Yirendai (YRD) Stock Price, News & Analysis

Company Overview

Yirendai Ltd. is a leading fintech platform in China that connects individual borrowers with investors seeking credit assets. Established in 2015 as a spin-off of Lufax Holding Ltd., Yirendai leverages advanced technology and data analytics to facilitate consumer finance transactions. The company operates a fully integrated online ecosystem, encompassing loan origination, risk management, servicing, and collection, all supported by proprietary credit models and automated underwriting tools.

The company’s core offerings include personal installment loans, auto refinancing products, and joint lending programs designed to cater to borrowers across a wide spectrum of credit profiles. By deploying big-data algorithms, machine learning techniques, and multidimensional credit scoring, Yirendai aims to evaluate risk more accurately, optimize loan pricing, and enhance approval efficiency. On the investor side, the platform provides diversified notes, pooled products, and structured credit assets, enabling institutional and retail investors to tailor their risk-return preferences.

Operating primarily in China, Yirendai serves customers in over 2,000 cities and counties, ranging from Tier-1 municipalities to emerging urban and rural markets. The company’s digital infrastructure supports mobile and web channels, offering a seamless application process and real-time account management. Through partnerships with major commercial banks, insurance providers, and payment processors, Yirendai ensures compliance with regulatory standards and promotes greater transparency in consumer lending.

Yirendai’s leadership team combines extensive experience in finance, technology, and risk management. Under the guidance of CEO Jing Yin and a board featuring executives from Lufax and the broader Ping An Insurance Group, the company continues to innovate its product suite, strengthen underwriting capabilities, and expand its market reach. Yirendai remains committed to delivering responsible credit solutions and sustainable growth in China’s evolving consumer finance landscape.

Key Stats

• Today's Range: $5.98 to $6.15
• 50-Day Range: $5.87 to $7.45
• 52-Week Range: $4.12 to $9.20
• Volume: 53,893 shs
• Average Volume: 149,200 shs
• Market Capitalization: $523.21 million
• P/E Ratio: 2.83
• Dividend Yield: 6.61%
• Price Target: N/A
• Consensus Rating: N/A

Yirendai Stock Analysis - MarketRank™

Yirendai scored higher than 59% of companies evaluated by MarketBeat, and ranked 340th out of 657 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 2.83, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.84.

Price to Earnings Ratio vs. Sector

The P/E ratio of Yirendai is 2.83, 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 36.96.

Price to Book Value per Share Ratio

Yirendai has a P/B Ratio of 0.41. 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

0.27% 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 decreased by 12.33%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Leadership

Yirendai is a leading dividend payer. It pays a dividend yield of 6.61%, 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.

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

0.27% 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 decreased by 12.33%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 0.6 / 5
• News Sentiment: N/A

Search Interest

Only 1 people have searched for YRD on MarketBeat in the last 30 days. This is a decrease of -75% 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 shares have increased by 26.1% and is now trading at $6.0550.

How were Yirendai's earnings last quarter?

Yirendai Ltd. (NYSE:YRD) posted its earnings results on Thursday, June, 12th. The technology company reported $0.39 EPS 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 IPO on Friday, December 18th 2015. The company issued 7,500,000 shares at a price of $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.

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: 7/11/2025
• Next Earnings (Estimated): 8/19/2025
• 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 (Trailing Twelve Months): $2.14
• Trailing P/E Ratio: 2.88
• 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: 0.66
• Cash Flow: $2.52 per share
• Price / Cash Flow: 2.41
• Book Value: $14.90 per share
• Price / Book: 0.41

Miscellaneous

• Outstanding Shares: 86,410,000
• Free Float: 49,943,000
• Market Cap: $524.94 million
• Optionable: Optionable
• Beta: 0.72