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
Yirendai Ltd (YRD) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $18.97M | $196.53M | $1.36B | $3.24B | $5.54B | $5.62B | $8.62B | $3.96B | $4.48B | $3.43B | $4.90B | $5.81B | $5.57B |
| Revenue growth (YoY) | — | +935.7% | +590.7% | +138.6% | +71.2% | +1.4% | +53.3% | -54.0% | +13.0% | -23.3% | +42.5% | +18.6% | -4.0% |
| Cost of revenue | $7.61M | $21.82M | $100.94M | $180.08M | $417.88M | $644.30M | $665.08M | $1.10B | $760.86M | $776.84M | $976.17M | $882.96M | $790.16M |
| Gross profit | $11.37M | $174.71M | $1.26B | $3.06B | $5.13B | $4.98B | $7.95B | $2.86B | $3.72B | $2.66B | $3.92B | $4.92B | $4.78B |
| Gross margin | 59.9% | 88.9% | 92.6% | 94.4% | 92.5% | 88.5% | 92.3% | 72.1% | 83.0% | 77.4% | 80.1% | 84.8% | 85.8% |
| R&D | — | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | — | $208.00M | $151.92M | $148.75M | $411.88M | — |
| SG&A | $30.29M | $64.64M | $141.66M | $320.85M | $526.85M | $944.67M | $741.27M | $630.55M | $506.24M | $271.79M | $231.13M | $274.67M | $4.74B |
| Operating income | $-50.55M | $-27.68M | $412.37M | $1.08B | $1.68B | $838.03M | $1.13B | $-50.00M | $1.15B | $1.47B | $2.59B | $1.65B | $2.15B |
| Operating margin | -266.4% | -14.1% | 30.4% | 33.5% | 30.3% | 14.9% | 13.1% | -1.3% | 25.6% | 42.9% | 53.0% | 28.4% | 38.5% |
| EBITDA | $-50.12M | $-26.54M | $416.13M | $1.10B | $1.70B | $877.46M | $1.52B | $277.46M | $1.29B | $1.52B | $2.60B | $1.68B | $-44.31M |
| EBITDA margin | -264.1% | -13.5% | 30.7% | 33.8% | 30.7% | 15.6% | 17.7% | 7.0% | 28.7% | 44.4% | 53.1% | 28.9% | -0.8% |
| EBIT | $-50.55M | $-27.68M | $412.37M | $1.08B | $1.68B | $838.03M | $1.13B | $-50.00M | $1.15B | $1.47B | $2.59B | $1.65B | $-56.91M |
| Interest expense | $0.00 | $0.00 | $4.95M | $36.84M | $114.85M | $71.30M | $661.42M | $1.05B | $61.62M | $61.62M | — | — | — |
| Income tax | $-1.61M | $30000.00 | $132.80M | $-13.95M | $381.21M | $194.29M | $239.23M | $-80.61M | $170.19M | $300.51M | $565.16M | $279.18M | — |
| Effective tax rate | 3.1% | -0.1% | 31.8% | -1.3% | 21.7% | 16.7% | 17.2% | 10.4% | 14.1% | 20.1% | 21.4% | 15.0% | 0.0% |
| Net income | $-50.55M | $-27.71M | $284.52M | $1.12B | $1.37B | $966.61M | $1.16B | $-692.75M | $1.03B | $1.19B | $2.08B | $1.58B | $39.42M |
| Net income growth (YoY) | — | +45.2% | +1126.9% | +292.4% | +22.9% | -29.5% | +19.6% | -159.9% | +249.1% | +15.7% | +74.1% | -23.9% | -97.5% |
| Profit margin | -266.4% | -14.1% | 21.0% | 34.5% | 24.7% | 17.2% | 13.4% | -17.5% | 23.1% | 34.8% | 42.5% | 27.3% | 0.7% |