S&P 500 7,387.05 â–ŧ 197.26 (-2.60%) DOW 50,877.30 â–ŧ 684.63 (-1.33%) NASDAQ 25,726.49 â–ŧ 1,104.47 (-4.12%) US Markets Closed â€ĸ 10:28 PM ET

YRD

Yiren Digital Ltd.

Price Chart
Latest Quote

$1.22

-0.01 (-0.81%)
Current Price
Previous Close $1.23
Open $1.23
Day High $1.25
Day Low $1.20
Volume 73,163
Fetched: 2026-06-06T02:28:50
Stock Information
Note: Financial values converted from CNY to USD
Quarterly Dividend / Yield $0.44 / 27.16%
Shares Outstanding 87.49M
Quarterly Dividend Yield 27.16%
Quarterly Dividend $0.44
Total Debt $7.22M
Cash Equivalents $716.66M
Revenue $845.41M
Net Income $8.06M
Sector Financial Services
Industry Credit Services
Market Cap $106.74M
P/E Ratio 13.56
EPS (TTM) $0.09
Exchange NYQ
🌐 Visit Website
📊 Comprehensive Analysis
Company Data
Enterprise Value$-4.59B
Sales$845.41M
Income$8.06M
Book/sh$15.63
Cash/sh$55.42
Employees981
Financial Ratios
Quick Ratio14.73
Current Ratio23.98
Debt/Eq0.53
Returns & Margins
ROA10.14%
ROE0.58%
Gross Margin86.25%
Operating Margin3.50%
Profit Margin0.95%
Ownership
Institutional Ownership2.66%
Insider & Institutional transactions data not available
Valuation Ratios
Forward P/E2.90
P/S0.02
P/B0.08
Analyst Data
Recommendationnone
Technical Indicators
SMA20$1.67
SMA50$1.82
SMA200$4.00
RSI6.19
ATR0.1459
Shares Float31.20M
Short Float0.39%
Short Ratio0.88
Volatility1.06
Rel Volume0.41
Performance History
Week-10.29%
Month-42.45%
Quarter-68.06%
6 Months-73.54%
YTD-68.15%
Year-80.94%
3 Years-35.03%
5 Years-65.37%
10 Years-90.92%
Stock Score: ⭐ Premium
Based on debt, profitability, growth, and cash flow metrics
⭐ Premium Feature

Sign up for free to view detailed scoring breakdown — premium is free during our trial period!

Recent Price History
Date Close Volume
2026-06-05 $1.22 73,163
2026-06-04 $1.23 331,200
2026-06-03 $1.26 225,400
2026-06-02 $1.35 246,000
2026-06-01 $1.34 212,300
2026-05-29 $1.36 118,400
2026-05-28 $1.47 186,000
2026-05-27 $1.48 223,700
2026-05-26 $1.43 555,700
2026-05-22 $1.60 676,600
2026-05-21 $1.87 145,400
2026-05-20 $1.90 45,200
2026-05-19 $1.92 106,400
2026-05-18 $1.99 29,700
2026-05-15 $2.07 121,500
2026-05-14 $1.98 27,200
2026-05-13 $1.98 44,800
2026-05-12 $1.98 39,700
2026-05-11 $1.96 90,600
2026-05-08 $2.00 59,700
2026-05-07 $2.03 30,600
2026-05-06 $2.12 53,200
About Yiren Digital Ltd.

Yiren Digital Ltd. provides financial services through an AI-powered Fintech platform in China. Its platform provides a suite of financial and lifestyle services. The company offers credit solutions, insurance brokerage, and others. The company was formerly known as Yirendai Ltd. and changed its name to Yiren Digital Ltd. in September 2019. The company was founded in 2012 and is based in Beijing, the People's Republic of China. Yiren Digital Ltd. operates as a subsidiary of CreditEase Holdings (Cayman) Limited.

