Yirendai (YRD) Stock Price, News & Analysis

Company Overview

Yiren Digital Ltd. provides financial services through an AI-powered platform in China. Its platform provides a suite of financial and lifestyle services. The company offers financial services, which provides a portfolio of loan products to borrowers; insurance brokerage services; and consumption and lifestyle services, including non-financial products and services to meet various consumer needs. It supports clients at various growth stages, addressing financing needs arising from consumption and production activities, and augmenting the well-being and security of individuals, families, and businesses. 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. operates as a subsidiary of CreditEase Holdings (Cayman) Limited.

Key Stats

• Today's Range: $6.16 to $6.16
• 50-Day Range: $5.64 to $7.45
• 52-Week Range: $4.12 to $9.20
• Volume: 362 shs
• Average Volume: 149,459 shs
• Market Capitalization: $512.07 million
• P/E Ratio: 2.77
• Dividend Yield: 6.75%
• Price Target: N/A
• Consensus Rating: N/A

Yirendai Stock Analysis - MarketRank™

Yirendai scored higher than 61% of companies evaluated by MarketBeat, and ranked 329th out of 659 stocks in the computer and technology sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Yirendai.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Yirendai is 2.77, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 23.68.

Price to Earnings Ratio vs. Sector

The P/E ratio of Yirendai is 2.77, which means that it is trading at a less expensive P/E ratio than the Computer and Technology sector average P/E ratio of about 34.76.

Price to Book Value per Share Ratio

Yirendai has a P/B Ratio of 0.40. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.30% of the float of Yirendai has been sold short.

Short Interest Ratio / Days to Cover

Yirendai has a short interest ratio ("days to cover") of 1, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Yirendai has recently increased by 26.62%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Leadership

Yirendai is a leading dividend payer. It pays a dividend yield of 6.79%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

Yirendai does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Yirendai is 18.69%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.30% of the float of Yirendai has been sold short.

Short Interest Ratio / Days to Cover

Yirendai has a short interest ratio ("days to cover") of 1, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Yirendai has recently increased by 26.62%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 3.2 / 5
• News Sentiment: 0.73

News Sentiment

Yirendai has a news sentiment score of 0.73. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This news sentiment score is similar to the average news sentiment of Computer and Technology companies.

News Coverage This Week

MarketBeat has tracked 4 news articles for Yirendai this week, compared to 2 articles on an average week.

Search Interest

3 people have searched for YRD on MarketBeat in the last 30 days. This is an increase of 200% compared to the previous 30 days.

MarketBeat Follows

1 people have added Yirendai to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Yirendai insiders have not sold or bought any company stock.

Percentage Held by Insiders

42.20% of the stock of Yirendai is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

Only 1.99% of the stock of Yirendai is held by institutions.

YRD Stock Analysis - Frequently Asked Questions

How have YRD shares performed this year?

Yirendai's stock was trading at $4.80 on January 1st, 2025. Since then, YRD stock has increased by 23.5% and is now trading at $5.9260.
View the best growth stocks for 2025 here.

How were Yirendai's earnings last quarter?

Yirendai Ltd. (NYSE:YRD) announced its quarterly earnings results on Thursday, June, 12th. The technology company reported $0.39 earnings per share for the quarter. The technology company earned $214.22 million during the quarter. Yirendai had a trailing twelve-month return on equity of 14.33% and a net margin of 22.48%.
Read the conference call transcript.

When did Yirendai IPO?

Yirendai (YRD) raised $75 million in an initial public offering (IPO) on Friday, December 18th 2015. The company issued 7,500,000 shares at $9.00-$11.00 per share. Morgan Stanley, Credit Suisse and China Renaissance acted as the underwriters for the IPO and Needham & Company was co-manager.

Who are Yirendai's major shareholders?

Top institutional investors of Yirendai include Connor Clark & Lunn Investment Management Ltd. (0.46%), Trexquant Investment LP (0.05%), Acadian Asset Management LLC (0.05%) and XTX Topco Ltd (0.04%).

How do I buy shares of Yirendai?

Shares of YRD stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Yirendai own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Yirendai investors own include NVIDIA (NVDA), Broadcom (AVGO), Meta Platforms (META), Arista Networks (ANET), Adobe (ADBE), ServiceNow (NOW) and Novo Nordisk A/S (NVO).

Company Calendar

• Record date for 5/15 Dividend: 4/30/2025
• Ex-Dividend for 5/15 Dividend: 4/30/2025
• Dividend Payable: 5/15/2025
• Last Earnings: 6/12/2025
• Today: 6/22/2025
• Next Earnings (Estimated): 8/18/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Computer and Technology
• Industry: INTERNET SERVICES
• Sub-Industry: Banking
• Current Symbol: NYSE:YRD
• CIK: 1631761
• Web: www.yirendai.com
• Phone: 861050905315
• Fax: N/A
• Employees: 3,800
• Year Founded: N/A

Profitability

• EPS (Most Recent Fiscal Year): $2.14
• Trailing P/E Ratio: 2.77
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $216.77 million
• Net Margins: 22.48%
• Pretax Margin: 24.98%
• Return on Equity: 14.33%
• Return on Assets: 10.65%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 3.68
• Quick Ratio: 3.68

Sales & Book Value

• Annual Sales: $795.41 million
• Price / Sales: 0.64
• Cash Flow: $2.53 per share
• Price / Cash Flow: 2.34
• Book Value: $14.90 per share
• Price / Book: 0.40

Miscellaneous

• Outstanding Shares: 86,410,000
• Free Float: 49,943,000
• Market Cap: $511.55 million
• Optionable: Optionable
• Beta: 0.76