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YRD US​
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Yiren Digital Ltd. Sponsored ADR(YRD US)

$0.42+0.011.78%(Market Open · 19:53:14 UTC)
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Overview

ProfileEntity Structure

Documents

SEC Filings

Financials & Metrics

FinancialsChartingShort InterestEmployees

Yiren Digital Ltd. Sponsored ADR — Company Profile

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. This includes not only the initial matching service but also comprehensive post-origination support, such as cash processing, debt collection, and communication management. Its diverse portfolio of loan products encompasses unsecured consumer credit, various secured consumer loans (including those collateralized by financial leases, automobiles, and real estate), and financing solutions tailored for small businesses. Beyond its lending activities, Yiren Digital also makes available a selection of financial investment products, such as short-term cash management tools, mutual funds, insurance policies, and securities. To further support its clientele, the company provides extensive online investor education services, covering a broad spectrum of investment and trading topics. It also offers specialized training programs focusing on wealth planning, market analysis, and strategic investment approaches. Additionally, Yiren Digital furnishes IT consultancy and support, referral services, system maintenance, and dedicated customer assistance. The firm also extends its operations into financial lease services and insurance brokerage. Customers can access Yiren Digital's offerings through its dedicated website, www.yxpuhui.com, alongside a specialized wealth management portal and a proprietary mobile application. As of December 31, 2020, the company showcased an impressive range of products, featuring 60 fixed income options, 810 mutual fund offerings, and 296 distinct insurance products.

Sector
Financial Services
Industry
Financial - Credit Services
Exchange
UN
CEO
Ning Tang
Headquarters
Beijing, F4, CN
IPO Date
Dec 18, 2015
Employees
981
Website
www.yiren.com

Key Metrics

Price
$0.96
Market Cap
$83.21M
Revenue (TTM)
$5.57B
Net Income (TTM)
$39.42M
EPS (TTM)
0.90
P/E (TTM)
1.58
P/B (TTM)
0.01
Dividend Yield
7.42%
ROE (TTM)
0.42%
ROA (TTM)
0.29%
Operating Margin
38.50%
Beta
0.87

Dividends

Last Dividend
$0.22
Last Yield
0.07%

Summary

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. This includes not only the initial matching service but also comprehensive post-origination support, such as cash processing, debt collection, and communication management. Its diverse portfolio of loan products encompasses unsecured consumer credit, various secured consumer loans (including those collateralized by financial leases, automobiles, and real estate), and financing solutions tailored for small businesses. Beyond its lending activities, Yiren Digital also makes available a selection of financial investment products, such as short-term cash management tools, mutual funds, insurance policies, and securities. To further support its clientele, the company provides extensive online investor education services, covering a broad spectrum of investment and trading topics. It also offers specialized training programs focusing on wealth planning, market analysis, and strategic investment approaches. Additionally, Yiren Digital furnishes IT consultancy and support, referral services, system maintenance, and dedicated customer assistance. The firm also extends its operations into financial lease services and insurance brokerage. Customers can access Yiren Digital's offerings through its dedicated website, www.yxpuhui.com, alongside a specialized wealth management portal and a proprietary mobile application. As of December 31, 2020, the company showcased an impressive range of products, featuring 60 fixed income options, 810 mutual fund offerings, and 296 distinct insurance products.

Website
www.yiren.com
Location
Beijing, F4, CN
Phone86 10 5395 3680
Employees981
CEONing Tang
SectorFinancial Services
IndustryFinancial - Credit Services
IPO DateDec 18, 2015

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Latest Documents

SEC Filings(161)

