Yiren Digital

YRD

Financial - Credit Services · Financial Services

Price

$1.14

+0.00 (+0.40%)

Market Cap

$99.1M

Exchange

New York Stock Exchange

Winston Score

Winston is serious

Below-average fundamentals — multiple weak pillars.

Data as of Aug 23, 2026 · filings through Mar 31, 2026

How the score breaks down

Quality

Mixed

Growth

Weak

Cash Flow

Weak

Stability

Good

Valuation

Data not available

Dividends

Good

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Share count rising — dilution

+2.4% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 85.3M (2021) → 87.3M (2025)

Winston Score History

The full picture

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.

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

→ Flat

Insider ownership roughly steady over the past year

Cash Runway

~14 months

¥3.0B cash & investments

Adequate runway but may need to raise capital within 2 years

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

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Quality

Profit per sale

Gross Margin

78.7%

Premium pricing power — 78.7% gross margin

Profit after running costs

Operating Margin

-40.1%

Losing money on operations — -40.1%

Return on the money invested

ROCE

7.0%

Weak — 7.0% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

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Growth

Sales growth

Sales YoY

-14.7%

Shrinking sales (-14.7% YoY)

Profit growth

EPS YoY

-252.0%

Earnings shrinking (-252.0% YoY)

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

How steady the profit is

EPS Consistency

0/8 quarters

Earnings rarely grow — volatile business

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Cash Flow

Profit that turns into cash

Cash Conversion

N/A

Data not available

Spare cash per sale

FCF Margin

-8.9%

Burning cash (-8.9%)

Free cash flow is negative. They are burning cash, not generating it.

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Stability

What it owes vs what it owns

Debt / Equity

N/A

Data not available

Covers its interest

Interest Cover

100.00x

—

Comfortably covers interest (100.0x)

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

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Valuation

Price vs profit

P/E Ratio (TTM)

N/M

Negative earnings — P/E not meaningful

Cheaper or dearer next year

P/E vs Forward

N/A

not available

Data not available

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Dividends

Dividend

Dividend Yield

38.60%

Healthy income — 38.60% yield

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

Dividend record

Dividend Growth

N/A

Data not available

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