Yirendai (YRD) Stock Price, News & Analysis

Company Overview

Yirendai Ltd is a leading fintech credit marketplace in China, offering consumer financing solutions through a digital platform. As a subsidiary of CreditEase, one of the country’s earliest peer-to-peer lending pioneers, Yirendai facilitates connections between individual borrowers and institutional or retail investors. The company’s integrated platform handles borrower screening, credit assessment, risk management and loan servicing to deliver a streamlined, transparent lending experience.

The company provides unsecured personal loans for purposes such as debt consolidation, home improvement and small business investment. In addition to loan origination, Yirendai offers online wealth management products, enabling investors to access diversified consumer credit assets. Yirendai’s technology-driven underwriting process and big data analytics form the core of its risk management framework, helping to match borrower profiles with appropriate funding sources.

Founded in December 2012 and headquartered in Beijing, Yirendai has expanded its services across multiple provinces in mainland China under the oversight of national regulatory authorities. The company maintains partnerships with banks and financial institutions to support funding diversification and regulatory compliance. Backed by a management team with expertise in finance, technology and credit risk, Yirendai is focused on advancing inclusive finance and enhancing the accessibility of consumer credit in China.

Key Stats

• Today's Range: $5.83 to $6.00
• 50-Day Range: $5.63 to $6.38
• 52-Week Range: $4.41 to $9.20
• Volume: 88,659 shs
• Average Volume: 126,058 shs
• Market Capitalization: $518.00 million
• P/E Ratio: 2.91
• Dividend Yield: 6.67%
• Price Target: N/A
• Consensus Rating: N/A

Yirendai Stock Analysis - MarketRank™

Yirendai scored higher than 46% of companies evaluated by MarketBeat, and ranked 446th out of 669 stocks in the computer and technology sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Yirendai.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Yirendai is 2.91, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 280.45.

Price to Earnings Ratio vs. Sector

The P/E ratio of Yirendai is 2.91, which means that it is trading at a less expensive P/E ratio than the Computer and Technology sector average P/E ratio of about 437.69.

Price to Book Value per Share Ratio

Yirendai has a P/B Ratio of 0.40. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.13% of the float of Yirendai has been sold short.

Short Interest Ratio / Days to Cover

Yirendai has a short interest ratio ("days to cover") of 0.7, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Yirendai has recently increased by 12.41%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Leadership

Yirendai is a leading dividend payer. It pays a dividend yield of 6.94%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

Yirendai does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Yirendai is 19.42%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.13% of the float of Yirendai has been sold short.

Short Interest Ratio / Days to Cover

Yirendai has a short interest ratio ("days to cover") of 0.7, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Yirendai has recently increased by 12.41%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 1.9 / 5
• News Sentiment: 0.37

News Sentiment

Yirendai has a news sentiment score of 0.37. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.89 average news sentiment score of Computer and Technology companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for Yirendai this week, compared to 2 articles on an average week.

Search Interest

Only 2 people have searched for YRD on MarketBeat in the last 30 days. This is a decrease of 0% compared to the previous 30 days.

MarketBeat Follows

1 people have added Yirendai to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Yirendai insiders have not sold or bought any company stock.

Percentage Held by Insiders

42.20% of the stock of Yirendai is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

Only 1.99% of the stock of Yirendai is held by institutions.

YRD Stock Analysis - Frequently Asked Questions

How have YRD shares performed this year?

Yirendai's stock was trading at $4.80 on January 1st, 2025. Since then, YRD shares have increased by 24.9% and is now trading at $5.9950.

How were Yirendai's earnings last quarter?

Yirendai Ltd. (NYSE:YRD) issued its quarterly earnings results on Thursday, August, 21st. The technology company reported $0.57 EPS for the quarter. The technology company had revenue of $230.62 million for the quarter. Yirendai had a net margin of 21.07% and a trailing twelve-month return on equity of 13.42%.
Read the conference call transcript.

When did Yirendai IPO?

Yirendai (YRD) raised $75 million in an IPO on Friday, December 18th 2015. The company issued 7,500,000 shares at a price of $9.00-$11.00 per share. Morgan Stanley, Credit Suisse and China Renaissance acted as the underwriters for the IPO and Needham & Company was co-manager.

Who are Yirendai's major shareholders?

Yirendai's top institutional shareholders include Connor Clark & Lunn Investment Management Ltd. (0.47%), American Century Companies Inc. (0.03%), Catalyst Funds Management Pty Ltd (0.02%) and Group One Trading LLC.

How do I buy shares of Yirendai?

Shares of YRD stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Yirendai own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Yirendai investors own include NVIDIA (NVDA), Broadcom (AVGO), Meta Platforms (META), Arista Networks (ANET), Adobe (ADBE), ServiceNow (NOW) and Novo Nordisk A/S (NVO).

Company Calendar

• Last Earnings: 8/21/2025
• Today: 9/12/2025
• Record date for 10/15 Dividend: 9/30/2025
• Ex-Dividend for 10/15 Dividend: 9/30/2025
• Dividend Payable: 10/15/2025
• Next Earnings (Estimated): 11/19/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Computer and Technology
• Industry: INTERNET SERVICES
• Sub-Industry: Banking
• Current Symbol: NYSE:YRD
• CIK: 1631761
• Web: www.yirendai.com
• Phone: 861050905315
• Fax: N/A
• Employees: 3,800
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): $2.06
• Trailing P/E Ratio: 2.89
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $216.77 million
• Net Margins: 21.07%
• Pretax Margin: 23.14%
• Return on Equity: 13.42%
• Return on Assets: 9.73%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 3.13
• Quick Ratio: 3.13

Sales & Book Value

• Annual Sales: $795.41 million
• Price / Sales: 0.65
• Cash Flow: $2.60 per share
• Price / Cash Flow: 2.29
• Book Value: $14.90 per share
• Price / Book: 0.40

Miscellaneous

• Outstanding Shares: 86,410,000
• Free Float: 49,943,000
• Market Cap: $513.71 million
• Optionable: Optionable
• Beta: 0.86