YRD Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range

03
Price $0.96
Market Cap $167M
P/E 3.1
EPS $0.31
Revenue $5.72B
Div Yield 163.4%
ROE 0.58%
Debt/Equity 0.0
52W Range $1–$7

YRD Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view

04
range
bars

Bar granularity adapts to the selected period — hover the chart to see open/high/low/close for a bar.

10-Year Performance Revenue, net income, margins and EPS trends

06
Revenue$5.72B
2016-12-31 → 2025-12-31
EPS$0.31
2016-12-31 → 2025-12-31
Free Cash Flow$678M
2016-12-31 → 2025-12-31
Net margin0.95%
2016-12-31 → 2025-12-31
Valuation & Ratios 07–12

Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?

Metric 5Y trend YRD 5Y avg Peer Median Verdict
P/E 3.15Y avg ≈2.7 ≈2.7 0.9 Overvalued
P/S 0.05Y avg ≈0.1 ≈0.1 · ·
P/B 0.05Y avg ≈0.1 ≈0.1 · ·
EV / EBITDA 0.5 · · ·
Price / FCF 0.25Y avg ≈1.0 ≈1.0 · ·
Price / Cash Flow 0.25Y avg ≈1.0 ≈1.0 · ·
EV / Revenue -0.6 · · ·
EV / FCF -4.7 · · ·
Price / Tangible Book 0.05Y avg ≈0.1 ≈0.1 · ·

Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.

value · ≈ 5Y avg · industry median · verdict relative to median

Dividends Yield, payout ratio, dividend history, 5Y CAGR

13
Dividend Yield163.4%
Payout Ratio500.9%
Annualized Payout≈$0.44Paid semi-annually
Ex-dateAmountCurrencyYield
Apr 30, 2025$0.22USD≈6.4%
Sep 30, 2024$0.20USD≈3.5%
Apr 27, 2018$0.28USD≈5.1%
Sep 28, 2017$1.50USD≈3.5%

Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date

14
Avg Surprise 131.3%
PeriodReportEPS ActualEPS EstSurprise
March 31, 2026 Jun 10, 2026 $-5.58 — —
June 30, 2025 $4.09 — —
March 31, 2025 $2.80 — —
March 31, 2020 $0.20 $1.68 -88.1%
Dec. 31, 2019 $4.34 $1.27 241.0%
March 31, 2019 $4.34 $1.27 241.0%

Full Fundamentals All metrics by year — income statement, balance sheet, cash flow

