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Yiren digital ltd.YRD.US Overview

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YRD Recent Performance

-0.90%

Yiren digital ltd.

1.79%

Avg of Sector

-0.31%

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YRD Key Information

YRD Financial Forecast

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QuarterlyEPS ForecastQoQMaxMin
2026Q1
2026Q2
2026Q3
2026Q4
2027Q1

YRD Profile

Yiren Digital Ltd., through its subsidiaries, operates as an online consumer finance marketplace that connects borrowers and investors in the People's Republic of China. It provides loan facilitation services; and post-origination services, such as cash processing, collection, and SMS services. The company's loan products portfolio includes unsecured consumer loans; secured consumer loan, which include secured financial leasing, auto-secured, and property-secured loans; and small business loans. It also distributes short-term cash management, mutual fund investment, insurance, and securities and stock products. In addition, the company provides online investor education services, which include a range of investment and trading topics, and various types of training programs on wealth planning, market insights, and investment strategies; consultancy information technology support; referral; and IT, system maintenance, and customer support services. Further, it is involved in the provision of services for financing lease and insurance brokerage businesses. The company offers its products through www.yxpuhui.com, and a wealth management website and mobile application. As of December 31, 2020, it had 60 fixed income products, 810 mutual fund products, and 296 insurance products. The company was formerly known as Yirendai Ltd. and changed its name to Yiren Digital Ltd. in September 2019. Yiren Digital Ltd. was founded in 2012 and is based in Beijing, the People's Republic of China. Yiren Digital Ltd. is a subsidiary of Creditease Holdings (Cayman) Limited.

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YRD FAQ

This disclaimer is provided by TradingValley Inc. and includes any messages, news, research, analysis, prices or other information provided by the Company's website, the application "Growin App" and other services provided through the Company's website. It is only general market information for educational and investment decision-making reference, and does not constitute any investment advice. View Growin Disclaimer

YRD Earnings Table

Unit : USD

QTRNon-GAAP EPSEPS YoYEPS Surprise %SalesSales YoYSales Surprise %NPM
Current
2025Q4
2025Q3
2025Q2
2025Q1
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
14.43
PE Ratio (TTM)
1.80
Forward PE
-
PS Ratio (TTM)
0.05
PB Ratio
0.22
Price-to-FCF
0.37
METRIC
VALUE
vs. INDUSTRY
Gross Margin
88.21%
Net Margin
20.18%
Revenue Growth (YoY)
10.41%
Profit Growth (YoY)
15.21%
3-Year Revenue Growth
22.75%
3-Year Profit Growth
31.56%
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
14.43
PE Ratio (TTM)
1.80
Forward PE
-
PS Ratio (TTM)
0.05
PB Ratio
0.22
Price-to-FCF
0.37
Gross Margin
88.21%
Net Margin
20.18%
Revenue Growth (YoY)
10.41%
Profit Growth (YoY)
15.21%
3-Year Revenue Growth
22.75%
3-Year Profit Growth
31.56%

  • When is YRD's latest earnings report released?

    The most recent financial report for Yiren digital ltd. (YRD) covers the period of 2025Q3 and was published on 2025/09/30. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating YRD's short-term business performance and financial health. For the latest updates on YRD's earnings releases, visit this page regularly.

  • Where does YRD fall in the P/E River chart?

    According to historical valuation range analysis, Yiren digital ltd. (YRD)'s current price-to-earnings (P/E) ratio is 2.18, placing it in the Undervalued zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning conservative. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.

  • What is the operating profit of YRD?

    According to the latest financial report, Yiren digital ltd. (YRD) reported an Operating Profit of 188.22M with an Operating Margin of 12.1% this period, representing a decline of 44.52% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.

  • How is YRD's revenue growth?

    In the latest financial report, Yiren digital ltd. (YRD) announced revenue of 1.55B, with a Year-Over-Year growth rate of 5.13%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.

  • How much cash does YRD have?

    At the end of the period, Yiren digital ltd. (YRD) held Total Cash and Cash Equivalents of 4.26B, accounting for 0.28 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.

  • Does YRD go with three margins increasing?

    In the latest report, Yiren digital ltd. (YRD) achieved the “three margins increasing” benchmark, with a gross margin of 90.4%%, operating margin of 12.1%%, and net margin of 20.4%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess YRD's profit trajectory and future growth potential.

  • Is YRD's EPS continuing to grow?

    According to the past four quarterly reports, Yiren digital ltd. (YRD)'s earnings per share (EPS) shows a declining trend, with the latest EPS at 3.65. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.

  • What are the PEG ratio and PE ratio of YRD?

    The latest valuation data shows Yiren digital ltd. (YRD) has a Price-To-Earnings (PE) ratio of 2.18 and a Price/Earnings-To-Growth (PEG) ratio of -0.12. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.