Yiren Digital Ltd. · Finance Services

YRD

Low riskNext report: Not enough history

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The short version

A profitable company with steady sales.

Going well

Profitable
Brings in more cash than it spends
No debt reported

Money moves

No insider buying or selling in the last 30 days
Institutions cut 2.7% from their holdings in the quarter ending June 2026 (17 bought, 11 sold)

Facts from SEC filings, not a recommendation.

Price

Price chart by TradingView.

Business quality

The checklist Warren Buffett-style investors use. Annual numbers for 2025.

3/6Mixed

MissReturn on equity 15%+Earns a lot on the money owners have in the business.0.6%
PassDebt under half of equityNot relying on borrowed money.No debt reported
MissNet margin 10%+Keeps at least 10 cents of profit from each dollar of sales.1.0%
MissProfitable every yearSteady profits, not one good year.9 of 10 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$96.9M
PassShare count not growingNot diluting owners. Falling means buybacks.-0.4% in 3 years

Revenue: $817.8M; +2.8% vs prior year
5-year growth: +6.1%/yr; revenue, per year
Total debt: None; 0.00x equity
Free cash flow: $96.9M; 11.9% of revenue

From annual reports filed with the SEC. Gross margin doesn't apply to banks and insurers, so it isn't scored. A checklist is a starting point for research, not a verdict.

Insider rating

Last 90 days

No open-market insider buys or sells in the last 90 days.

Weekly insider trend

No trades to chart yet.

Filing buzz

Last 7 days vs normal

0/ 100

This week: 0
Normal week: 0.2
vs normal: 0.0x

SEC filings of any kind. 50 means a normal week.

Institutional ownership

Steady-2.7%

Institutions cut 2.7% from their holdings. 17 bought, 11 sold. 3 quarters of net selling in a row.

Shares held by institutions2.0M

Sep '24Jun '26

Safety check

From SEC filings

Share count growthYearly rate, last 3 years

-0.7%

Cash runwayAt last year's cash burn

Cash flow positive

Debt to equityLatest balance sheet: debt compared with what owners have

No debt reported

Shares outstandingLatest reported

175M

Earnings reports

Last 0

Next reportNot enough history

Flags and big holders

Offerings 6 months, flags 12 months, holders 90 days

No offerings, red flags or new big holders. Clean record.

Insider trades

Open-market buys and sells, last 90 days

No open-market buys or sells in 90 days. Grants and option exercises are left out.

"Owns after" is the insider's holding right after the trade. Pre-planned (10b5-1) sales are set up months ahead, a weaker signal.

Latest filings

Straight from SEC EDGAR

6-KOct 15 · Form 6-K ↗6-KOct 13 · Form 6-K ↗6-KSep 30 · Form 6-K ↗6-KJul 2 · Form 6-K ↗6-KJun 26 · Form 6-K ↗6-KJun 8 · Form 6-K ↗

Other transferNing TangExecutive Chairman and CEO, Director, 10% owner

81,176,519 shares

+130% of holdings
Now owns 143,421,412 shares
Held See footnote
Filed 3 days after trade

Jun 5Form 4 ↗

5%+ holder update (active)Jun 8 · Form SCHEDULE 13D/A ↗6-KJun 1 · Form 6-K ↗6-KMay 27 · Form 6-K ↗20-FApr 29 · Form 20-F ↗New insiderApr 23 · Form 3 ↗New insiderMar 27 · Form 3 ↗New insiderMar 26 · Form 3 ↗6-KMar 20 · Form 6-K ↗

Source: SEC EDGAR filings. For informational purposes. Not investment advice.

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