Yiren Digital (ADR)
Provides digital credit solutions, insurance brokerage, and consumer-lifestyle services.
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Profile
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
Categories
Key statistics
Year to date −72.6% · Average volume (30d) 53.9K
Analysts
No analyst consensus on record.
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jun 25, 2026Q1 FY26 | $0.38 | −$0.82 | −315.9% | $237.4M | — | — | +0.91% |
| Jun 11, 2026Q1 FY26 | $0.38 | $0.39 | +2.6% | $237.6M | — | — | −1.67% |
| Mar 19, 2026Q4 FY25 | — | −$1.44 | — | — | $135.2M | — | −2.96% |
| Nov 25, 2025Q3 FY25 | — | $0.51 | — | — | $218.4M | — | +3.76% |
Financial highlights
| 12 quarters | Q4 FY24 | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $216.1M | $231.3M | $249.1M | $231.4M | $140.7M | $138.0M | |
| Gross profit | $186.7M | $197.9M | $225.2M | $209.1M | $102.5M | $108.6M | |
| Operating income | $44.0M | $45.8M | $56.8M | $96.4M | −$6.5M | −$55.3M | |
| Net income | $49.3M | $36.8M | $53.2M | $47.3M | −$129.4M | −$73.4M | |
| Diluted EPS | $0.57 | $0.42 | $0.61 | $0.54 | −$2.98 | −$1.68 | |
| Gross margin | 86.4% | 85.5% | 90.4% | 90.4% | 72.8% | 78.7% | |
| Operating margin | 20.4% | 19.8% | 22.8% | 41.7% | -4.7% | -40.1% |
Fiscal years (4-quarter sums)FY21 $666.3M · FY22 $511.0M · FY23 $728.4M · FY24 $863.9M · FY25 $852.5M
Revenue by product · FY25
Revenue by geography · FY25
Balance sheet, Mar 31, 2026Cash & short-term investments $365.0M · Total debt $5.3M · Total assets $1.86B · Shareholders' equity $1.30B
Dividends
Last raised to $0.22 from $0.20 in Apr 2025. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Sep 30, 2025 | Sep 30 | Oct 15 | $0.22 | |
| Apr 30, 2025 | Apr 30 | May 15 | $0.22 | raised from $0.20 |
| Sep 30, 2024 | Sep 30 | Oct 15 | $0.20 |
Ownership
Shares outstanding 86.93M · Float 29.36M · 33.8% free float
Insiders — filings are in the shares behind the receipt.
This listing is a depositary receipt and the Form 4 positions here are filed in the shares behind it, a different unit from the share count and in a ratio the filings never state, so no insider percentage is shown.
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| Great Service Holdings Limited | 143.42M | 82.00% | 13D | Jun 8, 2026 |
| Dimensional Fund Advisors LP | 1.12M | 1.28% | 13F | May 7, 2026 |
| Connor, Clark & Lunn Investment Management Ltd. | 216.4K | 0.25% | 13F | May 11, 2026 |
| Morgan Stanley | 213.4K | 0.25% | 13F | May 15, 2026 |
| Renaissance Technologies LLC | 213.1K | 0.25% | 13F | May 14, 2026 |
Insider tradesForm 4
No open-market trades in the last 12 months.
View detailsPeers
- Qfin (ADR)
China credit-tech loan facilitation for consumers and SMEs
- FinVolution Group (ADR)
Loan facilitation, guarantees, and post-loan services in China
- LexinFintech (ADR)
Credit facilitation and consumer-finance services in China
- Jiayin Group (ADR)
Loan facilitation for institutional funding partners in China
- Waterdrop (ADR)
Online insurance brokerage and insurance-product matching in China
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Yiren Digital (ADR) | $1.09 | +3.81% | $91.3M | — | 1.4 | 0.1 | −32.0% |
| Qfin (ADR) | $8.78 | −0.31% | $1.15B | 1.3 | 3.0 | 0.5 | −13.0% |
| FinVolution Group (ADR) | $3.46 | +1.91% | $844.5M | 3.1 | — | 0.4 | +0.4% |
| LexinFintech (ADR) | $1.18 | +0.43% | $199.0M | 1.0 | — | 0.1 | +12.5% |
| Jiayin Group (ADR) | $2.10 | 0.00% | $109.1M | 0.8 | 1.8 | 0.1 | −58.7% |
| Waterdrop (ADR) | $1.02 | +2.74% | $359.0M | 0.9 | — | 0.5 | +73.9% |
| Median | 1.0 | 2.4 | 0.4 | +0.4% |