YRD
Yiren Digital Ltd.
NYSEUSDEQUITY
Financial Services
DELAYED
Strong sell
-56/100
Last price
0.98
▲ 0.03 (3.40%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
Lower pane
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
Drag pan · Pinch zoom · Hold crosshair · pick a tool then drag to draw
Open
—
Prev close
0.95
Day high
0.99
Day low
0.93
Volume
56.24K
Market cap
—
P/E (TTM)
—
52W range
0.82 – 6.79
Trailing performance
Returnvs SPY
1W
-1.90%
-3.9%
1M
-3.92%
-5.1%
3M
-18.33%
-22.9%
6M
-40.61%
-58.8%
YTD
-73.51%
-87.8%
1Y
-84.76%
-101.2%
3Y
-59.67%
-141.9%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
10 more panels on YRD open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
0
Net selling
Buy transactions
0
0 shares
Sell transactions
0
—
Net transactions
0
Buys less sells
Sell : buy shares
—
Not enough filings
Insider-held shares
0
Total on file
Fundamentals
Market cap—
Enterprise value$-1.57B
Revenue (TTM)$4.32B
Gross profit$3.53B
EBITDA$826.73M
Net income$-1.49B
EPS (TTM)$-2.45
Free cash flow$1.79B
Total cash$1.70B
Total debt$33.25M
Book value / share$14.96
Shares outstanding—
Float14.46M
Short % of float0.73%
Dividend yield0.00%
Beta (5Y)1.12
Valuation & profitability ratios
Trailing P/E—
Forward P/E—
PEG ratio—
Price / sales—
Price / book0.07
EV / revenue-0.36
EV / EBITDA-1.90
Gross margin81.75%
Operating margin-13.28%
Profit margin-34.53%
Return on equity-17.75%
Return on assets4.22%
Debt / equity0.49
Current ratio19.23
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $5.72B | $5.81B | $4.90B | $3.43B | -1.5% |
| Operating revenue | $5.72B | $5.80B | $4.88B | $2.89B | -1.4% |
| Cost of revenue | $786.39M | $882.96M | $976.17M | $776.84M | -10.9% |
| Gross profit | $4.93B | $4.92B | $3.92B | $2.66B | +0.2% |
| Research & development | $406.57M | $411.88M | $148.75M | $151.92M | -1.3% |
| Selling, general & admin | $1.48B | $1.47B | $887.74M | $845.77M | +0.7% |
| Total operating expense | $5.15B | $3.28B | $1.32B | $1.19B | +57.3% |
| Operating income | -$221.76M | $1.65B | $2.59B | $1.47B | -113.5% |
| Net interest income | $78.72M | $79.14M | $61.89M | -$26.30M | -0.5% |
| Pre-tax income | -$38.02M | $1.86B | $2.65B | $1.50B | -102.0% |
| Tax provision | -$97.11M | $279.18M | $565.16M | $300.51M | -134.8% |
| Net income | $54.53M | $1.58B | $2.08B | $1.19B | -96.6% |
| Net income to common | $54.53M | $1.58B | $2.08B | $1.19B | -96.6% |
| Basic EPS | 0.47 | 18.27 | 23.54 | 13.68 | -97.4% |
| Diluted EPS | 0.46 | 18.11 | 23.28 | 13.63 | -97.4% |
| EBIT | -$221.76M | $1.65B | $2.59B | $1.47B | -113.5% |
| EBITDA | -$191.17M | $1.68B | $2.62B | $1.52B | -111.4% |
| Basic shares | 86.79M | 86.63M | 88.37M | 87.35M | +0.2% |
| Diluted shares | 87.34M | 87.36M | 89.34M | 87.70M | -0.0% |
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $3.35B | $3.84B | $5.79B | $4.27B | — | -12.8% |
| Cash & short-term investments | $3.35B | $3.92B | $6.31B | $5.24B | — | -14.4% |
| Accounts receivable | $826.14M | $566.54M | $499.03M | $221.00M | — | +45.8% |
| Total current assets | $12.14B | $12.41B | $10.07B | $8.30B | — | -2.2% |
| Property, plant & equipment | $75.66M | $98.53M | $69.55M | $82.67M | — | -23.2% |
| Goodwill & intangibles | $16.85M | $24.62M | $37.77M | $33.27M | — | -31.6% |
| Total assets | $13.45B | $12.98B | $10.28B | $8.54B | — | +3.6% |
| Total current liabilities | $1.78B | $2.14B | $1.92B | $1.50B | — | -16.7% |
| Long-term debt | $9.09M | — | — | $767.90M | $1.03B | — |
| Total debt | $48.85M | $40.77M | $23.65M | $803.13M | — | +19.8% |
| Total liabilities | $4.18B | $3.44B | $2.19B | $2.51B | — | +21.6% |
| Retained earnings | $4.21B | $4.44B | $2.99B | $908.87M | — | -5.2% |
| Shareholder equity | $9.27B | $9.54B | $8.09B | $6.03B | — | -2.8% |
| Working capital | $10.36B | $10.28B | $8.15B | $6.80B | — | +0.8% |
| Net tangible assets | $9.26B | $9.52B | $8.05B | $6.00B | — | -2.8% |
