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

NON_CLASSIFIED

Primary listing

NYSE

Industry

Consumer Finance
Headquarters

Employees

949

Yiren Digital Metrics

BasicAdvanced
$547M
2.94
$2.16
0.76
$0.37
6.32%

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
QuarterlyAnnual
Q3 24
QoQ growth
Revenue
$37B
-39.75%
Net income
$45B
107.52%
Profit margin
37.65%
6.78%

Yiren Digital Earnings Performance

Company profitability
QuarterlyAnnual
Q4 23
Q1 24
Q2 24
Q3 24
Q4 24
Actual
$3.69
$2.85
$2.45
$2.42
-
Expected
$3.55
$2.61
$2.05
$2.31
$3.94
Surprise
3.94%
9.20%
19.51%
4.63%
-
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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