Yiren Digital (YRDN) Stock Price & Analysis
YRDN Stock Chart & Stats
- Day’s Range
- MXN 9.00 - MXN 9.00
- 52-Week Range
- MXN 9.00 - MXN 111.00
- Previous Close
- MXN 12.58
- Volume
- 0
- Average Volume (3M)
- 0
- Market Cap
- MXN 681.31M
- Enterprise Value
- -MXN 182.95M
- Total Cash (Recent Filing)
- MXN 1.70B
- Total Debt (Recent Filing)
- MXN 33.25M
- Price to Earnings (P/E)
- ―
- Beta
- 0.12
- Next Earnings
- Nov 25, 2026 (Est.)
- EPS Estimate
- N/A
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- N/A
Bulls Say, Bears Say
Bulls Say
Conservative Leverage
Very low leverage limits solvency pressure and preserves financial flexibility while the company reshapes its business. A lightly indebted balance sheet can provide more room to fund technology investment and withstand operating volatility, although profitability remains weak.
Improving Credit Quality
Higher repeat borrowing and lower later-stage delinquency indicate stronger customer retention and improving portfolio quality. These trends support more efficient acquisition, reduce credit-related pressure, and provide a durable foundation for the platform’s transition toward asset-light referral services.
Insurance And AI Diversification
Rapid insurance customer and policy growth, combined with measurable AI efficiency gains and rising technology revenue, broadens the business beyond lending. Greater exposure to brokerage, consulting, and software-like services could improve revenue diversity and operating scalability over time.
Bears Say
Revenue And Profitability Deterioration
The sharp revenue contraction and move from profitability to a substantial net loss weaken earnings quality and reduce internally generated funding for the transformation. Unless growth and margins recover, the deterioration may constrain investment capacity and make future results less predictable.
Severe Cash Burn
Negative operating and free cash flow represent a fundamental strain because the platform is not currently converting activity into cash. Persistent burn could require tighter spending, asset sales, or external funding, limiting strategic flexibility even though leverage is currently low.
Regulatory And Leadership Disruption
Regulatory changes are already reducing lending volume, while the investigation involving the CEO creates governance and management-continuity risk. Even if core operations remain normal, prolonged uncertainty could weaken reputation, execution, partner confidence, and the pace of strategic transformation.
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Yiren Digital Stock Smart Score
Company Description
Yiren Digital
Yiren Digital Ltd., a subsidiary of Creditease Holdings (Cayman) Limited, operates as a leading online consumer finance marketplace connecting borrowers and investors across the People's Republic of China. Founded in Beijing in 2012 and previously known as Yirendai Ltd. until its name change in September 2019, the company's primary function involves facilitating loans. This includes not only the initial matching service but also comprehensive post-origination support, such as cash processing, debt collection, and communication management. Its diverse portfolio of loan products encompasses unsecured consumer credit, various secured consumer loans (including those collateralized by financial leases, automobiles, and real estate), and financing solutions tailored for small businesses. Beyond its lending activities, Yiren Digital also makes available a selection of financial investment products, such as short-term cash management tools, mutual funds, insurance policies, and securities. To further support its clientele, the company provides extensive online investor education services, covering a broad spectrum of investment and trading topics. It also offers specialized training programs focusing on wealth planning, market analysis, and strategic investment approaches. Additionally, Yiren Digital furnishes IT consultancy and support, referral services, system maintenance, and dedicated customer assistance. The firm also extends its operations into financial lease services and insurance brokerage. Customers can access Yiren Digital's offerings through its dedicated website, www.yxpuhui.com, alongside a specialized wealth management portal and a proprietary mobile application. As of December 31, 2020, the company showcased an impressive range of products, featuring 60 fixed income options, 810 mutual fund offerings, and 296 distinct insurance products.
- Sector
- Financial
- Industry
- Financial - Credit Services
- CEO
- Na Mei
- Employees
- 981
- Website
- www.yiren.com
- Address
- China Merchants Bureau Building, Beijing, BE, 100022, CN
Yiren Digital (YRDN) Earnings & Revenues
YRDN Company Deck
YRDN Earnings Call
Earnings Call SentimentPositive
The call conveyed a cautiously positive outlook centered on improved credit quality, strong insurance customer and policy growth, measurable AI operating gains, initial technology revenue traction, and a planned transition toward a more diversified and asset-light business model. However, these developments were accompanied by substantial year-over-year revenue declines, lower lending volumes, a large receivables allowance, a net loss, increased operating cash use, and a lower cash balance. The highlights outweighed the lowlights because management reported improving credit performance, approximately breakeven adjusted operating income, expanding AI commercialization, and continued progress on its transformation.
View all MX:YRDN earnings summariesTechnical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 6 | 1 | 15 |
| Technical Analysis | 6 | 1 | 3 |
| Moving Averages | 0 | 0 | 12 |