15
Income Statement 16
Metric Trend 202520242023202220212020201920182017201620152014
Revenue $5.72B$5.81B$4.90B$3.43B$4.48B$3.96B$8.62B$11.24B$11.53B$3.24B$1.31B$197M
R&D Expense $407M$412M$149M$152M$208M·······
SG&A Expense $322M$275M$231M$272M$298M$631M$741M$1.34B$1.32B$321M$137M$65M
Operating Expenses ·$4.16B$2.30B$1.96B$3.19B$4.67B$7.49B$10.47B$11.61B$2.15B$903M$224M
Operating Income $-5.94B$-4.16B$-2.30B$1.62B········
Interest Expense ··$13M$28M$31M·······
Interest Income ··$7M$4M$0$62M$73M$74M$115M·$846.0K·
Other Non-op $184M$215M$51M$31M$27M$15M$32M$26M$-32M$575.0K··
Pretax Income $-38M$1.86B$2.65B$1.50B$1.20B$-773M$1.40B$1.78B$188M$1.10B$404M$-28M
Income Tax $-97M$279M$565M$301M$170M$-81M$239M$194M$381M$-14M$129M$30.0K
Net Income $55M$1.58B$2.08B$1.19B$1.03B$-693M$1.16B$1.58B$-188M$1.12B$275M$-28M
EPS (Basic) $0.31$9.13$11.77$6.84$6.11$-3.84$6.24$8.58$-1.03$9.44$2.74$-0.28
EPS (Diluted) $0.31$9.06$11.64$6.81$6.06$-3.84$6.20$8.48$-1.03$9.39$2.74$-0.28
Shares (Basic) 173,575,410173,256,348176,749,706174,695,959169,029,826180,301,898185,219,586184,225,643182,438,985118,240,414100,652,055100,000,000
Shares (Diluted) 174,684,691174,711,569178,688,319175,391,332170,590,203180,301,898186,535,464186,270,515182,438,985118,937,082100,652,055100,000,000
EBITDA $-5.93B$1.84B$7M$26M$43M$92M$126M$39M$24M$11M$579.0K·
Balance Sheet 20
Metric Trend 202520242023202220212020201920182017201620152014
Cash & Equivalents $3.35B$3.84B$5.79B$4.27B$2.86B$2.47B$3.20B$2.61B$2.22B$968M$846M$1M
Other Current Assets ··········$1M$1M
PP&E (Net) $50M$79M$79M$77M$103M$147M$196M$266M$82M$36M$16M$551.0K
PP&E (Gross) $98M$134M$128M$120M$206M$396M$467M$523M$119M$50M$21M$829.0K
Accum. Depreciation $48M$55M$49M$43M$103M$248M$271M$257M$37M$14M$5M$278.0K
Goodwill $5M$5M$5M$5M········
Total Assets $13.45B$12.98B$10.28B$8.54B$7.74B$6.70B$9.64B$14.25B$7.52B$4.78B$2.19B$65M
Short-term Debt $9M···········
Deferred Tax $30M$41M$122M$80M$113M$39M$219M$487M$11M···
Total Liabilities $4.18B$3.44B$2.19B$2.51B$2.92B$2.92B$5.15B$14.62B$4.55B$2.64B$1.21B$29M
Long-term Debt ······$19M$192M····
Total Debt $9M···········
Common Stock $133.0K$132.0K$130.0K$129.0K$123.0K$121.0K$121.0K$77.0K$76.0K$75.0K$73.0K·
Paid-in Capital $5.24B$5.20B$5.17B$5.16B$5.10B$5.06B$5.04B$1.29B$1.12B$933M$792M$51M
Retained Earnings $4.21B$4.44B$2.99B$909M$-248M$-1.26B$-533M$-1.67B$1.84B$1.18B$185M$-15M
Treasury Stock $171M$170M$95M$47M$43M$40M$37M$254.0K····
AOCI $-3M$79M$24M$8M$12M$17M$22M$16M$11M$29M$101.0K$-249.0K
Stockholders' Equity $9.27B$9.54B$8.09B$6.03B$4.82B$3.78B$4.49B$-363M$-7.89B$-7.20B$977M$223M
Liabilities + Equity $13.45B$12.98B$10.28B$8.54B$7.74B$6.70B$9.64B$14.25B$7.52B$4.78B$2.19B$65M
Shares Outstanding 174,680,826172,605,774174,706,968178,577,768169,995,926167,965,710185,595,072123,128,842121,343,424119,512,300117,000,000100,000,000
Cash Flow 16
Metric Trend 202520242023202220212020201920182017201620152014
D&A $13M$9M$7M$26M$43M$92M$126M$148M$141M$11M$4M$1M
Stock-based Comp $30M$17M$7M$22M$19M$14M$44M$120M$126M$17M··
