Wall Street analyst estimates for Yiren Digital Ltd. (YRD): consensus price target, buy/hold/sell recommendations and forecasts for revenue, EPS and EBITDA for the upcoming fiscal years.
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.
Recent Earnings Surprises
| Date | EPS Actual | EPS Est. | vs Est. |
|---|---|---|---|
| 2026-11-25 | $0.20 | ||
| 2026-08-31 | $0.38 | ||
| 2026-06-25 | $-0.82 | $0.38 | -315.7% |
| 2026-03-19 | $-1.44 | ||
| 2025-11-25 | $0.51 | ||
| 2025-08-21 | $0.57 | ||
| 2025-06-12 | $0.39 | ||
| 2025-03-20 | $0.52 | $0.08 | +569.3% |
Valuation Ratios
| Price / Book | 0.07 |
| EV / EBITDA | -10.17 |
| Dividend Yield | 44.00% |
Income Statement (10y)
| Year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $3.24B | $11.65B | $11.24B | $8.62B | $3.96B | $4.48B | $3.43B | $4.90B | $5.81B | $5.57B |
| Cost of Revenue | $180.1M | $1.24B | $1.06B | $665.1M | $1.10B | $760.9M | $776.8M | $976.2M | $883.0M | $790.2M |
| Gross Profit | $3.06B | $10.41B | $10.18B | $7.95B | $2.86B | $3.72B | $2.66B | $3.92B | $4.92B | $4.78B |
| Research & Development | 0 | 0 | 0 | 0 | 0 | $208.0M | $151.9M | $148.8M | $411.9M | 0 |
| Selling, General & Admin | $1.89B | $10.33B | $7.99B | $5.20B | $2.54B | $2.06B | $845.8M | $887.7M | $1.47B | $1.48B |
| Operating Expenses | $1.97B | $10.37B | $9.41B | $6.82B | $2.91B | $2.43B | $1.19B | $1.32B | $3.28B | $2.64B |
| Operating Income | $1.08B | $35.3M | $776.1M | $1.13B | -$50.0M | $1.29B | $1.47B | $2.59B | $1.65B | $2.15B |
| EBITDA | $1.10B | $176.2M | $924.1M | $1.52B | $277.5M | $1.33B | $1.52B | $2.60B | $1.68B | -$44.3M |
| Interest Expense | 0 | 0 | 0 | 0 | 0 | $61.6M | 0 | 0 | 0 | 0 |
| Pre-tax Income | $1.10B | $193.1M | $1.77B | $1.39B | -$773.4M | $1.20B | $1.50B | $2.65B | $1.86B | -$56.9M |
| Income Tax | -$13.9M | $381.2M | $194.3M | $239.2M | -$80.6M | $170.2M | $300.5M | $565.2M | $279.2M | -$96.3M |
| Net Income | $1.12B | -$188.1M | $1.58B | $1.16B | -$692.7M | $1.03B | $1.19B | $2.08B | $1.58B | $39.4M |
| EPS | $18.88 | $-3.10 | $10.49 | $12.48 | $-7.68 | $12.22 | $13.68 | $23.54 | $18.27 | $0.90 |
| EPS (Diluted) | $18.77 | $-3.04 | $10.38 | $12.39 | $-7.68 | $12.11 | $13.63 | $23.28 | $18.11 | $0.90 |
| Shares Outstanding (Diluted) | $59.5M | $61.8M | $93.1M | $93.3M | $90.2M | $85.3M | $85.3M | $89.3M | $87.4M | $87.3M |
Price
| Price | $0.99 |
| Market Cap | $86M |
| Exchange | NYSE |
| Country | CN |
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Explore sector: Financial Services · Financial - Credit Services
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