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YRDYiren Digital Ltd.
$0.37$32M
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
Live BreakoutsStock ScreenerOwnership
YRD logo

Yiren Digital Ltd.

YRD
NYSE · Consumer Finance
$0.37
At close - Nov 6, 4:00 PM EST - USD
Market Cap$32M
P/E-0.1x
52W High$5.60
Volume36.36K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2025Q4

Operational Volatility Masks Severe Capital Erosion Risks

Yiren Digital faces a precarious outlook as its transition to a fee-heavy model, which now accounts for 98.5% of revenue, fails to offset escalating credit provisioning costs.

GrowthContracting
ProfitabilityNegative
ValuationAttractive
TechnicalsWeak
Explore valuation models
MARKET ACTION

YRD price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

5/12 Beats

EPS beat 5 of last 12 quarters

02

Valuation risk

-101% Peers

P/E is 101% below peer median

03

Market leadership

RS 3 · Lag

Laggard (Underperforming 97% of market)

04

Weak Trend

Below 200DMA

Price < 200DMA

Next CatalystConfirmed earnings · Nov 25

Market performance

Price History →

Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
YRD-90.31%
S&P 500 (^GSPC)+7.63%
1-Year Return
YRD-92.95%
S&P 500 (^GSPC)+9.69%
3-Year Return
YRD-56.23%
S&P 500 (^GSPC)+69.68%
5-Year Return
YRD-68.50%
S&P 500 (^GSPC)+57.77%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y Low
-0.1x
Forward P/E
0.0x
EV/EBITDA
-7.0x
FCF YieldCash Flow
N/A

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
-0.1x
0.2x
0th· Low
EV/EBITDA
-7.0x
N/A
N/A
Price/FCF
N/A
0.3x
N/A
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
No DCF Model AvailableIntrinsic value modeling is not supported for this equity.

Growth & profitability

Annual revenue & EPS trend
Revenue FY25
$5.57B-4.0% YoY
Net income FY25
$39M-97.5% YoY
Free cash flow FY25
$678M-52.1% YoY
Operating margin FY25
38.5%+10.1 pts YoY
ROIC (FY25)17%
Avg ROIC 5Y18.6%
ROE (TTM)-16.9%
Piotroski Score6 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate5/12 (71%)
Revenue Beat Rate3/12 (38%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q4 2026Latest
Sep 30, 2026
-$0.75-297.3%
vs $0.38
$133M-44.0%
vs $238M
Q3 2026
Jun 25, 2026
-$0.82-315.7%
vs $0.38
$133M-44.0%
vs $238M
Q2 2026
Mar 19, 2026
-$1.44
vs —
$25M
vs —
Q4 2025
Nov 25, 2025
$0.51
vs —
$25M
vs —
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

4 Stories
PRNewsWire·1d ago
What Does Yiren Digital Ltd.'s 44.05% Stock Drop Mean for Investors?

Suit alleges Yiren Digital Ltd. failed to disclose key facts to investors from April 29, 2026 through October 13, 2026; lead plaintiff deadline is December 28, 2026 BENSALEM TOWNSHIP, Pa.

Newsfile Corp·2d ago
Kaplan Fox Reminds Yiren Digital Ltd. (YRD) Investors with Significant Losses to Seek a Leadership Role Before Deadline on December 28, 2026

New York, New York--(Newsfile Corp. - November 5, 2026) - Kaplan Fox & Kilsheimer LLP announces that a class action lawsuit has been filed against Yiren Digital Ltd. ("Yiren" or the "Company") (NYSE: YRD) on behalf of investors that purchased or otherwise acquired Yiren securities between April 29, 2026 and October 13, 2026 (the "Class Period").

PRNewsWire·2d ago
What Should Yiren Digital Ltd. Investors Know After 44.05% Stock Drop?

Lawsuit alleges Yiren Digital Ltd. made misleading statements to investors from April 29, 2026 to October 13, 2026; lead plaintiff motions are due December 28, 2026 LOS ANGELES, Nov. 5, 2026 /PRNewswire/ -- The Law Offices of Frank R.

Newsfile Corp·3d ago
Kaplan Fox Encourages Yiren Digital Ltd. (YRD) Investors with Significant Losses to Contact the Firm Before December 28, 2026

New York, New York--(Newsfile Corp. - November 4, 2026) - Kaplan Fox & Kilsheimer LLP announces that a class action lawsuit has been filed against Yiren Digital Ltd. ("Yiren" or the "Company") (NYSE: YRD) on behalf of investors that purchased or otherwise acquired Yiren securities between April 29, 2026 and October 13, 2026 (the "Class Period").

Filtered for Yiren Digital Ltd.More Headlines
04

Compare before deciding

Benchmark YRD against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Yiren Digital Ltd. (YRD)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
YRD logoYRDYiren Digital Ltd.Current
$0.37$32.25M-0.14-4.03%-34.67%-16.93%100%
QFIN logoQFINQfin Holdings, Inc.
$5.58$726.43M1.42-6.31%23.45%15.33%27.23%
FINV logoFINVFinVolution Group
$2.94$730.29M2.591.03%14.53%4.49%9.76%
LX logoLXLexinFintech Holdings Ltd.
$0.66$111.49M0.71-11.61%8.07%8.64%48.98%
JFIN logoJFINJiayin Group Inc.
$1.43$74.31M2.16-85.08%5.72%5.34%22.07%
NTES logoNTESNetEase, Inc.
$129.45$82.64B17.126.96%27.89%19.48%2.41%

Compare YRD vs Peers

Yiren Digital Ltd. (YRD) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs QFIN

Most directly comparable listed peer for YRD.

Scale Benchmark

vs BABA

Larger-name benchmark to compare YRD against a more recognizable public peer.

Peer Set

Compare Top 5

vs QFIN, FINV, LX, JFIN

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YRD Frequently Asked Questions

Yiren Digital Ltd. (YRD) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Yiren Digital Ltd. growing?

Yiren Digital Ltd. (YRD) revenue fell by 30.1% over the trailing twelve months, compared with the twelve months before.

Is YRD profitable?

No. Yiren Digital Ltd. (YRD) reported a net loss of $1.49B over the trailing twelve months.

Dividend & Returns
Does YRD pay dividends?

Yes. Yiren Digital Ltd. (YRD) pays a dividend that yields 100.00% at the current price, a high yield.

What is YRD's return on equity?

Yiren Digital Ltd. (YRD) had a return on equity (ROE) of -16.9% over the trailing twelve months. A negative ROE means the company lost money over the period.

Industry Metrics
What is Yiren Digital Ltd.'s net interest margin?

Yiren Digital Ltd. (YRD) has a net interest margin (NIM) of 0.6%. NIM has been under pressure due to interest rate environment.

What is Yiren Digital Ltd.'s efficiency ratio?

Yiren Digital Ltd. (YRD) has an efficiency ratio of 47.3%. This is excellent, indicating strong cost control.

What if you invested $1,000 in YRD back in 2013?

Total return calculator · dividends reinvested · 13+ years of data

See returns →