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
Employees
949
Headquarters
Website
Yiren Digital Metrics
BasicAdvanced
$472M
2.62
$2.09
0.82
$0.40
7.33%
Price and volume
Market cap
$472M
Beta
0.82
52-week high
$8.74
52-week low
$4.41
Average daily volume
77K
Dividend rate
$0.40
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)
369.543
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)
$908,710
Management effectiveness
Return on assets (TTM)
12.47%
Return on equity (TTM)
13.64%
Valuation
Price to earnings (TTM)
2.618
Price to revenue (TTM)
0.548
Price to book
0.05
Price to tangible book (TTM)
0.05
Price to free cash flow (TTM)
2.577
Free cash flow yield (TTM)
38.80%
Free cash flow per share (TTM)
2.119
Dividend yield (TTM)
7.33%
Forward dividend yield
7.33%
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
Total revenue for Q1 2025 rose 13% year-over-year to RMB 1.55 billion, driven by a robust 59% jump in financial services revenue and strong core lending demand. (Investing.com)
Regulatory approval for the proprietary 'Zhiyu Large Model' paves the way for commercial AI fintech use and delivered RMB 44 million in cost savings in 2024. (RTTNews)
International expansion is accelerating: operations in the Philippines achieved profitability within 14 months, and a joint venture in Indonesia is set for Q3 2025, broadening growth beyond China. (Investing.com)
Net income plunged 49% year-over-year in Q1 2025 to RMB 247.5 million, as higher provisions under the risk-taking model and falling segment sales raise doubts about margin sustainability. (Investing.com)
A strategic move to a broader risk-taking model triggered a 510% increase in provisions for contingent liabilities in Q1 2025, significantly hurting profitability despite revenue gains. (Panabee)
Regulatory tightening led to a 27% drop in Q1 2025 gross written premiums in the insurance brokerage segment, exposing weakness in non-lending business lines. (PRNewswire)
Data summarised monthly by Lightyear AI. Last updated on 7 Nov 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 $472M as of November 13, 2025.
What is the P/E ratio for Yiren Digital stock?
The price to earnings (P/E) ratio for Yiren Digital (YRD) stock is 2.62 as of November 13, 2025.
Does Yiren Digital stock pay dividends?
Yes, the Yiren Digital (YRD) stock pays dividends to shareholders. As of November 13, 2025, the dividend rate is $0.4 and the yield is 7.33%. 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 date is unconfirmed.
What is the beta indicator for Yiren Digital?
Yiren Digital (YRD) has a beta rating of 0.82. 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.