YRD Yiren Digital Ltd.
1.040USD+6.12%Mkt Cap: 90.99M $P/E: —1d ago
Yiren Digital Ltd. provides financial services through an AI-powered Fintech platform in China. Its platform provides a suite of financial and lifestyle services. The company offers credit solutions, insurance brokerage,…
Industry Peers
Credit Services$698.56BUSDP/E 31.6
VISA
Visa Inc.$665.52BUSDP/E 31.6
$499.38BUSDP/E 31.4
MA
Mastercard Incorporated$475.69BUSDP/E 31.2
$205.46BUSDP/E 18.5
AXP
American Express Company$194.05BUSDP/E 18.3
$120.19BUSDP/E 12.6
$47.37BUSDP/E 10.4
PYPL
PayPal Holdings, Inc.$45.10BUSDP/E 10.3
$25.41BUSDP/E 13.6
$23.40BUSDP/E 7.4
$20.23BUSDP/E 32.0
$11.37BUSDP/E 8.8
$9.09BUSDP/E 23.8
$7.00BUSDP/E 13.7
$6.45BUSDP/E 8.4
$5.57BUSDP/E 11.7
$5.02BUSD
$4.58BUSDP/E 13.7
$4.46BUSDP/E 14.9
Key Statistics
Company
Market Cap90.99M USD
Enterprise Value-1.57B USD
Revenue (TTM)4.32B USD
Gross Profit4.93B USD
Net Income (TTM)54.53M USD
Revenue/Share49.45 USD
Last Price1.040 USD
Fiscal Year EndDec 2025
MR QuarterJun 2026
Employees981
CountryUS
SectorFinancial Services
IndustryCredit Services
ISIN—
Valuation
P/E (Trailing)—
P/E (Forward)—
PEG—
EV/EBITDA-1.90
EV/Revenue-0.36
P/S0.02
P/B0.07
EPS (TTM)-2.53
EPS (Forward)—
52W Range
0.82004% of range6.790
52W High6.790 USD
52W Low0.8200 USD
Profitability
Gross Margin86.25%
Oper. Margin-13.28%
EBITDA Margin19.14%
Profit Margin0.95%
ROE0.59%
ROA0.41%
Growth
Revenue Growth-46.10%
Earnings Growth—
Cash Flow & Leverage
Operating CF703.62M USD
CapEx (TTM)25.74M USD
FCF Margin41.60%
FCF Yield1974.26%
Net Debt-1.66B USD
Net Debt/EBITDA-2.01
Balance Sheet
Debt/Equity0.01
Current Ratio19.23
Quick Ratio12.28
Book Value/Sh14.93 USD
Cash/Share19.39 USD
Dividends
Fwd Div Rate0.00 USD
Trail. Div Rate0.00 USD
Div. Yield0.00%
5Y Avg Yield—
Payout Ratio508.36%
Ex-Div DateSep 30, 2025
Pay DateOct 15, 2025
Analyst Consensus
Rating—
Target (Mean)—
Target Range—
# Analysts—
Ownership
Shares Out.87.49M
Float14.46M
Insiders0.00%
Institutions2.53%
Short Interest
Short Ratio2.2d
Short % Float0.73%
Short % Out.0.13%
Shares Short115.33K
Short (prev mo.)112.30K
Technical
SMA 501.069 (-2.7%)
SMA 2002.173 (-52.1%)
Beta—
S&P 52W Chg15.78%
Avg Vol (30d)57.95K
Avg Vol (10d)78.39K
Technical Indicators
RSI (14)54.8
MACD-0.0223
MACD Signal-0.0312
MACD Hist.+0.0089
BB Upper1.041 USD
BB Middle0.9859 USD
BB Lower0.9306 USD
BB Width11.23%
ATR (14)0.0572 USD
Vol Ratio (20d)1.07x