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How to buy Yiren Digital stock

Own Yiren Digital stock in just a few minutes.

Yiren Digital Ltd is a credit services business based in the US. Yiren Digital shares (YRD) are listed on the NYSE and all prices are listed in US Dollars.

How to buy shares in Yiren Digital

  1. Compare share trading platforms. Use our comparison table to help you find a platform that fits you.
  2. Open your brokerage account. Complete an application with your details.
  3. Confirm your payment details. Fund your account.
  4. Research the stock. Find the stock by name or ticker symbol – YRD – and research it before deciding if it's a good investment for you.
  5. Purchase now or later. Buy your desired number of shares with a market order or use a limit order to delay your purchase until the stock reaches a desired price.
  6. Check in on your investment. Optimize your portfolio by tracking your stock.

Yiren Digital share price

Use our graph to track the performance of YRD stocks over time.

Yiren Digital shares at a glance

Information last updated 2021-04-21.
52-week range$2.70 - $6.80
50-day moving average $4.52
200-day moving average $3.94
Wall St. target price$3.79
PE ratio 10.0677
Dividend yield $0.293 (8.05%)
Earnings per share (TTM) $0.44

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The value of any investment can go up or down depending on news, trends and market conditions. We are not investment advisers, so do your own due diligence to understand the risks before you invest.

Is it a good time to buy Yiren Digital stock?

The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.

This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.

Is Yiren Digital under- or over-valued?

Valuing Yiren Digital stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Yiren Digital's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.

Yiren Digital's P/E ratio

Yiren Digital's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 10x. In other words, Yiren Digital shares trade at around 10x recent earnings.

That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.

Yiren Digital's PEG ratio

Yiren Digital's "price/earnings-to-growth ratio" can be calculated by dividing its P/E ratio by its growth – to give 1.24. A low ratio can be interpreted as meaning the shares offer better value, while a higher ratio can be interpreted as meaning the shares offer worse value.

The PEG ratio provides a broader view than just the P/E ratio, as it gives more insight into Yiren Digital's future profitability. By accounting for growth, it could also help you if you're comparing the share prices of multiple high-growth companies.

Yiren Digital's EBITDA

Yiren Digital's EBITDA (earnings before interest, taxes, depreciation and amortisation) is $41.8 million.

The EBITDA is a measure of a Yiren Digital's overall financial performance and is widely used to measure a its profitability.

Yiren Digital financials

Revenue TTM $4 billion
Gross profit TTM $2.9 billion
Return on assets TTM -0.38%
Return on equity TTM -16.76%
Profit margin -17.49%
Book value $44.98
Market capitalisation $352.7 million

TTM: trailing 12 months

Shorting Yiren Digital shares

There are currently 269,136 Yiren Digital shares held short by investors – that's known as Yiren Digital's "short interest". This figure is 39.5% down from 444,516 last month.

There are a few different ways that this level of interest in shorting Yiren Digital shares can be evaluated.

Yiren Digital's "short interest ratio" (SIR)

Yiren Digital's "short interest ratio" (SIR) is the quantity of Yiren Digital shares currently shorted divided by the average quantity of Yiren Digital shares traded daily (recently around 154675.86206897). Yiren Digital's SIR currently stands at 1.74. In other words for every 100,000 Yiren Digital shares traded daily on the market, roughly 1740 shares are currently held short.

However Yiren Digital's short interest can also be evaluated against the total number of Yiren Digital shares, or, against the total number of tradable Yiren Digital shares (the shares that aren't held by "insiders" or major long-term shareholders – also known as the "float"). In this case Yiren Digital's short interest could be expressed as 0% of the outstanding shares (for every 100,000 Yiren Digital shares in existence, roughly 0 shares are currently held short) or 0% of the tradable shares (for every 100,000 tradable Yiren Digital shares, roughly 0 shares are currently held short).

Such a low SIR usually points to an optimistic outlook for the share price, with fewer people currently willing to bet against Yiren Digital.

Find out more about how you can short Yiren Digital stock.

Yiren Digital share dividends

We're not expecting Yiren Digital to pay a dividend over the next 12 months.

Yiren Digital share price volatility

Over the last 12 months, Yiren Digital's shares have ranged in value from as little as $2.7 up to $6.8. A popular way to gauge a stock's volatility is its "beta".

YRD.US volatility(beta: 0.75)Avg. volatility(beta: 1.00)LowHigh

Beta is a measure of a share's volatility in relation to the market. The market (NYSE average) beta is 1, while Yiren Digital's is 0.7546. This would suggest that Yiren Digital's shares are less volatile than average (for this exchange).

Yiren Digital overview

Yiren Digital Ltd. , through its subsidiaries, operates as an online consumer finance marketplace that connects borrowers and investors primarily in the People's Republic of China. The company provides loan facilitation services; post-origination services, such as cash processing, collection, and SMS services; and automated investing tool for investors to invest in loans through its marketplace, and self-directed investing tool that enables investors to select lending opportunities to approved borrowers that are posted on its marketplace. Its loan products portfolio includes unsecured consumer loans, such as standard, fasttrack, and micro loan products; secured consumer loan, which include secured financial leasing, auto-secured, and property-secured loans; and small business loans. The company also distributes fixed income, mutual fund investment, insurance, and other wealth management products offered by banks; and maintains a secondary loan market on its marketplace where investors can transfer the loans they hold prior to maturity at the fair value of the remaining loans. In addition, it provides online investor education services, which include a range of investment and trading topics, and various types of training programs on wealth planning, market insights, and investment strategies; consultancy information technology support; referral; and IT, system maintenance, and customer support services. The company offers its products through www.

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