YOLFTbeta
Yirendai Ltd

Yirendai Ltd

YRD · NYSE · Financial Services / Credit Services

0.312USD-0.00 (-1.27%)

Price History

Full chart

Market Stats

Previous Close0.316
Open0.333
Day Range0.31 – 0.333
52-Week Range0.82 – 6.79
Volume239.49K
Market Cap88.36M
P/E (TTM)0.00
Forward P/E7.10
EPS-1.17
Dividend Yield27.16%
Beta1.14
50-Day Avg1.09
200-Day Avg2.24

About

Yiren Digital Ltd. provides financial services through an AI-powered Fintech platform in China. Its platform provides a suite of financial and lifestyle services. The company offers credit solutions, insurance brokerage, and others. The company was formerly known as Yirendai Ltd. and changed its name to Yiren Digital Ltd. in September 2019. The company was founded in 2012 and is based in Beijing, the People's Republic of China. Yiren Digital Ltd. operates as a subsidiary of CreditEase Holdings (Cayman) Limited.

Company Details

  • SectorFinancial Services
  • IndustryCredit Services
  • CEOMr. Ning Tang
  • Employees981
  • HeadquartersChina Merchants Bureau Building, Beijing, China, 100022, USA
  • Websitehttps://www.yiren.com

Leadership

  • Mr. Ning TangExecutive Chairman & CEO · b. 1974
  • Mr. Ka Chun HuiChief Financial Officer · b. 1976
  • Ms. Keyao HeDirector of Investor Relations
  • Ms. Bin YangChief Human Resources Officer · b. 1978
  • Ms. Mei ZhaoChief Executive Officer of Yiren Credit
  • Ms. Lydia YuInvestor Relations Officer

Financials

Income Statement

Currency: CNY2013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue18.97M196.53M1.36B3.24B5.54B5.62B8.62B3.96B4.48B3.43B4.90B5.81B5.57B
Growth (%)-+935.73%+590.68%+138.55%+71.20%+1.40%+53.30%-54.02%+13.02%-23.30%+42.54%+18.59%-4.03%
Cost of Revenue7.61M21.82M100.94M180.08M417.88M644.30M665.08M1.10B760.86M776.84M976.17M882.96M790.16M
Gross Profit11.37M174.71M1.26B3.06B5.13B4.98B7.95B2.86B3.72B2.66B3.92B4.92B4.78B
Gross Margin59.92%88.90%92.56%94.44%92.46%88.54%92.28%72.12%83.01%77.38%80.06%84.79%85.82%
Operating Expense61.92M202.38M844.05M1.97B3.45B4.14B6.82B2.91B2.57B1.19B1.32B3.28B2.64B
Operating Income-50.55M-27.68M412.37M1.08B1.68B838.03M1.13B-50.00M1.15B1.47B2.59B1.65B2.15B
Operating Margin-266.43%-14.08%30.38%33.50%30.26%14.91%13.09%-1.26%25.62%42.85%53.00%28.37%38.50%
EBITDA-50.12M-26.54M416.13M1.10B1.70B877.46M1.52B277.46M1.29B1.52B2.60B1.68B-44.31M
EBITDA Margin-264.13%-13.50%30.66%33.83%30.69%15.61%17.67%7.00%28.75%44.39%53.15%28.86%-0.80%
Net Income-50.55M-27.71M284.52M1.12B1.37B966.61M1.16B-692.75M1.03B1.19B2.08B1.58B39.42M
Net Income Margin-266.43%-14.10%20.96%34.48%24.75%17.20%13.41%-17.48%23.07%34.79%42.49%27.25%0.71%
R&D-000000-208.00M151.92M148.75M411.88M406.57M
R&D as % of Total Revenue-0.00%0.00%0.00%0.00%0.00%0.00%-4.64%4.42%3.04%7.09%7.30%
Interest Expense004.95M36.84M114.85M71.30M661.42M1.05B61.62M61.62M---
Interest Expense % of Total Revenue0.00%0.00%0.36%1.14%2.07%1.27%7.68%26.55%1.38%1.79%---

Balance Sheet

Currency: CNY2013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets29.90M402.12M2.20B4.78B7.52B7.52B9.64B6.70B7.74B7.74B10.28B12.98B13.45B
Total Liabilities10.76M178.73M1.22B2.64B4.55B2.40B5.15B2.92B2.92B2.92B2.19B3.44B4.18B
Total Equity19.14M223.39M979.14M2.14B2.97B5.12B4.49B3.78B4.82B4.82B8.09B9.54B9.27B
Cash-1.72M1.38M848.10M968.23M1.86B2.03B3.20B2.47B2.86B2.86B5.79B3.84B3.35B
Total Debt---347.08M511.43M213.28M300.92M867.63M1.10B1.11B23.65M40.77M48.85M
Net Debt1.72M-1.38M-848.10M-968.23M-1.86B-1.84B-2.90B-2.39B-1.76B-1.76B-5.77B-3.80B-3.30B

