Price
No data yet.
Social Signal Score
Analyst Ratings
8 analystsRevenue
$903.36M+1.90%Analyst Estimates
Consensus estimates, not results. Via Financial Modeling Prep.
Company Profile
- CEO
- Ning Tang
- Sector
- Financial Services
- Industry
- Financial - Credit Services
- Employees
- 981
- Beta
- 1.14
- Country
- CN
- Piotroski score
- 2 / 9 (Weak)
- Altman Z-score
- 1.61
Financials
Revenue
$903.36M+1.9%Net Income
$-447.27M-229.9%EBITDA
$-421.30M-285.6%Free Cash Flow
—EPS (diluted)
$-10.22-279.3%Shares Outstanding (diluted)
43.74M-27.6%Operating Expenses
$0.00Cash & Debt
$1.78BReturn of Capital
$0.00Revenue by Segment (annual)
$246.87MDividend per Share
$0.22Quote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $5.57B | $39.42M | $0.90 |
| 2024 | $5.81B | $1.58B | $18.27 |
| 2023 | $4.90B | $2.08B | $23.54 |
| 2022 | $3.43B | $1.19B | $13.68 |
| 2021 | $4.48B | $1.03B | $12.22 |
| 2020 | $3.96B | $-692.75M | $-7.68 |
| 2019 | $8.62B | $1.16B | $12.48 |
| 2018 | $11.24B | $1.58B | $10.49 |
| 2017 | $11.65B | $-188.07M | $-3.10 |
| 2016 | $3.24B | $1.12B | $18.88 |
| 2015 | $1.32B | $275.34M | $5.47 |
| 2014 | $196.53M | $-27.71M | $-0.48 |
| 2013 | $18.97M | $-50.55M | $-0.86 |
Valuation
Project earnings forward and see what return today's price implies.
EPS was negative in at least one boundary year, so a compound growth rate can't be computed from it. Set your own assumption.
- EPS in 5 years
- $0.67
- Implied price
- $19.36
- Return from $0.96
- 82.5% a year
To earn 15.0% a year on these assumptions you'd need to buy at $9.62 — today's price is already 90.1% below that.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 21 | 25 | 29 | 33 | 37 |
|---|---|---|---|---|---|
| -2.0% | 55.2% | 60.7% | 65.6% | 69.9% | 73.8% |
| 3.0% | 63.1% | 68.9% | 74.0% | 78.6% | 82.7% |
| 8.0% | 71.1% | 77.1% | 82.5% | 87.2% | 91.6% |
| 13.0% | 79.0% | 85.3% | 90.9% | 95.9% | 100.4% |
| 18.0% | 86.9% | 93.5% | 99.4% | 104.6% | 109.3% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
143+551.52%Social Signal Score
Mentions (5)
- Newsseekingalpha.com·5d ago·Neutral
Yiren Digital Ltd. (YRD) Q2 2026 Earnings Call Prepared Remarks Transcript Yiren Digital Ltd. (YRD) Q2 2026 Earnings Call Prepared Remarks Transcript
View source ↗ - Newsmarketbeat.com·6d ago·Negative
Yirendai Q2 Earnings Call Highlights Yirendai NYSE: YRD, which operates as Yiren Digital, reported a narrower sequential net loss in the second quarter of 2026 as lower provisions for contingent liabilities reflected improving credit conditions. Management said the company is accelerating a shift away from capital-intensive lending and toward an asset-light model centered on technology, borrower referrals, digital insurance distribution and artificial intelligence services.
View source ↗ - Newsprnewswire.com·6d ago·Neutral
Yiren Digital Reports Second Quarter 2026 Unaudited Financial Results BEIJING, Sept. 30, 2026 /PRNewswire/ -- Yiren Digital Ltd.
View source ↗ - Newsprnewswire.com·11d ago·Neutral
Yiren Digital to Report Second Quarter 2026 Financial Results on September 30, 2026 BEIJING, Sept. 25, 2026 /PRNewswire/ -- Yiren Digital Ltd.
View source ↗ - Newsprnewswire.com·55d ago·Negative
Yiren Digital's AI-Enabled Fraud Detection Framework Helped Avoid RMB165 Million in Potential Fraud-Related Losses in 2025 Hawkeye and DiTing helped prevent RMB165M (approximately US$23M) in fraud losses in 2025, reinforcing Yiren Digital's credit-risk discipline BEIJING, Aug. 12, 2026 /PRNewswire/ -- Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital" or the "Company"), a leading company specializing in financial technology and artificial intelligence innovation across multiple industries in China
View source ↗
Earnings
Wed, Nov 25(in 7 weeks)
Consensus estimate $0.38 per share
Typical surprise -297.3% (median, so one quarter with a near-zero estimate can't distort it)
- Wed, Sep 30$-0.75 vs $0.38miss
- Thu, Jun 25$-0.82 vs $0.38miss
- Thu, Mar 20$0.52 vs $0.08beat
Estimates and results for YRD via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Insider trading
Open-market buys and sells by YRD officers and directors.
No open-market trades in the recent filings. All 12 recent Form 4 entries were share awards, option exercises or tax withholding — pay, not decisions to buy or sell.
12 further Form 4 entries are share awards, option exercises or shares withheld for tax. Those are compensation, not trades, so they are excluded above. Buying is the stronger signal: an insider spends their own money for one reason. Selling has many innocent explanations — tax, diversifying, a house — so it says far less than it appears to. Via SEC filings.
Congress trades
No disclosed congressional trades in YRD.
Self-reported filings, amounts as brackets. Via Senate/House disclosures.