Expand
  • 3Mei Na29 Oct
  • 6-KREPORT OF FOREIGN PRIVATE ISSUER15 Oct
  • 6-KREPORT OF FOREIGN PRIVATE ISSUER13 Oct
  • 6-KREPORT OF FOREIGN PRIVATE ISSUER30 Sep
  • 6-KREPORT OF FOREIGN PRIVATE ISSUER2 Jul
  • 6-KREPORT OF FOREIGN PRIVATE ISSUER26 Jun
  • SC 13D/AYiren Digital Ltd.8 Jun
  • 4Tang Ning8 Jun
  • 6-KREPORT OF FOREIGN PRIVATE ISSUER8 Jun
  • 6-KREPORT OF FOREIGN PRIVATE ISSUER1 Jun
  • 6-KREPORT OF FOREIGN PRIVATE ISSUER27 May
  • 20-FFY 2025ended 31 Dec 202529 Apr
  • 3Huang Jingsheng23 Apr
  • 3Tang Ning27 Mar
  • 3Li Hao26 Mar
  • 6-KREPORT OF FOREIGN PRIVATE ISSUER20 Mar
  • 3Ju Tina Lin-Chi18 Mar
  • 3Zheng Shuo18 Mar
  • 3Hui Ka Chun William18 Mar
  • 3Pang Hiu Fung Vincent18 Mar

News

  • ROSEN, SKILLED INVESTOR COUNSEL, Encourages Yiren Digital Ltd. Investors to Secure Counsel Before Important Deadline in Securities Class Action First Filed by the Firm - YRD02:20PM
  • SHAREHOLDER ALERT: Bronstein Gewirtz & Grossman, LLC Announces Class Action Against Yiren Digital Ltd. (YRD) - Investors Who Suffered Losses Are Encouraged to Contact the Firm12:00PM
  • SHAREHOLDER ALERT: Bronstein Gewirtz & Grossman, LLC Announces Class Action Against Yiren Digital Ltd. (NYSE: YRD) — Investors Who Suffered Losses Are Encouraged to Contact the Firm12:00PM
  • ROSEN, THE FIRST FILING FIRM, Encourages Yiren Digital Ltd. Investors to Secure Counsel Before Important Deadline in Securities Class Action First Filed by the Firm - YRD1 Nov
  • ROSEN, RECOGNIZED INVESTOR COUNSEL, Encourages Yiren Digital Ltd. Investors to Secure Counsel Before Important Deadline in Securities Class Action First Filed by the Firm - YRD1 Nov
  • YRD DEADLINE ALERT: Faruqi & Faruqi, LLP Reminds Yiren Digital (YRD) Investors of Securities Class Action Lawsuit Deadline on December 28, 20261 Nov
  • ROSEN, SKILLED INVESTOR COUNSEL, Encourages Yiren Digital Ltd. Investors to Secure Counsel Before Important Deadline in Securities Class Action First Filed by the Firm - YRD31 Oct
  • YRD Shareholder Notice: Shareholder Rights Law Firm Robbins LLP Reminds Investors of the Class Action Lawsuit Against Yiren Digital Ltd.30 Oct
  • Securities Fraud Class Action Filed Against Yiren Digital Ltd.: Glancy Prongay Wolke & Rotter LLP Announces Lead Plaintiff Deadline30 Oct
  • YRD Investors Have Opportunity to Lead Yiren Digital Ltd. Securities Fraud Lawsuit Filed by The Rosen Law Firm30 Oct
  • Securities Fraud Lawsuit Filed Against Yiren Digital Ltd.: The Law Offices of Frank R.30 Oct
  • ROSEN, SKILLED INVESTOR COUNSEL, Encourages Yiren Digital Ltd. Investors to Secure Counsel Before Important Deadline in Securities Class Action First Filed by the Firm - YRD30 Oct
  • YRD INVESTOR ALERT: Class Action Lawsuit Filed on Behalf of Yiren Digital Ltd. Investors – Holzer & Holzer, LLC Encourages Investors With Losses to Contact the Firm30 Oct
  • Investor Alert: Robbins LLP Informs Investors of the Yiren Digital Ltd. Class Action Lawsuit29 Oct
  • ROSEN, THE FIRST FILING FIRM, Encourages Yiren Digital Ltd. Investors to Secure Counsel Before Important Deadline in Securities Class Action First Filed by the Firm - YRD29 Oct
  • EQUITY ALERT: Rosen Law Firm Files Securities Class Action Lawsuit on Behalf of Yiren Digital Ltd. Investors – YRD29 Oct
  • Lost Money on Yiren Digital Ltd. Stock? Glancy Prongay Wolke & Rotter LLP Continues Investigating Possible Securities Fraud After 44.05% Share Price Drop29 Oct
  • INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Yiren Digital Ltd. - YRD29 Oct
  • ROSEN, A HIGHLY RECOGNIZED LAW FIRM, Encourages Yiren Digital Ltd. Investors to Inquire About Securities Class Action Investigation - YRD28 Oct
  • INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Yiren Digital Ltd. - YRD27 Oct

