Financial Services
Yiren Digital Ltd.(YRD)
Live Price
Offline$1.15
-3.36% today
1Y Change
-80.00%
Window
Jun 23, 2025 โ Jun 12, 2026
- Market Cap
- $1.22B
- Revenue Growth
- -4.0%
- EPS Growth
- -95.1%
- Dividend Yield
- 21.5%
Coverage: 245 bars ยท Jun 23, 2025 โ Jun 12, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Yiren Digital Ltd. (YRD) is a Financial Services stock with a market cap of $1.22B and listed on NYSE. The stock last traded around $1.15 and down 80.0% across the available one-year price window (Jun 23, 2025 โ Jun 12, 2026). Baseline metrics include revenue growth of -4.0%, EPS growth of -95.1%, a dividend yield of 21.5%. What stands out right now is revenue -4.0%, EPS -95.1%, free cash flow -52.1% with operating margin 22.6% and ROIC -11.9%. The dividend matters to the case here, with a current yield around 21.5%. Valuation is more restrained than many high-expectation growth names at P/E 11.6 and price/sales 0.2. Overall, the current profile looks closer to a income-oriented value setup than a generic broad-market placeholder. Stock Foundry combines YRD price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Below sector median
-4.0% vs +3.4% peer median
Operating Margin
Above sector median
+22.6% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on Jun 4, 2026, but the surprise data is still limited.
The operating picture looks softer than before
Revenue is at -4.0% and EPS is at -95.1%, with operating margin around 22.6%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 21.5%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged -3.4% over the next 5 trading days and finished higher after 1 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 Jun 4, 2026 | โ | -0.8% | -2.4% | โ |
2026 Mar 19, 2026 | โ | -3.0% | -16.3% | +8.9% |
2025 Nov 25, 2025 | โ | +3.8% | +8.5% | -3.3% |
Benchmark Comparison
Normalized Performance vs SPY
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
YRD
โ
Normalized return
SPY
โ
S&P 500
Excess Return
โ
Relative to SPY
YRD Max Drawdown
-82.12%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for YRD and SPY.
Company Overview
Yiren Digital Ltd.
New York Stock Exchange
Yiren Digital Ltd., through its subsidiaries, operates as an online consumer finance marketplace that connects borrowers and investors in the People's Republic of China. It provides loan facilitation services; and post-origination services, such as cash processing, collection, and SMS services. The company's loan products portfolio includes unsecured consumer loans; secured consumer loan, which include secured financial leasing, auto-secured, and property-secured loans; and small business loans. It also distributes short-term cash management, mutual fund investment, insurance, and securities and stock products. In addition, the company provides online investor education services, which include a range of investment and trading topics, and various types of training programs on wealth planning, market insights, and investment strategies; consultancy information technology support; referral; and IT, system maintenance, and customer support services. Further, it is involved in the provision of services for financing lease and insurance brokerage businesses. The company offers its products through www.yxpuhui.com, and a wealth management website and mobile application. As of December 31, 2020, it had 60 fixed income products, 810 mutual fund products, and 296 insurance products. The company was formerly known as Yirendai Ltd. and changed its name to Yiren Digital Ltd. in September 2019. Yiren Digital Ltd. was founded in 2012 and is based in Beijing, the People's Republic of China. Yiren Digital Ltd. is a subsidiary of Creditease Holdings (Cayman) Limited.
- Leadership
- Ning Tang
- IPO Date
- Dec 18, 2015
- Employees
- 949
- Street Address
- Building 9
- Mailing
- Beijing, 100022
- Region
- Beijing, CN
- Reporting Currency
- USD
- Investor Line
- 86 10 5395 3680
- Last Updated
- May 6, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 11.6
- EV/EBITDA
- โ
- Price/Sales
- 0.2
- Price/Book
- 0.1
Growth
- Revenue
- -4.0%
- EPS
- -95.1%
- Free Cash Flow
- -52.1%
Profitability
- Gross Margin
- 86.2%
- Operating Margin
- 22.6%
- Net Margin
- 0.9%
- ROE
- 0.5%
- ROIC
- -11.9%
Balance Sheet
- Debt/Equity
- 0.00
- Current Ratio
- โ
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.