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Yiren Digital Ltd. (YRD)
4.56  0.02 (0.44%)    12-05 09:59
Open: 4.55
High: 4.56
Volume: 8,521
  
Pre. Close: 4.54
Low: 4.54
Market Cap: 198(M)
Technical analysis
2025-12-05 9:49:48 AM
Short term     
Mid term     
Targets 6-month :  5.95 1-year :  6.64
Resists First :  5.09 Second :  5.68
Pivot price 4.62
Supports First :  4.15 Second :  3.45
MAs MA(5) :  4.51 MA(20) :  4.8
MA(100) :  5.71 MA(250) :  0
MACD MACD :  -0.3 Signal :  -0.4
%K %D K(14,3) :  34 D(3) :  30
RSI RSI(14): 36.2
52-week High :  8.73 Low :  4.15
Price, MAs and Bollinger Bands

Price has closed above its short-term moving average. Short-term moving average is currently below mid-term; and below long-term moving average. From the relationship between price and moving averages: This stock is NEUTRAL in short-term; and BEARISH in mid-long term.
[ YRD ] has closed above bottom band by 40.6%. Bollinger Bands are 15.2% wider than normal. The current width of the bands does not suggest anything about the future direction or movement of prices.

Stock Price Prediction
If tomorrow: Open lower Open higher
High: 4.62 - 4.64 4.64 - 4.67
Low: 4.45 - 4.48 4.48 - 4.5
Close: 4.49 - 4.54 4.54 - 4.58
Company Description

Yiren Digital Ltd., through its subsidiaries, operates as an online consumer finance marketplace that connects borrowers and investors in the People's Republic of China. It provides loan facilitation services; and post-origination services, such as cash processing, collection, and SMS services. The company's loan products portfolio includes unsecured consumer loans; secured consumer loan, which include secured financial leasing, auto-secured, and property-secured loans; and small business loans. It also distributes short-term cash management, mutual fund investment, insurance, and securities and stock products. In addition, the company provides online investor education services, which include a range of investment and trading topics, and various types of training programs on wealth planning, market insights, and investment strategies; consultancy information technology support; referral; and IT, system maintenance, and customer support services. Further, it is involved in the provision of services for financing lease and insurance brokerage businesses. The company offers its products through www.yxpuhui.com, and a wealth management website and mobile application. As of December 31, 2020, it had 60 fixed income products, 810 mutual fund products, and 296 insurance products. The company was formerly known as Yirendai Ltd. and changed its name to Yiren Digital Ltd. in September 2019. Yiren Digital Ltd. was founded in 2012 and is based in Beijing, the People's Republic of China. Yiren Digital Ltd. is a subsidiary of Creditease Holdings (Cayman) Limited.

Headline News

Thu, 27 Nov 2025
Yiren Digital (NYSE:YRD) Net Profit Margin Decline Challenges Bullish Value Narrative - Sahm

Wed, 26 Nov 2025
Yiren Digital Ltd. (NYSE:YRD) Q3 2025 Earnings Call Transcript - Insider Monkey

Wed, 26 Nov 2025
Yiren Digital (NYSE:YRD) sheds 11% this week, as yearly returns fall more in line with earnings growth - Sahm

Tue, 25 Nov 2025
Yiren Digital Ltd. Reports Growth Amidst Challenges - TipRanks

Tue, 25 Nov 2025
Yiren Digital Ltd. Provides Earnings Guidance for the Fourth Quarter of 2025 - marketscreener.com

Tue, 25 Nov 2025
Yiren Digital Ltd (YRD) Q3 2025 Earnings Call Highlights: Robust Loan Origination and Internet ... - Yahoo Finance

Financial Analysis
Price to Book Value:
P/BV, a ratio used to compare book value to its current market price, to gauge whether a stock is valued properly.
Outperform
Price to Earnings:
PE, the ratio for valuing a company that measures its current share price relative to its earnings per share (EPS).
Outperform
Discounted cash flow:
DCF, a valuation method used to estimate the value of an investment based on its expected future cash flows.
Outperform
Return on Assets:
ROA, indicates how profitable a company is in relation to its total assets, how efficiently uses assets to generate a profit.
Outperform
Return on Equity:
ROE, a measure of financial performance calculated by dividing net income by equity. a gauge of profitability and efficiency.
Outperform
Debt to Equity:
evaluate financial leverage, reflects the ability of equity to cover outstanding debts in the event of a business downturn.
Neutral
Stock Basics & Statistics
Exchange:
NYSE
Sector:
Financial Services
Industry:
Financial - Credit Services
Shares Out 86 (M)
Shares Float 29 (M)
Held by Insiders 0 (%)
Held by Institutions 3.3 (%)
Shares Short 40 (K)
Shares Short P.Month 58 (K)
Stock Financials
EPS 2.03
EPS Est Next Qtrly 0
EPS Est This Year 0
EPS Est Next Year 0
Book Value (p.s.) 118.76
Profit Margin 20.1 %
Operating Margin 41.6 %
Return on Assets (ttm) 11.8 %
Return on Equity (ttm) 12.7 %
Qtrly Rev. Growth 5 %
Gross Profit (p.s.) 63.41
Sales Per Share 71.86
EBITDA (p.s.) 30.89
Qtrly Earnings Growth -10.2 %
Operating Cash Flow 1,260 (M)
Levered Free Cash Flow -594 (M)
Stock Valuations
PE Ratio 2.22
PEG Ratio 0
Price to Book value 0.03
Price to Sales 0.06
Price to Cash Flow 0.31
Stock Dividends
Dividend 0.21
Forward Dividend 0
Dividend Yield 4.8%
Dividend Pay Date Invalid DateTime.
Ex-Dividend Date Invalid DateTime.

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