YRD
Yiren Digital Ltd.
There isn't enough reported data to score YRD yet.
YRD Fundamentals
| Metric | Status |
|---|---|
| Weak | |
| Under pressure | |
| N/A | |
| N/A |
YRD's revenue and profitability are currently under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like YRD.
YRD PE Valuation
YRD has no meaningful PE right now: it lost money over the past year.
YRD Forward outlook
There aren't enough analyst estimates for YRD to show an outlook.
YRD Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q2 2026 | -$2.56 | -215% |
| Q1 2026 | -$1.18 | -151% |
| Q4 2025 | $0.10 | -96% |
| Q3 2025 | $2.16 | -31% |
| Q2 2025 | $2.22 | -35% |
| Q1 2025 | $2.31 | -36% |
| Q4 2024 | $2.71 | -23% |
| Q3 2024 | $3.11 | -6.9% |
YRD has swung to a loss: it lost $2.56 per share over the past year, after a profit the year before.
YRD Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $133.6M | -47% |
| Q1 2026 | $137.3M | -41% |
| Q4 2025 | $141.9M | -35% |
| Q3 2025 | $233.4M | +5.1% |
| Q2 2025 | $251.3M | +12% |
| Q1 2025 | $233.3M | +13% |
| Q4 2024 | $217.9M | +14% |
| Q3 2024 | $222M | +13% |
YRD's revenue has slid since its 2019 peak: $134M last quarter, down 47% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | -40% | -62 points |
| Q1 2026 | 27% | +7.3 points |
| Q4 2025 | -4.7% | -25 points |
| Q3 2025 | 42% | +19 points |
| Q2 2025 | 23% | -25 points |
| Q1 2025 | 20% | -22 points |
| Q4 2024 | 20% | -34 points |
| Q3 2024 | 23% | -30 points |
YRD's operating margin was −40% last quarter, down 62 points from the same quarter a year ago, near the bottom of its range since 2019.
YRD Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | -$154.4M | -350% |
| Q1 2026 | -$98.4M | -237% |
| Q4 2025 | -$31M | -$31M |
| Q3 2025 | -$823K | -$823K |
| Q2 2025 | $61.7M | +11% |
| Q1 2025 | $71.8M | -24% |
| Q4 2024 | $0 | $0 |
| Q3 2024 | $0 | $0 |
YRD's free cash flow was −$285M over the past year, against $134M the year before. Free cash flow isn't a meaningful measure for financial services companies like YRD.
YRD Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | +12.7K shares |
| 1 year | +0.5% | +437K shares |
| 3 years | -2.3% | -2.1M shares |
| 5 years | +3.4% | +2.9M shares |
| Available history | -6.1% | -5.7M shares |
YRD has 87M diluted shares, up 0.5% from a year ago.
| Quarter | Spent |
|---|---|
| Q2 2026 | — |
| Q1 2026 | — |
| Q4 2025 | $33,466 |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | — |
YRD spent $33,466 buying back its own shares over the past year, after none the year before.
YRD Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q4 2025 | -13.9x | Net Cash |
| Q3 2025 | -2.3x | Net Cash |
| Q2 2025 | -3.0x | Net Cash |
| Q1 2025 | -2.9x | Net Cash |
| Q4 2024 | -2.3x | Net Cash |
| Q3 2024 | -1.8x | Net Cash |
| Q2 2024 | -2.3x | Net Cash |
| Q1 2024 | -2.2x | Net Cash |
YRD has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like YRD.
YRD Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 19.0 | Oversold |
| Stochastic | 2.9 | Oversold |
YRD's weekly RSI is 19 (oversold) and its Stochastic is 3 (oversold).
YRD PE vs Financial Services Sector
| Metric | YRD | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
YRD has no meaningful PE right now: it lost money over the past year.
YRD Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $0.68 | 53% below |
| 20 week MA | $0.97 | 67% below |
| 50 week MA | $2.08 | 85% below |
| 100 week MA | $4.01 | 92% below |
| 200 week MA | $3.88 | 92% below |
YRD is in a downtrend: it's below all five of its weekly moving averages, and 92% below its 200-week average.
YRD Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $5.06 | $3.05 | -40% |
| 2021 | $3.05 | $2.75 | -9.8% |
| 2022 | $2.75 | $1.31 | -52% |
| 2023 | $1.31 | $3.12 | +138% |
| 2024 | $3.12 | $4.87 | +56% |
| 2025 | $4.87 | $4.00 | -18% |
| 2026 YTD | $4.00 | $0.32 | -92% |
YRD's yearly returns have swung widely, from +138% in 2023 to −52% in 2022. It's down 92% so far in 2026.