Yirendai (YRD) Stock Price, News & Analysis

Company Overview

Yirendai Ltd is a leading fintech credit marketplace in China, offering consumer financing solutions through a digital platform. As a subsidiary of CreditEase, one of the country’s earliest peer-to-peer lending pioneers, Yirendai facilitates connections between individual borrowers and institutional or retail investors. The company’s integrated platform handles borrower screening, credit assessment, risk management and loan servicing to deliver a streamlined, transparent lending experience.

The company provides unsecured personal loans for purposes such as debt consolidation, home improvement and small business investment. In addition to loan origination, Yirendai offers online wealth management products, enabling investors to access diversified consumer credit assets. Yirendai’s technology-driven underwriting process and big data analytics form the core of its risk management framework, helping to match borrower profiles with appropriate funding sources.

Founded in December 2012 and headquartered in Beijing, Yirendai has expanded its services across multiple provinces in mainland China under the oversight of national regulatory authorities. The company maintains partnerships with banks and financial institutions to support funding diversification and regulatory compliance. Backed by a management team with expertise in finance, technology and credit risk, Yirendai is focused on advancing inclusive finance and enhancing the accessibility of consumer credit in China.

Key Stats

• Today's Range: $0.99 to $1.05
• 50-Day Range: $0.83 to $1.52
• 52-Week Range: $0.82 to $6.79
• Volume: 43,697 shs
• Average Volume: 55,386 shs
• Market Capitalization: $88.10 million
• P/E Ratio: N/A
• Dividend Yield: 19.86%
• Price Target: N/A
• Consensus Rating: Sell

Yirendai Stock Analysis - MarketRank™

Yirendai scored higher than 30% of companies evaluated by MarketBeat, and ranked 720th out of 842 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 -0.85, 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 -0.85, 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 0.07. 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

0.22% 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 1.75, 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 39.25%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Leadership

Yirendai is a leading dividend payer. It pays a dividend yield of 19.61%, 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: 3.0 / 5
• News Sentiment: N/A

News Sentiment

Yirendai has a news sentiment score of 1.85. 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 higher news sentiment than the 0.95 average news sentiment score of Finance companies.

News Coverage This Week

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

Search Interest

Only 1 people have searched for YRD on MarketBeat in the last 30 days. This is a decrease of -50% 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: 6/26/2026
• Today: 9/07/2026
• 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.yirendai.com
• Phone: 861050905315
• Fax: N/A
• Employees: 3,800
• 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: 8.67
• Book Value: $15.35 per share
• Price / Book: 0.07

Miscellaneous

• Outstanding Shares: 87,490,000
• Free Float: 50,568,000
• Market Cap: $88.10 million
• Optionable: Optionable
• Beta: 1.14