Period:
Loading...
Income Statement (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Revenue
Reconciled Cost Of Revenue $116,300,041 $130,582,100 $144,367,834 $114,888,414
Cost Of Revenue $116,300,041 $130,582,100 $144,367,834 $114,888,414
Total Revenue $845,825,740 $858,645,150 $724,023,977 $507,952,134
Operating Revenue $845,548,295 $857,559,180 $721,555,367 $427,628,548
Expenses
Total Expenses $878,621,930 $615,057,890 $340,276,996 $290,275,518
Other Income Expense $15,531,449 $20,072,023 $-1,672,508 $7,368,117
Other Non Operating Income Expenses $4,173,950 $273,304 $2,957,836 $4,572,962
Net Non Operating Interest Income Expense $11,642,338 $11,703,565 $9,152,580 $-3,889,850
Operating Expense $762,321,889 $484,475,790 $195,909,162 $175,387,104
Other Operating Expenses $349,962,874 $128,559,384 $3,998,255 $3,179,822
Selling And Marketing Expense $171,544,727 $176,942,038 $97,106,200 $84,886,048
General And Administrative Expense $47,634,618 $40,621,884 $34,182,971 $40,196,104
Total Other Finance Cost - $-15,599,183 $-11,942,115 $3,889,850
Income & Earnings
Net Income From Continuing Operation Net Minority Interest $8,064,540 $234,009,047 $307,644,079 $176,711,623
Net Interest Income $11,642,338 $11,703,565 $9,152,580 $-3,889,850
Interest Income $11,642,338 $11,703,565 $9,152,580 -
Normalized Income $-453,584 $217,179,007 $311,285,182 $174,478,182
Net Income From Continuing And Discontinued Operation $8,064,540 $234,009,047 $307,644,079 $176,711,623
Net Income Common Stockholders $8,064,540 $234,009,047 $307,644,079 $176,711,623
Net Income $8,064,540 $234,009,047 $307,644,079 $176,711,623
Net Income Including Noncontrolling Interests $8,064,540 $234,009,047 $307,644,079 $176,711,623
Net Income Continuous Operations $8,064,540 $234,009,047 $307,644,079 $176,711,623
Earnings From Equity Interest Net Of Tax $-674,387 $-65,072 $0 $0
Pretax Income $-5,622,403 $275,362,848 $391,227,052 $221,154,884
Interest Income Non Operating $11,642,338 $11,703,565 $9,152,580 -
Operating Income $-32,796,190 $243,587,260 $383,746,981 $217,676,616
Gross Profit $729,525,699 $728,063,049 $579,656,142 $393,063,720
Special Income Charges - - - $0
Earnings From Equity Interest - - - $2,795,155
Per Share
Diluted EPS $0.09 $2.68 $3.44 $2.02
Basic EPS $0.09 $2.70 $3.48 $2.02
Other
Tax Effect Of Unusual Items $2,839,375 $2,968,679 $-989,241 $561,714
Tax Rate For Calcs $0 $0 $0 $0
Normalized EBITDA (Bullshit earnings) $-39,629,383 $227,971,956 $392,139,840 $222,694,733
Total Unusual Items $11,357,499 $19,798,719 $-4,630,344 $2,795,155
Total Unusual Items Excluding Goodwill $11,357,499 $19,798,719 $-4,630,344 $2,795,155
Reconciled Depreciation $4,524,306 $4,183,415 $3,762,515 $7,813,272
EBITDA (Bullshit earnings) $-28,271,884 $247,770,675 $387,509,496 $225,489,888
EBIT $-32,796,190 $243,587,260 $383,746,981 $217,676,616
Diluted Average Shares $12,917,217 $12,919,204 $13,213,269 $12,969,470
Basic Average Shares $12,835,190 $12,811,597 $13,069,916 $12,918,050
Diluted NI Availto Com Stockholders $8,064,540 $234,009,047 $307,644,079 $176,711,623
Tax Provision $-14,361,329 $41,288,729 $83,582,973 $44,443,261
Gain On Sale Of Security $11,357,499 $19,798,719 $-4,630,344 $2,795,155
Provision For Doubtful Accounts $133,051,745 $77,439,400 $38,622,239 $24,656,817
