Yiren Digital Ltd.

YRD | NYSE

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$0.98

$0 (-0.35%)

At close: Sep 21, 2026, 4:00 PM ET

$0.98

$0 (0.00%)

After-hours: Sep 21, 2026, 4:00 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Profile

Market Data

Market Cap $85.2M

Enterprise Value $-1.83B

Beta 1.14

Average Volume 1.08M

Shares Outstanding (Diluted) 43.74M

Shares Change YoY -49.71%

Institutional Ownership 2.40%

Exchange NYSE

ISIN US98585L1008

Price Performance

Price Change 1M -10.9%

Price Change 3M -10.1%

Price Change 6M -45.9%

Price Change YTD -74.4%

Price Change 1Y -83.8%

Price Change 3Y -60.8%

Price Change 5Y -68.6%

1M CAGR (ann.) -22.2%

1Y CAGR (ann.) -83.2%

5Y CAGR (ann.) -20.4%

All-Time CAGR -17.6%

Valuation

PE Ratio -0.30

Forward PE 0.47

PEG Ratio 0.00

Forward PEG 0.01

PS Ratio 0.12

Forward PS 0.10

PB Ratio 0.07

P/FCF Ratio 0.89

P/Adj. FCF Ratio 0.93

P/OCF Ratio -1.41

EV/Sales -0.36

EV/EBIT 3.79

EV/EBITDA 4.13

EV/FCF -2.70

Earnings Yield -358.2%

FCF Yield 118.8%

Adj. FCF Yield 113.5%

Financial Health

Net Cash ¥2.45B

Total Debt ¥35.29M

Cash & Short-Term Investments ¥2.45B

Total Assets ¥12.5B

Current Ratio 9.00

Quick Ratio 9.00

Debt / Equity Ratio 0.00

Debt / EBITDA -0.08

Debt / FCF 0.05

OCF / Debt 19.94

Interest Coverage 0.00

Altman Z-Score 1.60

Piotroski F-Score 3

Margins & Profitability

Gross Profit Margin 85.0%

Operating Profit Margin 12.0%

EBITDA Margin 3.5%

Net Profit Margin -13.5%

FCF Margin 13.3%

Adj. FCF Margin 12.7%

SBC / Revenue 0.6%

SBC Impact (per share) -4.5%

Returns

Return on Assets -5.5%

Return on Equity -7.2%

Return on Invested Capital 9.6%

Return on Capital Employed 10.8%

Return on Tangible Assets -5.5%

Historical Growth (CAGR)

Revenue CAGR 3Y 11.2%

Revenue CAGR 5Y 4.8%

Revenue CAGR 10Y 11.6%

EPS CAGR 3Y -447.4%

EPS CAGR 5Y -81.4%

EPS CAGR 10Y -20.7%

FCF CAGR 3Y -28.4%

FCF CAGR 5Y 22.9%

FCF CAGR 10Y -2.1%

Analyst Forecasts

Analyst Rating Hold

Analyst Count 0

EPS Growth Next 3Y 33.8%

Revenue Growth Next 3Y -7.7%

Earnings Date Nov 24, 2026

EPS Estimate (next Q) $0.03

EPS Growth Est (next Q) -60.1%

Revenue Est (next Q) $31.7M

Revenue Growth Est (next Q) 744.7%

Cash Flow

Operating Cash Flow ¥703.62M

Free Cash Flow ¥677.88M

Adj. Free Cash Flow ¥647.66M

FCF Per Share -$5.22

OCF Per Share -$4.92

OCF/S Ratio -8.5%

Income Statement

Revenue ¥5.1B

Gross Profit ¥4.34B

Operating Income ¥613.93M

EBITDA ¥-443.37M

Net Income ¥-688.35M

EPS (Diluted) -$23.52

Revenue / Employee $5.2M

Profit / Employee $-701.68K

Employees 981