Valuation
Is the price right?Insufficient data
Insufficient data: 0 of 3 inputs reported (at least 2 needed). We leave it blank rather than fill the gap with a made-up middle value.
Bringing the fundamentals into focus…
YRD Financial ServicesBeta data
Yiren Digital Ltd.
$0.38-8.47%
Price as of close on Nov 3, 2026 · Financials updated Oct 14, 2026
Basics
- Sector
- Financial Services
- Industry
- Credit Services
- Country
- China
- Market cap
- 33.1M USD
- Full-time employees
- 981
Growth
Is it growing?26/100
Weak
3/3 inputs reported · High confidence
Since last year: No major change
Why
Compare with peers Weaker than most peers on:
- ▼ EPS growth
- ▼ Revenue growth
Behind the score
Revenue and earnings-per-share growth over one year, and revenue growth over three years.
Earnings per share growth-97.4%
Yahoo Finance · fiscal year to Dec 2025Outlier capped at sector 5th/95th percentile33% base weight · Z-score -2.53Sector median: 0.0999 · MAD: 0.27733-year revenue growth18.0%
SEC filings · 3 years to Dec 2025Reported value33% base weight · Z-score 0.93Sector median: 0.0999 · MAD: 0.0858Revenue growth2.8%
SEC filings · 12 months to Dec 2025Reported value33% base weight · Z-score -0.31Sector median: 0.0742 · MAD: 0.1477Profitability
Does it earn well?1/100
Weak
3/3 inputs reported · High confidence
Since last year: No major change
Why
Compare with peers Weaker than most peers on:
- ▼ Operating margin
- ▼ ROIC
- ▼ ROA
Behind the score
Return on invested capital, operating margin, and return on assets.
Operating margin-103.9%
SEC filings · 12 months to Dec 2025Outlier capped at sector 5th/95th percentile33% base weight · Z-score -6.84Sector median: 0.2353 · MAD: 0.1462Return on assets0.4%
SEC filings · 12 months to Dec 2025Reported value33% base weight · Z-score -0.92Sector median: 0.0256 · MAD: 0.0233Return on invested capital-79.2%
SEC filings · 12 months to Dec 2025Outlier capped at sector 5th/95th percentile33% base weight · Z-score -3.25Sector median: 0.0630 · MAD: 0.0518Other data (not scored)
Gross margin81.8%
Yahoo Finance · trailing 12 monthsReported valueInformational · 0% composite weightSector median: 0.7878 · MAD: 0.2122Return on equity-17.7%
Yahoo Finance · trailing 12 monthsReported valueInformational · 0% composite weightSector median: 0.0939 · MAD: 0.0702Risk
Debt, liquidity, price swingsLower
Lower relative risk
3/3 inputs reported · High confidence
Since last year: No major change
Why it changed since the Oct 27, 2026 close: Safety percentile 90 → 89
- Peer companies moved-1
Why
Compare with peers Stronger than most peers on:
- ▲ Debt / equity
- ▲ Current ratio
Behind the score
Relative to sector peers: 0 = lower relative risk · 1 = moderate · 2 = higher. Based on leverage, beta and liquidity.
Beta1.12
Yahoo Finance · 5-year monthly beta vs the marketReported value33% base weight · Z-score -1.36Sector median: 0.7010 · MAD: 0.3115Current ratio19.23×
Yahoo FinanceReported value33% base weight · Z-score 13.80Sector median: 2.0250 · MAD: 1.2470Debt / equity<0.01×
Yahoo FinanceReported value33% base weight · Z-score 1.04Sector median: 0.5734 · MAD: 0.5454Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.
Questions investors ask about Yiren Digital
- Is Yiren Digital getting weaker?
- Its latest SEC filing (Apr 29, 2026) showed no major changes. Its overall score is unchanged at 39/100 since Oct 28, 2026.
- How is Yiren Digital valued vs its peers?
- Insufficient data: 0 of 3 inputs reported (at least 2 needed).
- Is Yiren Digital growing?
- More slowly than most of its peers. Growth scores 26/100 against 432 financial services peers. 3-year revenue growth 18.0% vs a peer median of 10.0% (stronger than 73% of peers).3-year revenue growth 18.0% vs peers 10.0% (stronger than 73% of peers). Earnings per share growth -97.4% vs a peer median of 10.0% (weaker than 100% of peers).Earnings per share growth -97.4% vs peers 10.0% (weaker than 100% of peers).
- How profitable is Yiren Digital?
- Less profitable than most of its peers. Profitability scores 1/100 against 432 financial services peers. Operating margin -103.9% vs a peer median of 23.5% (weaker than 100% of peers).Operating margin -103.9% vs peers 23.5% (weaker than 100% of peers).
- How risky is Yiren Digital?
- Lower risk relative to 432 financial services peers, judged on debt, liquidity and share-price swings. Debt / equity <0.01× vs a peer median of 0.57× (stronger than 93% of peers).Debt / equity <0.01× vs peers 0.57× (stronger than 93% of peers). Beta 1.12 vs a peer median of 0.70 (weaker than 77% of peers).Beta 1.12 vs peers 0.70 (weaker than 77% of peers). A relative measure, not a bankruptcy probability.
Latest filing: what changed
Year ended Dec 31, 2025 · filed Apr 29, 2026 · compared with the year ended Dec 31, 2024No major changes
Worth watching: Yiren Digital is in the bottom fifth of its sector on profitability. From 2021 to 2025, 63% of companies in that position posted a loss over the following year, against 4% for the top fifth.
| Previous year | Latest year | Change | |
|---|---|---|---|
| Revenue (12 months) | 5.8B CNY | 5.7B CNY | −1.5% |
| Net income (12 months) | 1.6B CNY | 54.5M CNY | −96.6% |
| Operating margin | 31.5% | -103.9% | −135.4 pts |
| Free cash flow (12 months) | 1.4B CNY | 677.9M CNY | −52.1% |
| Cash | 3.8B CNY | 3.3B CNY | −12.8% |
From the company’s own SEC filings, as filed. Twelve-month figures roll forward one year at a time.
Financials
Fiscal years from SEC annual filings · change vs the prior year · amounts in CNY, as reported| Key ratios | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | Change |
|---|---|---|---|---|---|---|
| Operating margin | 28.7% | 47.2% | -47.0% | -71.6% | -103.9% | ▼ 32 pts |
| Net margin | 23.1% | 34.8% | 42.5% | 27.3% | 1.0% | ▼ 26 pts |
| Return on assets (ROA) | 13.3% | 14.0% | 20.2% | 12.2% | 0.4% | ▼ 12 pts |
| Return on equity (ROE) | 21.4% | 19.8% | 25.7% | 16.6% | 0.6% | ▼ 16 pts |
| Debt to equity | 0.21× | 0.13× | 0.00× | — | 0.00× | — |
| Interest coverage | 40.98× | 58.12× | -175.42× | — | — | — |
YRD price history
Price history is added with the daily price update and will appear after the next one.