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Yiren Digital
(NYSE:YRD)
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Rating:52Neutral
Price Target:
$0.93
▼(-15.14% Downside)
Action:Reiterated
Date:10/02/26
The score is held back primarily by weakening fundamentals (revenue decline, swing to losses, and negative 2026 TTM operating/free cash flow), and bearish technicals (below key moving averages with negative MACD). Offsetting factors include a strong, low-leverage balance sheet and a cautiously constructive earnings-call outlook highlighting improving credit quality, fast insurance client growth, AI-driven efficiency gains, and a share repurchase authorization, while valuation support from a very high dividend yield is tempered by sustainability concerns amid losses.
Positive Factors
Conservative Balance Sheet
Extremely low leverage gives Yiren Digital meaningful financial flexibility while it restructures its business. A sizeable equity and asset base can help absorb operating volatility, support continued investment in technology, and reduce dependence on external financing over the next several quarters.
Negative Factors
Revenue Contraction and Regulatory Volume Pressure
The sharp revenue decline shows that the core platform is still facing significant volume pressure, with regulation directly affecting credit-solution activity. Unless newer businesses offset this contraction, weaker scale could limit operating leverage and make a durable recovery in earnings more difficult.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative Balance Sheet
Extremely low leverage gives Yiren Digital meaningful financial flexibility while it restructures its business. A sizeable equity and asset base can help absorb operating volatility, support continued investment in technology, and reduce dependence on external financing over the next several quarters.
Read all positive factors
Yiren Digital Key Performance Indicators (KPIs)
Any
Volume of Loans Facilitated
Indicates the total amount of loans processed, reflecting the company's lending capacity and market demand for its financial products.
Indicates the total amount of loans processed, reflecting the company's lending capacity and market demand for its financial products.
Data provided by:
The Fly
The FlyYiren Digital (YRD) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$83.59M
Dividend Yield20.9%
Average Volume (3M)56.11K
Price to Earnings (P/E)―
Beta (1Y)1.42
Revenue Growth-27.36%
EPS Growth-220.29%
CountryUS
Employees981
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)-23.48
Shares Outstanding86,406,490
10 Day Avg. Volume75,189
30 Day Avg. Volume56,114
Financial Highlights & Ratios
PEG Ratio-0.30
Price to Book (P/B)0.24
Price to Sales (P/S)0.40
P/FCF Ratio3.31
Enterprise Value/Market Cap-2.19
Enterprise Value/Revenue-0.04
Enterprise Value/Gross Profit-0.04
Enterprise Value/Ebitda-1.02
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Yiren Digital Business Overview & Revenue Model
Company Description
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...
How the Company Makes Money
Yiren Digital makes money primarily by charging fees for services provided in connection with loans facilitated through its platform. Key revenue streams include (1) transaction and service fees earned when it helps match borrowers and investors a...
Yiren Digital Earnings Call Summary
Earnings Call Date:Sep 30, 2026
(Q2-2026)
| % Change Since: |
Next Earnings Date:Nov 25, 2026
Earnings Call Sentiment Positive
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.Positive Updates
Progress on Technology-Driven, Asset-Light Transformation
Yiren Digital said the quarter marked meaningful progress in its transformation toward a technology-driven, asset-light revenue model increasingly relying on AI, digital distribution, referrals, and higher-value services. The company is moving away from its previous risk-taking lending model to focus more on technology and customer acquisition capabilities.
Negative Updates
Lower Loan Facilitation Volume and Performing Loan Balance
Credit solution loan facilitation volume was RMB 6.3 billion, down 29% quarter-over-quarter, while the outstanding balance of performing loans declined 30% to RMB 15.1 billion. The company said the year-over-year decrease in credit solution revenue primarily reflected lower loan facilitation volume following new regulatory requirements for online loan facilitation.
Read all updates
Q2-2026 Updates
Positive
Negative
Progress on Technology-Driven, Asset-Light Transformation
Yiren Digital said the quarter marked meaningful progress in its transformation toward a technology-driven, asset-light revenue model increasingly relying on AI, digital distribution, referrals, and higher-value services. The company is moving away from its previous risk-taking lending model to focus more on technology and customer acquisition capabilities.
