Yiren Digital Ltd.

Report azionario NYSE:YRD

Capitalizzazione di mercato: US$105.0m

Yiren Digital Performance degli utili passati

Criteri Il passato verificati 2/6

Yiren Digital ha registrato una crescita degli utili a un tasso medio annuo di 25.4%, mentre il settore Consumer Finance ha registrato utili in diminuzione a un tasso medio annuo di 0.9%. I ricavi sono stati in crescita a un tasso medio annuo di 10.1%. Il ritorno sul capitale proprio di Yiren Digital è 0.6% e ha margini netti di 1%.

Informazioni chiave

25.41%

Tasso di crescita degli utili

25.17%

Tasso di crescita dell'EPS

Consumer Finance Crescita del settore7.20%
Tasso di crescita dei ricavi10.12%
Rendimento del capitale proprio0.59%
Margine netto0.95%
Ultimo aggiornamento sugli utili31 Dec 2025

Aggiornamenti sulle prestazioni recenti

Recent updates

Seeking Alpha • Dec 09

Yiren Digital: Worth A Look Even Though Headwinds Have Taken Over

Summary Regulatory headwinds are affecting YRD, especially when it comes to earnings, but there is reason for optimism nonetheless. Valuations for YRD price in a major decrease in earnings, but it does not have to get to that point since a recovery may come as soon as next year. The charts suggest now could be a good time for long YRD after the big selloff recently and the stock close to what could be solid support. Valuations, dividends, charts and a possible earnings recovery support the bull case, which is why I am bullish on YRD with a buy rating. Read the full article on Seeking Alpha
Articolo di analisi • Aug 27

Yiren Digital (NYSE:YRD) Will Pay A Larger Dividend Than Last Year At CN¥0.22

Yiren Digital Ltd. ( NYSE:YRD ) has announced that it will be increasing its dividend from last year's comparable...
Seeking Alpha • Apr 15

Yiren Digital: Selloff Presents An Opportunity

Summary YRD has sold off in recent weeks for several reasons after reaching a new high in March, but it also means getting in on YRD is more affordable. The charts suggest the stock bounced after coming into contact with support, which strengthens the case for long YRD. A possible rebound in the stock would match up well with the low valuations for YRD, on top of other attributes investors are usually interested in. Trade tensions could continue to weigh on YRD with no resolution in sight, but long YRD is still the way to go. Read the full article on Seeking Alpha
Articolo di analisi • Mar 06

Yiren Digital Ltd. (NYSE:YRD) Stock Rockets 29% But Many Are Still Ignoring The Company

Despite an already strong run, Yiren Digital Ltd. ( NYSE:YRD ) shares have been powering on, with a gain of 29% in the...
Seeking Alpha • Dec 20

Yiren Digital: The Pros Outweigh The Cons

Summary The stock has traded flat for months and YRD is available at very low multiples, which may raise the question as to why this is so. The relatively low valuation assigned to YRD becomes easier to understand once one looks into the business of YRD and the country it primarily operates in. YRD is weighed down by concerns about China and its economy, but it also means there may be an opportunity if concerns do not turn into reality. If we assume the situation in China does not deteriorate and the temporary headwinds pass, then long YRD has a lot going for it. Read the full article on Seeking Alpha
Articolo di analisi • Oct 01

Yiren Digital Ltd. (NYSE:YRD) Held Back By Insufficient Growth Even After Shares Climb 26%

Yiren Digital Ltd. ( NYSE:YRD ) shareholders have had their patience rewarded with a 26% share price jump in the last...
Seeking Alpha • Sep 27

Yiren Digital: Dividend Policy And Financial Guidance Draw Attention

Summary Yiren Digital declared a semi-annual dividend for the first time in five years as part of its new dividend policy. YRD anticipates that it can sustain a low-teens percentage top-line expansion for its upcoming quarterly results. I retain a Buy rating for Yiren Digital after analyzing the stock's future shareholder capital return and the company's financial outlook. Read the full article on Seeking Alpha
Seeking Alpha • Jun 24

Yiren Digital: Now A Buy With Strong Results And New Catalyst (Rating Upgrade)

Summary YRD's Q1 2024 results were good, as the company's pace of revenue and EBITDA growth for the recent quarter was faster than that for Q4 2023. Yiren Digital's prior dividend payout happened in 2018, and a potential re-initiation of dividends will most probably be a major catalyst. I have become bullish on YRD, considering its solid first quarter performance and the presence of a potential re-rating catalyst. Read the full article on Seeking Alpha
Seeking Alpha • Dec 11

