(YRD) Yirendai - Ratings and Ratios

Exchange: NYSE • Country: China • Currency: USD • Type: Common Stock • ISIN: US98585L1008

YRD EPS (Earnings per Share)

This chart shows the EPS (Earnings per Share) of YRD over the last 5 years for every Quarter.

YRD Revenue

This chart shows the Revenue of YRD over the last 5 years for every Quarter.

YRD: Financial Services, Loan Products, Insurance Brokerage, Lifestyle Services

Yiren Digital Ltd. is a pioneering fintech company leveraging AI-driven technology to deliver a comprehensive suite of financial and lifestyle services in China. By harnessing the power of artificial intelligence, the company has established a robust platform that caters to diverse consumer needs, from financial services to lifestyle products. The companys financial services arm provides a range of loan products tailored to borrowers, while its insurance brokerage services offer risk management solutions. Additionally, Yiren Digitals consumption and lifestyle services segment provides non-financial products, effectively augmenting the well-being and security of individuals, families, and businesses across various growth stages.

As a subsidiary of CreditEase Holdings (Cayman) Limited, Yiren Digital Ltd. has been at the forefront of Chinas fintech revolution since its inception in 2012. Initially known as Yirendai Ltd., the company rebranded as Yiren Digital Ltd. in September 2019, reflecting its expanded scope beyond financial services. Headquartered in Beijing, the company has been instrumental in bridging the financing gap for consumers and businesses, thereby contributing to Chinas economic growth.

Analyzing the , we observe that YRDs last price is $6.27, with its SMA20, SMA50, and SMA200 standing at $5.97, $6.41, and $5.41, respectively. The stocks ATR is 0.43, representing a volatility of 6.86%. Given the current price action and the fact that the stock is trading above its SMA20 and SMA200, it indicates a potential bullish trend. Furthermore, the stock is currently below its 52-week high of $8.32 but above its 52-week low of $4.02, suggesting a possible consolidation phase.

Combining the insights from , YRDs market capitalization stands at $519.87M USD, with a P/E ratio of 2.44 and a forward P/E of 3.07. The companys RoE is 18.54%, indicating a relatively strong profitability. Considering the and collectively, a forecast for YRD could be as follows: Given its current technical setup and fundamental strengths, YRD may be poised for a potential uptrend. If the stock can break above its SMA50 at $6.41, it could target the 52-week high of $8.32. Conversely, a drop below the SMA20 at $5.97 may signal a further consolidation or correction phase. Therefore, a buying opportunity may arise if the stock consolidates around its SMA20 and then breaks out above $6.41, with a potential target of $8.32 in the near term.

Additional Sources for YRD Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle

YRD Stock Overview

Market Cap in USD 605m
Sector Financial Services
Industry Credit Services
GiC Sub-Industry Consumer Finance
IPO / Inception 2015-12-18

YRD Stock Ratings

Growth Rating 34.0
Fundamental 64.8
Dividend Rating 56.5
Rel. Strength 3.1
Analysts -
Fair Price Momentum 5.65 USD
Fair Price DCF 248.44 USD

YRD Dividends

Dividend Yield 12m 7.27%
Yield on Cost 5y 9.44%
Annual Growth 5y %
Payout Consistency 24.7%
Payout Ratio 24.1%

YRD Growth Ratios

Growth Correlation 3m -6.1%
Growth Correlation 12m 74.1%
Growth Correlation 5y 34.2%
CAGR 5y 5.87%
CAGR/Max DD 5y 0.07
Sharpe Ratio 12m -0.06
Alpha 20.35
Beta 0.581
Volatility 70.76%
Current Volume 166.7k
Average Volume 20d 140.1k
What is the price of YRD shares?
As of June 18, 2025, the stock is trading at USD 5.92 with a total of 166,681 shares traded.
Over the past week, the price has changed by -20.00%, over one month by -6.18%, over three months by -25.06% and over the past year by +28.28%.
Is Yirendai a good stock to buy?
Yes, based on ValueRay´s Fundamental Analyses, Yirendai (NYSE:YRD) is currently (June 2025) a good stock to buy. It has a ValueRay Fundamental Rating of 64.82 and therefor a positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of YRD is around 5.65 USD . This means that YRD is currently overvalued and has a potential downside of -4.56%.
Is YRD a buy, sell or hold?
Yirendai has no consensus analysts rating.
What are the forecasts for YRD share price target?
According to our own proprietary Forecast Model, YRD Yirendai will be worth about 6.3 in June 2026. The stock is currently trading at 5.92. This means that the stock has a potential upside of +5.74%.
Issuer Target Up/Down from current
Wallstreet Target Price 2 -65.7%
Analysts Target Price 2 -65.7%
ValueRay Target Price 6.3 5.7%