Yiren Digital/$YRD
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15:10
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18:25
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About Yiren Digital
Yiren Digital Ltd is an AI-powered platform providing a comprehensive suite of financial and lifestyle services in China. Its mission is to elevate customers' financial well-being and enhance their quality of life by delivering digital financial services, tailor-made insurance solutions, and premium lifestyle services. The company supports clients at various growth stages, addressing financing needs arising from consumption and production activities, while aiming to augment the overall well-being and security of individuals, families, and businesses.
Ticker
$YRD
Sector
Primary listing
NYSE
Employees
949
Headquarters
Website
Yiren Digital Metrics
BasicAdvanced
$510M
2.83
$2.09
0.86
$0.37
6.78%
Price and volume
Market cap
$510M
Beta
0.86
52-week high
$8.74
52-week low
$4.41
Average daily volume
86K
Dividend rate
$0.37
Financial strength
Current ratio
7.859
Quick ratio
5.554
Long term debt to equity
0.383
Total debt to equity
0.383
Dividend payout ratio (TTM)
9.47%
Profitability
EBITDA (TTM)
369.832
Gross margin (TTM)
87.15%
Net profit margin (TTM)
21.05%
Operating margin (TTM)
42.71%
Effective tax rate (TTM)
10.13%
Revenue per employee (TTM)
$909,420
Management effectiveness
Return on assets (TTM)
12.47%
Return on equity (TTM)
13.64%
Valuation
Price to earnings (TTM)
2.827
Price to revenue (TTM)
0.591
Price to book
0.05
Price to tangible book (TTM)
0.05
Price to free cash flow (TTM)
2.783
Free cash flow yield (TTM)
35.94%
Free cash flow per share (TTM)
2.12
Dividend yield (TTM)
6.27%
Forward dividend yield
6.78%
Growth
Revenue change (TTM)
12.42%
Earnings per share change (TTM)
-35.12%
3-year revenue growth (CAGR)
17.76%
10-year revenue growth (CAGR)
23.26%
3-year earnings per share growth (CAGR)
5.28%
10-year earnings per share growth (CAGR)
16.85%
Bulls say / Bears say
Q2 2025 revenue increased 10% year-over-year to RMB1.65 billion, led by consistently strong growth in financial services (Reuters).
Net income bounced back to RMB357.5 million in Q2 2025, marking a return to profitability and showing operational improvements (Reuters).
Total loans facilitated in Q2 2025 climbed 34% quarter-on-quarter to RMB20.3 billion, reflecting strong lending momentum, especially for small revolving loan products (Reuters).
Q1 2025 net income fell 49% year-over-year to RMB247.5 million, mainly due to substantial upfront provisions required by the risk-taking model, putting pressure on profitability (PR Newswire).
Revenue from the insurance brokerage business dropped 43% year-over-year to RMB71.5 million in Q1 2025, as a result of regulatory product changes and lower commission rates, exposing obstacles to diversifying revenue sources (PR Newswire).
Yiren Digital shares tumbled 14.67% at the open following weak Q1 2025 earnings and the CFO’s resignation, signaling investor doubt about near-term growth and management continuity (Tiger Brokers).
Data summarised monthly by Lightyear AI. Last updated on 4 Sept 2025.
Yiren Digital Financial Performance
Revenues and expenses
Yiren Digital Earnings Performance
Company profitability
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.
Capital at risk
Upcoming events
Sept30
Yiren Digital
DividendEx-dividend
Oct15
Yiren Digital
DividendPayment
$0.22Per share
FAQs
What’s the current market cap for Yiren Digital stock?
Yiren Digital (YRD) has a market cap of $510M as of September 18, 2025.
What is the P/E ratio for Yiren Digital stock?
The price to earnings (P/E) ratio for Yiren Digital (YRD) stock is 2.83 as of September 18, 2025.
Does Yiren Digital stock pay dividends?
Yes, the Yiren Digital (YRD) stock pays dividends to shareholders. As of September 18, 2025, the dividend rate is $0.37 and the yield is 6.78%. Yiren Digital has a payout ratio of 9.47% on a trailing twelve-month basis.
When is the next Yiren Digital dividend payment date?
The next Yiren Digital (YRD) dividend payment is scheduled for October 15, 2025.
What is the beta indicator for Yiren Digital?
Yiren Digital (YRD) has a beta rating of 0.86. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.