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YRYRD

Yiren Digital Ltd.

$YRD·$86M·Financial - Credit Services·Financial Services
$0.96+4.5%YTD-73.5%1Y-85.5%
Price updated 6h ago·X counts updated 5d ago
YRYRD
$YRDYiren Digital Ltd.
$0.96+4.49%5 posts
AI analysisFundamentalsVoices on X
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On X

The complete picture of $YRD on X — how loud the conversation is right now, how it has trended over the last two weeks, and which way the crowd is leaning.

5X posts · last 7 days
Sep 20Sep 27

AI verdictAI analysisGenerated by AI from underlying data

TickerTalks' own read on what's driving $YRD — fundamentals, momentum, or an event — and whether it agrees with the X crowd.

Broken storySelling offAI verdict · as of 2026-10-01

Falling on heavy selling — points lower unless it turns around.

Yiren Digital Chinese consumer finance -73% YTD, -84% T12M — Q1 EPS of -$11.28 missed by 297%, business is in open distress.

Yiren Digital is a Chinese consumer finance marketplace in deep distress.

  • Operating performance has collapsed: Q1 2026 revenue of RMB 927.6M was down 40.3% YoY with operating margin at -40.1%, EPS of -$11.28 missed by -297% — this is the magnitude-of-distress that follows a fundamental deterioration in the consumer-lending or regulatory environment, and Q4 2025 at -$20.00 EPS compounds the picture.
  • The stock at 2.2%-ile 52-week range after -73% YTD and -84% T12M reflects extreme capitulation — trailing P/E of -0.4 confirms recent losses, P/S of 0.17 at these levels is well below any defensible fair value for a profitable financial services company, and FCF yield of 80% is distorted by one-time items rather than sustainable cash generation.
  • The Chinese-ADR context adds overhang: Creditease Holdings parent, PRC consumer-lending regulatory risk, and the general US-China ADR delisting concerns are all working against the stock — the Yirendai (NYSE:YRD) & Regional Management (NYSE:RM) Critical Survey news flow positions the stock as a comparison target in the consumer-credit space.

Nov-25 Q3 earnings is the next data point. The real question is whether revenue stabilizes and operating losses narrow — any sign of operational turn would catalyze a short-covering reversal; continued distress keeps the stock in capitulation mode. Position-size strictly as a speculative Chinese ADR with meaningful delisting and regulatory risk.

What to watch: Nov-25 Q3 earnings for revenue stabilization, loan-portfolio quality disclosures, PRC regulatory updates, and ADR-delisting risk management.

On the calendar: 2026-11-25 — Q3 2026 earnings

float missingno x sentiment

Read the AI verdict on $YRD

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • Whether TickerTalks' read agrees with or diverges from the X crowd
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What it does

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

Chinese online consumer finance marketplace connecting individual borrowers with investors, offering unsecured personal and secured collateralized loans.

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

No material change from last week — AI-driven underwriting (Upstart, SoFi) and BNPL (Affirm, Klarna) continue reshaping consumer credit while Visa and Mastercard card networks hold on premium-spend mix.

What this means for $YRD

Partial — Chinese online consumer finance marketplace connecting individual borrowers with investors, offering unsecured personal and secured collateralized loans.

Industry benchmark

20-name peer basket
-10.1%YTD
-20.4%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
Q2 2026Sep 30, 2026$-0.75$0.38-297.3%
Q1 2026Jun 25, 2026$-0.82$0.38-315.7%
Q4 2025Mar 19, 2026$-1.44——
Q3 2025Nov 25, 2025$0.51——
Next earningsWed, Nov 25·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$12.95$12.95 – $12.951
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.0.8×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.2%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.-15.1%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.-58.5%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 today0.1% 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.β1.145-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
Free, forever. No credit card.

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
AI summary

Ning Tang filed Amendment No. 1 (or initial) to his Schedule 13D for Yiren Digital Ltd. (YRD), disclosing sole beneficial ownership of 143,421,412 ordinary shares (82.0%) as of the filing date of June 8, 2026. The percentage is based on 174,976,922 ordinary shares outstanding as of March 31, 2026 per YRD's Form 20-F. Tang holds sole voting and dispositive power with no shared positions. At 82%, Tang effectively controls Yiren Digital; this filing is a material update to the existing 13D disclosing his dominant controlling stake.

3New insider — initial holdingsApr 233
+ 7 other (6 6-Ks · 1 20-F) in window

Recent news

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

Yiren Digital Ltd. (YRD) Q2 2026 Earnings Call Prepared Remarks Transcriptseekingalpha.com·3d agoYirendai Q2 Earnings Call Highlightsmarketbeat.com·3d agoYiren Digital Reports Second Quarter 2026 Unaudited Financial Resultsprnewswire.com·3d agoYiren Digital to Report Second Quarter 2026 Financial Results on September 30, 2026prnewswire.com·8d agoYirendai (NYSE:YRD) & Regional Management (NYSE:RM) Critical Surveydefenseworld.net·24d ago

In themes

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

Consumer Fintech & Neobanks

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Voices on X · last 7 days

No standout posts about $YRD on X in the 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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