Yiren Digital Ltd. (YRD) stock

YRDNYSEFinance ServicesFiscal year ends December 31

Financials through fiscal 2025, year ended Dec 31, 2025Last filing: 20-F on Apr 29, 2026Score 5/30

$0.32−0.03 (-7.74%)

Close on Nov 12, 2026Market cap $27.60MP/E 3.4Yield –

Yiren Digital statistics

84 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.

Important dates

Next earnings: –
Last ex-dividend date: Apr 30, 2025
Fundamentals through: Dec 31, 2025
Share price as of: –

Valuation ratiosIndustry

Market Cap: CN¥184.26M; CN¥485.60M
Enterprise Value: -CN¥3.15B; CN¥2.78M
PE Ratio: 3.38; 0.92
PS Ratio: 0.03; 0.57
PB Ratio: 0.02; 0.16
P/TBV Ratio: 0.02; 0.16
P/FCF Ratio: 0.27; 0.78
P/OCF Ratio: 0.26; 0.88

Enterprise valuationIndustry

EV / Sales: -0.55; 0.10
EV / FCF: -4.65; -0.31

Share statisticsIndustry

Shares Outstanding: 175M; 469M
Shares Change (YoY): -0.02%; 2.86%
Float: 29M; 195M
Shares Held by Insiders: 83.6%; 40.2%
Shares Held by Institutions: 1.17%; 0.29%

Short sellingIndustry

Short Interest: 655,137; –
Short Interest Change: -74.4%; -10.7%
Days to Cover: 2.02; 1.60

Stock price statisticsIndustry

Price Change (1 Week): -12.8%; -5.68%
Price Change (1 Month): -51.4%; -20.2%
Price Change (3 Months): -73.4%; -39.0%
Price Change (6 Months): -84.0%; -60.7%
Price Change (YTD): -91.5%; -73.3%
Price Change (1 Year): -94.2%; -76.7%
Price Change (3 Years): -86.0%; -70.8%
Price Change (5 Years): -91.4%; -91.4%
Price Change (10 Years): -98.9%; –
Average Volume (10 Days): 111,314; –
Average Volume (20 Days): 223,653; –
Average Volume (90 Days): 2M; –
Relative Volume: 0.07; 0.24
Relative Strength Index (14): 25.1; 37.0
Volatility (1 Year): 118.9%; 74.2%
Beta (5 Years): 1.09; 1.04

MarginsIndustry

Operating Margin: -103.9%; -47.7%
Pretax Margin: -0.66%; 19.3%
Profit Margin: 0.95%; 24.7%
EBITDA Margin: -103.7%; 8.39%
FCF Margin: 11.9%; 56.5%

Returns on capitalIndustry

Return on Equity (ROE): 0.58%; 6.18%
Return on Assets (ROA): 0.41%; 5.43%
Return on Invested Capital (ROIC): -80.7%; -1.07%

Financial positionIndustry

Debt / Equity: 0.00; 0.09
Debt / FCF: 0.01; 0.30

GrowthIndustry

Revenue Growth (YoY): -1.49%; -2.45%
Net Income Growth (YoY): -96.6%; 26.0%
EPS Growth (YoY): -96.6%; 11.8%
FCF Growth (YoY): -52.1%; -6.77%
Revenue Growth (3Y CAGR): 18.5%; 0.93%
Revenue Growth (5Y CAGR): 7.62%; 4.83%
EPS Growth (3Y CAGR): -64.2%; 15.5%

EfficiencyIndustry

Asset Turnover: 0.43; 0.14
Revenue Per Employee: CN¥52.96M; CN¥720.85K
Profits Per Employee: CN¥504.91K; CN¥753.86K
Employee Count: 108; 643
WACC: 10.1%; 8.55%

Income statement (TTM)Industry

Revenue: CN¥5.72B; CN¥2.86B
Operating Income: -CN¥5.94B; -CN¥85.75M
Pretax Income: -CN¥38.02M; CN¥483.15M
Net Income: CN¥54.53M; CN¥708.63M
EBITDA: -CN¥5.93B; CN¥11.27M
EPS (Diluted): 0.31 CNY; 1.92 CNY