| Shares issued | 186.40M | 184.32M | 182.09M | 180.74M | — | +1.1% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $54.53M | $1.58B | $2.08B | $1.19B | -96.6% |
| Depreciation & amortisation | $30.59M | $28.29M | $25.44M | $52.83M | +8.1% |
| Stock-based compensation | $30.22M | $16.93M | $6.75M | $22.14M | +78.5% |
| Change in working capital | -$2.61B | -$1.49B | -$293.50M | $405.17M | -75.4% |
| Operating cash flow | $703.62M | $1.42B | $2.17B | $1.85B | -50.6% |
| Capital expenditure | -$25.74M | -$9.19M | -$4.44M | -$882.00K | -180.2% |
| Investing cash flow | -$1.58B | -$3.11B | $100.05M | $52.56M | +49.4% |
| Share buybacks | -$223.00K | -$75.61M | -$48.12M | -$3.84M | +99.7% |
| Dividends paid | -$273.13M | -$122.33M | $0 | $0 | -123.3% |
| Financing cash flow | $662.60M | -$277.23M | -$569.28M | -$489.12M | +339.0% |
| Free cash flow | $677.88M | $1.41B | $2.17B | $1.85B | -52.1% |
| End cash position | $3.87B | $4.10B | $6.06B | $4.36B | -5.6% |
| Line item | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $927.64M | $893.34M | $1.57B | $1.67B | $1.58B | +3.8% |
| Operating revenue | $925.75M | $1.62B | $1.28B | $1.44B | $1.58B | -42.7% |
| Cost of revenue | $197.55M | $250.88M | $149.91M | $160.86M | $224.74M | -21.3% |
| Gross profit | $730.09M | $642.46M | $1.42B | $1.51B | $1.35B | +13.6% |
| Research & development | $108.93M | $121.41M | $91.51M | $107.69M | $85.95M | -10.3% |
| Selling, general & admin | $184.07M | $249.03M | $436.18M | $424.03M | $372.79M | -26.1% |
| Total operating expense | $1.10B | $1.78B | $1.22B | $1.13B | $1.02B | -38.2% |
| Operating income | -$371.56M | -$1.14B | $207.93M | $381.50M | $330.40M | +67.4% |
| Net interest income | — | — | — | — | $24.21M | — |
| Pre-tax income | -$457.69M | -$1.11B | $373.69M | $425.85M | $273.98M | +58.8% |
| Tax provision | $37.02M | -$243.38M | $56.05M | $63.88M | $26.35M | +115.2% |
| Net income | -$493.54M | -$868.15M | $317.64M | $357.54M | $247.51M | +43.2% |
| Net income to common | -$493.54M | -$868.15M | $317.64M | $357.54M | $247.51M | +43.2% |
| Basic EPS | -5.64 | -10.12 | 3.65 | 4.14 | 2.86 | +44.3% |
| Diluted EPS | -5.64 | -10.12 | 3.63 | 4.11 | 2.85 | +44.3% |
| EBIT | -$371.56M | -$1.14B | $207.93M | $381.50M | $330.40M | +67.4% |
| EBITDA | -$371.56M | -$1.14B | $207.93M | $381.50M | $330.40M | +67.4% |
| Basic shares | 87.48M | 87.14M | 87.09M | 86.45M | 86.40M | +0.4% |
| Diluted shares | 87.48M | 87.65M | 87.58M | 87.05M | 86.97M | -0.2% |
| Line item | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $2.45B | $3.35B | $3.86B | $4.10B | $4.04B | -26.7% |
| Cash & short-term investments | $2.45B | $3.35B | $3.86B | $4.10B | $4.04B | -26.8% |
| Accounts receivable | $911.37M | $826.14M | $796.55M | $553.66M | $583.54M | +10.3% |
| Total current assets | $9.45B | $12.14B | $11.64B | $11.08B | $10.30B | -22.2% |
| Property, plant & equipment | $118.52M | $75.66M | $125.12M | $122.34M | $117.28M | +56.6% |
| Goodwill & intangibles | — | $16.85M | — | — | — | — |
| Total assets | $12.50B | $13.45B | $15.45B | $14.45B | $13.27B | -7.1% |
| Total current liabilities | $1.05B | $1.78B | $3.14B | $2.60B | $1.86B | -41.0% |
| Long-term debt | — | $9.09M | $9.26M | — | — | — |
| Total debt | $35.29M | $48.85M | $51.85M | $38.28M | $37.81M | -27.8% |
| Total liabilities | $3.72B | $4.18B | $5.11B | $4.47B | $3.52B | -11.0% |
| Retained earnings | $3.71B | $4.21B | $5.21B | $4.90B | $4.68B | -11.8% |
| Shareholder equity | $8.77B | $9.27B | $10.34B | $9.98B | $9.75B | -5.5% |
| Working capital | $8.40B | $10.36B | $8.49B | $8.48B | $8.43B | -18.9% |
| Net tangible assets | $8.77B | $9.26B | $10.34B | $9.98B | $9.75B | -5.3% |
| Shares issued | 174.98M | 186.40M | 174.68M | 172.81M | 184.52M | -6.1% |
| Line item | 2026-03-31 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|
