Seeking Alpha·Jun 25, 2026
Yiren Digital Ltd. (YRD) Q1 2026 Earnings Call Prepared Remarks TranscriptYiren Digital Ltd. (YRD) Q1 2026 Earnings Call Prepared Remarks Transcript
Yiren Digital Ltd.(YRD)Earnings, Financials & Key Ratios
YRD•NYSE•Banking & Credit
$1.52
11.5× P/E·Price updated Jul 6, 2026
AboutYiren Digital Ltd., through its subsidiaries, operates as an online consumer finance marketplace that connects borrowers and investors in the People's Republic of China. It provides loan facilitation services; and post-origination services, such as cash processing, collection, and SMS services. The company's loan products portfolio includes unsecured consumer loans; secured consumer loan, which include secured financial leasing, auto-secured, and property-secured loans; and small business loans. It also distributes short-term cash management, mutual fund investment, insurance, and securities and stock products. In addition, the company provides online investor education services, which include a range of investment and trading topics, and various types of training programs on wealth planning, market insights, and investment strategies; consultancy information technology support; referral; and IT, system maintenance, and customer support services. Further, it is involved in the provision of services for financing lease and insurance brokerage businesses. The company offers its products through www.yxpuhui.com, and a wealth management website and mobile application. As of December 31, 2020, it had 60 fixed income products, 810 mutual fund products, and 296 insurance products. 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. is a subsidiary of Creditease Holdings (Cayman) Limited.Show more
- Net Interest Income$77M-27.4%
- Total Revenue$5.57B-4.0%
- Net Income$39M-97.5%
- Return on Equity0.42%-97.7%
- Net Interest Margin0.57%-29.9%
- Efficiency Ratio47.32%-16.1%
- ROA0.3%-97.8%
- Equity / Assets68.91%-6.2%
- Book Value per Share212.31+94.4%
YRD Price & Volume
Yiren Digital Ltd. (YRD) stock price & volume — 10-year historical chart
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Operational Volatility Masks Severe Capital Erosion Risks
Investment Thesis • Updated 2025Q4
VerdictNegative
Growth:Contracting
Profitability:Negative
Financial:Vulnerable
Cash Flow:Deteriorating
Primary Risk:Regulatory and Credit Volatility
Key Thesis Takeaways
- Yiren Digital faces a precarious outlook as its transition to a fee-heavy model, which now accounts for 98.5% of revenue, fails to offset escalating credit provisioning costs.
- The firm's recent swing to a $870 million net loss in 2025Q4, coupled with aggressive dividend payouts despite negative earnings, raises significant concerns regarding long-term capital sustainability.
- Investors should remain cautious as the efficiency ratio has deteriorated to 77.5%, signaling that the platform's operational costs are outpacing its ability to generate stable, profitable growth.
Verdict Logic
the firm's decision to pay out $273.1 million in dividends while reporting a $870 million net loss in 2025Q4 suggests a fundamental misalignment between capital allocation and operational reality.
YRD Growth Metrics
Yiren Digital Ltd. (YRD) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years15.5%
5 Years7.06%
3 Years17.5%
TTM-
Profit CAGR
10 Years-17.66%
5 Years-
3 Years-67.93%
TTM-96.67%
EPS CAGR
10 Years-16.51%
5 Years-
3 Years-59.58%
TTM-152.02%
Return on Capital
10 Years19.9%
5 Years22.94%
3 Years22.81%
Last Year19.02%
YRD Recent Earnings
Yiren Digital Ltd. (YRD) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 1/12 qtrs (50%)●Beat Revenue 1/12 qtrs (100%)
Q3 2026Latest
Jun 25, 2026Metric
Actual
Est
EPS
$0.82-316.0%
$0.38
Rev
—
$237M
Q2 2026
Mar 19, 2026Metric
Actual
Est
EPS
$1.44
—
Rev
$135M
—
Q4 2025
Nov 25, 2025Metric
Actual
Est
EPS
$0.51
—
Rev
$218M
—
Q3 2025
Aug 21, 2025Metric
Actual
Est
EPS
$0.57
—
Rev
$234M
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q3 2026Latest | Jun 25, 2026 | $0.82vs $0.38-316.0% | —vs $237M |
| Q2 2026 | Mar 19, 2026 | $1.44 | $135M |
| Q4 2025 | Nov 25, 2025 | $0.51 | $218M |
| Q3 2025 | Aug 21, 2025 | $0.57 | $234M |
Based on last 12 quarters of dataView full earnings history →
Latest YRD News
Recent stock market news and headlines for Yiren Digital Ltd. (YRD)
PRNewsWire·Jun 25, 2026
Yiren Digital Reports First Quarter 2026 Unaudited Financial ResultsBEIJING, June 25, 2026 /PRNewswire/ -- Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital" or the "Company"), a leading fintech company specializing in digital consumer lending, insurance and financial technology innovation across China and global markets, today announced its unaudited financial results for the first quarter ended March 31, 2026.
PRNewsWire·Jun 17, 2026
Yiren Digital to Report First Quarter 2026 Financial Results on June 25, 2026BEIJING, June 17, 2026 /PRNewswire/ -- Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital" or the "Company"), a leading fintech company specializing in digital consumer lending, insurance and financial technology innovation across China and global markets, today announced that it plans to release its unaudited financial results for the first quarter ended March 31, 2026 before U.S. market opens on Thursday, June 25, 2026.
Peers Comparison
Key metrics vs top competitors for Yiren Digital Ltd. (YRD)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $1.52 | $132.14M | 11.47 | -4.03% | 0.71% | 0.42% | 60.59% | |
| $15.27 | $1.99B | 1.21 | 8.83% | 33.86% | 24.95% | — | |
| $4.86 | $1.21B | 3.53 | 1.03% | 18.75% | 6.05% | — | |
| $1.87 | $315.4M | 1.39 | -9.94% | 11.52% | 14.68% | — | |
| $2.96 | $153.82M | 4.83 | -85.08% | 24.72% | 37.66% | — | |
| $130.99 | $83.62B | 17.02 | 6.96% | 29.84% | 21.02% | — |
Compare YRD vs Peers
Yiren Digital Ltd. (YRD) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
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YRD Frequently Asked Questions
Yiren Digital Ltd. (YRD) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Yiren Digital Ltd. growing?
Yiren Digital Ltd. (YRD) saw revenue decline by 4.0% over the past year.
Is YRD profitable?
Yes, Yiren Digital Ltd. (YRD) is profitable, generating $52.7M in net income for fiscal year 2025 (0.7% net margin).
Dividend & Returns
Does YRD pay dividends?
Yes, Yiren Digital Ltd. (YRD) pays a dividend with a yield of 60.59%. This makes it attractive for income-focused investors.
What is YRD's return on equity?
Yiren Digital Ltd. (YRD) has a return on equity (ROE) of 0.4%. This is below average, suggesting room for improvement.
Industry Metrics
What is Yiren Digital Ltd.'s net interest margin?
Yiren Digital Ltd. (YRD) has a net interest margin (NIM) of 0.6%. NIM has been under pressure due to interest rate environment.
What is Yiren Digital Ltd.'s efficiency ratio?
Yiren Digital Ltd. (YRD) has an efficiency ratio of 47.3%. This is excellent, indicating strong cost control.