Sign in

YRD on NYSE

Yiren Digital Ltd.

Yiren Digital Ltd. is a finance services company in the Cayman Islands, listed on NYSE (YRD).1

Price unavailable

Last updated Oct 21, 2026.

Overview

5.7BRevenue, fiscal 20252
$7.8MNet income, fiscal 20252

Compare with Lufax or Eason Technology Ltd, or pick any stock.

  • TickerYRD on NYSE1
  • IndustryFinance Services1
  • HeadquartersE91
  • Incorporated inCayman Islands3
  • Business address28/F, China Merchants Bureau Building, 118 Jianguo Road, Chaoyang District, Beijing, 1000223
  • Filer categoryNon-accelerated filer3

See how the biggest companies compare on our leaderboards

Management (Shenzhen) Co., Ltd., or Dekai Yichuang, in May 2019 from CreditEase as a part of our business realignment with CreditEase.4 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2025

-14.9%Operating margin2
0.1%Net margin2
-1.5%Revenue growth, 20252
0.6%Return on equity2
$96.9MFree cash flow2

What sells

Revenue by product, business segment and region, as the company reports it to the SEC.

Products and services

Credit Solution Business brought in 77% of the revenue Yiren Digital Ltd. broke down this way in fiscal 2025.

  1. Credit Solution Business5.0B CNY277%up 45% from 2024
  2. Network And Marketing Services600.8M CNY29%up 193% from 2024
  3. Others381.6M CNY26%down 80% from 2024
  4. Insurance Brokerage Business297.6M CNY25%down 27% from 2024
  5. Technology Service246.9M CNY24%up 1530% from 2024
  6. Penalty Fees1.3M CNY20%down 52% from 2024
Products and services by year
Products and services202320242025
Credit Solution Business2.5B CNY3.5B CNY5.0B CNY
Network And Marketing Services120.2M CNY205.2M CNY600.8M CNY
Others1.4B CNY1.9B CNY381.6M CNY
Insurance Brokerage Business963.8M CNY408.4M CNY297.6M CNY
Technology Service18.7M CNY15.1M CNY246.9M CNY
Penalty Fees11.2M CNY2.8M CNY1.3M CNY

Business segments

Credit Solution Business brought in 88% of the revenue Yiren Digital Ltd. broke down this way in fiscal 2025.

  1. Credit Solution Business5.0B CNY288%up 45% from 2024
  2. Other381.6M CNY27%down 80% from 2024
  3. Insurance Brokerage Business297.6M CNY25%down 27% from 2024
Business segments by year
Business segments202320242025
Credit Solution Business2.5B CNY3.5B CNY5.0B CNY
Other1.4B CNY1.9B CNY381.6M CNY
Insurance Brokerage Business963.8M CNY408.4M CNY297.6M CNY

Where the money goes

Where each dollar of revenue went, fiscal 2025

  • Research and development1¢$58.1M
  • Other costs99¢$5.6B
  • Income tax0¢$13.9M
  • Profit0¢$7.8M

Out of $5.7B in revenue.2

Where each dollar of operating cash went, fiscal 2025

  • Capital spending4¢$3.7M
  • Dividends paid39¢$39.1M
  • Share buybacks0¢$32.0K
  • Kept or used elsewhere57¢$57.8M

Out of $100.6M of cash from operations.2

Financial statements

Revenue567892$5.7B in 2025+600% since 2018
0$2.0B$4.0B$6.0B2018: $817.5M$817.5M20182019: $1.2B$1.2B2019+51%2020: $607.2M$607.2M2020−51%2021: $702.7M$702.7M2021+16%2022: $498.0M$498.0M2022−29%2023: $4.9B$4.9B2023+883%2024: $5.8B$5.8B2024+19%2025: $5.7B$5.7B2025−1%
Net income5678910112$7.8M in 2025−94% since 2018
-$200.0M-$100.0M0$100.0M$200.0M$300.0M2018: $140.6M$140.6M20182019: $166.0M$166.0M2019+18%2020: -$106.2M-$106.2M20202021: $162.1M$162.1M20212022: $173.2M$173.2M2022+7%2023: $293.0M$293.0M2023+69%2024: $216.8M$216.8M2024−26%2025: $7.8M$7.8M2025−96%

Every line of the income statement as filed: the last 3 fiscal years, latest first.2

