Yiren Digital (ADR) (YRD)
Provides digital credit solutions, insurance brokerage, and consumer-lifestyle services.
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Combines loan facilitation and self-funded financing with insurance brokerage and consumer-lifestyle activities. The Cayman holding company is controlled by CreditEase and operates through variable-interest entities in China.
Provides credit solutions through loan-facilitation and self-funded financing services, alongside an insurance-brokerage business. Its other segment contains the former consumption-and-lifestyle activities. The company describes its wider platform as AI-powered, with digital financial services and tailored insurance solutions at its core.
Rooted in a CreditEase consumer-finance marketplace that began in China, the business was later combined under the Yiren Digital brand. CreditEase remains the controlling shareholder, and founder Ning Tang is executive chairman and chief executive officer. The NYSE-listed company is a Cayman Islands holding company; ADS holders own interests in that holding company rather than equity interests in its consolidated variable-interest entities.
Company facts
No analyst consensus on record.
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Mar 31, 2026Cash & short-term investments $366.2M · Total debt $5.3M · Total assets $1.87B · Shareholders' equity $1.31B
- Revenue
- $136.6M
- Operating income
- $37.0M
- Net income
- −$73.7M
Reported in CNY, converted at the latest exchange rate
HistoryDividendAnnual yield
| Institutions | 2.35% | 2.04M ADS | |
|---|---|---|---|
| 27 holders · as of Jun 30, 2026 | |||
| Insiders | 0.19% | 166.7K ADS | |
| 4 holders · as of Apr 23, 2026 | |||
| Other | 97.46% | 84.73M ADS | |
| remainder | |||
86.93M ADS (1 ADS = 2 ordinary shares) as of Aug 22, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
The share count is from the company's Dec 2022 annual report; nothing newer is on file here.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
Dimensional Fund Advisors LPInstitution | 1.19% | 1.03M ADS | as of Jun 30, 2026 |
Renaissance Technologies LLCInstitution | 0.31% | 269,392 ADS | as of Jun 30, 2026 |
Morgan StanleyInstitution | 0.25% | 215,716 ADS | as of Jun 30, 2026 |
Ramsey Quantitative SystemsInstitution | 0.15% | 131,997 ADS | as of Jun 30, 2026 |
Hao LiInsiderdirector | 0.13% | 231,414 ordinary | filed Mar 26, 2026 |
Insider tradesForm 4
No open-market trades in the last 12 months.
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CompareAfter hours
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Yiren Digital (ADR) | $0.9680 | −2.35% | $85.2M | — | 1.3 | 0.1 | +559.9% |
| Qfin (ADR) | $7.90 | +0.32% | $1.03B | 1.1 | 4.6 | 0.4 | −13.0% |
| FinVolution Group (ADR) | $3.26 | 0.00% | $807.3M | 3.0 | — | 0.4 | +0.4% |
| LexinFintech (ADR) | $0.7687 | +0.76% | $129.7M | 0.9 | — | 0.1 | −6.3% |
| Jiayin Group (ADR) | $1.57 | +1.29% | $80.5M | 2.2 | 1.8 | 0.1 | −58.7% |
| Waterdrop (ADR) | $1.05 | 0.00% | $383.4M | 0.7 | — | 0.5 | +82.4% |
| Median | 1.1 | 3.2 | 0.4 | −6.3% |