Read all positive updates
Company Guidance
In the second half of this year, Yiren Digital will continue improving product matching, digital customer acquisition, ongoing engagement, and service efficiency across insurance; integrate online and offline channels to expand its customer base and improve retention and revenue quality; protect asset quality while transitioning credit solutions toward a technology-driven and asset-light borrower referral model; and expand AI deployment across customer acquisition, service, risk management, asset recovery, compliance, and internal decision-making, with technology services expected to play a bigger role in diversifying revenue. Management reported loans facilitated of RMB 6.3 billion, performing loans of RMB 15.1 billion, repeat borrowers at 82%, delinquency rates of 2.0%, 2.4%, and 2.5%, approximately 453,000 insurance clients, 918,000 new policies, and gross written premiums of approximately RMB 839 million; AI automation included a human handling rate declining from 45.0%-24.9%, autonomous text-agent resolution increasing from approximately 60% to nearly 80%, and automated quality inspection covering more than 2 million service records each day. The board authorized repurchases of up to 10% of total issue and outstanding ordinary shares and ADSs for an aggregated amount of up to $20 million over the following 12 months, while, assuming Ethereum prices remain at or above this level through the end of the third quarter, management would expect to recognize a substantial fair value gains in the third quarter.Yiren Digital Financial Statement Overview
Summary
Income Statement
44
Neutral
Balance Sheet
83
Very Positive
Cash Flow
41
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Jun 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 5.09B | 5.57B | 5.81B | 4.90B | 3.43B | 4.48B |
| Gross Profit | 4.32B | 4.78B | 4.92B | 3.92B | 2.66B | 3.72B |
| EBITDA | 179.91M | -44.31M | 1.68B | 2.60B | 1.52B | 1.33B |
| Net Income | -688.35M | 39.42M | 1.58B | 2.08B | 1.19B | 1.03B |
Balance Sheet | ||||||
| Total Assets | 12.50B | 13.45B | 12.98B | 10.28B | 8.54B | 7.74B |
| Cash, Cash Equivalents and Short-Term Investments | 2.45B | 3.35B | 4.27B | 6.31B | 5.24B | 3.04B |
| Total Debt | 35.29M | 48.85M | 40.77M | 23.65M | 803.13M | 1.10B |
| Total Liabilities | 3.72B | 4.18B | 3.44B | 2.19B | 2.51B | 2.92B |
| Stockholders Equity | 8.77B | 9.27B | 9.54B | 8.09B | 6.03B | 4.82B |
Cash Flow | ||||||
| Free Cash Flow | -456.36M | 677.88M | 1.41B | 2.17B | 1.85B | 148.79M |
| Operating Cash Flow | -430.62M | 703.62M | 1.42B | 2.17B | 1.85B | 158.19M |
| Investing Cash Flow | -1.46B | -1.58B | -3.11B | 100.05M | 52.56M | -346.51M |
| Financing Cash Flow | 397.59M | 662.60M | -277.23M | -569.28M | -489.12M | 427.45M |
Yiren Digital Technical Analysis
Negative
1.09
Price Trends
1.07
Negative
1.21
Negative
2.19
Negative
Market Momentum
-0.03
Negative
42.02
Neutral
23.33
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For YRD, the sentiment is Negative. The current price of 1.09 is above the 20-day moving average (MA) of 0.99, above the 50-day MA of 1.07, and below the 200-day MA of 2.19, indicating a bearish trend. The MACD of -0.03 indicates Negative momentum. The RSI at 42.02 is Neutral, neither overbought nor oversold. The STOCH value of 23.33 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for YRD.
Yiren Digital Risk Analysis
Yiren Digital disclosed 99 risk factors in its most recent earnings report. Yiren Digital reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 1 New Risks
1.
We may be unsuccessful in expanding and operating our business internationally, which could adversely affect our results of operations. Q4, 2023
Yiren Digital Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $705.54M | 2.51 | 4.56% | 10.55% | -1.89% | -26.81% | |
67 Neutral | $801.67M | 0.91 | 15.36% | 19.20% | -7.92% | -41.54% | |
62 Neutral | $115.26M | 0.74 | 8.64% | 55.77% | -4.17% | -34.34% | |
52 Neutral | $83.59M | -0.17 | -16.95% | 20.90% | -27.36% | -220.29% | |
52 Neutral | $1.14B | -1.32 | -2.80% | 124.43% | ― | ― |
* Financial Sector Average
YRD
Yiren Digital
0.96
-5.64
-85.50%
FINV
FinVolution Group
2.90
-4.04
-58.21%
LX
Lexinfintech Holdings
0.69
-4.28
-86.20%
QFIN
Qifu Technology
6.46
-20.67
-76.19%
LU
Lufax Holding
1.02
-3.07
-75.06%
Yiren Digital Corporate Events
Yiren Digital Posts Q2 2026 Results, Boosts AI Push and Unveils $20 Million Buyback
Sep 30, 2026
In a September 30, 2026 filing, Yiren Digital reported unaudited results for the quarter ended June 30, 2026, showing a deliberate moderation of loan facilitation volume in its credit solution business as it focused on portfolio quality and risk-a...
Yiren Digital Launches US$20 Million Share Repurchase Program
Jul 2, 2026
On July 2, 2026, Yiren Digital announced that its board had authorized a new share repurchase program of up to US$20 million, allowing the company to buy back up to 10% of its issued and outstanding ordinary shares and ADSs over the subsequent 12 ...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.