Yiren Digital Ltd. Sponsored Adr (YRD)
NYSE:YRD
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Yiren Digital
(NYSE:YRD)
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Rating:73Outperform
Price Target:
$4.50
▲(2.04% Upside)
Action:ReiteratedDate:01/06/26
Score is led by attractive valuation (very low P/E and high dividend yield) and solid underlying financial performance (strong margins, growth, and minimal leverage). Offsetting this are weak technicals (below key moving averages with negative MACD) and earnings-call risks around profitability pressure, delinquency/funding costs, and regulatory uncertainty.
Positive Factors
High Gross & Net Margins
Sustained very high gross and net margins indicate durable pricing power and efficient cost structure in core AI/healthcare products. Over the next several months this margin profile supports reinvestment in R&D and product development, and provides resiliency against revenue variability.
Negative Factors
Declining Free Cash Flow and Negative Investing Cash Flow
A marked drop in free cash flow and negative investing cash flow signal tightening internal funding for growth or dividends. Persisting FCF declines can force cutbacks to strategic projects or require external financing, weakening long-term operational flexibility and capital allocation.
Read all positive and negative factors
Positive Factors
Negative Factors
High Gross & Net Margins
Sustained very high gross and net margins indicate durable pricing power and efficient cost structure in core AI/healthcare products. Over the next several months this margin profile supports reinvestment in R&D and product development, and provides resiliency against revenue variability.
Read all positive factors
Yiren Digital (YRD) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$158.12M
Dividend Yield10.37%
Average Volume (3M)86.66K
Price to Earnings (P/E)28.5
Beta (1Y)0.97
Revenue Growth10.48%
EPS Growth-30.67%
CountryUS
Employees949
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)-1.43
Shares Outstanding86,934,540
10 Day Avg. Volume183,169
30 Day Avg. Volume86,657
Financial Highlights & Ratios
PEG Ratio-0.09
Price to Book (P/B)0.32
Price to Sales (P/S)0.52
P/FCF Ratio2.15
Enterprise Value/Market Cap-17.38
Enterprise Value/Revenue-0.44
Enterprise Value/Gross Profit-0.50
Enterprise Value/Ebitda-1.68
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., through its subsidiaries, operates as an online consumer finance marketplace that connects borrowers and investors in the People's Republic of China. It provides loan facilitation services; and post-origination services, such a...
How the Company Makes Money
Yiren Digital generates revenue through a combination of product sales, subscription services, and strategic partnerships. Key revenue streams include the sale of its AI diagnostic tools, which are sold to hospitals and clinics, and subscription f...
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 Earnings Call Summary
Earnings Call Date:Nov 25, 2025
(Q3-2025)
| % Change Since: |
Next Earnings Date:Jun 04, 2026
Earnings Call Sentiment Neutral
The earnings call highlighted significant growth in loan origination and the internet insurance segment, as well as operational efficiencies driven by AI. However, challenges such as regulatory uncertainty, increased delinquency rates, and pressure on profitability were also present.Positive Updates
Significant Growth in Loan Origination
Facilitated RMB 20.2 billion in loan origination during the quarter, up 51% year over year.
Negative Updates
Regulatory and Credit Risk Challenges
Heightened regulatory uncertainty and a cautious credit backdrop impacted parts of the business.
Read all updates
Q3-2025 Updates
Positive
Negative
Significant Growth in Loan Origination
Facilitated RMB 20.2 billion in loan origination during the quarter, up 51% year over year.