Balance sheetIndustry

Cash & Short-Term Investments: CN¥3.35B; CN¥2.16B
Total Debt: CN¥9.09M; CN¥409.53M
Net Cash (Debt): CN¥3.34B; CN¥1.13B
Net Cash Per Share: 19.12 CNY; 1.85 CNY
Equity (Book Value): CN¥9.27B; CN¥8.55B
Book Value Per Share: 53.08 CNY; 18.94 CNY
Tangible Book Value: CN¥9.27B; CN¥8.53B

Cash flow (TTM)Industry

Operating Cash Flow: CN¥703.62M; CN¥980.49M
Capital Expenditures: -CN¥25.74M; -CN¥84.19M
Free Cash Flow: CN¥677.88M; CN¥677.88M
FCF Per Share: 3.88 CNY; 3.08 CNY

Dividends and yieldsIndustry

Earnings Yield: 29.6%; 41.1%
FCF Yield: 367.9%; 128.1%
Buyback Yield: 0.12%; 12.0%
Shareholder Yield: 0.12%; 12.0%
Payout Ratio: 500.9%; –
FCF Payout Ratio: 40.3%; –

Taxes and interestIndustry

Income Tax: -CN¥97.11M; CN¥173.99M

Scores and fair valueIndustry

Graham Number: 19.31 CNY; 33.14 CNY
Graham Upside: 1730.6%; 1459.0%
Altman Z-Score: -0.57; 0.94
Piotroski F-Score: 5; 5

Total return vs. the S&P 500

Price change plus reinvested dividends, to the close on Nov 12, 2026. The S&P 500 is measured by the SPY fund.

Period	YRD	S&P 500	Difference	YRD per year	S&P 500 per year
1 month	-43.5%	-2.7%	−40.8 pts
3 months	-73.7%	-1.7%	−71.9 pts
Year to date	-91.5%	+11.9%	−103.4 pts
1 year	-94.1%	+12.0%	−106.1 pts
3 years	-84.8%	+78.2%	−163.0 pts	-46.7%	+21.2%
5 years	-90.8%	+73.2%	−164.0 pts	-37.9%	+11.6%
10 years	-98.8%	+309.6%	−408.4 pts	-35.7%	+15.1%

Short interest

Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.

1M YRD shares were sold short on Oct 30, 2026, down 74.4% from the previous report. At recent volumes it would take 2.0 days to buy them back. Over the last 20 sessions, 54.6% of the volume reported to FINRA was short selling.

Settlement date	Shares short	Change	Avg. daily volume	Days to cover
Oct 30, 2026	655,137	-74.4%	324,150	2.0
Oct 15, 2026	2,563,242	+1932.2%	12,592,145	1.0
Sep 30, 2026	126,131	+9.4%	62,627	2.0
Sep 15, 2026	115,329	+12.5%	53,777	2.1
Aug 31, 2026	102,542	-8.7%	50,095	2.0
Aug 14, 2026	112,299	-39.2%	64,206	1.8
Jul 31, 2026	184,848	-11.8%	52,193	3.5
Jul 15, 2026	209,482	+21.3%	6,139,026	1.0
Jun 30, 2026	172,630	+45.8%	111,912	1.5
Jun 15, 2026	118,373	+68.0%	145,137	1.0
May 29, 2026	70,473	+15.1%	232,099	1.0
May 15, 2026	61,239	-26.0%	66,267	1.0

Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.

Where these numbers come from

Parsed from the XBRL in Yiren Digital's annual and quarterly filings with the SEC
Per-share figures adjusted for the 3-for-2 split on May 15, 2020
Fourth quarters derived from the annual report minus nine months
Every figure in the statements links to its source filing

Against peers

Trailing twelve months. Peers are matched on business description, industry and size. Ticks are peers, the dot is YRD.

Compare: YRD vs LU · YRD vs XYF · YRD vs LX · YRD vs JFIN · YRD vs QFIN

Company	Revenue	Growth
QFIN	CN¥16.55B	-0.5%
YRD	CN¥5.72B	-1.5%
LU	–	–
XYF	–	–
LX	–	–
JFIN	–	–

Company

Exchange: NYSE
Industry: Finance Services
Fiscal year ends: December 31
Employees: 108
Held by institutions: 1.2%
Auditor: Wei, Wei & Co., LLP
SEC CIK: 1631761

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