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Upturn AI SWOT - About
YRD 
Yirendai Ltd (YRD)
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Upturn Advisory Summary
08/14/2025: YRD (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
0 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
Analysis of Past Performance
Type Stock | Historic Profit -42.9% | Avg. Invested days 28 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 505.48M USD | Price to earnings Ratio 2.72 | 1Y Target Price 2.03 |
Price to earnings Ratio 2.72 | 1Y Target Price 2.03 | ||
Volume (30-day avg) - | Beta 0.76 | 52 Weeks Range 3.96 - 9.20 | Updated Date 06/29/2025 |
52 Weeks Range 3.96 - 9.20 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 7.18% | Basic EPS (TTM) 2.15 |
Earnings Date
Report Date 2025-06-12 | When - | Estimate - | Actual 0.3911 |
Profitability
Profit Margin 22.47% | Operating Margin (TTM) 46.2% |
Management Effectiveness
Return on Assets (TTM) 13.36% | Return on Equity (TTM) 14.64% |
Valuation
Trailing PE 2.72 | Forward PE 3.07 | Enterprise Value -53348831 | Price to Sales(TTM) 0.08 |
Enterprise Value -53348831 | Price to Sales(TTM) 0.08 | ||
Enterprise Value to Revenue 0.03 | Enterprise Value to EBITDA -0.15 | Shares Outstanding 86406496 | Shares Floating 29132399 |
Shares Outstanding 86406496 | Shares Floating 29132399 | ||
Percent Insiders - | Percent Institutions 2.89 |
Upturn AI SWOT
Yirendai Ltd
Company Overview
History and Background
Yirendai Ltd, later rebranded as FinVolution Group (FINV), was founded in 2012 as a peer-to-peer lending platform in China. It connected borrowers and investors, leveraging technology for credit assessment and risk management. Over time, it transitioned to a lending facilitator model, partnering with financial institutions.
Core Business Areas
- Loan Facilitation: Connecting borrowers with institutional funding partners, facilitating consumer loans.
- Investment Solutions: Offering investment products to retail investors (historically, this role is now filled by institutional partners.)
- Other Services: Other services are those which are tech related
Leadership and Structure
FinVolution Group operates under a board of directors and an executive management team. Key leaders include the CEO and CFO. The organizational structure is typical of a publicly listed technology company.
Top Products and Market Share
Key Offerings
- Consumer Loans: Facilitation of unsecured consumer loans for various purposes. Market share data is highly dynamic in the Chinese lending market. Competitors include companies like Lufax, 360 DigiTech, and LexinFintech. Finvolution revenue from this can vary year to year.
Market Dynamics
Industry Overview
The Chinese consumer finance market is large and rapidly evolving, influenced by regulatory changes and technological advancements. Growth in the space is becoming saturated as less people can afford loans and regulations are becoming more strict.
Positioning
FinVolution Group positions itself as a technology-driven platform connecting borrowers with funding sources. Its competitive advantage lies in its risk assessment capabilities and efficient loan facilitation processes.
Total Addressable Market (TAM)
The TAM for consumer finance in China is estimated to be hundreds of billions of dollars. FinVolution Group aims to capture a share of this market by focusing on specific borrower segments and leveraging its technology platform. Regulatory oversight and macroeconomic factors play a crucial role in the TAM and FinVolution's success.
Upturn SWOT Analysis
Strengths
- Technology platform for loan origination and risk assessment
- Partnerships with financial institutions
- Established brand recognition in China
- Data Analytics for risk management
Weaknesses
- Regulatory risks in the Chinese fintech environment
- Dependence on macroeconomic conditions in China
- Intense competition from other fintech platforms and traditional lenders
- Potential exposure to credit risk.
Opportunities
- Expansion into new borrower segments
- Development of new financial products and services
- Strategic partnerships with other technology companies
- Technological upgrades to improve loan decision accuracy
Threats
- Changes in regulations governing online lending in China
- Increased competition from existing and new players
- Economic slowdown in China
- Cybersecurity risks and data breaches
Competitors and Market Share
Key Competitors
- LX (LexinFintech Holdings Ltd)
- QFIN (360 DigiTech Inc.)
- LU (Lufax Holding Ltd)
Competitive Landscape
FinVolution Group's competitive advantages include its technology platform and partnerships. Disadvantages may include regulatory risks and competition from larger players.
Growth Trajectory and Initiatives
Historical Growth: FinVolution Group's growth has been influenced by the growth of the Chinese consumer finance market and its own ability to acquire and serve borrowers. Growth trends have been variable due to regulation and competition.
Future Projections: Future growth projections depend on analyst estimates and company guidance. Factors such as loan volume, interest rates, and regulatory changes can impact future performance.
Recent Initiatives: Recent initiatives may include new partnerships, product launches, or technology upgrades.
Summary
FinVolution Group has a decent position in the complex Chinese consumer finance market, with good technology that allows it to manage risk. Its partnerships help to bring stability into the business structure. It will need to keep an eye on evolving Chinese regulations and navigate the macro environment in China. Its long term success relies on effectively managing risk and innovating its offerings.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (SEC)
- Financial news sources (e.g., Bloomberg, Reuters)
- Industry reports
Disclaimers:
This analysis is based on available information and is not financial advice. The Chinese financial market is dynamic, and data may be subject to change. Consult with a financial professional before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Yirendai Ltd
Exchange NYSE | Headquaters - | ||
IPO Launch date 2015-12-18 | Executive Chairman & CEO Mr. Ning Tang | ||
Sector Financial Services | Industry Credit Services | Full time employees 949 | Website https://www.yiren.com |
Full time employees 949 | Website https://www.yiren.com | ||
Yiren Digital Ltd. provides financial services through an AI-powered platform in China. Its platform provides a suite of financial and lifestyle services. The company offers financial services, which provides a portfolio of loan products to borrowers; insurance brokerage services; and consumption and lifestyle services, including non-financial products and services to meet various consumer needs. It supports clients at various growth stages, addressing financing needs arising from consumption and production activities, and augmenting the well-being and security of individuals, families, and businesses. The company was formerly known as Yirendai Ltd. and changed its name to Yiren Digital Ltd. in September 2019. The company was founded in 2012 and is based in Beijing, the People's Republic of China. Yiren Digital Ltd. operates as a subsidiary of CreditEase Holdings (Cayman) Limited.
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