Mentions in Filings

  • … nancings. Prior to that, from December 2014 to December 2019, Ms. Liu successively served as the financial controller, the vice president of finance, the co-chief financial officer and the chief financial officer of <strong>Yiren Digital Ltd.</strong>, where she led the capital market projects, managed the finance team and developed cooperation with financial institutions. From May 2005 to December 2014, Ms. Liu served as a senior manager in the financial service …
    Lufax Holding LtdYiren Digital Ltd. Sponsored ADR·EX-99.2 - 6-K - Current report (foreign private issuer)·Q4 26·16 Oct
  • … nancings. Prior to that, from December 2014 to December 2019, Ms. LIU successively served as the financial controller, the vice president of finance, the co-chief financial officer and the chief financial officer of <strong>Yiren Digital Ltd.</strong> (a company listed on NYSE (stock code: YRD)), where she led the capital market projects, managed the finance team and developed cooperation with financial institutions. From May 2005 to December 2014, Ms. LIU served …
    Lufax Holding LtdYiren Digital Ltd. Sponsored ADR·EX-99.3 - 6-K - Current report (foreign private issuer)·Q4 26·16 Oct
  • … China’s R&D Group, Maersk China Co. Ltd., and SouFun.com. From 1995 to 2004, Mr. Sun worked in KPMG’s auditing practice group. Mr. Sun currently serves as a director on the boards of iQiyi (Nasdaq: IQ), Zhihu Inc. (NYSE: ZH), <strong>Yiren Digital Ltd.</strong> (NYSE: YRD) and YSB Inc. (SEHK: 9885). Mr. Sun received a bachelor’s degree in business administration from the Beijing Institute of Technology. He is a Certified Public Accountant in mainland China. 102
    Antalpha Platform Holding CoYiren Digital Ltd. Sponsored ADR·20-F - ANNUAL REPORT FY 2025·FY25·14 Apr
  • … controller positions at Microsoft China R&D Group, Maersk China Co. Ltd., and SouFun.com. From 1995 to 2004, Mr. Sun worked in KPMG’s auditing practice group. Mr. Sun currently serves as a director on the boards of <strong>Yiren Digital Ltd.</strong> (NYSE: YRD) and YSB Inc. (SEHK: 9885). Mr. Sun has been an independent director of Antalpha Platform Holding Co (Nasdaq: ANTA) since May 2025, and an independent non-executive director, chairperson of the audit comm …
    iQIYI, Inc.Yiren Digital Ltd. Sponsored ADR·20-F - Annual report (foreign private issuer) FY 2025·FY25·16 Mar
  • … ft China’s R&D Group, Maersk China Co. Ltd., and SouFun.com. From 1995 to 2004, Mr. Sun worked in KPMG’s auditing practice group. Mr. Sun currently serves as a director on the boards of iQiyi (Nasdaq: IQ), Zhihu Inc. (NYSE: ZH) and <strong>Yiren Digital Ltd.</strong> (NYSE: YRD) and YSB Inc. (SEHK: 9885). Mr. Sun received a bachelor’s degree in business administration from the Beijing Institute of Technology. He is a Certified Public Accountant in mainland China.
    Antalpha Platform Holding CoYiren Digital Ltd. Sponsored ADR·424B4 - 424(B)(4)·Q2 25·15 May 2025
  • … R&D Group, Maersk China Co. Ltd., and SouFun.com. From 1995 to 2004, Mr. Sun worked in KPMG’s auditing practice group. Mr. Sun currently serves as a director on the boards of iQiyi (Nasdaq: IQ), Zhihu Inc. (NYSE: ZH) and <strong>Yiren Digital Ltd.</strong> (NYSE: YRD) and YSB Inc. (SEHK: 9885). Mr. Sun received a bachelor’s degree in business administration from the Beijing Institute of Technology. He is a Certified Public Accountant in mainland China. 143 ---
    Antalpha Platform Holding CoYiren Digital Ltd. Sponsored ADR·F-1/A - AMENDMENT NO. 2 TO FORM F-1·Q2 25·6 May 2025