| Operating cash flow | -$655.59M | $411.22M | $478.65M | -259.4% |
| Investing cash flow | -$24.76M | -$752.20M | -$145.59M | +96.7% |
| Financing cash flow | -$345.59M | $447.59M | -$80.58M | -177.2% |
| Free cash flow | -$655.59M | $411.22M | $478.65M | -259.4% |
| End cash position | $2.84B | $4.45B | $4.36B | -36.3% |
Options analytics
Put / call volume
—
—
Put / call open interest
—
Positioning, not flow
Max pain
2.50
+155.1% from spot
ATM implied vol
50.0%
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
2.50
0 contracts
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Analyst targets & ownership
Mean target—
High target—
Low target—
Implied upside—
Analyst count—
ConsensusNONE
Strong buy / Buy— / —
Hold—
Sell / Strong sell— / —
Held by insiders0.00%
Held by institutions2.53%
Institutions holding30
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
0.97
+1.02% from price
SMA 20
0.98
-0.34% from price
SMA 50
1.06
-7.95% from price
SMA 100
1.19
-17.97% from price
SMA 200
2.16
-54.54% from price
EMA 12
0.97
+0.82% from price
EMA 26
1.00
-2.19% from price
EMA 50
1.07
-8.81% from price
RSI (14)
46.1
Neutral
MACD (12,26,9)
-0.03
Hist 0.00
ATR (14)
0.05
5.28% of price
Realised vol 30D
42.5%
Annualised
Bollinger upper
1.03
20, 2σ
Bollinger lower
0.94
20, 2σ
50 / 200 cross
Death
1.06 vs 2.16
Trend bias
Below 200
-54.54%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
1.26
More volatile than market
Correlation to SPY
0.17
Largely independent
Realised vol 30D
42.5%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-87.3%
Peak to trough
Max drawdown 5Y
-90.3%
Peak to trough
ATR 14
0.05
5.28% of price
Beta (reported)
1.12
5Y monthly, from filing
Short interest
Shares short
115.33K
Prior 112.30K
Change vs prior
+2.7%
Shorts adding
% of float
0.73%
Normal
% of shares out
0.13%
Against total outstanding
Days to cover
2.2
Liquid
Float
14.46M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Feb 4, 20 | UBS | DOWNGRADE | Neutral | Sell |
| Jan 22, 20 | Credit Suisse | DOWNGRADE | Neutral | Underperform |
| Oct 3, 19 | Citigroup | DOWNGRADE | Neutral | Sell |
| Sep 5, 19 | Macquarie | DOWNGRADE | Neutral | Underperform |
| Aug 29, 18 | Needham | DOWNGRADE | Buy | Hold |
| Jun 25, 18 | Morgan Stanley | DOWNGRADE | Overweight | Equal-Weight |
| Nov 14, 17 | Macquarie | INITIATED | — | Outperform |
| Aug 10, 16 | Nomura | DOWNGRADE | — | — |
| Apr 11, 16 | Nomura | DOWNGRADE | Buy | Neutral |
| Jan 27, 16 | Needham | INITIATED | — | Buy |
Dividends & splits
Forward rate$0.00 / yr
Forward yield0.00%
5-year avg yield—
Payout ratio508.36%
Ex-dividend dateSep 30, 2025
Next pay dateOct 15, 2025
Last split—
Split date—
SEC filings
Corporate Changes & Voting Matters
6-K · 2026-09-30
Corporate Changes & Voting Matters
6-K · 2026-07-02
Corporate Changes & Voting Matters
6-K · 2026-06-26
Corporate Changes & Voting Matters
6-K · 2026-06-08
Corporate Changes & Voting Matters
6-K · 2026-06-01
Corporate Changes & Voting Matters
6-K · 2026-05-27
Periodic Financial Reports
20-F · 2026-04-29
Offering Registrations
S-8 · 2026-03-03
Headlines
Yiren Digital (YRD) Q2 2026 Earnings Call Transcript
Motley Fool · 5d ago
Weekly Losses Deepen As Small Caps Lag And Yields Edge Higher Into Earnings Gauntlet
CNW Group · 6d ago
Yiren Digital Ltd (YRD) (Q2 2026) Earnings Call Highlights: Credit Quality Improves as AI ...
GuruFocus.com · 7d ago
Yirendai Q2 Earnings Call Highlights
MarketBeat · 7d ago
Yiren Digital Shares Rise 6.1% as Second-Quarter Loss Narrows
InvestorsHub · 7d ago
Yiren Digital shares jump 6% on narrowed loss despite revenue miss
Investing.com · 7d ago
Yiren Digital Reports Second Quarter 2026 Unaudited Financial Results
PR Newswire · 7d ago
Yiren Digital to Report Second Quarter 2026 Financial Results on September 30, 2026
PR Newswire · 12d ago
PRIVATE STRATEGY · BY QUALIFICATION
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