Yiren Digital

YRD

Financial - Credit Services · Financial Services

Price

$1.25

+0.01 (+0.81%)

Market Cap

$108.7M

Exchange

New York Stock Exchange

Winston Score

Winston is serious

Below-average fundamentals — multiple weak pillars.

Share count falling — buybacks

−48.8% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 85.3M (2021) → 43.7M (2025)

Yiren Digital is a Chinese financial technology company that connects everyday borrowers with lenders through an online platform. Its main services include personal loans, wealth management products, and insurance offerings, all aimed at middle-class consumers in China who may have limited access to traditional bank loans. The company operates under the Yiren Wealth and CreditEase brands, which are well-known in China's fintech lending space.

Yiren Digital earns money by charging fees for matching borrowers with funding sources, selling insurance products, and offering investment services to retail customers. It operates almost entirely within China, making it a small player globally with a market cap around $100 million. The company faces significant regulatory risk, as China's government has tightened rules on online lending and fintech platforms in recent years, forcing many competitors to shrink or shut down entirely. Its ability to grow depends heavily on whether regulators allow its lending and wealth management businesses to expand.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-40.3% YoY

YoY Growth Rate

Revenue declining

EPS Growth

-494.4% YoY

YoY Growth Rate

Earnings declining

R&D Spend

$0/ year

↓ Declining (-100% vs prior year)

0.0% of revenue

Below sector average (7%)

R&D spend declining — could signal cost-cutting or efficiency

Insider Activity

66.2%ownership

Insiders own a meaningful stake in the company

Cash Runway

~4 years

$3.0B cash & investments

$3.0B cash & investments at current burn rate

Revenue declining

Yiren Digital's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

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Quality

Gross Margin

78.7%

Premium pricing power — 78.7% gross margin

Operating Margin

-40.1%

Losing money on operations — -40.1%

ROCE

-4.2%

Weak — -4.2% return on capital

Negative ROIC means the business is losing money on every dollar invested in it.

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Growth

Sales YoY

-14.7%

Shrinking sales (-14.7% YoY)

EPS YoY

-251.5%

Earnings shrinking (-251.5% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

EPS Consistency

0/8 quarters

Earnings rarely grow — volatile business

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Cash Flow

Cash Conversion

N/A

Data not available

FCF Margin

13.3%

Converts sales into free cash efficiently (13.3%)

FCF margin between 10% and 20%. Every $100 in sales becomes $10 to $20 in real cash.

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Stability

Debt / Equity

N/A

Data not available

Interest Cover

100.00x

—

Comfortably covers interest (100.0x)

Interest coverage above 8. Profits cover interest many times over.

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Valuation

P/E Ratio (TTM)

N/M

Negative earnings — P/E not meaningful

P/E vs Forward

N/A

not available

Data not available

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Dividends

Dividend Yield

30.56%

Healthy income — 30.56% yield

Yield above 6% — often a flag the market is pricing in a cut.

Dividend Growth

N/A

no trend

Data not available

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