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    Y

    Yirendai Ltd (YRD)

    Official site

    FINANCIAL SERVICES • CREDIT SERVICES • NYSE

    $0.77
    +0.13 (+19.29%)

    Market Cap: $48.95M

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    37%(10/27)
    Avg Surprise
    -63.49%
    PeriodReportedEst.SurpriseB/MYoY
    Sep 26
    Reported Oct 1
    		$N/AN/AN/ABeat-
    Jun 26
    Reported Sep 30
    		$-0.75N/AN/ABeat-232.1%
    Mar 26
    Reported Jun 11
    		$-0.82N/AN/ABeat-128.8%
    Dec 25
    Reported Mar 19
    		$-1.43$0.00N/AMiss-137.5%
    Sep 25
    Reported Nov 25
    		$0.51$0.00N/ABeat-10.1%
    Jun 25
    Reported Aug 21
    		$0.57N/AN/ABeat-12.3%
    Mar 25
    Reported Jun 12
    		$2.85N/AN/ABeat+69.4%
    Dec 24
    Reported Mar 20
    		$3.81N/AN/ABeat+326.9%
    Sep 24
    Reported Nov 20
    		$0.56N/AN/ABeat-90.9%
    Jun 24
    Reported Aug 20
    		$0.65$0.00N/ABeat-78.0%
    Mar 24
    Reported Jun 21
    		$1.68$0.00N/ABeat-29.0%
    Dec 23
    Reported Mar 21
    		$0.89N/A-86.16%Miss+2874.7%
    Sep 23
    Reported Nov 21
    		$6.20$6.22-0.32%Miss+20566.7%
    Jun 23
    Reported Aug 17
    		$2.94$2.94+0.00%Beat+52.3%
    Mar 23
    Reported Jun 9
    		$2.37$2.37+0.00%Beat+596.2%
    Dec 22
    Reported Mar 16
    		$0.03N/A-87.50%Miss-95.1%
    Sep 22
    Reported Nov 22
    		$0.03N/A-87.50%Miss-93.1%
    Jun 22
    Reported Aug 30
    		$1.93$1.50+28.67%Beat+63.6%
    Mar 22
    Reported May 25
    		$0.34N/A-72.10%Miss+105.1%
    Dec 21
    Reported Dec 31
    		$0.61N/AN/ABeat+85.6%
    Sep 21
    Reported Nov 24
    		$0.44N/A-76.13%Miss-82.2%
    Jun 21
    Reported Aug 19
    		$1.18$1.31-9.92%Miss+147.2%
    Mar 21
    Reported Apr 1
    		$-6.66$0.52-1380.77%Miss-22300.0%
    Dec 20
    Reported Mar 31
    		$0.33$0.00N/ABeat-46.4%
    Sep 20
    Reported Nov 26
    		$2.45$0.57+329.82%Beat+600.0%
    Jun 20
    Reported Aug 27
    		$-2.50$1.15-317.39%Miss-1187.0%
    Mar 20
    Reported Jun 23
    		$0.03N/A-86.96%Miss-94.6%
    Dec 19
    Reported Mar 25
    		$0.61$0.23+165.22%Beat-22.8%
    Sep 19
    Reported Nov 14
    		$0.35$0.48-27.08%Miss+0.0%
    Jun 19
    Reported Jul 10
    		$0.23N/A-63.49%Miss-53.1%
    Mar 19
    Reported Mar 31
    		$0.56$0.58-3.45%Miss-21.1%
    Dec 18
    Reported Mar 25
    		$0.79$0.60+31.67%Beat-31.9%
    Sep 18
    Reported Nov 12
    		$0.35$0.52-32.69%Miss-52.7%
    Jun 18
    Reported Aug 28
    		$0.49$0.71-30.99%Miss-25.8%
    Mar 18
    Reported May 24
    		$0.71$1.00-29.00%Miss-16.5%
    Dec 17
    Reported Mar 14
    		$1.16$0.89+30.34%Beat+27.5%
    Sep 17
    Reported Nov 14
    		$0.74$0.79-6.33%Miss-
    Jun 17
    Reported Aug 1
    		$0.66$0.58+13.79%Beat-
    Mar 17
    Reported May 21
    		$0.85$0.63+34.92%Beat-
    Dec 16
    Reported Mar 15
    		$0.91$0.61+49.18%Beat-

