Stocktoria
Yiren Digital Ltd. YRD
Yiren Digital Ltd. (YRD) earns a Piotroski F-score of 4/9 (mixed financial health). It pays a dividend (safety: at-risk). FY2025 revenue was $5.7B at a 0.1% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 4/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| YRD | Yiren Digital Ltd. | 4/9 | — | — | -1.5% |
| COIN | Coinbase Global, Inc. | 4/9 | 4.64 | 31.2 | +9.4% |
| LX | LexinFintech Holdings Ltd. | 4/9 | — | — | -10% |
| CRCL | Circle Internet Group, Inc. | 3/9 | 0.19 | — | +63.9% |
| QFIN | Qfin Holdings, Inc. | 2/9 | 6.32 | — | +16.8% |
| BKKT | Bakkt, Inc. | 2/9 | — | — | -32.1% |
| CHYM | Chime Financial, Inc. | 4/9 | -1.97 | — | +30.7% |
All Finance, Insurance & Real Estate companies →
About Yiren Digital Ltd.
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. The company was formerly known as Yirendai Ltd. and changed its name to Yiren Digital Ltd. in September 2019. The company was founded in 2012 and is based in Beijing, the People's Republic of China. Yiren Digital Ltd. operates as a subsidiary of CreditEase Holdings (Cayman) Limited.
FAQ
Is YRD financially healthy?
Yiren Digital Ltd.'s Piotroski F-score is 4/9 (8–9 is excellent, 0–3 weak).
Does YRD pay a dividend, and is it safe?
Yes. Yiren Digital Ltd. pays a dividend with a 500.9% payout ratio, rated “at-risk” for safety.
How profitable is YRD?
In FY2025, Yiren Digital Ltd. had a net margin of 0.1% and a return on equity of 0.6%.
Is YRD overvalued or undervalued?
Yiren Digital Ltd. trades at about 26.9× trailing earnings — above its 10-year norm (10-year range 2.5×–89.0×, median 5.1×). Stocktoria reports the data, not buy/sell advice.
Is YRD a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on Yiren Digital Ltd.: a Piotroski F-score of 4/9. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.