Deferred Tax $-257M$-85M$53M$-110M$85M$-158M$-132M$669M$-353M$-261M$-176M·
Other Non-cash $863M$-99M$24M$716M$-1.02B$1.03B$-920M$-2.58B$1.59B$1.23B$44M·
Operating Cash Flow $704M$1.42B$2.17B$1.85B$158M$282M$274M$-3.96B$184M$2.11B$861M$-227M
CapEx $26M$9M$4M$882.0K$9M$14M$48M$141M$218M$30M$16M$4M
Investing Cash Flow $-1.58B$-3.11B$100M$53M$-347M$-1.80B$1.11B$3.30B$-1.17B$-1.42B$-283M·
Net Debt Issued ······$-174M·····
Stock Repurchased $223.0K$76M$48M$4M$3M$3M$37M$254.0K····
Net Stock Activity $-223.0K$-76M$-48M$-4M$-3M$-3M$-37M$-254.0K····
Dividends Paid $273M$122M·····$107M$605M···
Financing Cash Flow $663M$-277M$-569M$-489M$427M$955M$-1.15B$-788M$2.64B$135M$750M·
Net Change in Cash $-231M$-1.96B$1.70B$1.42B$238M$-562M$235M$-1.45B$1.64B$856M$1.33B$222.0K
Taxes Paid $264M$140M$165M$79M$63M$104M$178M$334M$302M$66M$99M·
Free Cash Flow $678M$1.41B$2.17B$1.85B$149M$268M$226M$-872M$2.65B$2.08B$58M·
Levered FCF ··$2.16B·········
Profitability 7
Metric Trend 202520242023202220212020201920182017201620152014
Operating Margin -103.9%31.5%··········
Net Margin 0.95%27.3%42.5%34.8%23.1%-17.5%13.4%17.2%24.8%34.5%21.0%·
Pretax Margin -0.66%32.1%54.0%43.5%26.9%-19.5%16.2%20.6%31.6%34.1%30.7%·
EBITDA Margin -103.6%31.7%0.15%0.77%0.97%2.3%1.5%0.70%0.43%0.33%0.28%·
ROA 0.41%13.6%22.1%14.7%14.3%-8.5%9.7%12.9%22.3%32.0%21.8%·
ROE 0.58%17.9%29.5%22.0%24.0%-16.8%56.0%-69.8%-64.8%71.6%23.4%·
ROIC 99.5%16.3%··········
Liquidity & Solvency 1
Metric Trend 202520242023202220212020201920182017201620152014
Debt / Equity 0.0···········
Efficiency 1
Metric Trend 202520242023202220212020201920182017201620152014
Asset Turnover 0.40.50.50.40.60.50.70.70.90.91.0·
Per Share 5
Metric Trend 202520242023202220212020201920182017201620152014
Book Value / Share $53.08$55.28$46.28$33.77$28.36$22.49$24.19$41.59$24.48$17.91$1.29·
Revenue / Share $32.74$33.23$27.40$19.58$26.25$21.97$46.19$45.22$45.34$27.22··
Cash Flow / Share $4.03$8.15$12.15$10.54$0.93$1.56$1.47$-6.60$22.22$17.77··
Cash / Share $19.17$22.25$33.15$23.92$16.85$14.70$17.23$16.48$15.31$8.10$1.12·
EPS (TTM) $0.31$9.06$11.64$6.81$6.06$-3.84$6.20$8.48$-1.03$9.39$2.74·
Valuation (TTM) 17
Metric Trend 202520242023202220212020201920182017201620152014
Revenue TTM $5.72B$5.81B$4.90B$3.43B$4.48B$3.96B$8.62B$11.24B$11.53B$3.24B$1.31B·
Net Income TTM $55M$1.58B$2.08B$1.19B$1.03B$-693M$1.16B$1.58B$-188M$1.12B$275M·
Market Cap $646M$829M$545M$245M$486M$561M$1.03B$1.32B$5.34B$2.48B$1.11B·
Enterprise Value $-2.69B···········
P/E 11.90.50.30.20.5-0.90.91.3-42.72.23.5·
P/S 0.10.10.10.10.10.10.10.10.50.80.8·
P/B 0.10.10.10.00.10.10.20.31.81.27.3·
P / Tangible Book 0.10.10.10.00.10.1······
P / Cash Flow 0.90.60.30.13.12.03.8-1.62.01.218.4·
P / FCF 1.00.60.30.13.32.14.6-1.52.01.219.2·
EV / EBITDA 0.5···········
EV / FCF -4.0···········
EV / Revenue -0.5···········
Dividend Yield 42.3%14.8%·····8.1%11.3%···
Earnings Yield 8.4%188.7%373.1%497.3%211.7%-115.0%111.6%78.9%-2.3%45.3%28.9%·
Payout Ratio 500.9%7.7%·····11.0%44.1%···
Annual Payout $273M$122M·····$107M$605M···

