Yirendai (YRD) Stock Price, News & Analysis

Company Overview

Yirendai, now operating as Yiren Digital Ltd. (NYSE:YRD), is a China-based financial technology company that provides digital financial services to consumers and small-business owners. Its platform uses online applications, data analytics and technology-enabled risk assessment to facilitate access to credit and other financial products.

The company’s activities have historically included consumer lending, financial services and wealth-management offerings. Yiren Digital has also expanded into related services, including insurance and other technology-driven products designed to support individual and small-business financial needs.

Yirendai was established in 2012 as part of the broader CreditEase ecosystem and became a publicly traded company in the United States. The business primarily serves customers in mainland China, with a focus on borrowers and investors who may be underserved by traditional financial institutions. Tang Ning, the founder of CreditEase, has been associated with the company’s leadership since its formation.

Key Stats

• Today's Range: $0.97 to $1.03
• 50-Day Range: $0.93 to $1.25
• 52-Week Range: $0.82 to $6.35
• Volume: 44,790 shs
• Average Volume: 58,070 shs
• Market Capitalization: $87.93 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 7% of companies evaluated by MarketBeat, and ranked 819th out of 853 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 -0.40, 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 -0.40, 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: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.25% 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 2.01, 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 9.37%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

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: 0.6 / 5
• News Sentiment: N/A

Search Interest

1 people have searched for YRD on MarketBeat in the last 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: 10/10/2026
• 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: $817.84 million
• Price / Sales: 0.11
• Cash Flow: $0.12 per share
• Price / Cash Flow: 8.58
• Book Value: $15.35 per share
• Price / Book: 0.07

Miscellaneous

• Outstanding Shares: 87,490,000
• Free Float: 50,568,000
• Market Cap: $87.93 million
• Optionable: Optionable
• Beta: 1.13