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Yiren Digital
(NYSE:YRD)
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Rating:54Neutral
Price Target:
$1.00
▼(-15.25% Downside)
Action:Reiterated
Date:07/10/26
YRD scores mid-range primarily because a strong, low-leverage balance sheet and improving credit/cost trends from the earnings call are offset by deteriorating recent financial results (revenue decline, net losses, and negative 2026 TTM operating/free cash flow). Technicals remain weak with the stock below key moving averages and negative MACD, while valuation is mixed due to a negative P/E alongside an exceptionally high dividend yield that may carry sustainability risk.
Positive Factors
Balance Sheet Strength
Extremely low leverage and a large equity base provide durable financial flexibility. With near-zero debt-to-equity and substantial assets, the company can withstand earnings volatility, fund selective strategic initiatives, and absorb credit cycles without immediate refinancing pressure, supporting multi‑quarter stability.
Negative Factors
Revenue & Cash Flow Decline
Consecutive revenue declines and a reversal to negative operating and free cash flow weaken the company's ability to self‑fund growth and absorb shocks. Persistent top‑line contraction reduces operating leverage and increases reliance on liquidity or capital raises, constraining durable investment and margin recovery.
Read all positive and negative factors
Positive Factors
Negative Factors
Balance Sheet Strength
Extremely low leverage and a large equity base provide durable financial flexibility. With near-zero debt-to-equity and substantial assets, the company can withstand earnings volatility, fund selective strategic initiatives, and absorb credit cycles without immediate refinancing pressure, supporting multi‑quarter stability.
Read all positive factors
Yiren Digital Key Performance Indicators (KPIs)
Any
Volume of Loans Facilitated
Indicates the total amount of loans processed, reflecting the company's lending capacity and market demand for its financial products.
Indicates the total amount of loans processed, reflecting the company's lending capacity and market demand for its financial products.
Data provided by:
The Fly
The FlyYiren Digital (YRD) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$96.95M
Dividend Yield39.64%
Average Volume (3M)141.33K
Price to Earnings (P/E)―
Beta (1Y)1.31
Revenue Growth-13.83%
EPS Growth-154.13%
CountryUS
Employees981
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)-23.48
Shares Outstanding86,406,490
10 Day Avg. Volume116,201
30 Day Avg. Volume141,334
Financial Highlights & Ratios
PEG Ratio-0.30
Price to Book (P/B)0.12
Price to Sales (P/S)0.20
P/FCF Ratio1.66
Enterprise Value/Market Cap-32.33
Enterprise Value/Revenue-0.61
Enterprise Value/Gross Profit-0.72
Enterprise Value/Ebitda7.07
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Yiren Digital Business Overview & Revenue Model
Company Description
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...
How the Company Makes Money
null...
Yiren Digital Earnings Call Summary
Earnings Call Date:Jun 25, 2026
(Q1-2026)
| % Change Since: |
Next Earnings Date:Aug 13, 2026
Earnings Call Sentiment Neutral
The call conveyed meaningful operational progress: credit metrics and asset quality showed clear improvement, provisions and allowances declined, losses narrowed, marketing and operating costs were materially reduced, and the internet insurance business and AI ecosystem demonstrated early traction. However, the company still faces a significant year-over-year revenue decline (-41% YoY), ongoing net losses and negative adjusted EBITDA, and some uncertainty around the timing and capital needs of larger AI infrastructure initiatives. The narrative is of a company in transition with improving underlying fundamentals but remaining near-term profitability and revenue challenges.Positive Updates
Improving Credit Quality and Customer Loyalty
Repeat borrowing ratio reached a record 78% (vs. 74% YoY and 77% in Q4 2025). FPD30+ rate improved to 0.76% (from 1.16% in the prior-year comparable period). Early-stage delinquency buckets improved meaningfully: 1–30 days at 2.5%, 31–60 days at 2.7%, and 61–90 days at 3.2%. Asset recovery rate increased for the first time in five quarters, reflecting healthier asset quality and the benefits of AI-driven risk management.
Negative Updates
Material Year‑over‑Year Revenue Decline
Total net revenue for Q1 2026 was RMB 915.1 million, down 41% year-over-year, although only down 4% sequentially from RMB 957.6 million in Q4 2025. The steep YoY decline reflects the prior year portfolio resizing and industry credit normalization.
Read all updates
Q1-2026 Updates
Positive
Negative
Improving Credit Quality and Customer Loyalty
Repeat borrowing ratio reached a record 78% (vs. 74% YoY and 77% in Q4 2025). FPD30+ rate improved to 0.76% (from 1.16% in the prior-year comparable period). Early-stage delinquency buckets improved meaningfully: 1–30 days at 2.5%, 31–60 days at 2.7%, and 61–90 days at 3.2%. Asset recovery rate increased for the first time in five quarters, reflecting healthier asset quality and the benefits of AI-driven risk management.
