Yiren Digital Ltd. (YRD)Financial Services | Credit Services | Beijing, China | NYSE
1.23 USD
-0.03
(-2.381%) ⇩
(July 13, 2026, 4 p.m.
EDT)
After hours: 1.21 -0.02 (-0.020%) ⇩ (July 13, 2026, 6:06 p.m. EDT) |
Hot Take ↕ | July 11, 2026, 3:55 a.m. EDT
The investment case for Yiren Digital is currently broken by a perfect storm of deteriorating fundamentals and a hostile market reaction. While the company boasts a fortress-like balance sheet with massive cash reserves relative to debt, the business engine is failing hard: revenue has contracted by 41%, profitability is negative, and the board has suspended dividends entirely. This suspension explains the grotesquely high 27% yield figure, which is a phantom yield based on zero actual distribution. The market has punished this reality severely, dragging the stock down 62% over the last nine years despite some recent quarterly recovery attempts. The recent news of an AI pivot and a small buyback plan feels like a desperate attempt to stabilize a sinking ship rather than a sign of a turnaround. Crucially, the options market confirms this pessimism; traders are buying insurance (puts) in massive quantities while ignoring any potential for a rally. With the statistical forecast showing almost no directional bias and the fundamental trajectory showing a multi-year decline, there is no clear setup for a short-term bounce or a long-term recovery. The stock remains a value trap where the cheap price reflects real, structural business decay. |
| Model | MAE |
|---|---|
| AutoTheta ✓ | 0.131561 |
| AutoARIMA | 0.363185 |
| AutoETS | 0.363187 |
| MSTL | 0.372740 |
Forecast horizon: 45 days | Selected: AutoTheta
| Forecast Reliability | |
|---|---|
| Score | 30% |
| H-stat | 4.10 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.435 |
| Excess Kurtosis | -0.67 |
| Attribute | Value |
|---|---|
| Sector | Financial Services |
| Ex Dividend Date | 2025-09-29 |
| Last Dividend Date | 2025-04-29 |
| Debt to Equity Ratio | 0.402 |
| Revenue per Share | 58.351 |
| Market Cap | 107,610,816 |
| Beta | 1.12 |
| Profit Margins | -13.51% |
| Website | https://www.yiren.com |
As of July 11, 2026, 3:55 a.m. EDT: Speculators are overwhelmingly positioned for downside protection rather than upside speculation. Put volume and open interest dominate across nearly all expirations, with significant concentration at the $2.50 strike acting as a primary anchor for hedging. Call activity is negligible, with open interest concentrated far out-of-the-money at strikes like $5.00 and $7.50, indicating minimal bullish conviction in the near term.
| Date | Dividend | Yield % |
|---|---|---|
| 2025-04-30 | 0.22 | 3.363914 |
| 2024-09-30 | 0.20 | 3.514938 |
| 2018-04-27 | 0.28 | 0.796360 |
| 2017-09-28 | 1.50 | 3.477052 |
| Attribute | Value |
|---|---|
| 52 Week Change | -0.7896494 |
| Address1 | China Merchants Bureau Building |
| Address2 | 28th Floor 118 Jianguo Road Chaoyang District |
| All Time High | 53.5 |
| All Time Low | 0.67 |
| Ask | 1.45 |
| Ask Size | 1,700 |
| Average Daily Volume10 Day | 6,139,700 |
| Average Daily Volume3 Month | 1,102,270 |
| Average Volume | 1,102,270 |
| Average Volume10Days | 6,139,700 |
| Beta | 1.123 |
| Bid | 1.2 |
| Bid Size | 800 |
| Book Value | 14.727623 |
| City | Beijing |
| Country | China |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 1.23 |
| Current Ratio | 21.754 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,782,777,600 |
| Day High | 1.24 |
| Day Low | 1.2 |
| Debt To Equity | 0.402 |
| Display Name | Yiren Digital |
| Dividend Date | 1,760,486,400 |
| Dividend Rate | 0.44 |
| Dividend Yield | 27.16 |
| Earnings Call Timestamp End | 1,782,388,800 |
| Earnings Call Timestamp Start | 1,782,388,800 |
| Earnings Timestamp | 1,782,390,600 |
| Earnings Timestamp End | 1,787,229,000 |
| Earnings Timestamp Start | 1,787,229,000 |
| Ebitda | 1,688,717,952 |
| Ebitda Margins | 0.33244 |
| Enterprise To Ebitda | -1.36 |
| Enterprise To Revenue | -0.452 |
| Enterprise Value | -2,296,271,872 |
| Eps Trailing Twelve Months | -1.16 |
| Esg Populated | 0 |
| Ex Dividend Date | 1,759,190,400 |
| Exchange | NYQ |
