Financial Services
Live Price
Offline$1.15
-3.36% today
1Y Change
-80.00%
Window
Jun 23, 2025 → Jun 12, 2026
Coverage: 245 bars · Jun 23, 2025 → 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 → 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.
Benchmark Comparison
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
YRD
—
Normalized return
SPY
—
S&P 500
Excess Return
—
Relative to SPY
YRD Max Drawdown
-82.12%
Trailing 1Y
SPY Max Drawdown
—
Trailing 1Y
Uses the longest available daily history for YRD and SPY.
Financial profile
Profitability, balance sheet stamina, and cash efficiency drawn from the latest filings.
FY Revenue
$4.5B
+30.4% YoY
FY Net Income
$1.0B
-13.5% YoY
Free Cash Flow
$268.3M
+80.3% YoY
Revenue Growth
-4.0%
EPS Growth
-95.1%
Gross Margin
86.2%
Net Margin
0.9%
Income statement
CNY
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 5.6B | 5.8B | 4.9B | 3.4B | 4.5B |
| Gross Profit | 4.8B | 4.9B | 3.9B | 2.7B | 3.7B |
| Operating Income | 2.1B | 1.6B | 2.6B | 1.5B | 1.3B |
| EBITDA | -44M | 1.7B | 2.6B | 1.5B | 1.3B |
| Net Income | 39M | 1.6B | 2.1B | 1.2B | 1.0B |
| EPS (Diluted) | — | — | — | — | — |
Balance sheet
CNY
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Cash & Equivalents | 3.9B | 3.8B | 5.8B | 4.3B | 2.9B |
| Total Assets | 13.5B | 13.0B | 10.3B | 8.5B | 7.7B |
| Total Liabilities | 4.2B | 3.4B | 2.2B | 2.5B | 2.9B |
| Shareholder Equity | 9.3B | 9.5B | 8.1B | 6.0B | 4.8B |
| Total Debt | 40M | 41M | 24M | 803M | 1.1B |
| Net Debt | -3.8B | -3.8B | -5.8B | -3.5B | -1.8B |
Cash flow positioning
Latest Full Year
Operating Cash Flow
282M
+78.3% YoY
Capital Expenditures
14M
-45.9% YoY
Free Cash Flow
268M
+80.3% YoY
Key ratios
Gross Margin
86.2%
Operating Margin
22.6%
Net Margin
0.9%
ROE
0.5%
Debt / Equity
0.00x
Next Step
Use the numbers to decide whether this is a growth candidate, a quality compounder, or just an interesting outlier.