Logo

YRD

Yiren Digital Ltd.

YRD

Yiren Digital Ltd. • NYSE
$4.50 ▲ 2.04% (+0.09)
Market Cap $194.41 M
52w High $8.74
52w Low $4.15
Dividend Yield 0.44%
P/E 2.21
Volume 34.13K
Outstanding Shares 43.20M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q2-2025 $1.674B ▲ $1.132B ▲ $357.54M ▲ 21.353% ▲ $8.28 ▲ $381.501M ▲
Q1-2025 $1.555B ▲ $1.022B ▲ $247.506M ▼ 15.922% ▼ $5.72 ▼ $307.477M ▲
Q4-2024 $1.452B ▼ $959.174M ▲ $331.446M ▼ 22.824% ▼ $7.68 ▼ $295.787M ▼
Q3-2024 $1.479B ▼ $933.903M ▲ $355.442M ▼ 24.031% ▼ $8.12 ▼ $341.673M ▼
Q2-2024 $1.497B $532.868M $409.528M 27.365% $9.48 $440.227M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q2-2025 $4.099B ▲ $14.449B ▲ $4.467B ▲ $9.982B ▲
Q1-2025 $4.044B ▼ $13.274B ▲ $3.52B ▲ $9.754B ▲
Q4-2024 $4.272B ▲ $12.983B ▲ $3.44B ▲ $9.542B ▲
Q3-2024 $4.091B ▼ $12.458B ▲ $3.173B ▲ $9.285B ▲
Q2-2024 $5.911B $11.816B $2.852B $8.964B

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q2-2025 $357.54M ▲ $411.224M ▼ $-752.2M ▼ $447.588M ▲ $97.2M ▼ $411.224M ▼
Q1-2025 $0 ▼ $478.65M ▲ $-145.59M ▼ $-80.576M ▼ $254.851M ▲ $478.65M ▲
Q4-2024 $331.446M ▼ $0 $0 $0 $0 ▲ $0
Q3-2024 $355.442M ▼ $0 ▼ $0 ▲ $0 ▲ $-5.698B ▼ $0 ▼
Q2-2024 $409.528M $368.908M $-536.883M $-125.884M $-294.755M $368.908M

Five-Year Company Overview

Income Statement

Income Statement Revenue has grown nicely over the past few years, showing that the business has regained momentum after earlier volatility. Profitability looks strong, with healthy gross and operating profits and a clear turnaround from losses several years ago. Net income has been consistently positive more recently, though the latest year shows earnings easing a bit compared with the prior year, likely reflecting higher costs, mix shift between business lines, or reduced one‑off gains. Overall, the income statement tells a story of a profitable fintech business with solid margins, but with some year‑to‑year swings that suggest earnings may not be completely smooth.

Balance Sheet

Balance Sheet The balance sheet appears robust. Total assets and shareholder equity have both climbed steadily, indicating that the company has been building its capital base over time. Debt levels are very low and have been drifting down, which reduces financial risk and interest burdens. Cash holdings are substantial, although they fell from a particularly high level in the prior year, suggesting either capital deployment or lower cash generation. In general, the company looks conservatively financed, with plenty of equity support and limited reliance on borrowing.

Cash Flow

Cash Flow Cash generation from operations has been consistently positive in recent years and strong relative to the size of the business. Free cash flow is almost the same as operating cash flow because the company spends very little on capital investments, which is typical for an asset‑light, technology‑driven model. There was a big improvement from the low cash flow years earlier in the period, showing strengthened business quality and better working capital management. The main watchpoint is that cash flow can still fluctuate with credit cycles and regulatory changes in China’s financial sector.

Competitive Edge

Competitive Edge Yiren Digital benefits from a differentiated AI‑driven platform that supports lending, insurance, and wealth management, which helps it stand out in a crowded Chinese fintech market. Its proprietary AI engines for decision‑making, customer service, marketing, and risk control create operational efficiency and higher personalization, forming a technological moat that is hard for smaller rivals to replicate quickly. The firm also enjoys brand recognition from its long operating history and has broadened its revenue base beyond pure lending, which reduces dependence on any single product. On the risk side, the company operates in a highly competitive and heavily regulated environment, where large tech platforms, traditional financial institutions, and newer fintech players all compete for similar customers and regulatory shifts can reshape the playing field quickly.

Innovation and R&D

Innovation and R&D Innovation is a clear focal point. The company has built its own large language model and a suite of AI systems that automate key workflows, from underwriting to customer engagement, which can improve risk assessment and reduce costs. Newer initiatives like the Magicube agentic AI platform and experiments with blockchain, digital assets, and tokenization suggest a willingness to push into emerging areas ahead of many peers. Its moves to commercialize AI tools for other institutions could open new fee‑based revenue streams. The flip side is that these initiatives carry execution and regulatory risk, especially in sensitive areas like AI and crypto in China, and not all projects may translate into stable profits.

Summary

Overall, Yiren Digital looks like a profitable, cash‑generative fintech platform with a strong equity base, minimal debt, and an asset‑light model supported by advanced AI infrastructure. The business has successfully moved past earlier losses, expanded its product range into insurance and wealth management, and is now experimenting with higher‑value technology offerings and selective international growth. Key strengths include its integrated AI ecosystem, diversified financial services, and conservative balance sheet. Key uncertainties center on regulatory evolution in China’s financial and technology sectors, competition from both big tech and traditional financial firms, and the challenge of turning cutting‑edge innovations like agentic AI and blockchain initiatives into durable, scalable earnings.

NEWS

November 25, 2025 · 5:30 AM UTC

Yiren Digital Reports Third Quarter 2025 Financial Results

Read more

November 18, 2025 · 2:30 AM UTC

Yiren Digital to Report Third Quarter 2025 Financial Results on November 25, 2025

Read more

November 7, 2025 · 8:30 AM UTC

Yiren Digital Is Ranked Top 10% in the Global S&P ESG Rating

Read more

November 4, 2025 · 5:25 AM UTC

Yiren Digital CFO Highlights Company's AI Transformation and Next-Generation Fintech Strategy

Read more

October 30, 2025 · 9:00 AM UTC

Yiren Digital to Showcase AI Transformation in Keynote Speech at Hong Kong FinTech Week on November 3, 2025

Read more