Yiren Digital (YRD) Stock Price
Yiren Digital Price
Revenue has compounded at 68.2% per year over the past 11 years to 39.33 B CNY. Earnings per share have grown at 16.2% per year over the last 9 years. Yiren Digital's net margin stands at 27.3%, up from -17.5% several years earlier. Yiren Digital currently offers a dividend yield of about 4.59%. The payout ratio is around 2% of earnings. The dividend has grown at 44.8% per year over the past 7 years. Analysts set a median price target of 13.39 CNY, implying 207.7% above the current price. Of 8 analysts, 0 rate the stock a buy — an overall Sell consensus.
Yiren Digital stock price
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Yiren Digital business model & stock analysis
Frequently asked questions about Yiren Digital
The business model of Yiren Digital Ltd focuses on providing financial technology solutions and services in China. As a leading online consumer finance marketplace, Yiren Digital connects borrowers and investors through its platform, facilitating peer-to-peer lending and wealth management transactions. The company utilizes advanced technology and big data analytics to assess the creditworthiness of borrowers, enabling them to access customized loan products and investment opportunities. Yiren Digital aims to provide efficient and convenient financial services to individuals and small businesses, while also mitigating risks through its stringent risk management and control systems.
Yiren Digital Ltd is primarily active in the financial technology (fintech) industry. As a leading online consumer finance marketplace in China, the company utilizes technology to connect borrowers and investors. Yiren Digital Ltd offers a wide range of lending products and services, including unsecured loans, secured loans, and wealth management solutions. With its innovative technology platform, Yiren Digital Ltd has revolutionized the lending industry by improving efficiency and expanding access to credit for individuals and small businesses in China.
The main competitors of Yiren Digital Ltd in the market are (Answer: Company XYZ, Company ABC, and Company DEF).
Yiren Digital Ltd, also known as Yirendai, is a leading online consumer finance platform in China. Founded in 2012, the company has rapidly grown to become a trusted provider of convenient, accessible, and secure lending services. Yirendai's innovative business model combines extensive online customer acquisition capabilities, risk assessment technologies, and efficient operational processes. The company focuses on facilitating small credit for individuals and connecting borrowers with investors seeking attractive returns. As a pioneer in China's peer-to-peer (P2P) lending industry, Yirendai has successfully served millions of customers while maintaining a strong commitment to regulatory compliance and superior customer experience.
Yiren Digital Ltd has achieved several significant milestones in its history. One standout achievement was the company's successful initial public offering (IPO) on the New York Stock Exchange in 2015. This marked a major milestone for Yiren Digital Ltd, as the IPO raised substantial capital and brought increased visibility to the company in the global financial market. Additionally, Yiren Digital Ltd has consistently expanded its customer base and diversified its product offerings, solidifying its position as a leading fintech platform in China. The company's commitment to innovation and technology-driven solutions has also enabled it to stay at the forefront of the digital lending industry.
Yiren Digital Ltd is primarily present in China.
Yiren Digital Ltd represents core values of integrity, innovation, and inclusiveness. As a leading fintech company in China, Yiren Digital focuses on providing inclusive financial services to individuals and small businesses. With its advanced technology and extensive network, Yiren Digital is dedicated to facilitating financial connectivity and improving financial inclusion in China. The company's corporate philosophy emphasizes customer-centricity, continuous improvement, and responsible lending practices. By leveraging its expertise in online marketplace lending, Yiren Digital aims to empower borrowers and investors alike, fostering a more inclusive and sustainable financial ecosystem.
Analysts currently set an average price target of 13.39 CNY for the Yiren Digital stock (median: 13.39 CNY), implying +207.7 % versus the latest price. The consensus is based on 8 analyst ratings.
8 analysts currently rate the Yiren Digital stock: 0 recommend buying, 2 holding and 6 selling. For 2026, analysts expect Yiren Digital to generate revenue of 5.44 B CNY and earnings per share of 21.44 CNY.
Converted at the current exchange rate, the Yiren Digital share trades at 0.58 EUR (4.35 CNY).
The Yiren Digital share (YRD) is listed on 3 stock exchanges, including: NYSE (YRD), Frankfurt (19YA.F), München (19YA.MU).
Yiren Digital Ltd. is a Chinese company that was founded in Beijing in 2005. It offers an online credit platform called CreditEase, targeting individual and small business customers. Yiren Digital Ltd. was acquired by CreditEase Corporation with foreign participation in 2010. The products and services of Yiren Digital Ltd. are aimed at individuals and small businesses who do not have access to traditional banking services and loans. It is a peer-to-peer platform (P2P) offering various types of loans and investments. The different divisions of Yiren Digital Ltd. include: 1. Consumer Credit - Offering various types of personal loans such as auto loans, credit card loans, and debt consolidation loans. 2. Small Business Credit - Providing credit products for small and medium-sized businesses such as working capital loans, equipment loans, and franchise financing. 3. Wealth Management - Offering investment products such as fixed-income securities, investment funds, asset management, and private equity funds. 4. Payment and Clearing - Providing online payment services and clearing services for businesses and consumers to conduct cashless transactions. Yiren Digital Ltd. leverages advanced technology and innovative approaches to provide efficient services. The company has a state-of-the-art risk assessment and credit lending system and utilizes data analysis tools and machine learning algorithms to evaluate risks and improve service effectiveness. By collaborating with local banks and other certified partners, loans can be effectively disbursed on the platform. Yiren Digital Ltd. can also offer investment products by leveraging credit histories and risk assessments. The company also offers a mobile application for smartphones to enhance user experience and make the company more accessible to its target audience. Overall, the business model of Yiren Digital Ltd. aims to provide an alternative to traditional banking services and credit opportunities. Through innovative approaches, technological advancements, and strong partnerships, the company can better serve customers and meet their financial needs more efficiently.
The expected revenue of Yiren Digital is 5.44 B CNY. This figure is based on current financial data and reflects the company's business performance.
The expected profit of Yiren Digital is 3.75 B CNY. The net profit reflects the company's profitability after deducting all expenses.
The price-to-earnings ratio (P/E) of Yiren Digital is currently 0.20. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the Yiren Digital stock.
The price-to-sales ratio (P/S) of Yiren Digital is currently 0.14. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the Yiren Digital stock.
The Eulerpool Quality Score for Yiren Digital is 6/10.
The ISIN of Yiren Digital is US98585L1008. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.
The WKN of Yiren Digital is A2AC13. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.
The ticker of Yiren Digital is YRD. The ticker symbol is used to trade Yiren Digital shares on the stock exchange.
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All fundamentals and in-depth analysis of Yiren Digital
Our stock analysis for Yiren Digital stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Yiren Digital. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.