Yiren Digital Ltd.
Yiren Digital Ltd.
Your view on YRD
Overview
What the company does, where it operates, and who runs it.
About Yiren Digital Ltd.
- Industry
- Financial - Credit Services
- Sector
- Financial Services
- CEO
- Ning Tang
- Headquarters
- Building 9, Beijing, CN
- Industry
- Financial - Credit Services
- Sector
- Financial Services
- CEO
- Ning Tang
- Headquarters
- Building 9, Beijing, CN
Yiren Digital Ltd., through its subsidiaries, operates as an online consumer finance marketplace that connects borrowers and investors in the People's Republic of China. It provides loan facilitation services; and post-origination services, such as cash processing, collection, and SMS services.
The company's loan products portfolio includes unsecured consumer loans; secured consumer loan, which include secured financial leasing, auto-secured, and property-secured loans; and small business loans. It also distributes short-term cash management, mutual fund investment, insurance, and securities and stock products.
In addition, the company provides online investor education services, which include a range of investment and trading topics, and various types of training programs on wealth planning, market insights, and investment strategies; consultancy information technology support; referral; and IT, system maintenance, and customer support services.
Further, it is involved in the provision of services for financing lease and insurance brokerage businesses. The company offers its products through www.yxpuhui.com, and a wealth management website and mobile application. As of December 31, 2020, it had 60 fixed income products, 810 mutual fund products, and 296 insurance products.
The company was formerly known as Yirendai Ltd. and changed its name to Yiren Digital Ltd. in September 2019. Yiren Digital Ltd. was founded in 2012 and is based in Beijing, the People's Republic of China. Yiren Digital Ltd. is a subsidiary of Creditease Holdings (Cayman) Limited.
Media
Infographics, videos, and posts covering the company.
Stock Data
Price chart, volume, and trading data.
Fair Value
What FRC thinks it is worth vs. the current price.
FRC's fair value estimate for Yiren Digital Ltd., and the rating behind it. YRD last traded at $0.98; the estimate is read against that market price. FRC analysts run the firm's valuation model across the companies on this platform to estimate what each one is worth, rather than republishing a consensus average. Shows the current estimate, our rating, and when it was last revised. A free account covers 7 company valuations a month; a paid subscription is unlimited.
Financial Ratios
Profitability, returns, valuation, and leverage ratios.
Valuation, profitability, liquidity and leverage ratios for Yiren Digital Ltd.. Starting points for Yiren Digital Ltd.: EPS -$7.87, beta 1.14 — an Financial - Credit Services name. P/E, P/B, EV/EBITDA, margins, return on equity, current ratio and debt coverage, each shown against the company's own history.
Dividend Analysis
Yield, payout ratio, and dividend coverage metrics.
Dividend history, yield and payout sustainability for Yiren Digital Ltd.. Yiren Digital Ltd. paid $0.44 per share over the last year — a 44.7% yield at the current $0.98 price. Per-share payments, yield over time, payout ratio and growth streak, with coverage measured against free cash flow.
Earnings Analysis
EPS history, beat rate, and upcoming earnings reports.
Reported vs. expected earnings history for Yiren Digital Ltd.. Trailing twelve-month EPS for Yiren Digital Ltd. stands at -$7.87. EPS surprises by quarter, revenue against estimates, and the upcoming reporting date.
Financial Statements
Income statement, balance sheet, and cash flow statements.
Income statement, balance sheet and cash flow history for Yiren Digital Ltd.. Yiren Digital Ltd. has reported as a listed company since 2015. Annual and quarterly filings with period-over-period comparison, so you can trace how revenue, margins and cash generation have moved.
Comparables
List of peer companies in the same industry.
Yiren Digital Ltd. valued side by side against its closest peers. Yiren Digital Ltd. is measured against Financial - Credit Services peers within the Financial Services sector. Peer-relative multiples and operating metrics, so the valuation is read in the context of its own sector rather than in isolation.
Institutional Ownership
PremiumWhich funds and firms own the stock.
Which institutions hold Yiren Digital Ltd., and how their positions are changing. At a $85.5M market value, institutional positions materially move Yiren Digital Ltd.'s register. Top holders, position sizes, and quarter-over-quarter accumulation or distribution from regulatory filings. Included with FRC Premium.
Insider Trading
PremiumRecent buying and selling by company executives.
Buying and selling by Yiren Digital Ltd. executives and directors. Shares of Yiren Digital Ltd. have traded between $4.41 and $8.74 over the past 52 weeks — context for the timing of the transactions below. Insider transactions as disclosed to regulators, with role, size and date — the clearest read on how the people running the company are positioned. Included with FRC Premium.
Senate Trading
PremiumU.S. Senator disclosures filed under the STOCK Act.
U.S. Senate disclosures naming Yiren Digital Ltd.. Yiren Digital Ltd. is a $85.5M Financial Services company. Senators' reported transactions in this security, alongside the fundamentals — a signal most research platforms leave out entirely. Included with FRC Premium.
House Trading
PremiumU.S. Representative disclosures filed under the STOCK Act.
U.S. House of Representatives disclosures naming Yiren Digital Ltd.. Representatives' reported transactions in this security, shown next to the company's fundamentals. Included with FRC Premium.
News
Latest headlines and market coverage.
Latest headlines and company announcements for Yiren Digital Ltd.. Coverage tracks Yiren Digital Ltd. within Financial - Credit Services (Financial Services). Press releases and market coverage, newest first.