Research And Development $60,127,925 $60,913,083 $21,999,497 $22,468,314
Selling General And Administration $219,179,345 $217,563,923 $131,289,171 $125,082,152
Other Gand A $47,634,618 $40,621,884 $34,182,971 $40,196,104
Gain On Sale Of Ppe - - - $0
Fetched: 2026-06-02
Balance Sheet (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Assets
Net Tangible Assets $1,368,766,413 $1,407,605,461 $1,190,200,818 $886,987,726
Total Assets $1,989,877,514 $1,920,034,280 $1,519,871,606 $1,262,418,455
Total Non Current Assets $194,881,314 $84,599,138 $30,546,312 $34,199,387
Other Non Current Assets $59,908,602 $312,052 $2,271,766 $4,086,103
Non Current Deferred Assets $48,712,749 $11,499,623 $10,862,061 $12,566,958
Non Current Deferred Taxes Assets $48,078,737 $11,456,143 $10,857,329 $12,450,567
Investmentin Financial Assets $70,873,596 $53,208,068 $1,541,033 $399,308
Goodwill And Other Intangible Assets $2,491,829 $3,641,688 $5,585,578 $4,920,064
Other Intangible Assets $1,785,202 $2,935,061 $4,878,950 $4,213,437
Current Assets $1,794,996,200 $1,835,435,142 $1,489,325,294 $1,228,219,067
Restricted Cash $77,304,227 $38,492,242 $39,527,189 $13,132,200
Prepaid Assets $252,004,817 $338,765,098 $51,057,278 $24,825,265
Receivables $969,865,107 $878,632,726 $466,213,519 $414,622,795
Other Receivables $354,514,540 $227,870,798 $168,662,908 $185,268,938
Accrued Interest Receivable $345,623 $1,488,531 $2,204,327 $1,410,444
Loans Receivable $52,983,420 $64,436,309 $100,246,238 $7,993,404
Accounts Receivable $122,179,480 $83,786,768 $73,802,001 $32,684,679
Allowance For Doubtful Accounts Receivable $-22,018,131 $-22,912,137 $-6,908,765 $-2,696,807
Gross Accounts Receivable $144,197,611 $106,698,905 $80,710,767 $35,381,486
Cash Cash Equivalents And Short Term Investments $495,822,049 $579,545,076 $932,527,308 $775,638,806
Cash And Cash Equivalents $495,160,381 $568,094,405 $856,490,662 $631,778,833
Non Current Accounts Receivable - $149,210,995 $144,645,723 $92,689,559
Debt
Total Debt $7,224,367 $6,028,809 $3,497,345 $118,776,193
Long Term Debt And Capital Lease Obligation $7,224,367 $6,028,809 $3,497,345 $118,776,193
Long Term Debt $1,344,484 - - $113,566,113
Liabilities
Total Liabilities Net Minority Interest $618,619,272 $508,787,131 $324,085,210 $370,510,664
Total Non Current Liabilities Net Minority Interest $355,501,717 $192,940,678 $39,427,067 $148,124,138
Other Non Current Liabilities $195,584,243 $90,950,499 $16,574,086 $17,555,052
Non Current Deferred Liabilities $6,324,445 $6,207,906 $18,053,891 $11,792,892
Non Current Deferred Taxes Liabilities $4,415,162 $6,133,221 $18,053,891 $11,792,892
Current Liabilities $263,117,555 $315,846,454 $284,658,144 $222,386,526
Current Deferred Liabilities $33,571 $1,401,866 $7,992,664 $9,692,681
Payables And Accrued Expenses $263,083,984 $314,444,587 $276,665,479 $212,693,846
Payables $237,672,919 $251,853,820 $231,883,103 $140,877,440
Other Payable $191,489,120 $55,880,917 $87,465,725 $21,867,873
Total Tax Payable $27,873,463 $170,417,792 $137,715,513 $83,239,273
Accounts Payable $11,776,624 $6,384,045 $4,570,152 $2,091,782
Equity
Common Stock Equity $1,371,258,242 $1,411,247,149 $1,195,786,396 $891,907,790
Total Equity Gross Minority Interest $1,371,258,242 $1,411,247,149 $1,195,786,396 $891,907,790
