Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
YRD
Strong SellFallen FavouriteYiren Digital Ltd. · Financial Services · China · $103M · Avg Vol: $56K/d
18
StockRankGet insider-trade alerts
Q
52
V
44
M
5
P/E (TTM)
—
ROE
-7.4%
D/E
0.0x
Dividend %
—
COMPANY DESCRIPTION
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.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM |
|---|---|---|---|---|---|---|
| Revenue | 512.9M | 731.1M | 867.0M | 854.1M | 18.5% | 758.2M |
| EPS | 2.04 | 3.52 | 2.73 | 0.07 | -67.6% | -1.17 |
| Shares | 178.6M | 174.7M | 172.6M | 174.7M | -2.2% | — |
| Debt | 119.9M | 3.5M | 6.1M | 7.3M | -60.7% | 5.3M |
| Equity | 900.6M | 1.2B | 1.4B | 1.4B | 15.4% | — |
| Op CF | 276.2M | 324.2M | 212.7M | 105.1M | -27.5% | -64.3M |
| Inv CF | 7.8M | 14.9M | -464.9M | -235.4M | — | — |
| Fin CF | -73.0M | -85.0M | -41.4M | 99.0M | — | — |
Loading 1Y...
PRICE (1Y)-11.2%
SMA 50SMA 200
Close
$0.994
RSI (14)
28.4
52W High
$6.79
From 52W High
0.1%
SCORE BREAKDOWN
Quality
52
ROIC
-7.9%4.5
ROE
-7.4%6.2
GP/Assets
32.1%92.0
Op. Margin
27.1%43.3
FCF/Assets
n/mN/A
Piotroski
658.7
Int. Cover
—N/A
D/E Ratio
0.00x85.7
Current Ratio
21.75x91.1
Value
44
P/E (TTM)
—N/A
EV/EBITDA
n/mN/A
P/FCF
n/mN/A
P/B
0.5x93.3
P/S
—N/A
Div Yield
—N/A
Momentum
5
52W High %
15%1.1
RS 6M
-86%0.2
SMA 50/200
0.47x0.4
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
—N/A
Q Growth
—N/A
FUNDAMENTALS
Market Cap
$103M
P/E (Forward)
—
Gross Margin
85.1%
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of YRD are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| YRD | Yiren Digital Ltd.(you) | $103M | 18 | Strong Sell |
| 2473.HK | XXF Group Holdings Limited | $107M | 16 | Strong Sell |
| 2051.HK | Vala Inc. | $75M | 3 | Strong Sell |
| HTT | High Templar Tech Limited | $408M | 21 | Sell |
| LX | LexinFintech Holdings Ltd. | $194M | 49 | Hold |
| JFIN | Jiayin Group Inc. | $110M | 69 | Buy |
| 6069.HK | SY Holdings Group Limited | $903M | 33 | Sell |
| 603123.SS | Beijing Cuiwei Tower Co., Ltd. | $1.2B | 8 | Strong Sell |
| LU | Lufax Holding Ltd | $1.1B | 29 | Sell |
| 2858.HK | Yixin Group Limited | $1.1B | 37 | Hold |
Peer medians: ROE 8.4% · P/E 7.5x · Gross margin 54.1%