Most recent period on the left · null values shown as ·

Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years

16
Metric 2025-12-312024-12-312023-12-312022-12-312021-12-31
Revenue $5.72B $5.81B $4.90B $3.43B $4.48B
Operating Margin % -103.9% 31.5% · · ·
Net Income $55M $1.58B $2.08B $1.19B $1.03B
Diluted EPS $0.31 $9.06 $11.64 $6.81 $6.06

Institutional owners (13F) 30 filers · $1.8M total · As of June 30, 2026

17

Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.

Holders 30
Value held $1.8M
New positions 8
Exited positions 6
Institutional activity — Q2 2026 vs prior quarter
New positions Exited positions Increased Decreased Net shares change
8 (+5 vs prior Q) 6 (-2 vs prior Q) 8 (-1 vs prior Q) 6 (-3 vs prior Q) -224K

Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.

Institution Value Shares % of tracked 13F Type
DIMENSIONAL FUND ADVISORS LP $871,820 1,030,385 48.47% Shares
RENAISSANCE TECHNOLOGIES LLC $225,131 269,392 12.52% Shares
MORGAN STANLEY $180,274 215,716 10.02% Shares
Atria Wealth Solutions, Inc. $90,750 15,000 5.05% Shares
TWO SIGMA ADVISERS, LP $78,070 21,100 4.34% Shares
WOLVERINE TRADING, LLC $75,953 12,680 4.22% Shares
AXA Investment Managers S.A. $68,563 11,562 3.81% Shares
Verdad Advisers, LP $51,794 61,977 2.88% Shares
Trexquant Investment LP $25,018 29,936 1.39% Shares
CITADEL ADVISORS LLC $23,985 28,700 1.33% Call option
SmartHarvest Portfolios, LLC $20,492 24,521 1.14% Shares
AMERICAN CENTURY COMPANIES INC $20,137 24,096 1.12% Shares
SEI INVESTMENTS CO $17,732 21,218 0.99% Shares
SUSQUEHANNA INTERNATIONAL GROUP, LLP $13,440 16,000 0.75% Call option
IMC-Chicago, LLC $12,466 14,917 0.69% Shares
XTX Topco Ltd $10,074 12,054 0.56% Shares
BNP PARIBAS FINANCIAL MARKETS $4,431 5,302 0.25% Shares
CITIGROUP INC $4,429 5,300 0.25% Shares
ROYAL BANK OF CANADA $1,000 1,217 0.06% Shares
GROUP ONE TRADING LLC $992 1,187 0.06% Shares
Lindbrook Capital, LLC $936 136 0.05% Shares
JPMORGAN CHASE & CO $457 415 0.03% Shares
UBS Group AG $321 384 0.02% Shares
BlackRock, Inc. $173 207 0.01% Shares
GSA CAPITAL PARTNERS LLP $84 100,741 0.00% Shares
ACADIAN ASSET MANAGEMENT LLC $40 49,590 0.00% Shares
HRT FINANCIAL LP $23 28,704 0.00% Shares
SBI Securities Co., Ltd. $13 15 0.00% Shares
RHUMBLINE ADVISERS $9 11 0.00% Shares
Virtu Financial LLC $9 10,544 0.00% Shares

Activists & 5%+ owners 2 positions

18

Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.

Filer Filed Stake Status Purpose Filing
Ning Tang, Great Service Holdings Limited ×5 filings June 8, 2026 82.00% Amendment · SEC
CreditEase Holdings (Cayman) Limited ×2 filings April 27, 2023 · Initial filing · SEC

Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.

Company insiders 1 insider · 1 officers · 1 directors

19
Insider Role Last activity Shares owned Buys 12m Sells 12m Net 12m
Ning Tang Executive Chairman and CEO June 5, 2026 J 143,421,412 0 0 $0

Insiders from SEC Form 3/4/5 filings; net = open-market P/S only

YRD Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside

21
rating · 8 analysts SELL
0 0.0% Strong Buy
0 0.0% Buy
2 25.0% Hold
5 62.5% Sell
1 12.5% Strong Sell

Peer comparison (GICS sub-industry) Key metrics vs sector peers

22

FY basis, prices as of each company's last fiscal year-end close.

Ticker Market Cap P/E Rev YoY Net Margin ROE Gross Margin
YRD $646M 11.9 · 0.95% 0.58% ·
XYF $1.31B 1.0 · 19.2% 19.8% ·
LX · 0.7 · 12.8% 14.8% 34.0%
JFIN · 0.8 · 24.7% 40.6% ·
VAI · · · · · ·
JF · -455.0 · -82.8% 4.9% 71.5%

My Metrics Your personal watchlist — selected rows from Full Fundamentals

26

Pick the metrics that matter to you — click the + next to any row in Full Fundamentals above.

Your selection is saved and follows you across all tickers.

Source: SEC 20-F filed Apr 29, 2026