- ISIN
- US98585L1008
- CUSIP
- 98585L100
- Sector
- Financial Services
- Industry
- Credit Services
- IPO Date
- Dec 18, 2015
Highlights
- Market Cap
- $49.67M
- Enterprise Value
- -$516.82M
- EPS (TTM)
- CN¥0.72
- PE Ratio
- 10.65
- Total Revenue (TTM)
- CN¥5.73B
- Gross Profit (TTM)
- CN¥4.94B
- EBITDA (TTM)
- CN¥233.03M
- Year Range
- $1.13 - $6.79
- ROA (TTM)
- 0.39%
- ROE (TTM)
- 0.57%
Share Price Chart
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Performance
YRD Performance Chart
Yiren Digital Ltd. (YRD) is down 69.2% since the beginning of the year. At $1 per share, YRD is trading 83.2% below its 52-week high of $7. Investors who bought $1,000 worth of YRD shares 5 years ago would now be looking at an investment worth $213.
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Returns By Period
Yiren Digital Ltd. (YRD) has returned -69.19% so far this year and -79.91% over the past 12 months. Over the last ten years, YRD has returned -20.61% per year, falling short of the S&P 500 Index benchmark, which averaged 13.88% annually.
Yiren Digital Ltd.
- 1D
- -0.87%
- 1M
- -28.75%
- YTD
- -69.19%
- 6M
- -72.79%
- 1Y
- -79.91%
- 3Y*
- -19.49%
- 5Y*
- -26.61%
- 10Y*
- -20.61%
Benchmark (S&P 500 Index)
- 1D
- -0.37%
- 1M
- -0.01%
- YTD
- 9.16%
- 6M
- 8.64%
- 1Y
- 25.22%
- 3Y*
- 19.78%
- 5Y*
- 11.99%
- 10Y*
- 13.88%
YRD Monthly Returns History
Based on dividend-adjusted daily data since Dec 18, 2015, YRD's average daily return is +0.04%, while the average monthly return is +0.76%. At this rate, an investment would double in approximately 7.6 years.
Historically, 43% of months were positive and 57% were negative. The best month was Jan 2023 with a return of +140.2%, while the worst month was Mar 2026 at -55.9%. The longest winning streak lasted 5 consecutive months, and the longest losing streak was 6 months.
On a daily basis, YRD closed higher 46% of trading days. The best single day was Aug 31, 2022 with a return of +54.6%, while the worst single day was Mar 19, 2026 at -44.8%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 7.30% | -1.76% | -55.90% | 12.21% | -29.53% | -16.18% | -69.19% | ||||||
| 2025 | 18.33% | 20.60% | 0.44% | -1.68% | -4.28% | -6.23% | 0.85% | -1.69% | 5.77% | -5.90% | -19.35% | -17.78% | -17.23% |
| 2024 | 37.82% | 19.30% | -12.09% | 11.75% | -3.97% | -6.40% | 4.86% | -4.84% | 30.93% | -0.88% | -10.82% | -4.57% | 60.01% |
| 2023 | 140.15% | -18.84% | -20.22% | -0.47% | -4.72% | 12.62% | 17.80% | 0.37% | -9.67% | -9.05% | 28.05% | 10.25% | 127.74% |
| 2022 | -13.99% | 5.69% | -2.31% | -19.29% | -16.10% | 4.65% | -28.33% | -15.50% | -1.83% | -24.58% | 33.83% | 26.85% | -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% |
Benchmark Metrics
Yiren Digital Ltd. has an annualized alpha of -4.64%, beta of 1.14, and R2 of 0.07 versus S&P 500 Index. Calculated based on daily prices since December 18, 2015.
- This stock participated in 156.30% of S&P 500 Index downside but only 28.09% of its upside - more exposed to losses than it benefited from rallies.
- R2 of 0.07 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.