    Dividends

    Dividend Metrics

    Forward Yield0.00%
    Forward Annual Dividend$0.00
    Payout Ratio0.00%
    FrequencySemi-Annual
    Pay MonthsOct

    Key Metrics

    Valuation
    P/E RatioN/AEV/EBITDAN/A
    Price/FCFN/AFCF YieldN/A
    Profitability
    Profit Margin-34.50%Operating Margin-13.30%
    ROE-17.70%ROIC-8.62%
    Financial Health
    Debt/Equity0.00xInterest CoverageN/A
    Current Ratio13.88xQuick Ratio13.88x
    Trading Statistics
    Beta1.12Avg Volume6.31M
    52-Week High$6.1052-Week Low$0.35

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$0.84
    SMA 20$0.91
    SMA 50$1.02
    SMA 200$2.04
    EMA 10$0.79
    EMA 20$0.87
    EMA 50$1.00
    EMA 200$2.04

    MACD

    Line: -0.09Signal: -0.06Hist: -0.03

    ADX

    ADX: 24.5+DI: 24.0-DI: 36.0

    Aroon & PSAR

    Aroon Up76.0
    Aroon Down92.0
    PSAR$0.99

    Bollinger Bands

    Upper Band$1.24
    Lower Band$0.58
    %B Position7243%(Upper)
    Band Width0.30

    RSI (14-Day)

    Neutral
    43.0

    Momentum Oscillators

    Stoch %K39.1
    Stoch %D29.7
    Williams %R-39.6
    ROC (10d)-15.4%
    Momentum-0.14
    CCI (20d)-96.5
    MFI (14d)98.5

    Volatility Measures

    ATR (14d)$0.12(15.5%)
    StdDev (20d)0.16
    Hist Vol247.9%(High)

    Volume Flow

    VWAP$0.74
    OBV186.1M
    AD Line-7.6M
    CMF (20d)-0.089

    Volume Metrics

    Avg Vol (20d)6.9M
    Vol Ratio0.8x
    VWMA (20d)$0.66

    Pivot Points

    R3$0.92
    R2$0.84
    R1$0.74
    Pivot Point$0.66
    S1$0.56
    S2$0.48
    S3$0.38

    Advanced Oscillators

    TSI-28.40
    Ultimate Osc45.6
    KST-177.30

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$903.36M$915.14M$945.45M$1.55B$1.67B$1.55B$1.45B$1.48B$1.50B$1.38B$1.27B$1.31B
    Cost of Revenue$197.24M$197.55M$256.80M$149.91M$160.86M$224.74M$197.23M$205.91M$246.54M$233.27M$184.70M$245.36M
    Gross Profit$706.12M$717.59M$688.65M$1.41B$1.51B$1.33B$1.25B$1.27B$1.25B$1.14B$1.09B$1.07B
    Operating Expenses$1.14B$469.43M$732.66M$757.05M$1.13B$1.02B$1.16B$933.90M$532.87M$571.01M$407.40M$371.97M
    R&D$0$108.93M$121.41M$91.51M$107.69M$85.95M$164.70M$150.84M$55.81M$40.52M$47.59M$38.98M
    SG&A$0$70.50M$1.66B$104.42M$78.86M$95.84M$794.47M$80.10M$68.67M$83.67M$50.51M$53.52M
    Operating Income$-437,392,540$248.16M$-44,014,011$648.01M$381.50M$307.48M$295.79M$339.27M$717.13M$573.80M$687.10M$693.44M
    Interest Income$0$0$69.40M$184.82M$48.19M$24.21M$47.71M$58.30M$0$27.71M$0$0
    Interest Expense$0$705.85M$1.07B$274.32M$0$33.50M$0$0$215.56M$0$0$0
    Income Before Tax$-425,011,311$-457,690,000$-1,111,898,710$373.69M$421.42M$273.98M$342.15M$400.11M$501.56M$617.66M$712.09M$716.33M
    Income Tax Expense$25.08M$37.02M$-241,917,304$56.05M$63.88M$26.35M$0$44.66M$92.04M$131.78M$140.82M$161.92M
    Net Income$-447,270,100$-493,541,000$-869,981,406$317.64M$357.54M$247.51M$331.45M$355.44M$409.53M$485.88M$571.27M$554.41M
    EBITDA$-421,296,346$251.72M$-1,107,206,382$651.26M$384.14M$309.77MN/A$341.67M$440.23M$575.70M$687.10M$695.12M
    EBIT$-425,011,311$248.16M$-1,111,898,710$648.01M$381.50M$307.48MN/A$339.27M$438.20M$573.80M$685.29M$693.44M
    * Some calculated fields are derived from available data when not provided by source

