profit from every $100 of sales.
$0$100
Yiren Digital
$0.31-1.27% today
-94.0% in 1 year
1-year low $0.311-year high $5.23
Trading close to its lowest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $3.33 for every $1 of profit it makes in a year.
CheapExpensive
It holds more cash than debt.
No debt5 years
Money in, money out
What Yiren Digital sold, what it kept, and what it did with the cash.
Sales went from CN¥3.43 billion in 2022 to CN¥5.72 billion in 2025, with CN¥54.5 million of profit last year.
SalesProfit
Yiren Digital handed back 40% of the cash it generated last year.
CN¥273M
Free cash flow 2025CN¥678M
Bought back its own sharesCN¥223,000
Paid as dividendsCN¥273M
Cash vs. debtCN¥3.3B vs. CN¥49M
Yiren Digital vs. similar companies
Yiren Digital grows the fastest of these 5 and is the cheapest for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Yiren Digital | 3.3× · Cheap | ||
 Visa | 33.8× · Expensive | ||
 Mastercard | 38.5× · Expensive | ||
 American Express | 19.8× · Fair price | ||
 Capital One Financial | 47.8× · Expensive |
AI analysis
An AI analyst reads Yiren Digital's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of CNY | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 3,435 | 4,896 | 5,806 | 5,719 | |
| 2,658 | 3,919 | 4,923 | 4,933 | |
| 1,472 | 2,595 | 1,647 | -222 | |
| 1,525 | 2,620 | 1,675 | -191 | |
| 1,195 | 2,080 | 1,582 | 55 | |
| 13.63 | 23.28 | 18.11 | 0.62 | |
| 77.4% | 80.1% | 84.8% | 86.3% | |
| 42.9% | 53.0% | 28.4% | -3.9% | |
| 34.8% | 42.5% | 27.3% | 1.0% |
Balance sheet
| In millions of CNY | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 8,536 | 10,277 | 12,983 | 13,455 |
| Cash | 4,272 | 5,791 | 3,841 | 3,348 |
| Total debt | 803 | 24 | 41 | 49 |
| Total liabilities | 2,505 | 2,191 | 3,440 | 4,183 |
| 6,031 | 8,086 | 9,542 | 9,272 | |
| 88 | 89 | 87 | 87 | |
| 17.0% | 25.3% | 13.6% | -1.9% | |
| 19.8% | 25.7% | 16.6% | 0.6% |
Cash flow
| In millions of CNY | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 1,849 | 2,171 | 1,424 | 704 | |
| 1 | 4 | 9 | 26 | |
| 1,849 | 2,167 | 1,415 | 678 | |
| Dividends paid | 0 | 0 | 122 | 273 |
| 4 | 48 | 76 | 0 | |
| 22 | 7 | 17 | 30 |
Valuation
- 3.3×
- 0.0×
- –
- 0.0×
- 0.0×
- 0.3×
- –
- 372.8%
- 30.0%
- 23.2%
Profitability
- 86.3%
- -3.9%
- 1.0%
- 4.1%
- -1.9%
- 13.8%
- 0.5%
- 0.4%
- 9.6%
- 5.0%
Growth
- +18.5%
- −64.2%
- −52.1%
- –
- −0.1%
Financial health
- -17.3×
- 0.01
- 0.3%
- –
- 6.82
- –
- 0.43
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 6%of 848
Bottom 5%of 728
Top 1%of 880
Top 26%of 878
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Mar 19, 2026 | -1.44 | – | – |
| Nov 25, 2025 | 0.51 | – | – |
| Aug 21, 2025 | 0.57 | – | – |
| Jun 12, 2025 | 0.39 | – | – |
| Mar 20, 2025 | 0.52 | – | – |
| Nov 20, 2024 | 0.58 | – | – |
| Aug 20, 2024 | 0.65 | – | – |
| Jun 21, 2024 | 0.76 | 0.03 | +2,722.1% |
23.2%of the share price, paid each year
On $1,000 invested$232a year at today's yield, before tax
–per share
Raised1 yearin a row, in our data
Paid per share, each year
$1.48 in 2017 → $0.44 in 2025
How safe it looks
500.9% of its profit
Room to growStretchedMore than it earns: 40.3%
News
Yiren Digital announces update on CEO Ning TangSeeking Alpha · Oct 12, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
3/7Passes 3 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
64Pass
Benjamin Graham
100Pass
Philip Fisher
60Pass
Peter Lynch
38No pass
Joel Greenblatt
35No pass
Charlie Munger
54No pass
Terry Smith
49No pass
Questions about Yiren Digital
Is Yiren Digital a good stock to buy?
A business with weak numbers, and the price looks low. 3 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Yiren Digital AI analysis
What does Yiren Digital do?
Yiren Digital Ltd. provides financial services through an AI-powered Fintech platform in China. Its platform provides a suite of financial and lifestyle services. The company offers credit solutions, insurance brokerage, and others. It is in Credit Services.
Does Yiren Digital pay a dividend?
Yes. At today's price the dividend is 23.2% a year. In 2025 it paid out $273 million in dividends.
Is Yiren Digital stock halal?
No. Yiren Digital does not pass our halal screen: its main business, lending at interest, is not permitted. How we check
How has Yiren Digital stock done over the past year?
Down 94.0% over the past twelve months, to $0.31. It traded between $0.31 and $5.23 and is 94.0% below its high.
Who are Yiren Digital's competitors?
The largest listed companies in the same industry are Visa, Mastercard, American Express and Capital One Financial. The peers table on this page compares their profit, growth and price with Yiren Digital's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.