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YRYRD

Yiren Digital Ltd.

Hot onTrending downwardX chatter spiked vs its recent normMoving on elevated volume
$YRD·$125M·Financial - Credit Services·Financial Services
$1.44+59.7%YTD-61.8%1Y-76.2%
Mentions · last 7 days
2026-06-26: 1 posts2026-06-27: 0 posts2026-06-28: 3 posts2026-06-29: 1 posts2026-06-30: 4 posts2026-07-01: 1 posts2026-07-02: 189 posts199
Price updated 1d ago·X counts updated 2d ago
YRYRD
$YRDYiren Digital Ltd.
$1.44+59.68%199 posts
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Top X posts

Today's AI verdict on what's driving $YRD, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Broken storyWinding up for a moveAI verdict · as of 2026-07-03

Trading in a tight range and building pressure — a move looks likely soon, but the direction isn't clear yet.

Yiren Digital is a Chinese fintech microcap up 60% today on a $20M buyback — down 77% t12m with a controlling-shareholder restructuring.

Yiren Digital is a Chinese consumer credit and financial-services platform. The stock is at $1.44 with a massive 60% single-session move today on a $20M buyback announcement, but it's still down 77% year-over-year — this is a broken microcap tape coiling with new capital-return activity.

  • The $20M buyback is meaningful at this scale: Yiren announced a new $20M share repurchase program — that's real capital return for a sub-$100M market cap company, and the buyback authorization is what's driving today's 60% pop.
  • Q1 was actually decent: revenue was $928M RMB (~$127M USD) down 40% year-over-year but with a -40% operating margin — the top-line decline reflects the challenging China credit environment, and the mixed print is what has kept the stock at the lows.
  • The controlling-shareholder restructuring is worth watching: Ning Tang increased beneficial ownership through a controlling-shareholder restructuring — that's a specific structural signal that founder is doubling down at the current level, and it aligns with the buyback authorization.
  • The valuation is broken: at 0.17x trailing sales and -0.42x P/E (from negative earnings), Yiren is priced like a distressed asset — the $20M buyback at this level is essentially management saying they think the equity is worth more than the market is paying.

Whether today's 60% pop holds depends on the August 13 Q2 earnings print — a maintained credit book stabilization plus specific commentary on the buyback execution runs the tape past $2.50; another declining-revenue quarter or credit-quality deterioration triggers a give-back to the sub-$1 area. Watch China credit-quality metrics and the buyback execution pace as the primary drivers.

What to watch: Q2 earnings August 13 — maintained credit book stabilization plus buyback execution commentary runs the tape past $2.50. Another declining revenue quarter or credit-quality deterioration triggers a give-back below $1. Watch China credit-quality metrics.

On the calendar: 2026-08-13 — Q2 earnings

Read the AI verdict + X sentiment for $YRD

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What it does

Plain-English summary of the business — what they sell and how they make money.

Yiren Digital Ltd., a subsidiary of Creditease Holdings (Cayman) Limited, operates as a leading online consumer finance marketplace connecting borrowers and investors across the People's Republic of China. Founded in Beijing in 2012 and previously known as Yirendai Ltd. until its name change in September 2019, the company's primary function involves facilitating loans. This includes not only the initial matching service but also comprehensive post-origination support, such as cash processing, debt collection, and communication management. Its diverse portfolio of loan products encompasses unsecured consumer credit, various secured consumer loans (including those collateralized by financial leases, automobiles, and real estate), and financing solutions tailored for small businesses. Beyond its lending activities, Yiren Digital also makes available a selection of financial investment products, such as short-term cash management tools, mutual funds, insurance policies, and securities. To further support its clientele, the company provides extensive online investor education services, covering a broad spectrum of investment and trading topics. It also offers specialized training programs focusing on wealth planning, market analysis, and strategic investment approaches. Additionally, Yiren Digital furnishes IT consultancy and support, referral services, system maintenance, and dedicated customer assistance. The firm also extends its operations into financial lease services and insurance brokerage. Customers can access Yiren Digital's offerings through its dedicated website, www.yxpuhui.com, alongside a specialized wealth management portal and a proprietary mobile application. As of December 31, 2020, the company showcased an impressive range of products, featuring 60 fixed income options, 810 mutual fund offerings, and 296 distinct insurance products.

Industry overviewAI analysisGenerated by AI from underlying data

Where Financial - Credit Services sits in its cycle right now — and what that implies for $YRD.

Financial - Credit Services · Financial Services

Agentic commerce is the structural repricing event for payment network infrastructure — AI agents transacting autonomously on behalf of consumers could decouple purchase decisions from card rails, threatening the interchange fee model. Near-term, consumer credit quality is broadly stable but student loan pressures and auto credit tightening create sector-specific stress.

Industry benchmark

13-name peer basket
+7.9%YTD
-13.2%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
-0.4How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
4.8%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
12.0%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
79.9%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
0.2Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
-7.2%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
85.0%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
0.0Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q1 2026Jun 25, 2026$-0.82$0.38-316.0%
Q4 2025Mar 19, 2026$-1.44——
Q3 2025Nov 25, 2025$0.51——
Q2 2025Aug 21, 2025$0.57——
Next earningsThu, Aug 13·consensus EPS $0.38

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q1 FY26$927.6M-40.3%78.7%-40.1%$-11.28—
Q4 FY25$945.4M-34.9%72.8%-4.7%$-20.00$-206.5M
Q3 FY25$1.6B+5.1%90.4%41.7%$3.66$-5.5M
Q2 FY25$1.7B+11.9%90.4%22.8%$4.14$411.2M

Forward consensus

5-year forecast · up to 1 analysts
FYRevenueRangeEPSRangeAnalysts
FY28$8.0B$8.0B – $8.0B$10.13$10.13 – $10.131
FY29$4.1B$4.1B – $4.1B$0.32$0.32 – $0.321
FY30$5.0B$5.0B – $5.0B$12.96$12.96 – $12.961
FY31$4.4B$4.4B – $4.4B$7.78$7.78 – $7.781
FY32$3.9B$3.9B – $3.9B$2.89$2.89 – $2.891

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.348.2×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.10%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.-8.4%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.-59.7%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatLow float · 29.4M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today192.8% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β1.065-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

No open-market buys or sells in the last 180 days.

+ 1 other (1 other) in window

See when $YRD insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
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SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

SC 13D/AActivist amendmentJun 8SC 13D/A
3New insider — initial holdingsApr 233
3New insider — initial holdingsMar 273
3New insider — initial holdingsMar 263
3New insider — initial holdingsMar 183
3New insider — initial holdingsMar 183
3New insider — initial holdingsMar 183
3New insider — initial holdingsMar 183
+ 10 other (6 6-Ks · 2 3s · 1 20-F · 1 S-8) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Yiren Digital Announces New $20 Million Share Repurchase Programprnewswire.com·3d agoYiren Digital Ltd. (YRD) Q1 2026 Earnings Call Prepared Remarks Transcriptseekingalpha.com·9d agoYiren Digital Reports First Quarter 2026 Unaudited Financial Resultsprnewswire.com·10d agoYiren Digital to Report First Quarter 2026 Financial Results on June 25, 2026prnewswire.com·18d agoYiren Digital Announces Increase in Beneficial Ownership by Mr. Ning Tang Following Controlling Shareholder Restructuringprnewswire.com·27d ago

In themes

Explore the broader themes this ticker is being talked about under.

Consumer Fintech & Neobanks

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Voices on X · top 4 · last 7 days

TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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