Period ending2025-12-312024-12-312023-12-31
Net revenue (including revenue from related parties of RMB141,595, RMB32,192 and RMB7,897 for the years ended December 31,2023, 2024 and 2025, respectively)5.7B CNY5.8B CNY4.9B CNY
Sales and marketing (including expenses from related parties of RMB24, nil and RMB9,005 for the years ended December 31, 2023, 2024 and 2025, respectively)-1.2B CNY-1.2B CNY-656.6M CNY
Origination, servicing and other operating costs (including costs from related parties of RMB324,854, RMB283,907 and RMB208,313 for the years ended December 31, 2023, 2024 and 2025, respectively)-786.4M CNY-883.0M CNY-976.2M CNY
Research and development (including expenses from related parties of RMB52,468, RMB252,802 and RMB208,227 for the years ended December 31, 2023, 2024 and 2025, respectively)-406.6M CNY-411.9M CNY-148.8M CNY
General and administrative (including expenses from related parties of RMB19,567, RMB27,339 and RMB25,325 for the years ended December 31, 2023, 2024 and 2025, respectively)-322.1M CNY-274.7M CNY-231.1M CNY
Allowance for contract assets, receivables and others-899.7M CNY-523.6M CNY-261.2M CNY
Provision for contingent liabilities-2.4B CNY-869.3M CNY-27.0M CNY
Total operating costs and expenses-5.9B CNY-4.2B CNY-2.3B CNY
Investment income7.8M CNY26.3M CNY18.9M CNY
Interest income, net (including income from related parties of RMB6,937, RMB17,383 and RMB39,907 for the years ended December 31, 2023, 2024 and 2025, respectively)78.7M CNY79.1M CNY61.9M CNY
Fair value adjustments (loss)/gain69.0M CNY107.5M CNY-50.2M CNY
Other income, net (including expenses from related parties of nil, RMB1,003 and nil for the years ended December 31, 2023, 2024 and 2025, respectively)28.2M CNY1.8M CNY20.0M CNY
Total other income, net183.7M CNY214.9M CNY50.6M CNY
Income/(loss) before provision for income taxes-38.0M CNY1.9B CNY2.6B CNY
Share of results of equity investees-4.6M CNY-440.0K CNY
Income tax (expenses)/benefit97.1M CNY-279.2M CNY-565.2M CNY
Net income54.5M CNY1.6B CNY2.1B CNY
Basic net income per share (in Dollars per share and Yuan Renminbi per share)0.31 CNY9.13 CNY11.77 CNY
Weighted average number of ordinary shares outstanding, basic (in Shares)173.6M shares173.3M shares176.7M shares
Diluted net income per share (in Dollars per share and Yuan Renminbi per share)0.31 CNY9.06 CNY11.64 CNY
Weighted average number of ordinary shares outstanding, diluted (in Shares)174.7M shares174.7M shares178.7M shares
Net revenue (including revenue from related parties7.9M CNY32.2M CNY141.6M CNY
Sales and marketing including expenses from related parties9.0M CNY24.0K CNY
Origination, servicing and other operating costs including costs from related parties208.3M CNY283.9M CNY324.9M CNY
Research and development including expenses from related parties208.2M CNY252.8M CNY52.5M CNY
General and administrative including expenses from related parties25.3M CNY27.3M CNY19.6M CNY
Interest income, net including income from related parties39.9M CNY17.4M CNY6.9M CNY
Other income, net including expenses from related parties1.0M CNY

Compare Yiren Digital Ltd. with another company

Corporate structure

Yiren Digital Ltd. sits at the top of its group. 1 entity, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of Yiren Digital Ltd.

  • Yiren Digital Ltd. E9

Built from major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What Yiren Digital Ltd. reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, net$7.2M2 Dec 31, 2025$10.8M11 Dec 31, 2024−33.1%
Operating-lease assets (leased space)$5.3M2 Dec 31, 2025$5.4M11 Dec 31, 2024−1.8%

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$478.8M2 Dec 31, 2025$526.3M11 Dec 31, 2024−9.0%
Debt securities available for sale$48.4M11 Dec 31, 2024$61.7M10 Dec 31, 2023−21.6%
Debt securities held to maturity$902.0K11 Dec 31, 2024$1.5M10 Dec 31, 2023−38.6%
Stakes in other companies (equity method)$1.6M2 Dec 31, 2025

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill4.8M CNY2 Dec 31, 20254.8M CNY2 Dec 31, 20240%

Leadership

Who has led Yiren Digital Ltd., and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Ning Tang2026–now

Chair

  1. Ning Tang2026–now

Chief financial officer

  1. Ka Chun William Hui2026–now
Board members and other officers (3)

Former names

  • Yirendai Ltd.Feb 27, 2015 to Sep 30, 20193

Timeline

  1. Mar 27, 2026New chief executive Ning Tang becomes CEO12

Calendar

Coming up

  1. Nov 24, 2026Reports results for the quarter ending Sep/202617

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

68 filings to the SEC since October 2021: 5 annual reports, 10 insider forms, 2 large holders, 51 other. The latest 20:

  1. Oct 15, 20266-K REPORT OF FOREIGN PRIVATE ISSUER EDGAR
  2. Oct 13, 20266-K REPORT OF FOREIGN PRIVATE ISSUER EDGAR
  3. Sep 30, 20266-K REPORT OF FOREIGN PRIVATE ISSUER EDGAR
  4. Jul 2, 20266-K REPORT OF FOREIGN PRIVATE ISSUER EDGAR
  5. Jun 26, 20266-K REPORT OF FOREIGN PRIVATE ISSUER EDGAR
  6. Jun 8, 2026SCHEDULE 13D/A EDGAR
  7. Jun 8, 20264 EDGAR
  8. Jun 8, 20266-K REPORT OF FOREIGN PRIVATE ISSUER EDGAR
  9. Jun 1, 20266-K REPORT OF FOREIGN PRIVATE ISSUER EDGAR
  10. May 27, 20266-K REPORT OF FOREIGN PRIVATE ISSUER EDGAR
  11. Apr 29, 202620-F ANNUAL REPORT EDGAR
  12. Apr 23, 20263 EDGAR
  13. Mar 27, 20263 EDGAR
  14. Mar 26, 20263 EDGAR
  15. Mar 20, 20266-K REPORT OF FOREIGN PRIVATE ISSUER EDGAR
  16. Mar 18, 20263 EDGAR
  17. Mar 18, 20263 EDGAR
  18. Mar 18, 20263 EDGAR
  19. Mar 18, 20263 EDGAR
  20. Mar 18, 20263 EDGAR

The 68 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
Dimensional Fund Advisors LP1,030,385$871.8K0.0%−86,576
Renaissance Technologies LLC269,392$225.1K0.0%+56,249
Morgan Stanley215,716$180.3K0.0%+2,366
Ramsey Quantitative Systems131,997$110.3K0.1%New
Verdad Advisers, LP61,977$51.8K0.0%+5,674
Trexquant Investment LP29,936$25.0K0.0%−29,054
SmartHarvest Portfolios, LLC24,521$20.5K0.0%New
American Century Companies Inc24,096$20.1K0.0%No change
Sei Investments Co21,218$17.7K0.0%New
IMC-Chicago, LLC14,917$12.5K0.0%New
XTX Topco Ltd12,054$10.1K0.0%New
Bnp Paribas Financial Markets5,302$4.4K0.0%+1,100
Citigroup Inc5,300$4.4K0.0%No change
Royal Bank Of Canada1,217$1.0K0.0%+1,006
Group One Trading LLC1,187$9920.0%New
Jpmorgan Chase & Co415$4570.0%New
UBS Group AG384$3210.0%−114
BlackRock, Inc.207$1730.0%−8,208
Gsa Capital Partners Llp100,741$840.0%+9,391
Acadian Asset Management LLC49,590$400.0%+23,870
Hrt Financial LP28,704$230.0%New
SBI Securities Co., Ltd.15$130.0%+2
Rhumbline Advisers11$90.0%No change
Virtu Financial LLC10,544$90.0%New

13F reports cover disclosed long positions in U.S. stocks only.

SEC filer profile

How Yiren Digital Ltd. is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARYiren Digital Ltd.1
  • CIK0001631761
  • Filer statusNon-accelerated filer not an emerging growth company; not a shell company4
  • Incorporated inCayman Islands4
  • Fiscal year endsDecember 311
  • Industry code (SIC)6199 Finance Services1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address28/F, China Merchants Bureau Building, 118 Jianguo Road, Chaoyang District, Beijing, 100022, China1
  • Phone86-10-596445521
  • Shares outstanding174,680,826 shares as of Dec 31, 20254
  • AuditorWei, Wei & Co., LLP, Flushing, New York PCAOB ID 2388; no auditor attestation of internal control over financial reporting4
  • On EDGAR sinceFeb 27, 20151
  • Filings174 in all: 6-K (71), CORRESP (15), UPLOAD (14), 20-F (11), 144 (9), 3 (9), DRSLTR (8), F-1/A (5)1
    All 26 form types

    DRS/A (4), S-8 (4), SC 13D/A (4), NT 20-F (3), EFFECT (2), FWP (2), SC 13D (2), 4 (1), 424B3 (1), 424B4 (1), 6-K/A (1), 8-A12B (1), CERTNYS (1), DRS (1), F-1 (1), F-6 (1), SC 13G (1), SCHEDULE 13D/A (1)

  • Latest filingsAnnual report (20-F) Apr 29, 2026

Securities registered for trading

ClassSymbolExchange
American depositary shares (one American depositary share representing two ordinary shares, par value US$0.0001 per share)YRDNew York Stock Exchange
Ordinary shares, par value US$0.0001 per shareNew York Stock Exchange

From the cover page of the 20-F filed Apr 29, 2026 (Section 12(b) of the Exchange Act).4

Sources

The numbers on this page point here. Each one links to the record it came from.

  1. 1
  2. 2
  3. 3
  4. 4
  5. 5
  6. 6
  7. 7
  8. 8
  9. 9
  10. 10
  11. 11
  12. 12
  13. 13
  14. 14
  15. 15
  16. 16
  17. 17
  18. 18
  19. 19