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YRYRD

Yiren Digital Ltd.

$YRD·$103M·Financial - Credit Services·Financial Services
$1.18-2.5%YTD-68.7%1Y-81.4%
Mentions · last 7 days
2026-07-18: 0 posts2026-07-19: 0 posts2026-07-20: 0 posts2026-07-21: 0 posts2026-07-22: 0 posts2026-07-23: 2 posts2026-07-24: 2 posts40%
Price updated 23h ago·X counts updated 22h ago
YRYRD
$YRDYiren Digital Ltd.
$1.18-2.48%4 posts0%
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

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 2026-07-25

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

Yiren Digital is down 81% T12M as Q1 revenue plunged 40% — a $100M Chinese consumer-finance microcap pivoting to AI-agents with a fresh $20M buyback.

Yiren Digital Ltd. is a US-listed Chinese online consumer-finance marketplace (Creditease subsidiary, Beijing HQ, est. 2012) plus expanding AI-entertainment and AI-agent platform businesses. Shares are down 69% year-to-date and 81% over twelve months at $1.18 flat vs the 50-day but well below the 200-day MA with a $100M market cap, and August 13 Q2 earnings is the near-term catalyst.

  • Revenue trajectory is genuinely deteriorating: Q1 2026 revenue was $928M declining 40% YoY with 79% gross margin — the multi-quarter trajectory swung from +12% Q2 2025 through +5% Q3 to -35% Q4 to -40% Q1 2026, reflecting the specific China-consumer-finance-cycle weakness.
  • The July 23 AI-agent deployment is a specific strategic signal: ("Yiren Digital Accelerates Operating Efficiency Through AI Agent Deployment") plus the July 8 AI-Entertainment warrant agreement — a specific pattern of pivoting the traditional consumer-finance-platform business into AI-agent-and-entertainment territory.
  • The July 2 $20M share repurchase program is a specific capital-return event: Yiren Digital announced a new $20M share buyback — a specific pattern of returning capital at the depressed level (roughly 20% of market cap), reflecting balance-sheet flexibility.
  • Earnings-surprise pattern is genuinely poor: Q1 missed 316% (major miss) plus prior quarters have inconsistent estimates — the sharp Q1 miss reflects the specific challenge of forecasting China-consumer-finance-cycle earnings, and the -0.4x trailing PE reflects deep-value distress optically.

August 13 Q2 2026 earnings is the near-term hinge — a beat with revenue trajectory arresting the -40% decline plus commentary on AI-agent deployment attribution, consumer-finance-cycle stabilization, and any share-repurchase execution update could restart the tape toward $2+; a repeat 30%+ revenue decline or China-country-risk event is the near-term risk given the microcap illiquidity.

What to watch: August 13 Q2 2026 earnings — Q2 revenue trajectory arresting -40% decline, AI-agent deployment attribution, consumer-finance-cycle stabilization, and share-repurchase execution; repeat 30%+ revenue decline or China-country-risk event is the sell tell.

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

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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 agents transacting autonomously on behalf of consumers could decouple purchase decisions from card rails, threatening the interchange fee model.

What this means for $YRD

Neutral — Chinese online consumer finance marketplace connecting individual borrowers with investors, offering unsecured personal and secured collateralized loans; limited read-through from financial - credit services macro dynamics to this specific revenue mix.

Industry benchmark

18-name peer basket
+1.3%YTD
-7.9%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$0.38-315.7%
Q4 2025Mar 19, 2026$-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$12.95$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.0.0×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.6%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.-12.0%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.-63.2%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 today0.2% 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.β1.125-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
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
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 Accelerates Operating Efficiency Through AI Agent Deploymentprnewswire.com·3d agoYiren Digital Advances AI Entertainment Strategy Through Warrant Agreement with an AI-Native Entertainment and Emotional Wellness Platformprnewswire.com·18d agoYiren Digital Announces New $20 Million Share Repurchase Programprnewswire.com·24d agoYiren Digital Ltd. (YRD) Q1 2026 Earnings Call Prepared Remarks Transcriptseekingalpha.com·30d agoYiren Digital Reports First Quarter 2026 Unaudited Financial Resultsprnewswire.com·31d 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

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