Yiren Digital (YRD) Stock Price, News & Analysis

Company Overview

Yiren Digital Ltd. provides financial services through an AI-powered platform in China. Its platform provides a suite of financial and lifestyle services. The company offers financial services, which provides a portfolio of loan products to borrowers; insurance brokerage services; and consumption and lifestyle services, including non-financial products and services to meet various consumer needs. It supports clients at various growth stages, addressing financing needs arising from consumption and production activities, and augmenting the well-being and security of individuals, families, and businesses. 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. operates as a subsidiary of CreditEase Holdings (Cayman) Limited.

Key Stats

• Today's Range: $4.69 to $4.96
• 50-Day Range: $4.53 to $8.00
• 52-Week Range: $2.66 to $9.20
• Volume: 112,282 shs
• Average Volume: 142,656 shs
• Market Capitalization: $421.61 million
• P/E Ratio: 1.67
• Dividend Yield: 7.01%
• Price Target: N/A
• Consensus Rating: N/A

Yiren Digital Stock Analysis - MarketRank™

Yiren Digital scored higher than 68% of companies evaluated by MarketBeat, and ranked 281st out of 648 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 Yiren Digital.

Earnings and Valuation

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

Price to Earnings Ratio vs. the Market

The P/E ratio of Yiren Digital is 1.67, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 120.51.

Price to Earnings Ratio vs. Sector

The P/E ratio of Yiren Digital is 1.67, 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 223.01.

Price to Book Value per Share Ratio

Yiren Digital has a P/B Ratio of 0.38. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.11% of the outstanding shares of Yiren Digital have been sold short.

Short Interest Ratio / Days to Cover

Yiren Digital has a short interest ratio ("days to cover") of 0.5, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Yiren Digital has recently decreased by 6.21%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Leadership

Yiren Digital is a leading dividend payer. It pays a dividend yield of 7.01%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

Yiren Digital does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Yiren Digital is 11.72%. 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

0.11% of the outstanding shares of Yiren Digital have been sold short.

Short Interest Ratio / Days to Cover

Yiren Digital has a short interest ratio ("days to cover") of 0.5, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Yiren Digital has recently decreased by 6.21%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 1.9 / 5
• News Sentiment: 0.40

News Sentiment

Yiren Digital has a news sentiment score of 0.40. 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 0.62 average news sentiment score of Computer and Technology companies.

News Coverage This Week

MarketBeat has tracked 9 news articles for Yiren Digital this week, compared to 1 article on an average week.

Search Interest

Only 1 people have searched for YRD on MarketBeat in the last 30 days. This is a decrease of -67% compared to the previous 30 days.

Company Ownership

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

Insider Buying vs. Insider Selling

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

Percentage Held by Insiders

42.20% of the stock of Yiren Digital 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 Yiren Digital is held by institutions.

YRD Stock Analysis - Frequently Asked Questions

How have YRD shares performed this year?

Yiren Digital's stock was trading at $3.12 at the beginning of 2024. Since then, YRD stock has increased by 55.4% and is now trading at $4.85.
View the best growth stocks for 2024 here.

How were Yiren Digital's earnings last quarter?

Yiren Digital Ltd. (NYSE:YRD) posted its quarterly earnings results on Tuesday, August, 20th. The technology company reported $0.65 earnings per share (EPS) for the quarter. The technology company earned $205.93 million during the quarter. Yiren Digital had a net margin of 32.37% and a trailing twelve-month return on equity of 21.45%.

When did Yiren Digital IPO?

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

Who are Yiren Digital's major shareholders?

Yiren Digital's top institutional investors include Connor Clark & Lunn Investment Management Ltd. (0.30%), Public Employees Retirement System of Ohio (0.03%), XTX Topco Ltd (0.02%) and Creative Planning (0.02%).

How do I buy shares of Yiren Digital?

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.
Compare Top Brokerages Here.

What other stocks do shareholders of Yiren Digital own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Yiren Digital 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: 8/20/2024
• Ex-Dividend for 10/15 Dividend: 9/30/2024
• Dividend Payable: 10/15/2024
• Today: 11/23/2024
• Fiscal Year End: 12/31/2024

Industry, Sector and Symbol

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

Profitability

• EPS (Most Recent Fiscal Year): $2.90
• Trailing P/E Ratio: 1.67
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $292.99 million
• Net Margins: 32.37%
• Pretax Margin: 46.97%
• Return on Equity: 21.45%
• Return on Assets: 16.63%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 4.14
• Quick Ratio: 4.14

Sales & Book Value

• Annual Sales: $689.53 million
• Price / Sales: 0.61
• Cash Flow: $3.34 per share
• Price / Cash Flow: 1.45
• Book Value: $12.85 per share
• Price / Book: 0.38

Miscellaneous

• Outstanding Shares: 86,930,000
• Free Float: 50,248,000
• Market Cap: $421.61 million
• Optionable: Optionable
• Beta: 0.72