Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
- Analyst Ratings
Upturn AI SWOT - About
YRD 
Yirendai Ltd (YRD)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
04/07/2025: 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.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit 6.89% | Avg. Invested days 29 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 04/07/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 422.50M USD | Price to earnings Ratio 1.54 | 1Y Target Price 2.03 |
Price to earnings Ratio 1.54 | 1Y Target Price 2.03 | ||
Volume (30-day avg) 197520 | Beta 0.72 | 52 Weeks Range 3.96 - 9.20 | Updated Date 04/6/2025 |
52 Weeks Range 3.96 - 9.20 | Updated Date 04/6/2025 | ||
Dividends yield (FY) 3.37% | Basic EPS (TTM) 3.16 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Earnings Date
Report Date 2025-03-19 | When Before Market | Estimate - | Actual - |
Profitability
Profit Margin 37.02% | Operating Margin (TTM) 47.92% |
Management Effectiveness
Return on Assets (TTM) 16.06% | Return on Equity (TTM) 25.34% |
Valuation
Trailing PE 1.54 | Forward PE 3.07 | Enterprise Value -49016791 | Price to Sales(TTM) 0.09 |
Enterprise Value -49016791 | Price to Sales(TTM) 0.09 | ||
Enterprise Value to Revenue 0.03 | Enterprise Value to EBITDA -0.15 | Shares Outstanding 86934496 | Shares Floating 29867050 |
Shares Outstanding 86934496 | Shares Floating 29867050 | ||
Percent Insiders - | Percent Institutions 2.93 |
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, now known as FinVolution Group, was founded in 2012. It pioneered online consumer finance in China, connecting borrowers and investors through its online platform. Initially a subsidiary of CreditEase, it later became independently listed on the NYSE in 2015.
Core Business Areas
- Online Consumer Finance: Connects borrowers and investors through an online platform, offering loan products tailored to different consumer segments.
- Loan Facilitation Services: Provides loan origination, risk assessment, and post-loan management services to borrowers and investors.
- Technology Platform: Operates a sophisticated technology platform that leverages big data and AI to improve risk management and operational efficiency.
Leadership and Structure
The leadership team includes key executives focused on technology, finance, and risk management. The organizational structure is designed to support its online platform operations and technology development.
Top Products and Market Share
Key Offerings
- Borrower Loans: Offer unsecured personal loans to borrowers with varying credit profiles. Competitors include traditional banks, credit card companies, and other online lending platforms. Hard to find definitive market share specific to these loan products. These loan products make up the primary revenue stream for Yirendai.
- Investment Products: Connect investors with borrower loans, offering various investment options with different risk levels and returns. Competitors include P2P lending platforms and wealth management firms. Hard to find definitive market share specific to these loan products. Generates revenue through transaction fees and service fees.
Market Dynamics
Industry Overview
The online consumer finance industry is highly competitive, with increasing regulatory scrutiny. Demand for consumer loans remains high, driven by economic growth and increasing consumer spending.
Positioning
Yirendai Ltd (FinVolution Group) is positioned as a leading online consumer finance platform in China, leveraging technology and data analytics to differentiate itself. It differentiates itself through risk management and technology innovation.
Total Addressable Market (TAM)
The total addressable market for consumer finance in China is substantial, estimated to be in the trillions of dollars. FinVolution is well-positioned to capture a portion of this TAM with its online platform and technology capabilities.
Upturn SWOT Analysis
Strengths
- Established brand recognition
- Strong technology platform
- Data-driven risk management
- Large user base
Weaknesses
- Regulatory risk
- Credit risk
- Reliance on third-party funding sources
- Concentration in the Chinese market
Opportunities
- Expansion into new markets
- Development of new financial products
- Partnerships with other financial institutions
- Increase in mobile adoption in China
Threats
- Increased competition
- Changes in regulations
- Economic slowdown in China
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- Lufax (LU)
- 360 DigiTech (QFIN)
- LexinFintech (LX)
Competitive Landscape
FinVolution competes with other online lending platforms based on loan pricing, risk management, and user experience. It advantages include established brand recognition and large user base, but disadvantage includes regulatory risk.
Major Acquisitions
Juzi Technology
- Year: 2019
- Acquisition Price (USD millions): 68
- Strategic Rationale: Acquisition expanded FinVolution's product offerings and enhanced its technology capabilities.
Growth Trajectory and Initiatives
Historical Growth: Historical growth analysis requires revenue and user growth data over the past few years.
Future Projections: Future growth projections depend on analyst estimates and require specific financial forecasting data.
Recent Initiatives: Requires specific information on recent strategic initiatives undertaken by Yirendai Ltd (FinVolution).
Summary
FinVolution operates in a high growth but highly regulated Chinese online lending market. They possess a strong technology platform and established user base, but face regulatory risks and competition. Growth opportunities exist in new products and market expansion. Close monitoring of the regulatory environment and competition are vital to maintain success.
Similar Companies
LU
Lufax Holding Ltd
LU
Lufax Holding Ltd
LX
Lexinfintech Holdings Ltd
LX
Lexinfintech Holdings Ltd
QFIN
360 Finance Inc
QFIN
360 Finance Inc
Sources and Disclaimers
Data Sources:
- Company reports, industry publications, news articles.
- Analyst reports
Disclaimers:
This analysis is based on limited publicly available information and should not be considered financial advice. Market share figures are estimates. The information may not be entirely accurate or up-to-date. Consult a financial professional before making 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 - | Website https://www.yiren.com |
Full time employees - | 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. Yiren Digital Ltd. 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.
Upturn is now on iOS and Android!
Experience Upturn on your mobile. Install it now!
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.