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YRD
OverviewIntelligenceChart
Next earnings: Jun 4, 2026 · Before open
Signal
Bullish Setup2↑
Price
1↑
Move↑+2.12%Positive session
Volume
1→
Volume↓0.2× avgLight volume
Technical
1↑
RSI↓RSI 15Oversold — bounce setup
PRICE
Prev Close
1.89
Open
1.91
Day Range1.91 – 1.99
1.91
1.99
52W Range1.58 – 7.68
1.58
7.68
6% of range
VOLUME & SIZE
Avg Volume
92.4K
FUNDAMENTALS
P/E Ratio
27.6x
EPS (TTM)
—
Div Yield
No dividend
Beta
0.95
Market-like
Performance
1D
+2.12%
5D
-6.31%
1M↑
+20.63%
3M
-51.39%
6M
-63.93%
YTD
-47.84%
1Y↓
-70.49%
Best: 1M (+20.63%)Worst: 1Y (-70.49%)
Quick Read
Trend—Insufficient MA data
Momentum
BULLISH
86% gross margin
Valuation
EXPENSIVE
P/E 28x vs ~20x sector
Health
MODERATE
CR 0.0 (low) · FCF $20.30/sh
Lean Bullish
Key MetricsTTM
Market Cap$1.15B
Revenue TTM$5.73B
Net Income TTM$52.70M
Free Cash Flow$884.39M
Gross Margin86.2%
Net Margin0.9%
Operating Margin22.6%
Return on Equity0.5%
Return on Assets0.4%
Debt / Equity0.00
Current Ratio0.00
EPS TTM$1.21
Alpha SignalsView Intelligence →

Intelligence analysis not yet available for this stock. Full AI-powered analysis may be available on the intelligence page.

Health Radar
2 strong4 concern
33/100
Liquidity
0.00Concern
Leverage
0.00Strong
Coverage
0.0xConcern
ROE
0.5%Concern
ROIC
-11.9%Concern
Cash
$3.9BStrong
ANALYST COVERAGE8 analysts
SELL
Hold
338%
Sell
563%
0 Buy (0%)3 Hold (38%)5 Sell (62%)
Full report →
Stock Health
Composite Score
1 of 5 signals bullish
3/10
Technicals
●
RSI RangeRSI 15 — Oversold, watch for bounce
~
Volume
●
Volume FlowDistribution — institutional selling
✗
Fundamentals
●
Last EarningsBeat estimates
✓
●
Analyst ConsensusSell
✗
●
LiquidityCurrent Ratio 0.00 — liquidity risk
✗
Upcoming Events
EEarnings ReportMay 2, 2026
Tomorrow
DEx-Dividend DateJul 30, 2026
In 90 days
PDividend PaymentOct 15, 2026
In 167 days
Research
Fundamentals→Financials→Analysts→Earnings→Growth→Key Metrics→Technical Analysis→Intelligence→
Technicals
Technical SetupBEARISH
Technicals →

Trend

▼ DowntrendDeath Cross · 50D trails 200D by 4.5%

-67.2% vs SMA 50 · -68.6% vs SMA 200

Momentum

RSI15.0
Oversold — potential bounce
MACD-0.22
Below zero — bearish pulse · compressing
Market Position
Price Levels
52W High
$7.68+297.9%
EMA 50
$5.91+206.2%
EMA 200
$3.30+71.0%
Current
$1.93
52W Low
$1.58-18.1%
52-Week RangeNear 52-week low
$1.586th %ile$7.68
Squeeze SetupVolume-based
Distribution Pressure

Distribution pattern detected. More selling days than accumulation over the past 20 sessions. Not a conducive environment for a squeeze.

20-Day Money Flow
Acc days:2
Dist days:0
Edge:+2 acc
Volume Context
Avg Vol (50D)113K
Recent Vol (5D)
66K-42%

Based on volume distribution analysis. Direct short interest data (short float %, days to cover) is not available in current data sources.

Earnings & Analysts

ANALYST ESTIMATES

Consensus of 1 analyst
Full estimates →
Analyst revisions:EPS↓ Revised DownRevenue↓ Revised Down

Analyst consensus estimates · Actuals replace estimates as reported

YearRevenue Est.Rev GthEPS Est.EPS GthRangeAnalysts
FY2027
$5.7B
$5.7B–$5.7B
—$14.21—
—
Low1
FY2028
$8.1B
$8.1B–$8.1B
▲ +42.5%$10.27▼ -27.7%
—
Low1
FY2029
$4.1B
$4.1B–$4.1B
▼ -49.1%$0.33▼ -96.8%
—
Low1
Range confidence:Tight (high)ModerateWide (low)
Earnings HistoryYRD
Last 8Q
+499.7%avg beat
Beat 4 of 8 quartersMissed 4↓ Estimates falling
-2%
Q3'19
-50%
Q3'19
-29%
Q4'19
+72%
Q1'20
-87%
Q2'20
+1716%
Q3'22
+1223%
Q3'22
+1154%
Q4'22
Beat
Miss
Estimate
Deeper color = bigger beat/miss
Financials
Dividends22.80% yield
4 yrs of payments
Annual Yield22.80%
Semi-Annual Div.$0.2200
Est. Annual / Share$0.44
FrequencySemi-Annual
Q3'17
Q2'18
Q3'24
Q2'25
Q3'25

Dividend per payment — last 5 periods

INSTITUTIONAL OWNERSHIP

13-F Filings →
1
SIGNATUREFD, LLC
1K▼
2
SBI Securities Co., Ltd.
13▲
3
Farther Finance Advisors, LLC
0▼
4
DIMENSIONAL FUND ADVISORS LP
1.1M▲
5
Connor, Clark & Lunn Investment Management Ltd.
449K▲
6
RENAISSANCE TECHNOLOGIES LLC
212K▼
7
MORGAN STANLEY
199K▼
8
CITADEL ADVISORS LLC
136K▲
News & Activity

YRD News

20 articles · 4h ago

About

yirendai (nyse: yrd) is a leading online consumer finance marketplace in china connecting investors and individual borrowers. the company provides an effective solution to address largely underserved investor and individual borrower demand in china through an online platform that automates key aspects of its operations to efficiently match borrowers with investors and execute loan transactions. yirendai deploys a proprietary risk management system, which enables the company to effectively assess the creditworthiness of borrowers, appropriately price the risks associated with borrowers, and offer quality loan investment opportunities to investors. yirendai's online marketplace provides borrowers with quick and convenient access to consumer credit at competitive prices and investors with easy and quick access to an alternative asset class with attractive returns.

Sector
Finance and Insurance
Industry
Credit Card Issuing
CEO
Yihan Fang
Country
China (Mainland)
Website
yirendai.com ↗
Peers— —(7 companies)
Screen sector →
SymbolPriceDay %Mkt Cap↓P/ERev GrwMarginELO
YRD◀
$1.93+2.12%$168M10.9-402.5%70.7%1500
TSM
$396.06+0.57%$2.1T28.7+3296.8%4510.0%1500
HSBC
$91.86+2.89%$318.3B14.0+318.8%1510.7%1500
BABA
$131.91+1.13%$306.2B22.6+586.3%1305.9%1500
AZN
$187.37+1.17%$290.5B28.1+862.9%1745.9%1500
NVS
$147.85+3.44%$282.1B21.0+597.3%2564.4%1500
SHEL
$90.67+1.98%$256.7B14.5-591.0%668.4%1500
Sector avg—+1.90%—20.0+666.9%1768.0%1500

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