YRD
Yirendai Ltd
NYSE: YRD · FINANCIAL SERVICES · CREDIT SERVICES
$1.93
+2.12% today
Updated 2026-04-30
Market cap
$186.04M
P/E ratio
30.57
P/S ratio
0.03x
EPS (TTM)
$0.07
Dividend yield
27.20%
52W range
$2 – $7
Volume
0.1M
WallStSmart proprietary scores
41
out of 100
Grade: D
Sell
Investment rating
4.0
Growth
C8.5
Quality
A5.0
Profitability
C+5.0
Valuation
C+3/9
Piotroski F-Score
Weak
3.5
Altman Z-Score
Safe zone
—
Industry rank
—
View all highly rated stocks (75+) →206 stocks currently score above 75
Price targets
Analyst target
$2.03
+5.18%
12-Month target
$1.53
-20.73%
Intrinsic (DCF)
—
Margin of safety
—
Price chart
X-Ray snapshot
Strengths
+ Altman Z 3.45 — safe zone
+ Debt/equity 0.01x — low leverage
Risks
- Piotroski 3/9 — weak financial health
- Thin margins at 0.71%
- Negative free cash flow $-5.48M
- Revenue declining -34.10% QoQ
Key financials
Revenue Net Income Free Cash Flow
| Metric | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|
| Revenue | $3.43B | $4.90B | $5.81B | $5.57B | $5.72B |
| Net income | $1.19B | $2.08B | $1.58B | $39.42M | $-869.98M |
| EPS | — | — | — | — | $0.07 |
| Free cash flow | $148.79M | $1.85B | $2.17B | $1.41B | $-5.48M |
| Profit margin | 34.79% | 42.49% | 27.25% | 0.71% | 0.71% |
Peer comparison
Smart narrative
Yirendai Ltd trades at $1.93. representing a P/E of 30.57x trailing earnings. Our Smart Value Score of 41/100 indicates the stock is fair. The company scores 3/9 on the Piotroski F-Score. With an Altman Z-Score of 3.45, it sits in the safe zone. TTM revenue stands at $5.72B. with profit margins at 0.71%.
Frequently asked questions
What is Yirendai Ltd's stock price?
Yirendai Ltd (YRD) trades at $1.93.
Is Yirendai Ltd overvalued?
Smart Value Score 41/100 (Grade D, Sell).
What is the price target of Yirendai Ltd (YRD)?
The analyst target price is $2.03, representing +5.2% upside from the current price of $1.93.
What is Yirendai Ltd's revenue?
TTM revenue is $5.72B.
Piotroski F-Score?
3/9 — weak financial health.
Altman Z-Score?
3.45 — safe zone.
Company info
SectorFINANCIAL SERVICES
IndustryCREDIT SERVICES
CountryChina
ExchangeNYSE
CurrencyUSD
Quick metrics
P/S ratio0.03x
ROE0.43%
Beta1.13
50D MA$2.73
200D MA$4.59
Shares out0.09B
Float0.03B
Short ratio—
Avg volume0.1M
Performance
1 week-3.57%
1 month-57.26%
3 months-57.70%
YTD-56.22%
1 year—
3 years—
5 years—