YRD

Yiren Digital Ltd.

$0.36

-4.55%

SectorFinancial ServicesIndustryCredit ServicesCountryChina

Overview AI Brief ChartChart & Performance Financials ExposureRevenue Exposure FilingsFilings & Red Flags ScoresScores & Valuation News Analysts InsidersInsiders & Short Interest Ownership

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, and others. The company was formerly known as Yirendai Ltd. and changed its name to Yiren Digital Ltd. in September 2019. The company was founded in 2012 and is based in Beijing, the People's Republic of China. Yiren Digital Ltd. operates as a subsidiary of CreditEase Holdings (Cayman) Limited.

Source: Yahoo Finance

Q-Score21/ 100

Market Cap—

P/E—

Dividend Yield—

52-Week Range—

Next EarningsDec 18Before open

Analysts—

Beta0.95

AI summary

Price & performance

1M-56.3%

3M-62.9%

YTD-89.2%

1Y-92.2%

52-week range—

Beta0.95

Full chart and returns against a benchmark

Q-Score

21/ 100

Quality against peers; 50 is the peer median.

Growth28

Risk25

Performance23

Valuation—

Profitability30

Leverage52

Sentiment—

Every score and metric

News sentiment

Open News

Latest results · FY 2025

Revenue$817.5M+2.8%

Net income$7.8M-96.4%

Net margin1.0%-26.3 pts

Historical fundamentals

Red flags in filings

1active red flag

Material weakness in controlsApr 29, 2026

Filings, findings and the timeline

Revenue exposure

Regions, segments, customers and suppliers

Valuation

YRDIndustryP/E—24.42P/S—10.57EV/EBITDA—27.44P/B—7.09PEG—0.74

Dividend yield—

Every valuation metric

Earnings

Dec 18next report, before the open

EPS estimate—

Beats (last 4 quarters)—

Average surprise—

EPS revisions (30d)—

Every quarter against its estimate

Historical Fundamentals

Revenue

Net Income

Net Margin

P/E

Showing the last 4 periods. Pro adds the full annual and quarterly history and 20+ more metrics to chart.

Latest Results

The latest fiscal year and quarter, each against the same period a year earlier, from SEC filings.

Metric	FY 2025	vs a year before
Revenue	$817.5M	+2.8%
Net Income	$7.8M	-96.4%
Net Margin	1.0%	-26.3 pts

Earnings

The next report, and the record against analysts' estimates.

Next EPS estimate—Reports before the open

Beats (last 4 quarters)—

Average surprise—

EPS revisions (30d)—

Q-Scores

OverallCombines the categories below, except Sentiment

Industry 7321

Growth

Industry 6528

Risk

Industry 7925

Performance

Industry 6223

Profitability

Industry 7430

Leverage

Industry 5252

Key Metrics

Fundamentals: trailing twelve months to Dec 2025, from the latest 10-K and 10-Qs.

Market Beta (5-factor)

IM 1.05SM 0.840.92

Volume

IM 477.9KSM 217.6K2.3M

IM industry median · SM sector median: the typical company the value is compared with. The /100 is its score against those peers.

Comparable Companies

The companies closest in size in Credit Services (filled from its sector when there are few), with the median and rank across all 52 in the industry.

Company	Market cap	P/E	EV/EBITDA	P/S	P/B	FCF yield	Revenue growth	Op. margin	ROE	Debt/equity
YRDYiren Digital Ltd.	—	—	—	—	—	—	2.8%	-103.9%	0.6%	0.0
VVisa Inc.	$789.2B	33.6	26.8	17.2	21.9	2.8%	14.8%	61.2%	65.1%	0.6
MAMastercard Incorporated	$574B	33.8	26.0	15.8	85.0	2.8%	15.3%	58.6%	251.1%	3.5
AXPAmerican Express Company	$216.9B	17.7	—	4.9	6.1	6.4%	8.9%	—	34.2%	1.7
COFCapital One Financial Corporation	$117.8B	10.8	—	11.3	1.1	22.3%	44.7%	—	9.9%	0.5
PYPLPayPal Holdings, Inc.	$48.8B	10.3	6.2	1.4	2.5	12.9%	4.4%	17.0%	24.3%	0.7
SYFSynchrony Financial	$23.3B	7.0	—	—	1.4	41.0%	—	—	20.1%	1.0
AFRMAffirm Holdings, Inc.	$22.4B	11.1	34.7	14.7	3.9	3.7%	26.1%	35.6%	35.0%	1.8
SOFISoFi Technologies, Inc.	$21.2B	28.8	—	34.4	1.9	-49.6%	5.5%	—	6.5%	0.0
Industry median		7.9	7.6	1.4	1.2	20.9%	11.2%	20.1%	14.1%	0.5
YRD percentile		—	—	—	—	—	30th	10th	21st	33rd