Yirendai (YRD) Stock Price, News & Analysis

Company Overview

Yirendai Limited, now known as Yiren Digital Ltd. (NYSE:YRD), is a China-based financial technology company that provides technology-enabled financial services. The company originally operated as an online consumer lending marketplace, using digital platforms and data-driven tools to connect borrowers with funding sources.

Over time, Yiren Digital expanded its offerings beyond loan facilitation to include wealth management, insurance brokerage and related financial services. Its platforms are designed to serve individual consumers, investors and small-business customers in China, with services intended to support borrowing, investing and broader financial planning needs.

Yirendai was established in 2012 as part of CreditEase, a Chinese financial services group, and completed its initial public offering on the New York Stock Exchange in 2015. The company has been associated with CreditEase founder Tang Ning, who has served in senior leadership roles. In 2022, Yirendai changed its corporate name to Yiren Digital Ltd. as it broadened its business beyond its original online lending operations.

Key Stats

• Today's Range: $0.98 to $1.00
• 50-Day Range: $0.98 to $1.26
• 52-Week Range: $0.82 to $6.79
• Volume: 25,119 shs
• Average Volume: 43,783 shs
• Market Capitalization: $86.88 million
• P/E Ratio: N/A
• Dividend Yield: 20.14%
• Price Target: N/A
• Consensus Rating: Sell

Yirendai Stock Analysis - MarketRank™

Yirendai scored higher than 9% of companies evaluated by MarketBeat, and ranked 826th out of 854 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 -0.84, 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 -0.84, 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 0.06. 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

0.23% 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 2.14, 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 12.47%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Leadership

Yirendai is a leading dividend payer. It pays a dividend yield of 20.19%, 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.

News and Social Media

• Score: 0.0 / 5
• News Sentiment: 0.00

News Coverage This Week

MarketBeat has tracked 4 news articles for Yirendai this week, compared to 1 article on an average week.

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: 6/26/2026
• Today: 9/27/2026
• 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: ir.yiren.com
• Phone: 861050905315
• Fax: N/A
• Employees: 981
• Year Founded: 2012

Profitability

• EPS (Trailing Twelve Months): ($1.18)
• Trailing P/E Ratio: N/A
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $7.80 million
• Net Margins: -14.35%
• Pretax Margin: -15.24%
• Return on Equity: -7.58%
• Return on Assets: -5.21%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 3.07
• Quick Ratio: 3.07

Sales & Book Value

• Annual Sales: $817.84 million
• Price / Sales: 0.11
• Cash Flow: $0.12 per share
• Price / Cash Flow: 8.42
• Book Value: $15.35 per share
• Price / Book: 0.06

Miscellaneous

• Outstanding Shares: 87,490,000
• Free Float: 50,568,000
• Market Cap: $86.88 million
• Optionable: Optionable
• Beta: 1.14