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. The firm's recent swing to a $870 million net loss in 2025Q4, coupled with aggressiv...
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Trailing total returns as of 9/24/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).
Check whether operating performance supports the current valuation.
Recent results and news deserve attention only when they alter the forward view.
| Quarter | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|
Q3 2026Latest Jun 25, 2026 | -$0.82-315.7% vs $0.38 | $135M-43.3% vs $238M |
Q2 2026 Mar 19, 2026 | -$1.44 vs — | $135M vs — |
Q4 2025 Nov 25, 2025 | $0.51 vs — | $218M vs — |
Q3 2025 Aug 21, 2025 | $0.57 vs — | $234M vs — |
Regional Management (NYSE: RM - Get Free Report) and Yirendai (NYSE: YRD - Get Free Report) are both small-cap finance companies, but which is the better stock? We will compare the two businesses based on the strength of their valuation, risk, institutional ownership, analyst recommendations, earnings, profitability and dividends. Analyst Recommendations This is a breakdown of current
Shared enterprise AI operating model accelerates deployment, strengthens operating leverage and supports scalable expansion across businesses BEIJING, Aug. 18, 2026 /PRNewswire/ -- Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital" or the "Company"), a leading company specializing in financial technology and artificial intelligence innovation across multiple industries in China and global markets, today announced continued progress in upgrading AI capabilities across core enterprise functions, establishing a shared operating model that enables AI capabilities developed within one business to be rapidly deployed across additional functions.
Hawkeye and DiTing helped prevent RMB165M (approximately US$23M) in fraud losses in 2025, reinforcing Yiren Digital's credit-risk discipline BEIJING, Aug. 12, 2026 /PRNewswire/ -- Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital" or the "Company"), a leading company specializing in financial technology and artificial intelligence innovation across multiple industries in China and global markets, today announced that its AI-powered fraud detection systems intercepted 10,300 fraudulent borrowers across 14,500 cases in 2025, helping avoid RMB165 million (US$23 million) in fraud-related losses and demonstrating how enterprise AI can strengthen credit-risk management through AI-led fraud detection and intelligent decision-making.
AI-enabled customer operations achieve a 98.7% answer rate, nearly 80% autonomous problem resolution and approximately 1,500 hours of daily speech-to-text processing BEIJING, Aug. 4, 2026 /PRNewswire/ -- Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital" or the "Company"), a leading company specializing in financial technology and artificial intelligence innovation across multiple industries in China and global markets, today announced the continued expansion of AI deployment across customer operations, including intelligent customer service, outbound communications, quality controls and workflow automation.
Benchmark YRD against direct peers instead of judging its metrics in isolation.
Key metrics vs top competitors for Yiren Digital Ltd. (YRD)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $1.00 | $86.93M | 7.46 | -4.03% | 0.71% | 0.42% | 46.55% | |
| $7.61 | $990.71M | 0.60 | 8.83% | 22.28% | 15.26% | — | |
| $3.19 | $792.39M | 2.29 | 1.03% | 18.75% | 6.05% | — | |
| $0.72 | $122.08M | 0.53 | -11.61% | 8.07% | 8.64% | — | |
| $1.55 | $80.55M | 2.50 | -85.08% | 15.7% | 19.27% | — | |
| $117.02 | $74.71B | 15.05 | 6.96% | 27.89% | 19.48% | — |
Yiren Digital Ltd. (YRD) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
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Yiren Digital Ltd. (YRD) stock FAQ — growth, dividends, profitability & financials explained
Yiren Digital Ltd. (YRD) saw revenue decline by 4.0% over the past year.
Yiren Digital Ltd. (YRD) reported a net loss of $688.3M for fiscal year 2025.
Yes, Yiren Digital Ltd. (YRD) pays a dividend with a yield of 46.55%. This makes it attractive for income-focused investors.
Yiren Digital Ltd. (YRD) has a return on equity (ROE) of 0.4%. This is below average, suggesting room for improvement.
Yiren Digital Ltd. (YRD) has a net interest margin (NIM) of 0.6%. NIM has been under pressure due to interest rate environment.
Yiren Digital Ltd. (YRD) has an efficiency ratio of 47.3%. This is excellent, indicating strong cost control.
