Yiren Digital Ltd. (YRD) is a publicly traded company in the Financial Services — Financial - Credit Services industry listed on NYSE. This overview shows the latest price, key valuation ratios, profitability metrics and financial-health indicators used by fundamental investors.
Yiren Digital Ltd., a subsidiary of Creditease Holdings (Cayman) Limited, operates as a leading online consumer finance marketplace connecting borrowers and investors across the People's Republic of China. Founded in Beijing in 2012 and previously known as Yirendai Ltd. until its name change in September 2019, the company's primary function involves facilitating loans.
Analysis Summary
Yiren Digital Ltd. reported revenue of $5.57B in the most recent fiscal year, growing at a 5-year CAGR of 7.1%.
Trailing-twelve-month margins: gross margin 85.0%, operating margin 24.2%, net margin -13.5%. Free cash flow grew at 20.4% CAGR over 5 years.
At the current price of $0.99, YRD has negative trailing earnings (P/E not meaningful) and an ROE of -7.18%. Market capitalisation stands at $86M.
Balance sheet quality for YRD: current ratio of 6.8, net cash position of $3.30B. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Cash flow quality is strong: free cash flow of $677.9M represents 1720% conversion of reported net income. High conversion (above 90%) suggests earnings translate cleanly into cash; lower conversion may indicate working capital tightness or accounting timing differences.
Price
| Price | $0.99 |
| Market Cap | $86M |
| Exchange | NYSE |
| Country | CN |
Valuation Ratios
| Price / Book | 0.07 |
| EV / EBITDA | -10.17 |
| Dividend Yield | 44.00% |
Profitability
| Return on Equity | -7.18% |
| Return on Invested Capital | 9.59% |
| Return on Assets | -5.51% |
| Gross Margin | 84.97% |
| Operating Margin | 24.24% |
| Net Margin | -13.52% |
Financial Health
| Debt / Equity | 0.00 |
| Current Ratio | 9.00 |
What to look at in Financial Services
Asset managers, brokers, fintech, exchanges. They are not banks — look at AUM, fees and FCF quality.
- 5y revenue growth — Without growth, there is no long-term value creation
- Operating margin — Good asset managers have >30% margins thanks to scalability
- ROE — Quality financial services have a consistent ROE >15%
- FCF / Net Income — Earnings quality — >90% expected in capital-light businesses
- Debt / Equity — Fintech and brokers with high D/E are time bombs in crises
- P/E vs own 5y — Asset managers have stable multiples in well-known ranges
- Dividend yield + buybacks — These businesses return a lot of capital — look at total yield (div + buybacks)
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| YRD | Yiren Digital Ltd. | $88M | 0.07 | -7.2% | |
| V | Visa Inc. | $701.3B | 31.51 | 20.17 | 61.3% |
| 0R2Z.L | Mastercard Incorporated | $512.9B | 31.18 | 89.26 | 232.5% |
| MA | Mastercard Incorporated | $496.2B | 30.99 | 88.70 | 232.5% |
| AXP | American Express Company | $210.3B | 18.87 | 6.16 | 34.1% |
| COF | Capital One Financial Corporation | $127.8B | 12.62 | 1.11 | 9.3% |
| 0HT4.L | Capital One Financial Corporation | $125.4B | 56.38 | 1.08 | 2.2% |
| 0R3C.L | American Express Company | $112.9B | 18.89 | 6.16 | 34.1% |
Price Performance
| 1 month | -15.38% |
| 3 months | -13.91% |
| Year-to-date | -73.24% |
| 1 year | -83.61% |
| 3 years | -61.33% |
52-Week Range
| 52-week High | $6.79 |
| 52-week Low | $0.82 |
| Avg Volume (90d) | 765K |
Dividend History
| Date | Amount | Yield |
|---|---|---|
| 2025-09-30 | $0.2200 | 88.89% |
| 2025-04-30 | $0.2200 | 88.89% |
| 2024-09-30 | $0.2000 | 80.81% |
| 2018-04-27 | $0.2800 | 113.13% |
| 2017-09-28 | $1.5000 | 606.06% |
Related companies: ANTA · FOA · JRVR · LPRO · MFIN · OPRT · PMTS
Explore sector: Financial Services · Financial - Credit Services
More sections of YRD: Financials · Valuation · Statistics · Estimates · Technical · Ownership · News · Events
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