close	2
Postmarket Change Percent	-0.5
Postmarket Price	$1.99
Ppne	12,900,247
Pre Close	2.03
Price Date	2026-05-08
Price EBITDA	$0.56
Ptbv Ratio	0.14
Relative Volume	0.83x
Revenue	817,685,577x
Tax By Revenue	-1.73x
Tr6m	-62.26%
Volume	59,784
Z Score	2.95

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

YRD dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+22.0%

$0.44 annual per share

Payout ratio

+603.0%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

-25.6%

1 consecutive years of growth

Total shareholder yield

+22.0%

Next ex-dividend date: 2025-09-30

Performance

YRD stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns YRD?

Insider, institutional, and short-interest positioning.

Institutional ownership

+3.2%

Float: +16.8% of shares outstanding

Insider ownership

+0.2%

Stake held by company insiders. Higher generally signals alignment.

Negative means the company is buying back shares.

Technical

YRD momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

44.0

Neutral momentum band

Price vs 200-day MA

-54.6%

50/200-day relationship not available

Beta (5Y)

1.23

More volatile than the market

Sharpe ratio

-1.40

Risk-adjusted return — higher is better; >1.0 is solid.

Peers

YRD vs. sector cohort

Currency-neutral comparison: P/E, P/S, ROIC, 5Y revenue CAGR, and 1Y total return. Market-cap column appears only when every peer reports in the same currency.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
AXP	American Express Company	215.6B	19.7x	3.1x	11.5%	+15.5%	+15.6%	Ridurre
BAC	Bank of America Corporation	364.1B	12.7x	3.3x	—	+6.3%	+28.2%	Ridurre
BK	The Bank of New York Mellon Corporation	89.6B	16.2x	4.3x	—	+6.0%	+58.4%	Ridurre

Questions

About YRD

Hub-level FAQ points readers to the deeper analysis pages.

What is the current YRD stock rating?

Yiren Digital Ltd. is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full YRD analysis?

The full report lives at /stocks/YRD/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for YRD?

The latest report frames YRD around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the YRD page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.