Yiren Digital: Spotlight On Capital Return And Corporate Actions

Summary Yiren Digital's stock price is now 70% below its IPO price, and its current valuations are depressed. The stock has staged a decent recovery in the past year, but there is a lack of new catalysts to push up YRD's share price further. The initiation of dividends or potential privatization is unlikely, as the company prioritizes growth and staying listed. Read the full article on Seeking Alpha
Seeking Alpha • Sep 01

Yiren Digital Eyes Further International Expansion In Turnaround

Summary Yiren Digital Ltd. reported a 65% YoY revenue growth in Q2 2023, indicating a continued turnaround from the previous year's decline. The company offers credit services and wealth management products to consumers and small businesses in China. Yiren Digital has a significant cash position and may need to consider implementing a dividend policy in the future. I'm Neutral [Hold] on Yiren Digital Ltd. and the stock is worth putting on a watch list for future consideration. Read the full article on Seeking Alpha
Seeking Alpha • Dec 16

Yiren Digital: More Downsides Ahead

Summary Yiren Digital Ltd. is a highly risky option in the financial services industry. Sales and earnings are declining worryingly. China's outlook for middle-class wealth, consumer and corporate credit looks bleak. The Financial Services Sector Rallied on Increased Confidence in The Banking System The financial stocks sector has rallied faster than the broader US stock market since October, and overall has been less affected by recession fears and the impact of the war in Ukraine on the global economy. In fact, the Financial Select Sector SPDR ETF (XLF) is down 13% over the past year, while the SPDR S&P 500 Trust ETF (SPY) fell by nearly 17%. Source: Seeking Alpha The better performance of the financial sector likely came as central banks raised interest rates to curb runaway inflation, leading traders to believe that financial firms will benefit from a normalization of monetary policy after several quarters of accommodative rates. This sentiment strengthened among traders after clear signs of a slowdown in the annual inflation growth rate from 8.2% in September to 7.7% in October. Now, traders seem to not only see the hawkish stance on interest rates as effective, increasing confidence in the work of the entire banking system, but also seem to see the current context as less uncertain for banks. Caution Is the Watchword in The Financial Services Sector, Especially with Stocks Like Yiren Digital Ltd As a result of effective monetary policy, it should now be easier for banks to classify loans according to their risk and anticipate losses on loans that may not fare well in 2023 and beyond if a recession hits, as economists predict. On the other hand, this situation could lead to an underestimation of the investment risk in the financial services sector. Investors should exercise great caution anyway. When even companies with strong balance sheets and good profitability need to be very careful in assessing future risks, it is easy to imagine the impact the current economic slowdown could have on less proactive financial stocks. One such vulnerable stock in the financial services sector could be Yiren Digital Ltd. (YRD). This is a Chinese credit services operator, whose revenue and earnings are on a sharp downtrend amid a gloomy Chinese outlook for securities investment and consumer and business credit. Yiren Digital Ltd in The Financial Services Sector Yiren Digital Ltd., based in Beijing, People's Republic of China, operates an online consumer finance marketplace that facilitates connections between borrowers and investors in mainland China. Essentially, around 58-60% of total revenue comes from credit technology solutions sold to businesses. While around 35-36% comes from comprehensive wealth management solutions offered to middle-class Chinese households. Sales and Earnings Are Declining Total revenue is down significantly on a 12-month and quarterly basis. The chart below illustrates the downward trend in 12-month total revenue over the past few quarters. Source: Seeking Alpha For the third quarter of 2022, total revenue was $118.2 million, down nearly 32% year over year. Source: Seeking Alpha Revenue from credit-tech solutions for businesses fell 45% year over year, driven by product optimization the company highlighted in its third-quarter 2022 earnings report. While revenue from the holistic wealth business segment declined nearly 13% as investment products saw a drop in sales volume. Within the holistic wealth business, the company expects the insurance intermediation sub-segment, which is enjoying positive momentum, to grow significantly in the current quarter as it is on track to become a key pillar of Yiren Digital Ltd.'s overall revenues. Regarding the credit technology business, the company says that this segment has higher operational efficiencies and lower borrowing costs after business optimization and expects strong lending volume growth in the current quarter. Company forecasts are optimistic, but the environment will not be favorable at all as the Chinese economy appears to be decelerating worryingly based on some very important economic indicators. The economic picture differs significantly from the scenario forecast by the company in the earnings report for the third quarter of 2022. Recent data on the Chinese economy is not good and the recent fall in the price of various commodities suggests markets are taking this information very seriously. China's economic slowdown is signaled by industrial production and retail sales data. Year-on-year, Chinese industrial production rose 2.2% in November 2022, significantly less than the 5% increase in October. This was the weakest growth in the past 7 months, partly due to China's zero tolerance for the COVID-19 virus and partly due to a downturn in the real estate sector. The sharp fall in industrial production could be a sign that companies are cutting back on investment, leading to lower demand for credit, and could also hurt consumption if accompanied by job cuts. Also, year-on-year, Chinese retail trade fell 5.9% in November 2022, deteriorating dramatically after posting a modest 0.5% decline in October. This was the second straight decline and the sharpest downtrend since May. This index suggests that Chinese consumption is falling sharply, which cannot be reflected in an improved outlook for consumer credit demand. The bottom line is also going down. Net income decreased to $38 million in Q3 2022 [down 84% year over year], Adjusted EBITDA decreased to $51.3 million [down 25% year over year] and net income per American Depositary Shares [ADS] decreased to $0.4 [down 33.3% year over year].
Seeking Alpha • Sep 06