- Alpha
- -4.64%
- Beta
- 1.14
- R²
- 0.07
- Upside Capture
- 28.09%
- Downside Capture
- 156.30%
Return for Risk
Risk / Return Rank
YRD ranks 2 for risk / return — in the bottom 2% of stocks on our site. This means you're taking on significantly more risk than the returns justify. Consider whether the potential upside is worth the volatility, or explore alternatives with better risk / return profiles.
Return / Risk — by metrics
The table below present risk-adjusted performance metrics for Yiren Digital Ltd. (YRD) and compare them to S&P 500 Index.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| YRD | Benchmark | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -3.26 | ||
| Sortino ratioReturn per unit of downside risk | -5.06 | ||
| Omega ratioGain probability vs. loss probability | 0.63 | 1.37 | -0.73 |
| Calmar ratioReturn relative to maximum drawdown | -0.97 | 2.78 | -3.75 |
| Martin ratioReturn relative to average drawdown | -1.81 | 12.44 | -14.25 |
Dividends
Dividend History
Yiren Digital Ltd. provided a 19.30% dividend yield over the last twelve months, with an annual payout of $0.22 per share.
| Period | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Dividend | $0.22 | $0.44 | $0.20 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.28 | $1.48 |
Dividend yield | 19.30% | 11.89% | 4.17% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 2.60% | 3.37% |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | ||||||
| 2025 | $0.00 | $0.00 | $0.00 | $0.22 | $0.00 | $0.00 | $0.00 | $0.00 | $0.22 | $0.00 | $0.00 | $0.00 | $0.44 |
| 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 |
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.
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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 97.55%.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
Bear market2022 | -98.64%Aug 2022 | 4y 10mo | — | 8y 8moOct 2017 - now |
2016 bear market2016 | -64.40%Feb 2016 | 1mo 25d | 1mo 18d | 3mo 13dDec 2015 - Mar 2016 |
2017 bear market2017 | -46.32%Jan 2017 | 5mo 14d | 6mo 2d | 11mo 16dAug 2016 - Jul 2017 |
2016 bear market2016 | -27.69%May 2016 | 1mo 12d | 10d | 1mo 22dApr 2016 - May 2016 |
2016 bear market2016 | -21.02%Jun 2016 | 5d | 28d | 1mo 3dJun 2016 - Jul 2016 |
Drawdown Indicators
| YRD | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -98.64% | -56.78% | -41.86% |
Max Drawdown (1Y)Largest decline over 1 year | -82.73% | -9.10% | -73.63% |
Max Drawdown (3Y)Largest decline over 3 years | -85.78% | -18.90% | -66.88% |
Max Drawdown (5Y)Largest decline over 5 years | -89.12% | -25.43% | -63.69% |
Max Drawdown (10Y)Largest decline over 10 years | -98.64% | -33.92% | -64.72% |
Current DrawdownCurrent decline from peak | -97.55% | -1.80% | -95.75% |
Average DrawdownAverage peak-to-trough decline | -73.84% | -10.71% | -63.13% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 44.14% | 2.03% | +42.11% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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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.
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 10.6. This P/E ratio is in line with the industry average, suggesting the stock may be fairly valued relative to its earnings.
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 0.0. 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
| TTM | |
|---|---|
Revenue | — |
Total Revenue | — |
Cost Of Revenue | — |
Gross Profit | — |
Operating Expenses | — |
Selling, General & Admin Expenses | — |
R&D Expenses | — |
Depreciation And Amortization | — |
Total Operating Expenses | — |
Income | — |
Income Before Tax | — |
Operating Income | — |
EBITDA | — |
EBIT | — |
Earnings From Continuing Operations | — |
Net Income | — |
Income Tax Expense | — |
Other Non-Operating Income (Expenses) | — |
Extraordinary Items | — |
Discontinued Operations | — |
Effect Of Accounting Charges | — |
Non Recurring | — |
Minority Interest | — |
Other Items | — |
Interest Income | — |
Interest Expense | — |
Net Interest Income | — |
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