Key Stats

Trading

Px/Chg 1D$0.96 / +4.49%
Avg Volume111.81K
Beta0.87
Mkt Cap83.21M
FD Mkt Cap91.28M

Float

Shrs Out/Float86.93M / 29.36M
Short Float0.01%
Days to Cover1.54
Stock Repurchased$223.00K

Current Valuation

EV-1654897501.15
EV/EBITDA-16.09
EV/Sales-0.65
P/B0.01
P/S0.01
FCF Yield-248.20%
ROE0.42%
ROA0.29%
Current Ratio323.65

Dividend

Cash$0.22
Yield7.42%
Yield (TTM)7.42%

Estimates

P/E1.58
Est P/EN/A
Est EPSN/A
Est PEGN/A

Valuation

Metric5Yr AvgJun '23Aug '24Jun '25Sep '26Oct '26
PRICE-BASED RATIOS
Price / Earnings0.100.180.210.37-0.09-0.19
Price / Sales0.090.060.090.100.090.09
Price / Book Value0.030.040.050.060.010.01
Price / Free Cash Flow-0.010.120.200.41-0.40-0.40
ENTERPRISE VALUE METRICS
Enterprise Value-3,441.3-3,253.0-5,332.9-3,214.9-3,750.9-1,654.9
Enterprise Value / Sales-1.68-0.95-1.09-0.55-3.97-1.83
Enterprise Value / EBITDA0.24-2.13-2.05-1.923.393.93
Enterprise Value / EBIT0.21-2.21-2.06-1.953.373.89

Financials

Full Financials
Millions CNY5Yr CAGR (%)Dec '21Dec '22Dec '23Dec '24Dec '25
INCOME STATEMENT
Revenue5.6%4,477.93,434.64,895.65,805.95,572.2
Gross Income6.5%3,717.12,657.83,919.54,922.94,782.1
EBITDA—1,330.61,524.72,601.91,675.4-44.3
EBIT—1,287.31,471.92,594.81,647.1-56.9
Net Income-55.8%1,033.01,194.92,080.21,582.339.4
EPS (Diluted)-47.8%12.1113.6323.2818.110.90
BALANCE SHEET
Cash & ST Inv6.2%3,041.95,244.66,305.54,271.93,873.3
Total Assets14.8%7,739.48,536.110,276.912,982.713,463.5
Total Liabilities9.4%2,918.02,505.32,191.43,440.34,186.6
Total Shareholder Equity17.8%4,821.46,030.88,085.59,542.49,277.2
CASH FLOW
Net Operating Cash Flow45.2%158.21,849.42,171.01,424.1703.6
Cap Ex28.6%-9.4-0.9-4.4-9.2-25.7
Free Cash Flow46.1%148.81,848.52,166.61,414.9677.9

Enterprise Value Bridge

Millions CNY23 Oct '26
Price (As of 23 Oct '26)0.69
Basic Shares86.93
Market Cap59.9
Diluted Shares43.74
Fully Diluted Shares Outstanding43.74
Fully Diluted Market Cap30.1
+Consolidated Debt33.3
−In-the-Money Convertible Debt—
+Capital Leases33.3
+Operating Leases—
−Cash & Equivalents-1,782.5
−Short-term Investments-
+Total Preferred-
−In-the-Money Convertible Preferred—
−Investments in Unconsolidated Subs—
+Non-Controlling Interest11.2
+Pension Liabilities—
Enterprise Value-1,678.2

Segment data

Revenue

by Products and services

  • Technology Service100%

Revenue

by Geography

  • Other Member100%

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