Finder makes money from featured partners, but editorial opinions are our own. Advertiser Disclosure

How to buy Yirendai stock

Learn how to easily invest in Yirendai stock.

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

How to buy shares in Yirendai

  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.
Client disclaimer: US Brokerage services through eToro USA Securities Inc, member of FINRA, SIPC. Crypto assets through eToro USA LLC.

Yirendai stock price (NYSE: YRD)

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

Yirendai shares at a glance

Information last updated 2022-09-25.
Latest market close$1.11
52-week range$0.67 - $4.47
50-day moving average $1.19
200-day moving average $2.02
Wall St. target price$1.93
PE ratio 0.6941
Dividend yield $0 (0%)
Earnings per share (TTM) $1.70

Buy Yirendai shares from these brokerages

Compare special offers, low fees and a wide range of types of investments among top trading platforms.
1 - 8 of 8
Name Product Asset types Stock trade fee Minimum deposit Signup bonus
SoFi Invest
Stocks, ETFs, Cryptocurrency
$10 - $100
when you open an account and place a first crypto trade of $50 - $5,000+
A free way to invest in most equities.
Stocks, ETFs, Cryptocurrency
8%-12% of your deposit
when you sign up and deposit at least $50. T&Cs apply.
Trade stocks in the app or online with $0 commissions. Not available in NY, NV, MN, TN, and HI.
Stocks, ETFs, Cryptocurrency
Receive a free stock slice worth between $3–$300
when you sign up for an account and deposit at least $20.
Commission-free trading in stocks and ETFs with a social networking twist.
Stocks, Options, ETFs, Cryptocurrency
$200 in US stocks
when you open and fund an account with min. $2,000 for 3+ mos.
Trade stocks, options, ETFs and futures on mobile or desktop with this advanced platform.
JPMorgan Self-Directed Investing
Stocks, Bonds, Options, Mutual funds, ETFs
$125 - $625
when you open and fund an account with $25,000 - $250,000+
Stocks, Options, ETFs, Cryptocurrency
Get a free stock
when you successfully sign up and link your bank account.
Make unlimited commission-free trades, plus earn 3% interest on uninvested cash in your account with Robinhood Gold.
Ally Invest Self-Directed Trading
Stocks, Bonds, Options, Mutual funds, ETFs
when you deposit or transfer $10,000–$24,900
500+ commission-free ETFs, some of the industry's lowest fees plus a cash bonus up to $3,000.
Stocks, Options, ETFs
Customize your trade platform or build your own Deep tools, charts and screens Analyzers to help you study before you trade

Compare up to 4 providers

*Signup bonus information updated weekly.

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 Yirendai 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.

Yirendai price performance over time

Historical closes compared with the close of $1.11 from 2022-09-26

1 week (2022-09-21) 0.91%
1 month (2022-08-26) 8.82%
3 months (2022-06-28) -40.29%
6 months (2022-03-28) -56.13%
1 year (2021-09-28) -64.54%
2 years (2020-09-28) -60.22%
3 years (2019-09-27) 7.08
5 years (2017-09-28) 43.14

Is Yirendai stock undervalued or overvalued?

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

Yirendai's P/E ratio

Yirendai's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 1x. In other words, Yirendai shares trade at around 1x 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.

Yirendai's PEG ratio

Yirendai'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 Yirendai's future profitability. By accounting for growth, it could also help you if you're comparing the share prices of multiple high-growth companies.

Yirendai's EBITDA

Yirendai's EBITDA (earnings before interest, taxes, depreciation and amortisation) is $1.3 billion.

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

Yirendai financials

Revenue TTM $4.5 billion
Operating margin TTM 28.75%
Gross profit TTM $3.7 billion
Return on assets TTM 11.14%
Return on equity TTM 24.02%
Profit margin 23.07%
Book value $56.73
Market capitalisation $100.7 million

TTM: trailing 12 months

Yirendai share dividends

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

Yirendai share price volatility

Over the last 12 months, Yirendai's shares have ranged in value from as little as $0.67 up to $4.47. A popular way to gauge a stock's volatility is its "beta".

Beta is a measure of a share's volatility in relation to the market. The market (NYSE average) beta is 1, while Yirendai's is 0.3819. This would suggest that Yirendai's shares are less volatile than average (for this exchange).

Yirendai overview

Yiren Digital Ltd. , through its subsidiaries, operates as an online consumer finance marketplace that connects borrowers and investors in the People's Republic of China. It offers loan facilitation services; and post-origination services, such as cash processing, collection, and SMS services. The company's loan products portfolio includes unsecured consumer loans; secured consumer loans, which include secured financial leasing, auto-secured, and property-secured loans; and small business loans. It also distributes short-term cash management, mutual fund investment, insurance, and securities and stock products. In addition, the company provides online investor education services, which include a range of asset allocation and investment 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. Further, it is involved in the provision of services for financing lease and insurance brokerage businesses.

Frequently asked questions

What percentage of Yirendai is owned by institutions?
Currently 1.659% of Yirendai shares are held by institutions.
When does the fiscal year end for Yirendai?
Yirendai's fiscal year ends in December.
Where is Yirendai based?
Yirendai's address is: Hanwei Plaza, Beijing, China, 100022
What is Yirendai's ISIN number?
Yirendai's international securities identification number is: US98585L1008
What is Yirendai's CUSIP number?
Yirendai's Committee on Uniform Securities Identification Procedures number is: 98585L100

More guides on Finder

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site