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Yiren Digital Ltd.

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
$167.35M
P/E (TTM)
0.9
33.5
Dividend Yield
10.9%
52W High
$8.74
52W Low
$3.64
52W Range
4%
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

$1.02-10.10%
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)

Finance of America Companies Inc.FOA
$1.24B
-35.3%
Yiren Digital Ltd.YRD
$864.82M
+10.8%
Atlanticus Holdings CorporationATLC
$792.30M
-25.0%

Gross Margin (Latest Quarter)

Yiren Digital Ltd.YRD
90.4%
+4.3pp
Horizon Technology Finance CorporationHRZN
81.0%
-5.2pp
Open Lending CorporationLPRO
78.0%
+4.1pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
ATLC$863.22M7.321.7%85.6%
CZFS$315.01M9.210.9%9.1%
NECB$312.01M7.013.2%8.5%

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

Research & Insights

Next earnings:Mar 18, 2026
|
EPS:-
|
Revenue:-
Reports
All Years

  • Form 20-F - FY 2024

    Period End: Dec 31, 2024|Filed: Apr 28, 2025|
    Revenue: $806.90M+18.6%
    |
    EPS: $5.08-22.4%
    N/A

  • Form 20-F - FY 2023

    Period End: Dec 31, 2023|Filed: May 15, 2024|
    Revenue: $691.36M+42.5%
    |
    EPS: $6.65+72.1%
    Beat

  • Form 20-F - FY 2022

    Period End: Dec 31, 2022|Filed: Apr 28, 2023|
    Revenue: $510.22M-23.3%
    |
    EPS: $4.06+11.9%
    Beat

  • Form 20-F - FY 2021

    Period End: Dec 31, 2021|Filed: Sep 21, 2022|
    Revenue: $694.25M+13.0%
    |
    EPS: $3.79+259.1%
    Beat

  • Form 20-F - FY 2020

    Period End: Dec 31, 2020|Filed: Apr 29, 2021|
    Revenue: $574.26M-54.0%
    |
    EPS: $-2.23-161.5%
    Miss