Yiren Digital Ltd.
YRD · Price history
Price at last available close
$0.47
−$0.53 (-52.89%) 1M
2026-10-29
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Company & revenue
About Yiren Digital Ltd.
Primary reporting period: 2025-12-31 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
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.
How they make money
Yiren Digital operates as an AI-powered financial services platform in China, primarily acting as an intermediary that connects individual borrowers with institutional funding partners such as banks and trust companies. The company generates revenue through loan facilitation services, post-origination services, and other digital financial and lifestyle service offerings.
Products & services
Digital financial services including loan facilitation, insurance solutions, and premium lifestyle services.
Brands & revenue mix
No separate brand or brand-level revenue disclosure was confirmed in the reviewed sources. This does not mean the company has no brands.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer concentration
The company relies heavily on institutional funding partners to fund 99.5% of the loans facilitated in 2025.
Suppliers, materials & equipment
- Institutional funding partners — Banks and trust companies that provide the capital for loans facilitated by the platform.Source
Strengths
- AI-powered financial platformSource
Sources
Financial risk observations and what to check
These are saved observations about business performance, not predictions. Review the company filings alongside the interpretation below. Latest stored financial period end: 2026-06-30.
Opportunity Score is currently unavailable; Wall Street Score remains independently validated.
The unavailable Opportunity Score is a separate model output. It must not be substituted with zero or inferred from the company score.
Quarterly revenue fell 46.8% versus the same quarter last year.
Check comparable business scope and currency, then separate volume, pricing and divestitures. One weaker quarter does not establish that the same decline will continue.
Quarterly EPS turned negative at -0.76 versus 0.62 a year earlier.
Separate recurring operating losses from noncash or one-time charges, and check cash flow rather than interpreting negative EPS as a cash-outflow amount.
Quarterly net income turned from a profit to a loss versus the same quarter last year.
Identify the causes in the interim report and distinguish operating cash use from accounting charges. Prior profitability is not a guarantee of recovery.
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
37
Poor
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
45
Weak
Financial Strength
48
Business Quality / Moat
36
Management
60
Growth Quality
10
Risk / Durability
85
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Model Outlook
12-month model · What does the model think happens next?
Outperformance analysis is not currently available.
WSS View
The quick read
The overall Wall Street Score is low across its combined quality, valuation and risk inputs. This can reflect an expensive share price, business weaknesses, or both; check Company Quality and the category breakdown before drawing a conclusion.
A current Opportunity Score is not available.
The 12-month model outlook is not currently available.
- •Recent buyback activity is present
- •Valuation is a weaker part of the current profile
- •Revenue fundamentals are weak
- •Debt / balance-sheet profile needs attention
Company-specific research
Questions worth answering for YRD
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •What is driving YRD's revenue decline, and does the latest company filing suggest the weakness is temporary or structural?
- •Is YRD's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •How is YRD likely to use its cash advantage: reinvestment, acquisitions, debt reduction, dividends or buybacks?
- •What specifically needs to improve for YRD to reach sustainable profitability?
- •What future growth or profitability would be needed to justify YRD's current valuation?
Essential Investment Snapshot
Wall Street Score
37
Market Cap
$40.9M
P/E Ratio
-0.2
EPS
$-2.55
52-Week High
$5.69
52-Week Low
$0.35
Beta
1.12
Shares Outstanding
87.3M
Total Revenue
$644.5M
Total Debt
$5.0M
Dividend
No current dividend
Liquidation Value / Share
$11.76
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Strong downward momentum
Extreme movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for YRD
Detected from reported data — verify before acting.Dividend history reported
Dividend payments are recorded. Review the dates and regular/special classification below; past payments do not guarantee future dividends.
Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
Community Sentiment
0 active · 0 total callsNo personal call yet on YRD.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +AI-powered financial platform.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Key risks may include competition, margin pressure, debt levels, valuation risk, and changes in demand within the Financial - Credit Services industry.
- −Regulatory and VIE structure risks in China.
- −Profitability pressure.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
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Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
3 historical score records availablePrevious Score
37
Oct 1, 2026
Change
Unchanged
Current Score
37
Oct 29, 2026
Category Changes
YRD score was unchanged.
Projected Score
Projected Score
25
Projected Change
-11.8 points
Preliminary comparable-period financial changes suggest decline of approximately 11.8 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
Valuation unavailableCurrent Price
$0.47
Model Intrinsic Value
—
Difference
—
Margin of Safety
—
Intrinsic value is not currently available for this stock, so valuation can't be calculated.
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $644.5M | $834.1M | $869.1M | $732.8M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $118.8M | $118.3M | $132.2M | $146.1M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $525.7M | $715.8M | $736.9M | $586.7M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $46.9M | $0.00 | $61.7M | $22.3M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $160.5M | $221.8M | $220.2M | $132.9M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $450.7M | $394.7M | $490.4M | $198.3M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | -$199.6M | -$3.9M | $250.8M | $392.2M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $74.9M | $321.1M | $246.5M | $388.4M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | -$242.6M | -$8.5M | $278.7M | $396.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | -$18.5M | -$14.4M | $41.8M | $84.6M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | -$223.4M | $5.9M | $236.9M | $311.4M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $-2.55 | $0.13 | $2.73 | $3.52 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 87.49M | 86.79M | 86.63M | 88.37M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 87.49M | 87.34M | 87.36M | 89.34M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$133.2M
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
-$0.76
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
-13.1%
Cash Change
-58.6%
Margin Change
-71.6 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Debt reduced
What Weakened
- Margins contracted
- Cash position declined
Potential Score Impact
Positive indicators included debt levels. Pressure indicators included revenue growth, EPS growth, cash levels, net income margin. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue declined 46.8%. EPS declined 224.1%. Cash declined 58.6%. Total debt declined 13.1%. Net income margin declined by 71.6 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
Smart Money
Number of Gurus
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Log in to view dividend history.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
3 historical recordsHistorical Score Chart
3 of 3 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
Related Companies
Financial - Credit ServicesNews
INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Yiren Digital Ltd. - YRD
ROSEN, A HIGHLY RECOGNIZED LAW FIRM, Encourages Yiren Digital Ltd. Investors to Inquire About Securities Class Action Investigation - YRD
INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Yiren Digital Ltd. - YRD
ROSEN, TRUSTED INVESTOR COUNSEL, Encourages Yiren Digital Ltd. Investors to Inquire About Securities Class Action Investigation - YRD
Rumor Mill · YRD
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
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