Yiren Digital gains 2% on announcing $20M share repurchase program

Yiren Digital (NYSE:YRD) to repurchase up to $20M worth of its own American depositary shares ("ADSs") representing its ordinary shares. The share repurchase program previously adopted by the Company in 2018 has been simultaneously terminated. Shares up 2.65% premarket.
Seeking Alpha • Aug 30

Yiren Digital GAAP EPS of RMB3.90, revenue of RMB1.02M

Yiren Digital press release (NYSE:YRD): Q4 GAAP EPS of RMB3.90. Revenue of RMB1.02M (-12.1% Y/Y). Total net revenue in 2021 was RMB4,477.9 million (US$702.7 million), compared to RMB3,962.0 million in 2020. revenue from wealth management business in 2021 was RMB1,260.5 million (US$197.8 million), and revenue from credit business in 2021 was RMB3,184.3 million (US$499.7 million). Sales and marketing expenses in 2021 was RMB1,553.3 million (US$243.8 million), compared to RMB1,905.1 million in 2020. Net income in 2021 was RMB1,033.0 million (US$162.1 million), compared to a net loss of RMB692.7 million in 2020. Adjusted EBITDA (non-GAAP) in 2021 was RMB1,338.9 million (US$210.1 million), compared to a loss of RMB73.2 million in 2020. Adjusted EBITDA margin1 (non-GAAP) in 2021 was 29.9%, compared to a loss of 1.8% in 2020. Basic and diluted income per ADS in 2021 were RMB12.2 (US$1.9) and RMB12.1 (US$1.9) respectively, compared to a loss per ADS of RMB7.7 and a diluted loss per ADS of RMB7.7 in 2020. Net cash generated from operating activities in 2021 was RMB158.2 million (US$24.8 million), compared to net cash generated from operating activities of RMB282.0 million in 2020.

Ripartizione dei ricavi e delle spese

Come Yiren Digital guadagna e spende denaro. In base agli ultimi utili dichiarati, su base LTM.

Storico di utili e ricavi

NYSE:YRD Ricavi, spese e utili (CNY Millions )
DataRicaviUtiliSpese G+ASpese di R&S
31 Dec 255,719552,382407
30 Sep 256,2141,2542,374450
30 Jun 256,1381,2922,219509
31 Mar 255,9821,3442,057457
31 Dec 245,8061,5821,995412
30 Sep 245,6281,8221,807295
30 Jun 245,4602,0211,646183
31 Mar 245,2872,1391,403160
31 Dec 234,8962,0801,149149
30 Sep 234,7091,9941,004134
30 Jun 234,2391,7101,0760
31 Mar 233,7161,437918181
31 Dec 223,4351,1951,012152
30 Sep 223,3671,0401,298119
30 Jun 223,7591,0911,7660
31 Mar 224,0831,0372,0880
31 Dec 214,4781,0332,222208
30 Sep 214,6181432,4330
30 Jun 214,409-982,4700
31 Mar 214,038-5312,6610
31 Dec 203,962-6932,9070
30 Sep 205,1652714,1080
30 Jun 206,1984195,1110
31 Mar 207,6608066,1460
31 Dec 198,6171,1566,8240
30 Sep 198,5581,7386,5230
30 Jun 193,0667611,0040
31 Mar 199,4601,4137,8860
31 Dec 1811,2441,5808,9870
30 Sep 1810,7641,0438,7010
30 Jun 186,5681,2354,4110
31 Mar 188,2861,5575,5130
31 Dec 1711,535-18810,3290
30 Sep 174,7901,3032,9210
30 Jun 174,1521,3442,5160
31 Mar 173,7031,3362,2280
31 Dec 163,2381,1161,8920
30 Sep 162,6188201,6430
30 Jun 162,1895761,2960
31 Mar 161,6783799920
31 Dec 151,3142758170
30 Sep 159812335990
30 Jun 156561354360

