Yiren Digital/$YRD
13:30
15:10
16:45
18:25
20:00
1D1W1MYTD1Y5YMAX
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
NON_CLASSIFIED
Primary listing
NYSE
Industry
Consumer Finance
Headquarters
Employees
949
Website
Yiren Digital Metrics
BasicAdvanced
$547M
2.94
$2.16
0.76
$0.37
6.32%
Price and volume
Market cap
$547M
Beta
0.76
52-week high
$8.74
52-week low
$4.12
Average daily volume
107K
Dividend rate
$0.37
Financial strength
Current ratio
8.007
Quick ratio
5.752
Long term debt to equity
0.388
Total debt to equity
0.388
Dividend payout ratio (TTM)
9.10%
Profitability
EBITDA (TTM)
363.51
Gross margin (TTM)
85.38%
Net profit margin (TTM)
22.46%
Operating margin (TTM)
43.35%
Effective tax rate (TTM)
11.45%
Revenue per employee (TTM)
$879,850
Management effectiveness
Return on assets (TTM)
13.36%
Return on equity (TTM)
14.64%
Valuation
Price to earnings (TTM)
2.937
Price to revenue (TTM)
0.655
Price to book
0.06
Price to tangible book (TTM)
0.06
Price to free cash flow (TTM)
3.105
Free cash flow yield (TTM)
32.21%
Free cash flow per share (TTM)
203.86%
Dividend yield (TTM)
5.85%
Forward dividend yield
6.32%
Growth
Revenue change (TTM)
13.14%
Earnings per share change (TTM)
-35.89%
3-year revenue growth (CAGR)
13.58%
10-year revenue growth (CAGR)
30.06%
3-year earnings per share growth (CAGR)
8.39%
10-year earnings per share growth (CAGR)
40.18%
Bulls say / Bears say
Yiren Digital's total revenue reached RMB 1.5 billion in Q3 2024, marking a 13% year-over-year increase, driven by strong demand for small revolving loan products. (Yiren Digital Reports Third Quarter 2024 Financial Results)
The company has made significant investments in AI and technological innovations, enhancing operational efficiency and customer experience, which positions it for sustainable, high-quality growth. (Yiren Digital Reports Third Quarter 2024 Financial Results)
Yiren Digital's consumption and lifestyle business revenue increased by 47.4% year-over-year in Q3 2024, indicating successful expansion and customer engagement in this segment. (Yiren Digital Reports Third Quarter 2024 Financial Results)
The insurance brokerage business experienced a significant revenue decline of 67.7% in Q3 2024 due to regulatory changes affecting life insurance sales. (Yiren Digital Reports Third Quarter 2024 Financial Results)
Sales and marketing expenses increased to RMB 335.6 million in Q3 2024, up from RMB 195.7 million in the same period of 2023, potentially impacting profit margins. (Yiren Digital Reports Third Quarter 2024 Financial Results)
The company's cash and cash equivalents decreased to RMB 3.7 billion in Q3 2024 due to strategic long-term investments, which may affect liquidity. (Yiren Digital Reports Third Quarter 2024 Financial Results)
Data summarised monthly by Lightyear AI. Last updated on 13 Jul 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
No upcoming events
FAQs
What’s the current market cap for Yiren Digital stock?
Yiren Digital (YRD) has a market cap of $547M as of July 25, 2025.
What is the P/E ratio for Yiren Digital stock?
The price to earnings (P/E) ratio for Yiren Digital (YRD) stock is 2.94 as of July 25, 2025.
Does Yiren Digital stock pay dividends?
Yes, the Yiren Digital (YRD) stock pays dividends to shareholders. As of July 25, 2025, the dividend rate is $0.37 and the yield is 6.32%. Yiren Digital has a payout ratio of 9.1% on a trailing twelve-month basis.
When is the next Yiren Digital dividend payment date?
The next Yiren Digital (YRD) dividend payment date is unconfirmed.
What is the beta indicator for Yiren Digital?
Yiren Digital (YRD) has a beta rating of 0.76. 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.