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Upturn AI SWOT - About
YRD 
Yirendai Ltd (YRD)
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Upturn Advisory Summary
06/20/2025: YRD (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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
Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $2.03
1 Year Target Price $2.03
| 0 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -43% | Avg. Invested days 28 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/20/2025 |
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 |
Analyst Ratings
Rating - | Target Price 2.03 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Yirendai Ltd
Company Overview
History and Background
Yirendai Ltd, later rebranded as Yiren Digital Ltd. in 2019, was founded in 2012 in China. It started as a peer-to-peer lending platform, connecting borrowers and investors. It was one of the earliest fintech companies in China and experienced rapid growth alongside the P2P lending boom. The company was listed on the New York Stock Exchange (NYSE) in 2015. Faced regulatory changes in the P2P lending sector in China, Yiren Digital transitioned to a credit technology platform, focusing on serving institutional investors.
Core Business Areas
- CreditTech Solutions: Provides solutions to connect borrowers with financial institutions, enabling access to credit for consumers and small businesses.
- Wealth Management: Offers online wealth management products and services to investors.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure includes business units focusing on credit technology, wealth management, and technology development.
Top Products and Market Share
Key Offerings
- CreditTech Platform: Connects borrowers with institutional funders. Yiren Digital facilitates loan origination, credit assessment, and risk management. Market share data specific to the segment is not readily available. Competitors include Lufax, 360 DigiTech, and LexinFintech.
- Wealth Management Products: Offers a range of investment products like mutual funds and fixed-income products. The focus is on providing accessible wealth management solutions to a broad user base. Market share is competitive against other online wealth management companies such as Ant Financial and JD Finance. Revenue data is not readily available.
Market Dynamics
Industry Overview
The fintech industry is rapidly growing, driven by increasing demand for online financial services and technological advancements. The industry faces evolving regulatory landscapes and increasing competition.
Positioning
Yiren Digital aims to be a leading credit technology and wealth management platform by leveraging its technology and data analytics capabilities. It competes against other established fintech companies and traditional financial institutions.
Total Addressable Market (TAM)
The TAM for credit technology and wealth management in China is substantial, estimated in the trillions of RMB. Yiren Digital is positioned to capture a share of this market by focusing on technology-driven solutions and strategic partnerships.
Upturn SWOT Analysis
Strengths
- Strong technology platform
- Established brand recognition
- Experienced management team
- Data analytics capabilities
Weaknesses
- Regulatory risks associated with fintech operations
- Reliance on the Chinese market
- Competition from larger fintech companies
- Relatively small market capitalization
Opportunities
- Expansion into new product lines
- Strategic partnerships with financial institutions
- Growth in the demand for online financial services
- Potential for international expansion
Threats
- Increasing competition
- Changes in regulations
- Economic downturn in China
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- LU
- QIWI
- PPDF
Competitive Landscape
Yiren Digital faces intense competition from larger fintech companies with more resources and established customer bases. Its technology and data analytics capabilities are key differentiators, but it needs to innovate continuously to maintain its competitive edge.
Growth Trajectory and Initiatives
Historical Growth: Historical growth needs to be collected from latest available filing. Due to access restrictions from using external tools or APIs, this is not possible to calculate and include.
Future Projections: Future projections needs to be collected from latest available filing. Due to access restrictions from using external tools or APIs, this is not possible to calculate and include.
Recent Initiatives: Recent Initiatives needs to be collected from latest available filing. Due to access restrictions from using external tools or APIs, this is not possible to calculate and include.
Summary
Yiren Digital is a fintech company transitioning to a credit technology platform and wealth management. Its strengths lie in its technology platform, but it faces regulatory and competitive challenges. The company needs to focus on strategic partnerships and innovation to sustain growth. The future projections of the company are directly tied to regulatory conditions in China.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Market Research Reports
- Analyst Reports
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Investment decisions should be based on thorough research and consultation with a financial advisor. Market share data is estimated and may not be precise.
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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