Guadagni di qualità: YRD ha guadagni di alta qualità.

Margine di profitto in crescita: Gli attuali margini di profitto netti di YRD (1%) sono inferiori rispetto allo scorso anno (27.3%).

Flusso di cassa libero e analisi degli utili

Analisi della crescita degli utili nel passato

Andamento degli utili: YRD è diventata redditizia negli ultimi 5 anni, aumentando i guadagni del 25.4% all'anno.

Accelerare la crescita: YRD ha avuto una crescita negativa degli utili nell'ultimo anno, quindi non può essere confrontata con la sua media quinquennale.

Guadagni vs Settore: YRD ha avuto una crescita negativa degli utili ( -96.6% ) nell'ultimo anno, rendendo difficile il confronto con la media del settore Consumer Finance ( 24.1% ).

Rendimento del capitale proprio

ROE elevato: Il Return on Equity ( 0.6% ) di YRD è considerato basso.

Rendimento delle attività

Rendimento del capitale investito

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Analisi aziendale e situazione dei dati finanziari

DatiUltimo aggiornamento (ora UTC)
Analisi dell'azienda2026/06/12 12:29
Prezzo dell'azione a fine giornata2026/06/12 00:00
Utili2025/12/31
Utili annuali2025/12/31

Fonti dei dati

I dati utilizzati nella nostra analisi aziendale provengono da S&P Global Market Intelligence LLC. I seguenti dati sono utilizzati nel nostro modello di analisi per generare questo report. I dati sono normalizzati, il che può comportare un ritardo nella disponibilità della fonte.

PacchettoDatiTempisticaEsempio Fonte USA *
Dati finanziari della società10 anni
  • Conto economico
  • Rendiconto finanziario
  • Bilancio
Stime di consenso degli analisti+3 anni
  • Previsioni finanziarie
  • Obiettivi di prezzo degli analisti
Prezzi di mercato30 anni
  • Prezzi delle azioni
  • Dividendi, scissioni e azioni
Proprietà10 anni
  • Top azionisti
  • Insider trading
Gestione10 anni
  • Team di leadership
  • Consiglio di amministrazione
Sviluppi principali10 anni
  • Annunci aziendali

* Esempio per i titoli statunitensi, per i titoli non statunitensi si utilizzano forme e fonti normative equivalenti.

Se non specificato, tutti i dati finanziari si basano su un periodo annuale ma vengono aggiornati trimestralmente. Si tratta dei cosiddetti dati TTM (Trailing Twelve Month) o LTM (Last Twelve Month). Per saperne di più.

Modello di analisi e Snowflake

I dettagli del modello di analisi utilizzato per generare questo report sono disponibili sulla nostra pagina Github; abbiamo anche guide su come utilizzare i nostri report e tutorial su Youtube.

Scoprite il team di livello mondiale che ha progettato e realizzato il modello di analisi Simply Wall St.

Metriche di settore e industriali

Le nostre metriche di settore e di sezione sono calcolate ogni 6 ore da Simply Wall St; i dettagli del nostro processo sono disponibili su Github.

Fonti analitiche

Yiren Digital Ltd. è coperta da 8 analisti. 0 di questi analisti ha fornito le stime di fatturato o di utile utilizzate come input per il nostro report. Le stime degli analisti vengono aggiornate nel corso della giornata.

AnalistaIstituzione
Zeyu YaoChina International Capital Corporation Limited
Diying JiChina Renaissance Securities
Yun-Yin WangDBS Bank Ltd