Cash Flow

Currency: CNY2013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-68.25M-227.04M861.28M2.11B184.07M-3.96B274.17M282.03M158.19M1.85B2.17B1.42B703.62M
Investing Cash Flow-744.64K-3.58M-282.59M-1.42B-1.17B3.30B1.11B-1.80B-346.51M52.56M100.05M-3.11B-1.58B
Financing Cash Flow69.00M232.00M749.92M135.30M2.64B-788.02M-1.15B955.45M427.45M-489.12M-569.28M-277.23M662.60M
Capital Expenditure744.64K3.58M16.40M29.97M217.96M140.73M48.01M13.72M9.40M882.00K4.44M9.19M25.74M
Free Cash Flow-69.00M-230.62M844.88M2.08B-33.88M-4.10B226.16M268.31M148.79M1.85B2.17B1.41B677.88M
Dividends Paid-605.24M2.21M0.33605.24M106.63M00-00122.33M273.13M
FCF to OCF101.09%101.58%98.10%98.58%-18.41%103.55%82.49%95.13%94.06%99.95%99.80%99.35%96.34%
Dividend Paid to FCF--262.44%0.26%0.00%-1786.21%-2.60%0.00%0.00%-0.00%0.00%8.65%40.29%

Earnings

Report DateMar 9, 2016May 11, 2016Aug 9, 2016Nov 15, 2016Mar 15, 2017May 22, 2017Aug 1, 2017Nov 14, 2017Mar 14, 2018May 24, 2018Aug 28, 2018Nov 12, 2018Mar 25, 2019Mar 31, 2019Sep 3, 2019Nov 14, 2019Mar 25, 2020Jun 23, 2020Aug 27, 2020Nov 26, 2020Mar 31, 2021Jun 9, 2021Aug 19, 2021Nov 24, 2021May 25, 2022Aug 30, 2022Nov 22, 2022Mar 17, 2023Jun 9, 2023Aug 17, 2023Nov 22, 2023Mar 22, 2024Jun 21, 2024Aug 20, 2024Nov 19, 2024Mar 20, 2025Jun 12, 2025Aug 18, 2025Nov 19, 2025Mar 26, 2026Jun 25, 2026Sep 30, 2026Oct 1, 2026
EPS Estimate0.120.150.240.190.610.630.580.790.891.000.710.520.600.580.630.480.230.231.150.570.000.521.311.831.221.500.240.242.372.946.226.45------0.000.00---
EPS Actual0.250.340.670.850.910.850.660.741.160.710.490.350.790.560.230.350.610.03-2.502.450.33-6.661.180.440.341.930.030.032.372.946.200.891.680.650.563.812.850.570.51-1.43-0.820.57-
Surprise108.33%126.67%179.17%347.37%49.18%34.92%13.79%-6.33%30.34%-29.00%-30.99%-32.69%31.67%-3.45%-63.49%-27.08%165.22%-86.96%-317.39%329.82%--1380.77%-9.92%-76.13%-72.10%28.67%-87.50%-87.50%0.00%0.00%-0.32%-86.16%-----------
TimingAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-Pre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-market-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-After-hoursPre-marketPre-market-After-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market--Pre-marketPre-market--Pre-market-

Key Statistics & Ratios

Market Cap88.36M
Enterprise Value-273.38M
Trailing P/E0.00
Forward P/E7.10
PEG Ratio1.24
Price / Sales0.02
Price / Book0.07
EPS-1.17
Book Value14.96
Revenue (TTM)5.08B
Gross Profit (TTM)4.32B
EBITDA1.69B
Profit Margin-13.52%
Operating Margin27.12%
Return on Equity-7.42%
Return on Assets8.12%
Shares Outstanding87.49M
Shares Float14.46M
Beta1.14
Dividend Yield27.16%
Dividend Rate0.44
Payout Ratio507.00%

Ownership Breakdown

Institutions
2.59%
Insiders
0.00%
Retail / Other
97.41%

Top Institutional Holders

  • Dimensional Fund Advisors, Inc.
    1.03M1.18%
  • Connor Clark & Lunn Inv Mgmt Ltd
    216.42K0.25%
  • Morgan Stanley - Brokerage Accounts
    213.35K0.24%
  • Renaissance Technologies Corp
    213.14K0.24%
  • Ramsey Quantitative Systems Inc
    132.00K0.15%
  • GSA Capital Partners LLP
    100.74K0.12%
  • Verdad Advisers, LP
    61.98K0.07%
  • Trexquant Investment LP
    58.99K0.07%
  • Public Employees Retirement System Of Ohio
    26.64K0.03%
  • Acadian Asset Management LLC
    25.72K0.03%
  • SmartHarvest Portfolios, LLC
    24.52K0.03%
  • American Century Companies Inc
    24.10K0.03%

Top Fund Holders

  • DFA Emerging Markets Core Equity 2 I
    329.52K0.38%
  • DFA Emerging Markets Value I
    193.76K0.22%
  • DFA Emerging Markets Small Cap I
    139.30K0.16%
  • Rainbow Emerging Markets Equities
    50.00K0.06%
  • Dimensional EM Core Equity Acc
    40.60K0.05%
  • Dimensional Emerging Mkts Val EUR Acc
    39.62K0.05%
  • DFA World ex US Core Equity Instl
    26.71K0.03%
  • DFA International Core Equity Class F
    22.74K0.03%

Dividends

20252×
0.22Sep 30, 20250.22Apr 30, 2025
20241×
0.20Sep 30, 2024
20181×
0.28Apr 27, 2018
20171×
1.50Sep 28, 2017