Stock Scorecard
Stock Summary for Yiren Digital Ltd (YRD) - $1.18 as of 6/10/2026 9:19:02 PM EST
Total Score
18 out of 30
Safety Score
-5 out of 100
Currently on the following lists
None
Tim's Recommendation
Possible Buy
Growth List Algorithm Criteria for YRD
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for YRD
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for YRD
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for YRD
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for YRD (-5 out of 100)
| Stock Price Rating (Max of 10) | 2 |
| Historical Stock Price Rating (Max of 10) | 2 |
| Stock Price Trend (Max of 10) | 0 |
| Book Value (Max of 10) | 6 |
| Book Value to Price (Max of 10) | 10 |
| Analyst Buy Ratings (Max of 5) | 0 |
| Analyst Strong Buy Ratings (Max of 5) | 0 |
| Dividend Yield Percentage (Max of 10) | 2 |
| Operating Margin (Max of 10) | 1 |
| Trading Volume (Max of 10) | 3 |
| Price to Earnings (Max of 10) | 9 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | -40 |
Latest News for for YRD
Financial Details for YRD
Company Overview |
|
|---|---|
| Ticker | YRD |
| Company Name | Yiren Digital Ltd |
| Country | China |
| Description | Yiren Digital Ltd., is an online consumer finance marketplace connecting borrowers and investors in the People's Republic of China. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | CREDIT SERVICES |
| Most Recent Quarter | 3/31/2026 |
| Next Earnings Date | 6/11/2026 |
Stock Price History |
|
| Last Day Price | 1.18 |
| Price 4 Years Ago | 1.23 |
| Last Day Price Updated | 6/10/2026 9:19:02 PM EST |
| Last Day Volume | 84,382 |
| Average Daily Volume | 139,637 |
| 52-Week High | 7.40 |
| 52-Week Low | 1.20 |
| Last Price to 52 Week Low | 1.67% |
Valuation Measures |
|
| Trailing PE | 13.56 |
| Industry PE | 19.73 |
| Sector PE | 17.63 |
| 5-Year Average PE | 1.65 |
| Free Cash Flow Ratio | 0.03 |
| Industry Free Cash Flow Ratio | 23.62 |
| Sector Free Cash Flow Ratio | 37.53 |
| Current Ratio Most Recent Quarter | 8.18 |
| Total Cash Per Share | 44.27 |
| Book Value Per Share Most Recent Quarter | 15.63 |
| Price to Book Ratio | 0.08 |
| Industry Price to Book Ratio | 5.95 |
| Sector Price to Book Ratio | 2.05 |
| Price to Sales Ratio Twelve Trailing Months | 0.02 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.58 |
| Sector Price to Sales Ratio Twelve Trailing Months | 5.20 |
| Analyst Buy Ratings | N/A |
| Analyst Strong Buy Ratings | N/A |
Share Statistics |
|
| Total Shares Outstanding | 87,488,000 |
| Market Capitalization | 103,235,840 |
| Institutional Ownership | 2.66% |
Dividends |
|
| Ex-Dividend Date | 9/30/2025 |
| Previous Dividend Amount | 0.2200 |
| Current Dividend Amount | 0.2200 |
| Total Years Dividend Increasing | 1 |
| Trailing Annual Dividend Rate | 0.44 |
| Trailing Annual Dividend Yield | 34.65% |
| Forward Annual Dividend Rate | 0.44 |
| Forward Annual Dividend Yield | 34.65% |
| 5-Year Dividend Payments Count | 3 |
| 3-Year Average Dividend Yield | 0.00% |
| 5-Year Average Dividend Yield | 0.00% |
| 1-Year Dividend Growth Rate Percentage | 0.00% |
| 3-Year Dividend Growth Rate Percentage | 0.00% |
| 5-Year Dividend Growth Rate Percentage | 0.00% |
| All-Time Dividend Growth Rate Percentage | 0.00% |
| Dividend Payout Ratio | 488.89% |
Income Statement |
|
| Quarterly Earnings Growth YOY | -10.20% |
| Annual Earnings Growth | -97.51% |
| Reported EPS 12 Trailing Months | 0.09 |
| Reported EPS Past Year | 2.50 |
| Reported EPS Prior Year | 6.70 |
| Net Income Twelve Trailing Months | -1,064,785,812 |
| Net Income Past Year | 39,421,873 |
| Net Income Prior Year | 1,582,299,000 |
| Quarterly Revenue Growth YOY | -34.10% |
| 5-Year Revenue Growth | 7.06% |
| Operating Margin Twelve Trailing Months | 3.50% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 3,873,298,910 |
| Total Cash Past Year | 3,873,298,910 |
| Total Cash Prior Year | 3,841,284,000 |
| Net Cash Position Most Recent Quarter | 3,864,043,910 |
| Net Cash Position Past Year | 3,864,207,910 |
| Long Term Debt Past Year | 9,091,000 |
| Long Term Debt Prior Year | 0 |
| Total Debt Most Recent Quarter | 9,255,000 |
| Equity to Debt Ratio Past Year | 1.00 |
| Equity to Debt Ratio Most Recent Quarter | 1.00 |
| Total Stockholder Equity Past Year | 9,277,175,869 |
| Total Stockholder Equity Prior Year | 9,542,430,000 |
| Total Stockholder Equity Most Recent Quarter | 9,277,175,869 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 199,229,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 2.28 |
| Free Cash Flow Past Year | 677,879,000 |
| Free Cash Flow Prior Year | 1,414,893,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | Options Chain |
| Liquidity Rating | |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | -0.20 |
| MACD Signal | -0.16 |
| 20-Day Bollinger Lower Band | 0.59 |
| 20-Day Bollinger Middle Band | 2.60 |
| 20-Day Bollinger Upper Band | 4.61 |
| Beta | 1.06 |
| RSI | 26.20 |
| 50-Day SMA | 4.32 |
| 150-Day SMA | 4.32 |
| 200-Day SMA | 0.00 |
System |
|
| Modified | 6/9/2026 11:38:48 AM EST |