Yiren Digital Ltd.

NYSE•YRD

CEO: Mr. Ning Tang

Sector: Financial Services

Industry: Financial - Credit Services

Listing Date: 2015-12-18

Yiren Digital Ltd. provides financial services through an AI-powered platform in China. Its platform provides a suite of financial and lifestyle services. The company offers financial services, which provides a portfolio of loan products to borrowers; insurance brokerage services; and consumption and lifestyle services, including non-financial products and services to meet various consumer needs. It supports clients at various growth stages, addressing financing needs arising from consumption and production activities, and augmenting the well-being and security of individuals, families, and businesses. 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. operates as a subsidiary of CreditEase Holdings (Cayman) Limited.

Contact Information

China Merchants Bureau Building, 28th Floor 118 Jianguo Road Chaoyang District, Beijing, 100022, China

86-10-5964-4552

www.yiren.com

Market Cap

$309.49M

P/E (TTM)

1.7

28.7

Dividend Yield

11.8%

52W High

$8.74

52W Low

$3.51

52W Range

Rank24Top 10.8%

5.7

F-Score

Modified Piotroski Analysis

Based on 10-year fundamentals

Average • 5.7 / 9 points

Scoring Range (0-9)

8-9: Excellent Value

6-7: Strong Fundamentals

4-5: Average Quality

0-3: Weak Performance

Data Period: 2016-2025

Financial Dashboard

Q3 2025 Data

Revenue

$217.30M+5.13%

4-Quarter Trend

EPS

$0.51-10.10%

4-Quarter Trend

FCF

-$766.35K+0.00%

4-Quarter Trend

2024 Annual Earnings Highlights

Key Highlights

Total Revenue Growth Strong Total net revenue reached RMB 5.81 B in 2024, marking an 18.6% increase from RMB 4.90 B in 2023.

Guarantee Revenue Surges Guarantee services revenue grew 744.0% to RMB 429.3 M in 2024, driven by increasing loan volume under risk-taking model.

Financial Services Leads Revenue Financial services revenue increased 28.3% to RMB 2.52 B in 2023, fueled by strong demand for small revolving loan products.

Risk Factors

Net Income Declines Sharply Net income fell 24.0% to RMB 1.58 B in 2024, impacted by higher operating costs and provisions.

Contingent Liability Provision Spikes Provision for contingent liabilities increased sharply to RMB 869.3 M in 2024, reflecting growing loan volume under risk-taking model.

Cash Reserves Decrease Cash and cash equivalents decreased 33.7% to RMB 3.84 B by year-end 2024, due to equity investments and cooperation deposits.

PRC Regulatory Uncertainty Remains Reliance on VIE structure faces ongoing uncertainty regarding PRC interpretation of foreign investment and data laws.

Outlook

AI Investment Focus Continues Continued investment in proprietary AI, LLMs, and data technologies to enhance risk control and operational efficiency.

Optimize Borrower Quality Strategy Strategy shifts focus to attracting higher-quality borrowers and enhancing risk-based loan pricing capabilities moving forward.

New Semi-Annual Dividend Policy Board approved semi-annual dividend policy, setting payout at no less than 10% of anticipated net income after tax.

Peer Comparison

Revenue (TTM)

FOA

$2.14B

+10.0%

ATLC

$1.97B

+328.3%

YRD

$864.82M

+10.8%

Gross Margin (Latest Quarter)

JRVR

328.6%

-52.1pp

ATLC

107.3%

-3.6pp

SSSS

100.0%

+2471.6pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
ATLC	$740.88M	6.1	20.6%	85.8%
NECB	$315.25M	7.0	13.1%	3.9%
YRD	$309.49M	1.7	12.7%	0.3%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

2.5%

Moderate Growth

4Q Net Income CAGR

-1.2%

Stable Profitability

Cash Flow Stability

50%

Cash Flow Needs Attention

Deep Research

Next earnings:Mar 18, 2026

EPS:-

Revenue:-

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data