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NYSE · Credit Services · USD

Yiren Digital Ltd. (YRD) Stock Analysis

Yiren Digital Ltd. (YRD) is a Credit Services stock listed on NYSE and quoted in US Dollar.

YRD

$1.02

+$0.01 (+0.99%)

Sep 4, 2026 · Market close

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Price History

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YRD Key Statistics

As of Sep 4, 2026
Trading
Open
$1.00
Previous Close
$1.01
Day's Range
0.99–1.05
52-Week Range
0.82–6.79
Volume
43.70K
BetaHow much the share price moves relative to the wider market. 1.0 moves in line with it; above 1.0 swings more, below 1.0 less.
1.14
Valuation
P/E Ratio
unprofitable
EPS (ttm)Profit attributable to each share over the last twelve months.
−1.17
Financials (FY)
Revenue (FY)
$5.72B−1.49%
Net Income (FY)
$54.53M−96.55%
Profit marginThe share of revenue left as profit after all costs and taxes.
−13.51%
1-Year Return
−82.38%
Dividend and dates
Dividend
$0.44+27.16%
Ex-Dividend Date
September 30, 2025
Earnings Date
September 10, 2026estimated
Avg Volume
1.03M

Only metrics the company reports are shown. Data provided by Yahoo Finance via yfinance. Updated daily.

YRD Stock Return by Calendar Year

Calendar-year returns computed from daily closing prices. Partial years are shown muted and marked with an asterisk.

YearReturn
2026 (partial year)−72.43%
2025−20.27%
2024+60.01%
2023+127.73%
2022−52.10%
2021−14.37%
2020−39.82%
2019−48.37%
2018−75.36%
2017+119.58%
2016 (partial year)−11.75%

As of September 4, 2026.

YRD Revenue and Earnings by Fiscal Year

FY ends December
Fiscal yearRevenueNet incomeNet margin
2025$5.72B$54.53M1.0%
2024$5.81B$1.58B27.3%
2023$4.90B$2.08B42.5%
2022$3.43B$1.19B34.8%
Fiscal yearRevenueGross profitOperating incomeNet incomeNet margin
2025$5.72B$4.93B−$221.76M$54.53M1.0%
2024$5.81B$4.92B$1.65B$1.58B27.3%
2023$4.90B$3.92B$2.59B$2.08B42.5%
2022$3.43B$2.66B$1.47B$1.19B34.8%

Annual figures as reported, in the company's reporting currency. As of December 31, 2025.

YRD Dividend History

$0.22+10.0% vs 2024

Dividends per share, 2025 · 1 payments

YearDividends per sharePaymentsChange
2025$0.221+10.0%
2024$0.201
2018$0.281−81.3%
2017$1.501

Most recent payment: $0.22 per share, ex-dividend April 30, 2025. Per-share amounts summed by calendar year from ex-dividend dates. Partial years are shown muted and marked with an asterisk.

YRD Valuation vs Credit Services Median

Median of 60 stocks
MetricYRDCredit Services medianvs median
Profit margin−13.51%9.99%23.5 pts below

Medians across 60 Credit Services stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of September 4, 2026.

Recent News

News provided by third-party sources. Not financial advice.

Analysis

Data-derived

Company Overview

Yiren Digital Ltd. trades under the ticker YRD. It is classified in the Credit Services industry, within the Financial Services sector. The company reports 981 employees.

Over the past 52 weeks the price has ranged from $0.82 to $6.79. YRD last closed at $1.02 on September 4, 2026. That is +$0.01 (+0.99%) against the previous close. The latest close sits 24.39% above that 52-week low.

Financial Health

In fiscal 2025, Yiren Digital Ltd. reported revenue of $5.72B. That is −1.49% against the prior fiscal year, when revenue was $5.81B. Net income for the same year was $54.53M. That is −96.55% against the prior fiscal year. Profit margin runs at −13.52%. That is 23.5 percentage points below the Credit Services median of 9.99%. Earnings per share on a trailing basis come to −1.17.

Across the 4 fiscal years on file, revenue moves from $3.43B in 2022 to $5.72B in 2025. Of those 4 years, 4 report positive net income.

Valuation Assessment

The record shows negative trailing earnings, so no price-to-earnings ratio is published.

The trailing one-year price return is −82.38%. Measured over 10 years, that is −25.55% a year compounded. Beta against the wider market is reported at 1.14. Annualized volatility over the trailing 10 years is 77.81%.

Growth & Income

Shareholders receive a dividend, yielding 27.16% on the latest price. That is 22.9 percentage points above the Credit Services median yield of 4.22%. The indicated annual rate is $0.44 a share. The ex-dividend date on file is September 30, 2025. Dividends are recorded for 4 calendar years; 2025 shows 1 payments totalling $0.22 a share. The year before, 2024, totalled $0.20 a share.

The strongest complete calendar year on file is 2023 at +127.73%; the weakest is 2018 at −75.36%. Of the 9 complete calendar years on file, 3 finished higher. So far in 2026 the price is −72.43%.

Peer Comparison

Yiren Digital Ltd. (YRD) operates in the Credit Services industry. Here is how it compares to its closest peers by market capitalization:

Company Ticker Market Cap P/E Ratio
Yiren Digital Ltd. YRD
Visa Inc. V $700.27B 31.9
Mastercard Incorporated MA $507.39B 32.3
American Express Company AXP $220.26B 20.0

The Credit Services industry average P/E ratio is 12.5x. Yiren Digital Ltd. has no P/E ratio because it is not currently profitable.

Every figure above is read from this page's own data on each nightly rebuild. Informational only, not financial advice. As of September 4, 2026.

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About Yiren Digital Ltd.

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.

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