YRD Stock Overview
Provides financial services through an AI-powered platform in China. More details
| Snowflake Score | |
|---|---|
| Valuation | 4/6 |
| Future Growth | 0/6 |
| Past Performance | 2/6 |
| Financial Health | 6/6 |
| Dividends | 4/6 |
My Notes
Capture your thoughts, links and company narrative
Yiren Digital Ltd. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$4.73 |
| 52 Week High | US$9.20 |
| 52 Week Low | US$3.02 |
| Beta | 0.71 |
| 1 Month Change | -5.96% |
| 3 Month Change | -35.21% |
| 1 Year Change | 51.60% |
| 3 Year Change | 67.73% |
| 5 Year Change | -15.54% |
| Change since IPO | -48.02% |
Recent News & Updates
Recent updates
Yiren Digital: The Pros Outweigh The Cons
Dec 20Yiren Digital Ltd. (NYSE:YRD) Held Back By Insufficient Growth Even After Shares Climb 26%
Oct 01
Yiren Digital: Dividend Policy And Financial Guidance Draw Attention
Sep 27Yiren Digital: Now A Buy With Strong Results And New Catalyst (Rating Upgrade)
Jun 24Yiren Digital: Spotlight On Capital Return And Corporate Actions
Dec 11Yiren Digital Eyes Further International Expansion In Turnaround
Sep 01Yiren Digital: More Downsides Ahead
Dec 16Yiren Digital gains 2% on announcing $20M share repurchase program
Sep 06Yiren Digital GAAP EPS of RMB3.90, revenue of RMB1.02M
Aug 30Yiren Digital: The Storm Has Passed
Nov 08Yiren Digital: A Breakthrough Quarter For An Emerging Chinese Fintech Leader
Jun 17Yiren Digital reports Q1 results
Jun 09What Type Of Returns Would Yiren Digital's(NYSE:YRD) Shareholders Have Earned If They Purchased Their SharesThree Years Ago?
Mar 16A Look At Yiren Digital's (NYSE:YRD) Share Price Returns
Dec 01Yiren Digital reports Q3 results
Nov 27Shareholder Returns
| YRD | US Consumer Finance | US Market | |
|---|---|---|---|
| 7D | 0.2% | -0.6% | -1.1% |
| 1Y | 51.6% | 45.3% | 22.4% |
Return vs Industry: YRD exceeded the US Consumer Finance industry which returned 45.3% over the past year.
Return vs Market: YRD exceeded the US Market which returned 22.4% over the past year.
Price Volatility
| YRD volatility | |
|---|---|
| YRD Average Weekly Movement | 14.2% |
| Consumer Finance Industry Average Movement | 7.2% |
| Market Average Movement | 6.3% |
| 10% most volatile stocks in US Market | 17.6% |
| 10% least volatile stocks in US Market | 3.1% |
Stable Share Price: YRD's share price has been volatile over the past 3 months compared to the US market.
Volatility Over Time: YRD's weekly volatility (14%) has been stable over the past year, but is still higher than 75% of US stocks.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2012 | 754 | Ning Tang | www.yiren.com |
Yiren Digital Ltd. provides financial services through an AI-powered platform in China. Its platform provides a suite of financial and lifestyle services. The company offers financial services, which provides a portfolio of loan products to borrowers; insurance brokerage services; and consumption and lifestyle services, including non-financial products and services to meet various consumer needs.
Yiren Digital Ltd. Fundamentals Summary
| YRD fundamental statistics | |
|---|---|
| Market cap | US$423.37m |
| Earnings (TTM) | US$249.63m |
| Revenue (TTM) | US$771.04m |
1.6x
P/E Ratio0.5x
P/S RatioIs YRD overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| YRD income statement (TTM) | |
|---|---|
| Revenue | CN¥5.63b |
| Cost of Revenue | CN¥870.43m |
| Gross Profit | CN¥4.76b |
| Other Expenses | CN¥2.94b |
| Earnings | CN¥1.82b |
Last Reported Earnings
Sep 30, 2024
Next Earnings Date
n/a
| Earnings per share (EPS) | 20.96 |
| Gross Margin | 84.53% |
| Net Profit Margin | 32.38% |
| Debt/Equity Ratio | 0% |
How did YRD perform over the long term?
See historical performance and comparisonDividends
8.4%
Current Dividend Yield7%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/30 08:11 |
| End of Day Share Price | 2024/12/30 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .
Analyst Sources
Yiren Digital Ltd. is covered by 12 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Tianli Wen | Blue Lotus Research Institute |
| Munyoung Cha | BNP Paribas Securities (Asia) |
| Zeyu Yao | China International Capital Corporation Limited |