Read all positive updates
Company Guidance
During the third quarter of 2025, Yiren Digital Ltd. facilitated RMB 20.2 billion in loan origination, marking a 51% year-over-year increase, with a repeat borrowing rate of 77%, up 16 percentage points from a year ago. Despite a 11% decline in the total number of borrowers to 1.3 million, the cumulative borrower base rose by 21% year-on-year to 14 million. The company also reported a 44% increase in the average size of new loans from RMB 7,000 to RMB 10,100. The insurance segment showed significant growth, with gross written premiums reaching RMB 1.15 billion, a 35% increase quarter-over-quarter, and internet insurance premiums growing by 204% to RMB 196 million. Financial services revenue climbed by 70% year-over-year to RMB 1.4 billion, driven by a substantial rise in loan guarantee services. Despite challenges, including a 12% decline in net income to RMB 318 million and a net margin reduction from 22% to 20%, Yiren Digital maintained a robust cash position with RMB 4 billion in cash equivalents and restricted cash, positioning itself well for future opportunities.Yiren Digital Financial Statement Overview
Summary
Income Statement
80
Positive
Balance Sheet
75
Positive
Cash Flow
70
Positive
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Jun 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 6.24B | 5.81B | 4.90B | 3.43B | 4.48B | 3.96B |
| Gross Profit | 5.50B | 4.92B | 3.92B | 2.66B | 3.72B | 2.86B |
| EBITDA | 1.64B | 1.68B | 2.60B | 1.52B | 1.33B | 277.46M |
| Net Income | 1.25B | 1.58B | 2.08B | 1.19B | 1.03B | -692.75M |
Balance Sheet | ||||||
| Total Assets | 15.45B | 12.98B | 10.28B | 8.54B | 7.74B | 6.70B |
| Cash, Cash Equivalents and Short-Term Investments | 3.86B | 4.27B | 6.31B | 5.24B | 3.04B | 2.65B |
| Total Debt | 51.85M | 40.77M | 23.65M | 803.13M | 1.10B | 582.35M |
| Total Liabilities | 5.11B | 3.44B | 2.19B | 2.51B | 2.92B | 2.92B |
| Stockholders Equity | 10.34B | 9.54B | 8.09B | 6.03B | 4.82B | 3.78B |
Cash Flow | ||||||
| Free Cash Flow | 884.39M | 1.41B | 2.17B | 1.85B | 148.79M | 268.31M |
| Operating Cash Flow | 884.39M | 1.42B | 2.17B | 1.85B | 158.19M | 282.03M |
| Investing Cash Flow | -1.61B | -3.11B | 100.05M | 52.56M | -346.51M | -1.80B |
| Financing Cash Flow | 896.74M | -277.23M | -569.28M | -489.12M | 427.45M | 955.45M |
Yiren Digital Technical Analysis
Negative
4.41
Price Trends
3.67
Negative
4.13
Negative
5.02
Negative
Market Momentum
-0.45
Positive
14.17
Positive
1.65
Positive
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 4.41 is above the 20-day moving average (MA) of 3.35, above the 50-day MA of 3.67, and below the 200-day MA of 5.02, indicating a bearish trend. The MACD of -0.45 indicates Positive momentum. The RSI at 14.17 is Positive, neither overbought nor oversold. The STOCH value of 1.65 is Positive, 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 0 New Risks
Yiren Digital Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | $158.12M | 28.48 | 0.54% | 10.37% | 10.48% | -30.67% | |
72 Outperform | $1.29B | 3.73 | 15.80% | 5.20% | 9.32% | 29.40% | |
72 Outperform | $1.48B | 1.55 | 24.99% | 7.30% | 13.96% | 39.32% | |
69 Neutral | $403.83M | 2.38 | 14.37% | 8.86% | -0.60% | 135.15% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
| ― | $2.33B | -2.36 | 0.96% | ― | ― | ― |
* Financial Sector Average
YRD
Yiren Digital
1.81
-4.44
-71.04%
FINV
FinVolution Group
4.86
-4.62
-48.72%
LX
Lexinfintech Holdings
2.33
-8.12
-77.70%
QFIN
Qifu Technology
13.14
-31.20
-70.37%
LU
Lufax Holding
1.84
-1.22
-39.87%
Yiren Digital Corporate Events
Yiren Digital Reports Q3 2025 Financial Results Amid Industry Challenges
Nov 26, 2025
Yiren Digital Ltd. announced its financial results for the third quarter of 2025, highlighting a 51% increase in total loans facilitated compared to the same period in 2024, reaching RMB20.2 billion. Despite a decrease in the number of borrowers s...
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.