Stockholders Equity $1,371,258,242 $1,411,247,149 $1,195,786,396 $891,907,790
Gains Losses Not Affecting Retained Earnings $-372,244 $11,723,087 $3,500,451 $1,148,380
Other Equity Adjustments $-372,244 $11,723,087 $3,500,451 $1,148,380
Retained Earnings $621,967,395 $655,905,457 $441,511,595 $134,414,420
Long Term Equity Investment $1,704,897 $1,366,372 $0 -
Other
Tangible Book Value $1,368,766,413 $1,407,605,461 $1,190,200,818 $886,987,726
Invested Capital $1,372,602,726 $1,411,247,149 $1,195,786,396 $1,005,473,903
Working Capital $1,531,878,645 $1,519,588,689 $1,204,667,150 $1,005,832,541
Capital Lease Obligations $5,879,882 $6,028,809 $3,497,345 $5,210,080
Total Capitalization $1,372,602,726 $1,411,247,149 $1,195,786,396 $1,005,473,903
Treasury Stock $25,243,060 $25,210,080 $14,027,685 $6,911,575
Additional Paid In Capital $774,886,481 $768,809,163 $764,782,809 $763,237,487
Capital Stock $19,670 $19,522 $19,226 $19,078
Common Stock $19,670 $19,522 $19,226 $19,078
Long Term Capital Lease Obligation $5,879,882 $6,028,809 $3,497,345 $5,210,080
Long Term Provisions $146,368,662 $89,753,463 $1,301,744 -
Current Deferred Revenue $33,571 $1,401,866 $7,992,664 $9,692,681
Current Accrued Expenses $25,411,065 $62,590,768 $44,782,376 $71,816,406
Dueto Related Parties Current $6,533,712 $19,171,066 $2,131,712 $33,678,512
Investments And Advances $72,578,492 $54,574,440 $1,541,033 $399,308
Held To Maturity Securities $2,877,974 $974,163 $1,541,033 $399,308
Available For Sale Securities $67,995,621 $52,233,905 - -
Goodwill $706,627 $706,627 $706,627 $706,627
Net PPE $11,189,641 $14,571,335 $10,285,875 $12,226,955
Accumulated Depreciation $-5,383,705 $-6,110,889 $-7,203,662 $-6,346,185
Gross PPE $16,573,347 $20,682,225 $17,489,536 $18,573,140
Leases $1,020,453 $745,818 $594,377 $617,892
Other Properties $5,520,653 $5,870,565 $3,458,006 $5,014,863
Machinery Furniture Equipment $10,032,240 $8,377,331 $7,748,643 $7,251,874
Buildings And Improvements $0 $5,688,510 $5,688,510 $5,688,510
Properties $0 $0 $0 $0
Duefrom Related Parties Current $439,842,045 $501,050,320 $121,298,044 $187,265,330
Other Short Term Investments $661,668 $11,450,671 $76,036,646 $143,859,974
Treasury Shares Number - $1,732,057 $1,091,659 $319,679
Ordinary Shares Number - $25,526,979 $25,837,728 $26,410,188
Share Issued - $27,259,036 $26,929,387 $26,729,867
Fetched: 2026-06-02
Cash Flow Statement (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Free Cash Flow
Free Cash Flow $100,252,745 $209,251,073 $320,417,789 $273,385,091
Operating Activities
Operating Cash Flow $104,060,072 $210,610,050 $321,075,020 $273,515,532
Cash Flow From Continuing Operating Activities $104,060,072 $210,610,050 $321,075,020 $273,515,532
Operating Gains Losses $-10,353,757 $-16,256,562 $9,455,906 $-2,040,463
Investing Activities
Capital Expenditure $-3,807,326 $-1,358,978 $-657,231 $-130,441
Investing Cash Flow $-233,102,175 $-460,404,181 $14,795,835 $7,773,045
Cash Flow From Continuing Investing Activities $-233,102,175 $-460,404,181 $14,795,835 $7,773,045
Net Other Investing Changes $-150,907,462 $-123,899,609 $-50,773,621 $126,415,692
Financing Activities
Repurchase Of Capital Stock $-32,980 $-11,182,395 $-7,116,110 $-567,461
