Education
About Us
Working with TipRanks
Follow Us
Yiren Digital Ltd Sponsored ADR (YRD)
NYSE:YRD
Earnings Data
Report Date
Jun 05, 2025TBA Not Confirmed
Period Ending
2025 (Q1)Consensus EPS Forecast
―Last Year’s EPS
6.45Same Quarter Last Year
Based on 0 Analysts Ratings
---
Earnings Call Summary
Earnings Call Date:Mar 20, 2025
|% Change Since: -22.53%
|Next Earnings Date:Jun 05, 2025
Earnings Call Sentiment|Neutral
Yiren Digital's earnings call highlighted notable achievements in customer segment upgrades, AI integration, and international business profitability, alongside significant financial services growth. However, challenges were noted in the insurance segment, with declines in premiums and increased receivables allowances. Despite higher expenses impacting net income, the overall sentiment reflects a strategic focus on long-term growth and profitability.Company Guidance
During Yiren Digital's fourth-quarter and fiscal year 2024 earnings call, the company provided guidance on several key metrics reflecting its strong performance and future outlook. Total loan volumes in the fourth quarter reached RMB15.4 billion, a 32% increase year-over-year, contributing to a full-year total of RMB53.6 billion, up 49% from the previous year. The financial services business saw significant improvements in asset quality, with the average first payment default rate dropping by 13 basis points compared to 2023. The delinquency rates for the 1 to 30-day and 61 to 90-day buckets decreased by 20 and 10 basis points, respectively, from the previous quarter. The company's international business achieved profitability and expects total loan volume in the Philippines to double in 2025. AI development was a priority, with research and development expenses increasing by 177% year-over-year to RMB412 million. The AI systems contributed to cost savings of RMB44 million for the year. The insurance brokerage segment faced a challenging year, with total premiums over RMB4.4 billion, down 10% year-over-year, but showed strong life insurance renewal rates of 96%. Yiren Digital announced a cash dividend of US$0.22 per ADS for the second half of 2024, reflecting its commitment to shareholder returns. Looking ahead, the company expects revenue for 2025 to be between RMB5.5 billion and RMB6.5 billion, with a healthy net profit margin.Customer Segment Reshape and Upgrade
Yiren Digital reshaped and upgraded customer segments in the Financial Services business, resulting in improved asset quality and paving the way for sustainable development.
AI Integration and Efficiency Improvements
Integrated proprietary AI systems into operations, achieving significant improvements in operational efficiency and user experience, with 81% of day-one overdue cases handled by AI robots.
International Business Profitability
International Business achieved profitability by upgrading the customer mix and targeting higher-quality borrowers, especially in the Philippines.
Financial Services Growth
Total loan volumes in Q4 2024 reached RMB15.4 billion, a 32% year-over-year increase, with an impressive 49% increase for the full year 2024 compared to 2023.
AI-Driven Cost Savings
AI-powered systems led to labor cost savings of RMB1.9 million in Q4 2024 and approximately RMB9 million for the year, with additional savings of RMB44 million from enhanced funding allocation efficiency.
Insurance Brokerage Digitization
The Insurance Brokerage segment adopted a digitization model, enhancing client acquisition through social media and achieving high renewal rates for Life Insurance products.
Cash Dividend Announcement
Announced a cash dividend of US$0.22 per ADS for the second half of 2024, with distribution expected on May 15, 2025.
---
YRD Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
---
YRD Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
| Mar 20, 2025 | $8.61 | $6.85 | -20.44% |
| Nov 20, 2024 | $5.93 | $4.86 | -18.04% |
| Aug 20, 2024 | $4.75 | $4.63 | -2.53% |
| Jun 21, 2024 | $4.61 | $4.76 | +3.25% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
---
FAQ
When does Yiren Digital Ltd Sponsored ADR (YRD) report earnings?
Yiren Digital Ltd Sponsored ADR (YRD) is schdueled to report earning on Jun 05, 2025, TBA Not Confirmed.
What is Yiren Digital Ltd Sponsored ADR (YRD) earnings time?
Yiren Digital Ltd Sponsored ADR (YRD) earnings time is at Jun 05, 2025, TBA Not Confirmed.
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is YRD EPS forecast?
Currently, no data Available
---