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Financial Services - Financial - Credit Services - NYSE - CN
$ 5.89
-3.28 %
$ 254 M
Market Cap
2.74
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one YRD stock under the worst case scenario is HIDDEN Compared to the current market price of 5.89 USD, Yiren Digital Ltd. is HIDDEN

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one YRD stock under the base case scenario is HIDDEN Compared to the current market price of 5.89 USD, Yiren Digital Ltd. is HIDDEN

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one YRD stock under the best case scenario is HIDDEN Compared to the current market price of 5.89 USD, Yiren Digital Ltd. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart YRD

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$8.5$8.5$8.0$8.0$7.5$7.5$7.0$7.0$6.5$6.5$6.0$6.0$5.5$5.5$5.0$5.0$4.5$4.5$4.0$4.020252025Feb '25Feb '25Mar '25Mar '25Apr '25Apr '25May '25May '25Jun '25Jun '25
FINANCIALS
5.81 B REVENUE
18.59%
1.65 B OPERATING INCOME
-36.52%
1.58 B NET INCOME
-23.94%
1.42 B OPERATING CASH FLOW
-34.40%
-3.11 B INVESTING CASH FLOW
-3111.71%
-277 M FINANCING CASH FLOW
51.30%
1.45 B REVENUE
-1.82%
296 M OPERATING INCOME
-12.82%
355 M NET INCOME
-13.21%
0 OPERATING CASH FLOW
0.00%
0 INVESTING CASH FLOW
100.00%
0 FINANCING CASH FLOW
100.00%
Balance Sheet Yiren Digital Ltd.
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Current Assets 11.7 B
Cash & Short-Term Investments 4.27 B
Receivables 4.92 B
Other Current Assets 2.55 B
Non-Current Assets 1.24 B
Long-Term Investments 15.8 M
PP&E 84.6 M
Other Non-Current Assets 1.14 B
32.90 %37.88 %19.65 %8.79 %Total Assets$13.0b
Current Liabilities 2.09 B
Accounts Payable 43.2 M
Short-Term Debt 0
Other Current Liabilities 2.05 B
Non-Current Liabilities 1.35 B
Long-Term Debt 40.8 M
Other Non-Current Liabilities 1.3 B
59.63 %37.93 %Total Liabilities$3.4b
EFFICIENCY
Earnings Waterfall Yiren Digital Ltd.
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Revenue 5.81 B
Cost Of Revenue 883 M
Gross Profit 4.92 B
Operating Expenses 3.28 B
Operating Income 1.65 B
Other Expenses 64.8 M
Net Income 1.58 B
6b6b5b5b4b4b3b3b2b2b1b1b006b(883m)5b(3b)2b(65m)2bRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
84.79% GROSS MARGIN
84.79%
28.37% OPERATING MARGIN
28.37%
27.25% NET MARGIN
27.25%
16.58% ROE
16.58%
12.19% ROA
12.19%
12.86% ROIC
12.86%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Yiren Digital Ltd.
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3b3b2b2b1b1b00(1b)(1b)(2b)(2b)(3b)(3b)(4b)(4b)(5b)(5b)20162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 1.58 B
Depreciation & Amortization 28.3 M
Capital Expenditures -9.19 M
Stock-Based Compensation 16.9 M
Change in Working Capital -1.49 B
Others 758 M
Free Cash Flow 1.41 B
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Yiren Digital Ltd.
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YRD has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
3.54% DIVIDEND YIELD
0.22 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.801.801.601.601.401.401.201.201.001.000.800.800.600.600.400.400.200.200.000.000.280.221.481.760.170.390.000.0020172017201820182024202420252025
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5. COMPETITION
slide 2 of 11
6. Ownership
Insider Ownership Yiren Digital Ltd.
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Sold
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3-6 MONTHS
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6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
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3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Yiren Digital to Report First Quarter 2025 Financial Results on June 12, 2025 BEIJING , June 5, 2025 /PRNewswire/ -- Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital"), an AI-powered platform providing a comprehensive suite of financial and lifestyle services in Asia, announced that it plans to release its unaudited financial results for the first quarter ended March 31, 2025 before U.S. market opens on Thursday, June 12 , 2025. prnewswire.com - 2 weeks ago
Yiren Digital to Present at the dbVIC - Deutsche Bank ADR Virtual Investor Conference May 15th Company invites individual and institutional investors, as well as advisors and analysts, to attend online at VirtualInvestorConferences.com Company invites individual and institutional investors, as well as advisors and analysts, to attend online at VirtualInvestorConferences.com globenewswire.com - 1 month ago
Yiren Digital Files 2024 Annual Report on Form 20-F BEIJING , April 28, 2025 /PRNewswire/ -- Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital" or the "Company"), an AI-powered platform providing a comprehensive suite of financial and lifestyle services in China, today announced that it has filed its annual report on Form 20-F for the fiscal year ended December 31, 2024 with the U.S. Securities and Exchange Commission on April 28, 2025. prnewswire.com - 1 month ago
Yiren Digital: Selloff Presents An Opportunity YRD has sold off in recent weeks for several reasons after reaching a new high in March, but it also means getting in on YRD is more affordable. The charts suggest the stock bounced after coming into contact with support, which strengthens the case for long YRD. A possible rebound in the stock would match up well with the low valuations for YRD, on top of other attributes investors are usually interested in. seekingalpha.com - 2 months ago
Yiren Digital's "Zhiyu Large Model" Gains Regulatory Approval for Commercial Use, Marking New Milestone in AI Innovation BEIJING , April 11, 2025 /PRNewswire/ -- Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital"), an AI-powered platform providing a comprehensive suite of financial and lifestyle services in China, today announced that its proprietary "Zhiyu Large Model" (智语大模型) has received regulatory approval for commercialization through the successful filing under Interim Measures for the Management of Generative Artificial Intelligence Services. prnewswire.com - 2 months ago
Yiren Digital Partners with klikUMKM to Deliver AI-Driven Financial Solutions Across Indonesia BEIJING , March 27, 2025 /PRNewswire/ -- Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital"), an AI-powered platform providing a comprehensive suite of financial and lifestyle services in China, today announced the formation of a strategic joint venture (the "JV") with PT. prnewswire.com - 2 months ago
Yiren Digital Ltd. (YRD) Q4 2024 Earnings Call Transcript Yiren Digital Ltd. (NYSE:YRD ) Q4 2024 Earnings Conference Call March 20, 2025 8:00 AM ET Company Participants Ning Tang - Founder, Chairman, Chief Executive Officer Yuning Feng - Chief Financial Officer Keyao He - Investor Relations Conference Call Participants Operator Good day, and welcome to the Yiren Digital Fourth Quarter and Fiscal Year 2024 Earnings Conference Call. seekingalpha.com - 3 months ago
Yiren Digital Reports Fourth Quarter and Fiscal Year 2024 Financial Results BEIJING , March 20, 2025 /PRNewswire/ -- Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital" or the "Company"), an AI-powered platform providing a comprehensive suite of financial and lifestyle services in China, today announced its unaudited financial results for the quarter ended December 31, 2024. prnewswire.com - 3 months ago
Yiren Digital to Report Fourth Quarter and Full Year 2024 Financial Results on March 20, 2025 BEIJING , March 13, 2025 /PRNewswire/ -- Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital"), an AI-powered platform providing a comprehensive suite of financial and lifestyle services in China, announced that it plans to release its unaudited financial results for the fourth quarter and full year ended December 31, 2024 before U.S. market opens on Thursday, March 20, 2025. prnewswire.com - 3 months ago
Yiren Digital Integrates DeepSeek to Boost Innovation and Operational Excellence BEIJING , Feb. 18, 2025 /PRNewswire/ -- Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital" or the "Company"), an AI-powered platform providing a comprehensive suite of financial and lifestyle services in China, has officially integrated with DeepSeek, marking a significant milestone in its technological transformation and reaffirming its commitment to pioneering AI-driven innovation. prnewswire.com - 4 months ago
Yiren Digital Recognized for Outstanding ESG Performance, ranked in Top 17% in S&P Global CSA BEIJING , Jan. 24, 2025 /PRNewswire/ -- Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital" or the "Company"), an AI-powered platform providing a comprehensive suite of financial and lifestyle services in China, was recognized for its outstanding Environmental, Social, and Governance (ESG) performance in the 2024 S&P Global Corporate Sustainability Assessment (CSA). prnewswire.com - 4 months ago
Yiren Digital Earns Its Place in China's Artificial Intelligence Industry Alliance BEIJING , Jan. 16, 2025 /PRNewswire/ -- Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital" or the "Company"), an AI-powered platform providing a comprehensive suite of financial and lifestyle services in China, has earned its place in the China's Artificial Intelligence Industry Alliance (AIIA). prnewswire.com - 5 months ago
8. Profile Summary

