Yiren Digital Ltd.(YRD)Stock Analysis
AI analysis on 2,800+ stocks →Deep AI analysis on 2,800+ stocks →13F Pro Quality Score
Rank #2,388 of 2,962 stocks
Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.
YRD Stock Analysis & AI Quality Score
Data updated 2026-09-11AI stock analysis and institutional research for Yiren Digital Ltd. (YRD), a Financials sector company. 13F Pro's AI-powered ranking engine scores YRD at 33.4/100 on a 32-signal composite quality model, placing it at rank #2,388 of 2,962 stocks — the bottom half of the AI-ranked universe. Based on the latest XBRL financial filings (FY 2025), Yiren Digital Ltd. reports quarterly revenue of $817.8M, net income of $7.8M, free cash flow of $96.9M. Top institutional holders of YRD by reported 13-F value include DIMENSIONAL FUND ADVISORS, RENAISSANCE TECHNOLOGIES, MORGAN STANLEY, based on the most recent SEC filings. YRD trades on the NYSE exchange and files with the SEC under CIK 1631761. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate YRD daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Yiren Digital Ltd. directly from SEC EDGAR. Yiren Digital Ltd.'s 13F Pro composite quality score has ranged between 33 and 52 since 2026, currently 33.4 — a declining long-term trajectory across 47 quarterly and live scoring snapshots.
Revenue
FY 2025
$817.8M
Net Income
FY 2025
$7.8M
Free Cash Flow
FY 2025
$96.9M
ROIC
FY 2025
-64.1%
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · ProRevenue
-1.5% YoYNet Income
-96.6% YoYOperating Income
+79.6% YoYEPS (Diluted)
-99.5% YoYTotal Assets
+3.6% YoYTotal Debt
Op. Cash Flow
-50.6% YoYFree Cash Flow
-52.1% YoY| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $5.72B -1.5% | $5.81B +18.6% | $4.90B +43.5% | $3.41B -23.3% | $4.45B +10.5% | $4.02B |
| Net Income | $54.5M -96.6% | $1.58B -23.9% | $2.08B +74.1% | $1.19B +15.7% | $1.03B +249.1% | $-692.7M |
| Operating Income | $-849.5M +79.6% | $-4.16B -80.8% | $-2.30B -242.1% | $1.62B | — | — |
| EPS (Diluted) | $0.04 -99.5% | $9.06 -22.2% | $11.64 +70.9% | $6.81 +12.5% | $6.06 +257.6% | $-3.84 |
| Total Assets | $13.45B +3.6% | $12.98B +26.3% | $10.28B +20.4% | $8.54B +10.3% | $7.74B +15.5% | $6.70B |
| Total Debt | $9.1M | — | $0.00 -100.0% | $767.9M -25.3% | $1.03B +1241.0% | $76.7M |
| Operating Cash Flow | $703.6M -50.6% | $1.42B -34.4% | $2.17B +17.4% | $1.85B +1069.1% | $158.2M -43.9% | $282.0M |
| Free Cash Flow | $677.9M -52.1% | $1.41B -34.7% | $2.17B +17.2% | $1.85B +1142.4% | $148.8M -44.5% | $268.3M |
Get alerted when YRD's score changes
Free account: watchlist tracking, the daily AI brief, and the AI screener.
Available Research
13F Pro tracks comprehensive data for Yiren Digital Ltd. including:
Top Institutional Holders of YRD
DIMENSIONAL FUND ADVISORS LP
$871.8K1,030,385 shRENAISSANCE TECHNOLOGIES LLC
$225.1K269,392 shMORGAN STANLEY
$180.3K215,716 shRAMSEY QUANTITATIVE SYSTEMS
$110.3K131,997 shGSA CAPITAL PARTNERS LLP
$84.0K100,741 shVerdad Advisers, LP
$51.8K61,977 shACADIAN ASSET MANAGEMENT LLC
$40.0K49,590 shTrexquant Investment LP
$25.0K29,936 shCITADEL ADVISORS LLC
$24.0K28,700 shHRT FINANCIAL LP
$23.0K28,704 sh
| Fund | Value | Shares |
|---|---|---|
| DIMENSIONAL FUND ADVISORS LP | $871.8K | 1,030,385 |
| RENAISSANCE TECHNOLOGIES LLC | $225.1K | 269,392 |
| MORGAN STANLEY | $180.3K | 215,716 |
| RAMSEY QUANTITATIVE SYSTEMS | $110.3K | 131,997 |
| GSA CAPITAL PARTNERS LLP | $84.0K | 100,741 |
| Verdad Advisers, LP | $51.8K | 61,977 |
| ACADIAN ASSET MANAGEMENT LLC | $40.0K | 49,590 |
| Trexquant Investment LP | $25.0K | 29,936 |
| CITADEL ADVISORS LLC | $24.0K | 28,700 |
| HRT FINANCIAL LP | $23.0K | 28,704 |
Companies Similar to YRD
Ranked by quality-profile closeness and shared hedge-fund ownership — not just sector membership.
Viomi Technology Co., Ltd
Lufax Holding Ltd
NOAH HOLDINGS LTD
LexinFintech Holdings Ltd.
SECURITY NATIONAL FINANCIAL CORP
Bitcoin Depot Inc.
Similarity is computed from the 8 composite sub-scores and latest-quarter 13F conviction holdings (index-style filers excluded). Refreshed monthly.
More Financials Companies
View all Financials →Put YRD on your watchlist
Track score changes the day Yiren Digital Ltd. files with the SEC, follow the hedge funds that own it, screen 2,800+ AI-scored stocks, and get the daily brief — free.
Free tier includes 13F data, economic indicators, and market overview. Pro starts at $6.67/mo (billed annually).
Popular Research
Is YRD a good stock to buy?
13F Pro's AI-powered analysis of Yiren Digital Ltd. (YRD) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for YRD are available on the YRD stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. YRD is classified as a small company.
Which hedge funds own YRD?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling YRD. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Yiren Digital Ltd.'s investment landscape.