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    News

    With about $250M in cash at June 30, Yiren Digital (YRD) reaffirms its buyback plan.

    Yiren Digital (NYSE: YRD) has reaffirmed its share repurchase program of up to $20 million over a 12-month period, originally authorized on July 2...

    Stock Titan•10/15/26•Somewhat-Bullish

    Securities Fraud Investigation Into Yiren Digital Ltd. (YRD) Announced – Shareholders Who Lost Money Urged To Contact The Law Offices of Frank R. Cruz

    The Law Offices of Frank R. Cruz have announced an investigation into Yiren Digital Ltd. (YRD) for possible violations of federal securities laws after the company's stock fell sharply. This decline followed...

    FinancialContent•10/14/26•Bearish

    Why is Yiren Digital Stock Surging Wednesday?

    Yiren Digital (NYSE: YRD) stock surged about 40% on Wednesday after the company provided updates on its operational independence and an investigation involving affiliates of its controlling shareholder. The company...

    Benzinga•10/14/26•Somewhat-Bullish

    Yiren Digital updates investors amid controlling shareholder probe

    Yiren Digital (NYSE: YRD) has provided an update to investors regarding an investigation into its controlling shareholder. The company clarified that the investigation pertains to business activities outside of Yiren...

    StreetInsider•10/14/26•Neutral

    Yiren Digital names acting head after chairman falls under criminal investigation

    Yiren Digital (YRD.US) has appointed Mei Na as acting CEO after its Chairman and CEO, Tang Ning, became subject to a criminal investigation involving affiliated companies. Tang Ning's situation was disclosed through...

    Bamboo Works•10/14/26•Bearish

    YRD Valuation and Fair Value

    Forward P/E
    7.1x
    PEG
    1.2x
    P/B
    0.0x
    See GNG's fair value

    YRD Profitability: Margins, ROIC and FCF

    Gross margin
    81.4%
    Operating margin
    -13.3%
    Net margin
    -34.5%
    ROIC
    -8.6%
    ROE
    -17.7%
    FCF margin
    -210.7%

    YRD Competitors

    CompanyTicker
    Magic Empire Global LimitedMEGL
    Dominari Holdings Inc.DOMH
    Texas Community Bancshares IncTCBS
    YHN Acquisition I Limited Ordinary SharesYHNA
    OFS Capital CorpOFS
    Kentucky First Federal BancorpKFFB
    IB Acquisition Corp. Common StockIBAC
    Heritage Global IncHGBL

    Sector: Financial Services

    YRD Bull Case vs Bear Case

    Bear case

    • YRD has a -34.5% net profit margin.
    • YRD beat EPS estimates in 37.5% of its last 8 reported quarters.
    • YRD's quarterly revenue changed -46.1% year over year.

    YRD Earnings: Beat Rate and Next Report

    Beat rate
    3 of 8 quarters (37.5%)
    Average surprise
    -21.6%

    YRD Dividend

    Forward yield
    0.0%
    Payout ratio
    0.0%
    Pay months
    Oct

    Frequently Asked Questions About YRD

    Does YRD pay dividends?

    Yirendai Ltd (YRD) has a dividend payment track record. See the YRD dividend history page for its current payment status, TTM yield, and recorded payments.

    What is YRD's market cap?

    Yirendai Ltd (YRD) has a market capitalization of $48.95M with a current stock price of $0.77.

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