| Exchange Data Delayed By | 0 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 1.49336 |
| Fifty Day Average Change | -0.26336002 |
| Fifty Day Average Change Percent | -0.176354 |
| Fifty Two Week Change Percent | -78.96494 |
| Fifty Two Week High | 6.79 |
| Fifty Two Week High Change | -5.56 |
| Fifty Two Week High Change Percent | -0.81885123 |
| Fifty Two Week Low | 0.82 |
| Fifty Two Week Low Change | 0.41000003 |
| Fifty Two Week Low Change Percent | 0.50000006 |
| Fifty Two Week Range | 0.82 - 6.79 |
| Financial Currency | CNY |
| First Trade Date Milliseconds | 1,450,449,000,000 |
| Float Shares | 14,457,998 |
| Free Cashflow | -173,244,000 |
| Full Exchange Name | NYSE |
| Full Time Employees | 981 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Gross Margins | 0.85055 |
| Gross Profits | 4,320,633,856 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.0 |
| Held Percent Institutions | 0.02802 |
| Implied Shares Outstanding | 87,488,461 |
| Industry | Credit Services |
| Industry Disp | Credit Services |
| Industry Key | credit-services |
| Is Earnings Date Estimate | 1 |
| Language | en-US |
| Last Dividend Date | 1,745,971,200 |
| Last Dividend Value | 0.22 |
| Last Fiscal Year End | 1,767,139,200 |
| Long Business Summary | Yiren Digital Ltd. provides financial services through an AI-powered Fintech platform in China. Its platform provides a suite of financial and lifestyle services. The company offers credit solutions, insurance brokerage, and others. The company was formerly known as Yirendai Ltd. and changed its name to Yiren Digital Ltd. in September 2019. The company was founded in 2012 and is based in Beijing, the People's Republic of China. Yiren Digital Ltd. operates as a subsidiary of CreditEase Holdings (Cayman) Limited. |
| Market | us_market |
| Market Cap | 107,610,816 |
| Market State | POSTPOST |
| Max Age | 86,400 |
| Message Board Id | finmb_291375361 |
| Most Recent Quarter | 1,774,915,200 |
| Net Income To Common | -686,516,992 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 110,235,460 |
| Open | 1.24 |
| Operating Cashflow | -430,615,008 |
| Operating Margins | 0.27117002 |
| Payout Ratio | 5.07 |
| Phone | 86 10 5964 4552 |
| Post Market Change | -0.01999998 |
| Post Market Change Percent | -1.6260147 |
| Post Market Price | 1.21 |
| Post Market Time | 1,783,980,396 |
| Previous Close | 1.26 |
| Price Hint | 4 |
| Price To Book | 0.08351653 |
| Price To Sales Trailing12 Months | 0.021183923 |
| Profit Margins | -0.13515 |
| Quick Ratio | 15.609 |
| Quote Source Name | Delayed Quote |
| Quote Type | EQUITY |
| Recommendation Key | none |
| Region | US |
| Regular Market Change | -0.03 |
| Regular Market Change Percent | -2.38095 |
| Regular Market Day High | 1.24 |
| Regular Market Day Low | 1.2 |
| Regular Market Day Range | 1.2 - 1.24 |
| Regular Market Open | 1.24 |
| Regular Market Previous Close | 1.26 |
| Regular Market Price | 1.23 |
| Regular Market Time | 1,783,972,802 |
| Regular Market Volume | 96,463 |
| Return On Assets | 0.081199996 |
| Return On Equity | -0.07421 |
| Revenue Growth | -0.411 |
| Revenue Per Share | 58.351 |
| Sand P52 Week Change | 0.20847368 |
| Sector | Financial Services |
| Sector Disp | Financial Services |
| Sector Key | financial-services |
| Shares Outstanding | 87,488,461 |
| Shares Percent Shares Out | 0.002 |
| Shares Short | 172,630 |
| Shares Short Previous Month Date | 1,780,012,800 |
| Shares Short Prior Month | 70,473 |
| Short Name | Yiren Digital Ltd. |
| Short Percent Of Float | 0.0109 |
| Short Ratio | 1.34 |
| Source Interval | 15 |
| Symbol | YRD |
| Total Cash | 2,453,139,968 |
| Total Cash Per Share | 28.044 |
| Total Debt | 35,289,000 |
| Total Revenue | 5,079,834,112 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 1.539 |
| Trailing Annual Dividend Yield | 1.2214286 |
| Trailing Eps | -1.16 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 3.45484 |
| Two Hundred Day Average Change | -2.22484 |
| Two Hundred Day Average Change Percent | -0.6439777 |
| Type Disp | Equity |
| Volume | 96,463 |
| Website | https://www.yiren.com |
| Zip | 100,022 |