Yiren Digital/$YRD
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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
Industry
Consumer Finance
Headquarters
Employees
949
ISIN
US98585L1008
Website
Yiren Digital Metrics
BasicAdvanced
$521M
2.80
$2.15
0.76
$0.37
6.63%
Price and volume
Market cap
$521M
Beta
0.76
52-week high
$8.74
52-week low
$4.12
Average daily volume
127K
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)
363.25
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)
$879,220
Management effectiveness
Return on assets (TTM)
13.36%
Return on equity (TTM)
14.64%
Valuation
Price to earnings (TTM)
2.799
Price to revenue (TTM)
0.624
Price to book
0.05
Price to tangible book (TTM)
0.05
Price to free cash flow (TTM)
2.96
Free cash flow yield (TTM)
33.78%
Free cash flow per share (TTM)
203.71%
Dividend yield (TTM)
6.14%
Forward dividend yield
6.63%
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 financial services segment experienced a 72% year-over-year increase in total loan volume in Q4 2023, reaching RMB 11.6 billion, marking the fourth consecutive quarter of double-digit growth. (Insider Monkey)
The company has demonstrated strong financial health, with a net profit margin of approximately 42.5% in 2023 and a robust return on equity of around 25.7%, indicating efficient operational management. (TipRanks)
Yiren Digital's strategic investments in artificial intelligence and international expansion, particularly in the Philippines and Mexico, have shown promising progress, positioning the company for future growth. (The Outpost)
Yiren Digital faced a notable 77% year-over-year decline in its insurance segment revenue, totaling RMB 91.5 million, which could impact overall profitability. (The Outpost)
The company's stock price experienced a 3.5% decline on October 14, 2024, trading as low as $6.17, reflecting potential investor concerns. (MarketBeat)
Yiren Digital was downgraded from a 'strong-buy' rating to a 'buy' rating by StockNews.com on October 7, 2024, indicating a less bullish outlook from analysts. (MarketBeat)
Data summarised monthly by Lightyear AI. Last updated on 11 Jun 2025.
Yiren Digital Financial Performance
Revenues and expenses
Yiren Digital Earnings Performance
Company profitability
Yiren Digital News
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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.
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FAQs
What’s the current market cap for Yiren Digital stock?
Yiren Digital (YRD) has a market cap of $521M as of July 02, 2025.
What is the P/E ratio for Yiren Digital stock?
The price to earnings (P/E) ratio for Yiren Digital (YRD) stock is 2.8 as of July 02, 2025.
Does Yiren Digital stock pay dividends?
Yes, the Yiren Digital (YRD) stock pays dividends to shareholders. As of July 02, 2025, the dividend rate is $0.37 and the yield is 6.63%. 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.