Yiren Digital Ltd. (YRD)
Company Info
Highlights
$546.95M
$2.49
2.54
1.24
$5.88B
$5.03B
$1.35B
$3.83 - $8.89
$2.03
1.31%
0.78
Share Price Chart
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Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in Yiren Digital Ltd., comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends.
Returns By Period
Yiren Digital Ltd. (YRD) returned 33.60% year-to-date (YTD) and 36.12% over the past 12 months.
YRD
33.60%
19.20%
-0.73%
36.12%
11.08%
N/A
^GSPC (Benchmark)
-3.70%
13.67%
-5.18%
9.18%
14.14%
10.43%
Monthly Returns
The table below presents the monthly returns of YRD, with color gradation from worst to best to easily spot seasonal factors. Returns are adjusted for dividends.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2025 | 18.33% | 20.60% | 0.44% | -1.68% | -5.20% | 33.60% | |||||||
| 2024 | 37.82% | 19.30% | -12.09% | 11.75% | -3.97% | -6.41% | 4.86% | -4.84% | 30.93% | -0.88% | -10.82% | -4.57% | 60.01% |
| 2023 | 140.15% | -18.85% | -20.22% | -0.47% | -4.72% | 12.63% | 17.80% | 0.37% | -9.67% | -9.05% | 28.06% | 10.24% | 127.73% |
| 2022 | -13.99% | 5.69% | -2.31% | -19.29% | -16.10% | 4.65% | -28.33% | -15.50% | -1.84% | -24.57% | 33.82% | 26.86% | -52.10% |
| 2021 | 3.59% | 40.75% | 4.11% | -24.06% | -1.56% | 58.58% | -32.45% | -17.00% | -10.68% | 4.32% | 8.60% | -16.13% | -14.37% |
| 2020 | -17.48% | -9.17% | -3.61% | -1.49% | -3.29% | 8.12% | -13.08% | -9.19% | -9.82% | 11.91% | 16.41% | -12.79% | -39.82% |
| 2019 | 3.91% | 25.51% | -3.28% | 16.81% | 1.26% | -14.21% | -18.68% | -15.01% | -26.18% | -7.83% | -19.94% | 7.14% | -48.37% |
| 2018 | -8.07% | -6.31% | 6.23% | -11.64% | -33.48% | -9.55% | -15.41% | 1.00% | 1.49% | -15.43% | 6.94% | -35.40% | -75.36% |
| 2017 | 1.98% | 12.64% | 5.42% | -0.52% | -7.13% | 7.85% | 53.04% | 4.55% | 8.49% | 3.46% | -8.14% | 10.31% | 119.58% |
| 2016 | -27.83% | -12.76% | 95.63% | 6.01% | 17.50% | -4.14% | 84.46% | -6.05% | -1.70% | 22.47% | -2.17% | -26.97% | 119.26% |
| 2015 | 3.85% | 3.85% |
Risk-Adjusted Performance
Risk-Adjusted Performance Rank
The current rank of YRD is 66, indicating average performance compared to other stocks on our website. Here’s a breakdown of how it compares using common performance measures.
Risk-Adjusted Performance Indicators
The charts below present risk-adjusted performance metrics for Yiren Digital Ltd. (YRD) and compare them to a chosen benchmark (^GSPC). These indicators evaluate an investment's returns against its associated risks.
Dividends
Dividend History
Yiren Digital Ltd. provided a 6.77% dividend yield over the last twelve months, with an annual payout of $0.42 per share.
| Period | TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|
| Dividend | $0.42 | $0.20 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.28 | $1.50 |
Dividend yield | 6.77% | 4.17% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 2.60% | 3.41% |
Monthly Dividends
The table displays the monthly dividend distributions for Yiren Digital Ltd.. The dividends shown in the table have been adjusted to account for any splits that may have occurred.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2025 | $0.00 | $0.00 | $0.00 | $0.22 | $0.00 | $0.22 | |||||||
| 2024 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.20 | $0.00 | $0.00 | $0.00 | $0.20 |
| 2023 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| 2022 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| 2021 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| 2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| 2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| 2018 | $0.00 | $0.00 | $0.00 | $0.28 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.28 |
| 2017 | $1.50 | $0.00 | $0.00 | $0.00 | $1.50 |
Dividend Yield & Payout
Dividend Yield
Yiren Digital Ltd. has a dividend yield of 6.77%, which means its dividend payment is significantly above the market average.
Payout Ratio
Yiren Digital Ltd. has a payout ratio of 24.12%, which is below the market average. This means Yiren Digital Ltd. returns a smaller proportion of its earnings to shareholders as dividends, suggesting it retains a higher portion for reinvestment, growth, or debt payment.
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
Worst Drawdowns
The table below displays the maximum drawdowns of the Yiren Digital Ltd.. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the Yiren Digital Ltd. was 98.64%, occurring on Aug 30, 2022. The portfolio has not yet recovered.
The current Yiren Digital Ltd. drawdown is 87.14%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -98.64% | Oct 19, 2017 | 1224 | Aug 30, 2022 | — | — | — |
| -64.22% | Dec 29, 2015 | 31 | Feb 11, 2016 | 30 | Mar 28, 2016 | 61 |
| -46.32% | Aug 19, 2016 | 112 | Jan 30, 2017 | 126 | Jul 31, 2017 | 238 |
| -27.69% | Apr 5, 2016 | 31 | May 17, 2016 | 8 | May 27, 2016 | 39 |
| -21.02% | Jun 9, 2016 | 4 | Jun 14, 2016 | 19 | Jul 12, 2016 | 23 |
Volatility
Volatility Chart
The current Yiren Digital Ltd. volatility is 14.42%, representing the average percentage change in the investments's value, either up or down over the past month. The chart below shows the rolling one-month volatility.
Financials
Financial Performance
The chart below illustrates the trends in the financial health of Yiren Digital Ltd. over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.
Earnings Per Share
The chart presents the Earnings Per Share (EPS) performance of Yiren Digital Ltd., comparing actual results with analytics estimates. In the past quarter, the company did not meet analyst expectations for EPS, resulting in a surprise of -87.5%.
Valuation
The Valuation section provides an overview of how Yiren Digital Ltd. is priced in the market compared to other companies in the Credit Services industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.
PE Ratio
The chart displays the Price-to-Earnings (P/E) ratio for YRD, comparing it with other companies in the Credit Services industry. Currently, YRD has a P/E ratio of 2.5. This P/E ratio is considered low compared to industry peers, which may suggest that the stock is undervalued or that the company has weaker growth prospects.
PEG Ratio
The chart shows the Price/Earnings to Growth (PEG) ratio for YRD compared to other companies in the Credit Services industry. YRD currently has a PEG ratio of 1.2. This PEG ratio is close to the industry average, suggesting the stock’s valuation is balanced against its growth outlook.
PS Ratio
This chart shows the Price-to-Sales (P/S) ratio for YRD relative to other companies in the Credit Services industry. Currently, YRD has a P/S ratio of 0.1. This P/S ratio is low compared to the industry average. It may indicate that the stock is undervalued relative to its revenue, or that the market expects slower growth or lower margins.
PB Ratio
The chart illustrates the Price-to-Book (P/B) ratio for YRD in comparison with other companies in the Credit Services industry. Currently, YRD has a P/B value of 0.4. This P/B ratio is low compared to industry peers. It might indicate the stock is undervalued or that the company’s assets are not expected to generate strong returns.
Income Statement
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