Yiren Digital Ltd. YRD

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COUNTRY CN
INDUSTRY Financial - Credit Services
MARKET CAP $ 254 M
Dividend Yield 3.54%
Description Yiren Digital Ltd., through its subsidiaries, operates as an online consumer finance marketplace that connects borrowers and investors in the People's Republic of China. It provides loan facilitation services; and post-origination services, such as cash processing, collection, and SMS services. The company's loan products portfolio includes unsecured consumer loans; secured consumer loan, which include secured financial leasing, auto-secured, and property-secured loans; and small business loans. It also distributes short-term cash management, mutual fund investment, insurance, and securities and stock products. In addition, the company provides online investor education services, which include a range of investment and trading topics, and various types of training programs on wealth planning, market insights, and investment strategies; consultancy information technology support; referral; and IT, system maintenance, and customer support services. Further, it is involved in the provision of services for financing lease and insurance brokerage businesses. The company offers its products through www.yxpuhui.com, and a wealth management website and mobile application. As of December 31, 2020, it had 60 fixed income products, 810 mutual fund products, and 296 insurance products. The company was formerly known as Yirendai Ltd. and changed its name to Yiren Digital Ltd. in September 2019. Yiren Digital Ltd. was founded in 2012 and is based in Beijing, the People's Republic of China. Yiren Digital Ltd. is a subsidiary of Creditease Holdings (Cayman) Limited.
Contact Building 9, Beijing, 100022 https://www.yirendai.com
IPO Date Dec. 18, 2015
Employees 949
Officers Ms. Keyao He Director of Investor Relations Ms. Mei Zhao Chief Executive Officer of Yiren Credit Mr. Yuning Feng Chief Financial Officer Ms. Lydia Yu Investor Relations Officer Ms. Bin Yang Chief Human Resources Officer Mr. Ning Tang Executive Chairman & Chief Executive Officer