Read all positive updates
Company Guidance
Management offered cautious optimism for 2026, guiding that improving credit trends should drive lower provisioning and continued margin recovery, pointing to concrete improvements—allowance for credit assets fell to CNY176.4m (from CNY302.8m), provisions for contingent liabilities declined to CNY632.2m (from CNY1.11b), adjusted EBITDA loss narrowed to CNY337m (from CNY1.0b), net loss improved to CNY494.7m (from CNY868.2m), and FPD30+ eased to 0.76% (from 1.16%)—and said these trends (repeat-borrower ratio 78%; delinquencies: 1–30d 2.5%, 31–60d 2.7%, 61–90d 3.2%) should support lower provisions in coming quarters; they also expect continued internet insurance momentum (insurance revenue CNY87.2m, +4% QoQ and +22% YoY; internet insurance now 29% of insurance revenue; internet insurance revenue +38% QoQ; nearly 1m new policies in Q4 2026; ~400k clients, +4.1x YoY), AI-driven efficiency gains to compound (CAC as % of revenue down >50% YoY; sales & marketing CNY113.6m, −45% QoQ; origination/servicing costs CNY197.6m; R&D CNY108.9m, +27% YoY), and sufficient liquidity (cash CNY2.45b, restricted cash CNY383.4m, financial investments CNY507.5m; total ~CNY3.3b) while maintaining disciplined capital allocation, selective AI investments (9+ startups, warrants with 4) and further updates as initiatives mature.Yiren Digital Financial Statement Overview
Summary
Income Statement
44
Neutral
Balance Sheet
83
Very Positive
Cash Flow
41
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Jun 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 5.10B | 5.57B | 5.81B | 4.90B | 3.43B | 4.48B |
| Gross Profit | 4.34B | 4.78B | 4.92B | 3.92B | 2.66B | 3.72B |
| EBITDA | -443.37M | -44.31M | 1.68B | 2.60B | 1.52B | 1.33B |
| Net Income | -688.35M | 39.42M | 1.58B | 2.08B | 1.19B | 1.03B |
Balance Sheet | ||||||
| Total Assets | 12.50B | 13.45B | 12.98B | 10.28B | 8.54B | 7.74B |
| Cash, Cash Equivalents and Short-Term Investments | 2.45B | 3.35B | 4.27B | 6.31B | 5.24B | 3.04B |
| Total Debt | 35.29M | 48.85M | 40.77M | 23.65M | 803.13M | 1.10B |
| Total Liabilities | 3.72B | 4.18B | 3.44B | 2.19B | 2.51B | 2.92B |
| Stockholders Equity | 8.77B | 9.27B | 9.54B | 8.09B | 6.03B | 4.82B |
Cash Flow | ||||||
| Free Cash Flow | -456.36M | 677.88M | 1.41B | 2.17B | 1.85B | 148.79M |
| Operating Cash Flow | -430.62M | 703.62M | 1.42B | 2.17B | 1.85B | 158.19M |
| Investing Cash Flow | -1.46B | -1.58B | -3.11B | 100.05M | 52.56M | -346.51M |
| Financing Cash Flow | 397.59M | 662.60M | -277.23M | -569.28M | -489.12M | 427.45M |
Yiren Digital Technical Analysis
Negative
1.18
Price Trends
1.25
Negative
1.71
Negative
3.08
Negative
Market Momentum
-0.05
Positive
41.37
Neutral
23.08
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For YRD, the sentiment is Negative. The current price of 1.18 is below the 20-day moving average (MA) of 1.23, below the 50-day MA of 1.25, and below the 200-day MA of 3.08, indicating a bearish trend. The MACD of -0.05 indicates Positive momentum. The RSI at 41.37 is Neutral, neither overbought nor oversold. The STOCH value of 23.08 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for YRD.
Yiren Digital Risk Analysis
Yiren Digital disclosed 99 risk factors in its most recent earnings report. Yiren Digital reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 1 New Risks
1.
We may be unsuccessful in expanding and operating our business internationally, which could adversely affect our results of operations. Q4, 2023
Yiren Digital Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | $1.18B | 3.72 | 5.33% | 6.44% | 0.84% | -12.02% | |
69 Neutral | $245.66M | 1.15 | 12.18% | 25.81% | -3.40% | 8.62% | |
69 Neutral | $1.68B | 1.74 | 20.88% | 11.36% | 5.63% | -16.83% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
54 Neutral | $96.95M | -0.32 | -7.18% | 37.29% | -13.83% | -154.13% | |
52 Neutral | $2.33B | -3.42 | -1.66% | ― | ― | ― |
* Financial Sector Average
YRD
Yiren Digital
1.11
-4.50
-80.20%
FINV
FinVolution Group
4.85
-3.02
-38.33%
LX
Lexinfintech Holdings
1.46
-4.16
-74.03%
QFIN
Qifu Technology
13.88
-16.73
-54.66%
LU
Lufax Holding
1.56
-1.32
-45.83%
Yiren Digital Corporate Events
Yiren Digital Launches US$20 Million Share Repurchase Program
Jul 2, 2026
On July 2, 2026, Yiren Digital announced that its board had authorized a new share repurchase program of up to US$20 million, allowing the company to buy back up to 10% of its issued and outstanding ordinary shares and ADSs over the subsequent 12 ...
Yiren Digital Posts Weaker Q1 2026 Credit Volumes but Surging Insurance and AI Investments
Jun 26, 2026
Yiren Digital reported unaudited results for the first quarter ended March 31, 2026, showing a sharp contraction in its core credit solution business alongside rapid growth in insurance brokerage. Total loans facilitated fell 26% quarter-on-quarte...
Yiren Digital CEO Ning Tang Boosts Beneficial Ownership to 82% After Shareholder Restructuring
Jun 8, 2026
On June 5, 2026, a restructuring of CreditEase Holdings (Cayman) Limited, the controlling shareholder of Yiren Digital, transferred full ownership of that entity to Executive Chairman and CEO Ning Tang. As a result, Tang’s indirect beneficia...
Yiren Digital Names Marcum Asia as New Independent Auditor
Jun 1, 2026
On June 1, 2026, Beijing-based Yiren Digital Ltd., listed on the NYSE under the ticker YRD, appointed Marcum Asia CPAs LLP as its new independent registered public accounting firm, effective immediately. Marcum Asia has been engaged to audit and r...
Yiren Digital Distances Operations From Media Reports on Controlling Shareholder Affiliates
May 27, 2026
On May 26, 2026, Yiren Digital issued a statement addressing recent media reports about certain financial products offered by affiliates of its controlling shareholder. The company emphasized that it is an independent, NYSE-listed entity with sepa...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.