Yirendai (YRD) Stock Price, News & Analysis

Company Overview

Yirendai, now known as Yiren Digital Limited, is a China-based fintech company that provides digital financial services. The company operates an online platform focused primarily on consumer finance, helping individual borrowers access credit and providing related financial products and services through digital channels.

Founded in 2012 as a subsidiary of CreditEase, Yirendai was among the early Chinese online lending platforms to access international public markets. In response to regulatory changes affecting China’s peer-to-peer lending industry, the company broadened its business beyond its original online lending marketplace and developed additional consumer finance and wealth management offerings.

Yiren Digital primarily serves customers in mainland China. Its broader platform has included personal lending, wealth management and related financial services, with technology used to support customer acquisition, credit assessment, loan facilitation and servicing. The company was founded by Tang Ning, who is associated with CreditEase and has served as its chairman and chief executive officer.

Key Stats

• Today's Range: $0.34 to $0.36
• 50-Day Range: $0.36 to $1.05
• 52-Week Range: $0.34 to $5.43
• Volume: 47,542 shs
• Average Volume: 1.01 million shs
• Market Capitalization: $30.01 million
• P/E Ratio: N/A
• Dividend Yield: N/A
• Price Target: N/A
• Consensus Rating: Sell

Yirendai Stock Analysis - MarketRank™

Yirendai scored higher than 21% of companies evaluated by MarketBeat, and ranked 778th out of 852 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 0.7 / 5
• Analyst Rating: Sell

Consensus Rating

Yirendai has received a consensus rating of Sell. The company's average rating score is 1.00, and is based on no strong buy ratings, no buy ratings, no hold ratings, and 1 sell rating.

Amount of Analyst Coverage

Yirendai has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 0.6 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Yirendai is -0.13, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Price to Earnings Ratio vs. Sector

The P/E ratio of Yirendai is -0.13, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Price to Book Value per Share Ratio

Yirendai has a P/B Ratio of 0.02. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.30% 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 2.02, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Yirendai has recently decreased by 74.44%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 0.0 / 5
• Dividend Strength: Weak

Dividend Yield

Yirendai does not currently pay a dividend.

Dividend Growth

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

News and Social Media

• Score: 2.5 / 5
• News Sentiment: 0.03

News Sentiment

Yirendai has a news sentiment score of 0.03. 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 is a lower news sentiment than the 0.65 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 16 news articles for Yirendai this week, compared to 1 article 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.

Company Ownership

• Score: 0.7 / 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

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

Company Calendar

• Last Earnings: 9/30/2026
• Today: 11/11/2026
• Next Earnings (Estimated): 11/25/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: Consumer Finance
• Sub-Industry: Consumer Finance
• Current Symbol: NYSE:YRD
• CIK: 1631761
• Web: www.yiren.com
• Phone: 861050905315
• Fax: N/A
• Employees: 981
• Year Founded: 2012

Profitability

• EPS (Trailing Twelve Months): ($2.50)
• Trailing P/E Ratio: N/A
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $7.80 million
• Net Margins: -35.36%
• Pretax Margin: -37.39%
• Return on Equity: -17.30%
• Return on Assets: -11.97%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 3.26
• Quick Ratio: 3.26

Sales & Book Value

• Annual Sales: $4.30 billion
• Price / Sales: 0.01
• Cash Flow: $0.11 per share
• Price / Cash Flow: 3.17
• Book Value: $15.35 per share
• Price / Book: 0.02

Miscellaneous

• Outstanding Shares: 87,488,000
• Free Float: 50,568,000
• Market Cap: $30.01 million
• Optionable: Optionable
• Beta: 1.24