Financing Cash Flow $97,993,550 $-40,999,452 $-84,191,548 $-72,337,281
Cash Flow From Continuing Financing Activities $97,993,550 $-40,999,452 $-84,191,548 $-72,337,281
Net Other Financing Charges $190,003,842 $31,427,007 $66,551,310 -
Cash Dividends Paid $-40,394,427 $-18,092,048 $0 $0
Net Common Stock Issuance $-32,980 $-11,182,395 $-7,116,110 $-567,461
Other
Repayment Of Debt $-52,964,786 $-43,152,017 $-143,626,748 $-71,769,820
Issuance Of Debt $1,381,901 $0 $0 $0
Interest Paid Supplemental Data $28,099 $0 $9,248,118 $17,998,136
Income Tax Paid Supplemental Data $39,099,190 $20,717,423 $24,428,176 $11,664,522
End Cash Position $572,464,608 $606,586,648 $896,017,851 $644,911,033
Beginning Cash Position $606,586,648 $896,017,851 $644,911,033 $435,592,078
Effect Of Exchange Rate Changes $-3,073,487 $1,362,379 $-572,489 $367,659
Changes In Cash $-31,048,552 $-290,793,583 $251,679,307 $208,951,296
Common Stock Payments $-32,980 $-11,182,395 $-7,116,110 $-567,461
Net Issuance Payments Of Debt $-51,582,885 $-43,152,017 $-143,626,748 $-71,769,820
Net Long Term Debt Issuance $-51,582,885 $-43,152,017 $-143,626,748 $-71,769,820
Long Term Debt Payments $-52,964,786 $-43,152,017 $-143,626,748 $-71,769,820
Long Term Debt Issuance $1,381,901 $0 $0 $0
Net Investment Purchase And Sale $-79,336,408 $-335,268,344 $66,954,019 $-118,641,020
Sale Of Investment $42,034,695 $1,565,266,254 $2,221,875,085 $215,150,772
Purchase Of Investment $-121,371,103 $-1,900,534,599 $-2,154,921,065 $-333,791,793
Net Business Purchase And Sale $947,691 $121,271 $-747,001 $0
Sale Of Business $980,966 $121,271 $0 $0
Purchase Of Business $-33,276 $0 $-747,001 $0
Net PPE Purchase And Sale $-3,805,995 $-1,357,499 $-637,562 $-1,627
Sale Of PPE $1,331 $1,479 $19,670 $128,814
Purchase Of PPE $-3,807,326 $-1,358,978 $-657,231 $-130,441
Change In Working Capital $-385,658,926 $-219,821,787 $-43,406,539 $59,920,877
Change In Other Working Capital $-23,343,537 $6,808,199 $77,842,997 $-18,746,025
Change In Other Current Liabilities $-189,099,780 $38,540,012 $-9,489,182 $-5,250,011
Change In Payables And Accrued Expense $-16,535,782 $25,462,088 $32,055,252 $17,487,170
Change In Accrued Expense $-22,498,484 $23,648,342 $29,576,733 $18,214,946
Change In Payable $5,962,702 $1,813,745 $2,478,519 $-727,776
Change In Account Payable $5,962,702 $1,813,745 $2,478,519 $-727,776
Change In Prepaid Assets $-29,907,863 $-146,673,615 $-24,953,488 $183,238
Change In Receivables $-126,771,964 $-143,958,470 $-118,862,119 $66,246,505
Changes In Account Receivables $-58,393,450 $-25,987,991 $-45,329,428 $10,143,011
Stock Based Compensation $4,469,290 $2,503,512 $998,565 $3,273,585
Provisionand Write Offof Assets $483,014,619 $205,998,784 $42,620,494 $27,836,638
Depreciation Amortization Depletion $4,524,306 $4,183,415 $3,762,515 $7,813,272
Depreciation And Amortization $4,524,306 $4,183,415 $3,762,515 $7,813,272
Depreciation $4,524,306 $4,183,415 $3,762,515 $7,813,272
Gain Loss On Investment Securities $-10,352,426 $-16,255,231 $9,475,576 $-2,795,155
Gain Loss On Sale Of PPE $-1,331 $-1,331 $-19,670 $754,692
Net Income From Continuing Operations $8,064,540 $234,009,047 $307,644,079 $176,711,623
Other Non Cash Items - $-6,359 - $-2,795,155
Earnings Losses From Equity Investments - - - -
Fetched: 2026-06-02