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YRD
Yiren Digital Ltd.
$0.65
0.19
(42.77%)
| Exchange: | NYSE |
| Market Cap: | 56.473M |
| Shares Outstanding: | 58.5M |
Delayed data
About The Company
| Sector: | Financial ServicesView sector performance | |||||
| Industry: | Financial – Credit ServicesView industry performance | |||||
| CEO: | Ning Tang | |||||
| Full Time Employees: | 981 | |||||
| Address: |
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| Website: | https://www.yiren.com |
Yiren Digital Ltd., a subsidiary of Creditease Holdings (Cayman) Limited, operates as a leading online consumer finance marketplace connecting borrowers and investors across the People’s Republic of China. Founded in Beijing in 2012 and previously known as Yirendai Ltd. until its name change in September 2019, the company’s primary function involves facilitating loans. This includes not only the initial matching service but also comprehensive post-origination support, such as cash processing, debt collection, and communication management. Its diverse portfolio of loan products encompasses unsecured consumer credit, various secured consumer loans (including those collateralized by financial leases, automobiles, and real estate), and financing solutions tailored for small businesses. Beyond its lending activities, Yiren Digital also makes available a selection of financial investment products, such as short-term cash management tools, mutual funds, insurance policies, and securities. To further support its clientele, the company provides extensive online investor education services, covering a broad spectrum of investment and trading topics. It also offers specialized training programs focusing on wealth planning, market analysis, and strategic investment approaches. Additionally, Yiren Digital furnishes IT consultancy and support, referral services, system maintenance, and dedicated customer assistance. The firm also extends its operations into financial lease services and insurance brokerage. Customers can access Yiren Digital’s offerings through its dedicated website, www.yxpuhui.com, alongside a specialized wealth management portal and a proprietary mobile application. As of December 31, 2020, the company showcased an impressive range of products, featuring 60 fixed income options, 810 mutual fund offerings, and 296 distinct insurance products.
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Revenue Segmentation
YRD full analysis
Welcome back to MarketSnap. Today we're looking at Yiren Digital — a Chinese consumer-finance platform, formerly Yirendai, listed on the New York Stock Exchange since 2015. The stock is at sixty-three cents. It's down 44% in a week, 48% in a month, and 91% in a year. Market cap: about forty-six million dollars. Stockholders' equity on the last balance sheet: RMB9.3 billion. Negative enterprise value of roughly negative 1.2 billion dollars. Think about that. The market is saying the entire…
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 4,895,633 | 5,805,901 | 5,572,209.105 |
| Gross Profit | 3,919,461 | 4,922,944 | 4,782,053.710 |
| EBITDA | 2,620,223 | 1,675,351 | -26,315.142 |
| Operating Income | 2,594,782 | 1,647,064 | 2,145,329.805 |
| Net Income | 2,080,197 | 1,582,299 | 39,421.873 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 10,276,916 | 12,982,696 | 13,463,523.006 |
| Total Liabilities | 2,191,367 | 3,440,266 | 4,186,574.278 |
| Total Stockholders Equity | 8,085,549 | 9,542,430 | 9,277,175.869 |
| Total Debt | 23,648 | 40,765 | 39,783.313 |
| Cash and Cash Equivalents | 5,791,333 | 3,841,284 | 3,873,298.910 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 2,171,013 | 1,424,082 | 703,623 |
| Capital Expenditure | -4,444 | -9,189 | -25,744 |
| Free Cash Flow | 2,166,569 | 1,414,893 | 677,879 |
| Net Income | 2,080,197 | 1,582,299 | 54,530 |
| Net Change in Cash | 1,697,909 | -1,957,047 | -230,723 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2032 | Research Access | Research Access | Research Access | Research Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 3,837,665.553 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (High) | 3,837,665.553 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (Avg) | 3,837,665.553 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Low) | 392,575.808 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (High) | 392,575.808 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Avg) | 392,575.808 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Low) | 249,636.652 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (High) | 249,636.652 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Avg) | 249,636.652 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Low) | 1,079,818.877 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (High) | 1,079,818.877 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Avg) | 1,079,818.877 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Avg) | 2.860 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (High) | 2.860 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Low) | 2.860 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated Revenue) | 1 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated EPS) | 1 | Research Access | Research Access | Research Access | Research Access |
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Current Key Metrics
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Login — it's freeSWOT Analysis
Strengths (preview)
- Robust AI-Driven Risk and Operational Infrastructure: YRD's AI-enabled fraud detection framework (Hawkeye and DiTing) intercepted 10,300 fraudulent borrowers across 14,500 cases in 2025, preventing RMB165 million (~US$23 million) in potential fraud losses. AI agents across customer operations achieved a 98.7% answer rate, nearly 80% autonomous problem resolution, and approximately 1,500 hours of daily speech-to-text processing, demonstrating scalable operational leverage.
- Strong Balance Sheet with Net Cash Position: As of FY2025, cash and cash equivalents stood at RMB3.87 billion against total liabilities of RMB4.19 billion, with total stockholders' equity of RMB9.28 billion. Enterprise value is negative at -US$1.17 billion, indicating the market capitalization is fully covered by net cash and investments. Debt-to-equity ratio is negligible at 0.00485, reflecting minimal financial leverage.
- Consistent Operating Cash Flow Generation: Despite net income compression, operating cash flow has remained positive and substantial: RMB704 million in 2025, RMB1.42 billion in 2024, and RMB2.17 billion in 2023. Free cash flow of RMB678 million in 2025 demonstrates the business continues to convert earnings into cash, even as profitability declines.
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Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MarketSnap estimates YRD intrinsic value between $12.50 – $18.88 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about YRD valuation
Is Yiren Digital Ltd. (YRD) overvalued or undervalued right now?
MarketSnap estimates intrinsic value for Yiren Digital Ltd. (YRD) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is YRD a buy, hold, or sell for long-term investors?
MarketSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether YRD trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is YRD’s P/E ratio?
You can see YRD’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for YRD?
MarketSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MarketSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is YRD a good long-term investment?
Whether YRD fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MarketSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
YRD
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Daily snapshot
42.77
Trading Metrics:
| Open: | 0.74 | Previous Close: | 0.46 | |
| Day Low: | 0.57 | Day High: | 0.75 | |
| Year Low: | 0.36 | Year High: | 6.14 | |
| Price Avg 50: | 1.03 | Price Avg 200: | 2.07 | |
| Volume: | 129.874M | Average Volume: | 765720 |
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