olivLaw · US equity research
Yiren Digital Ltd. YRD
Finance Services · SIC 6199 · Vertical: Finance Services (SIC 6199)
Yiren Digital is an AI-powered fintech platform focused on digital consumer lending, insurance brokerage and financial technology, operating mainly in China. In fiscal 2025 it facilitated loans of about US$9,693.9 million and served roughly 14.3 million borrowers, making its model a relevant case for digital lending under tighter regulation.
The AI analysis may be outdated: new filings came after its sources (see the «AI analysis» section).
At the close of 04 Nov 2026, Yiren Digital Ltd. (YRD) stock was 0.39 USD (+4.29% on the day), with market capitalisation 68.9 m USD, P/E 8.8 on diluted EPS of 0.04 USD over the last 12 months, dividend yield 56.72%, beta 1.02, 52-week range 0.38–5.50 USD.
Data as of · AI analysis dated · Source: SEC filings and closing prices, computed by olivLaw.
Price history
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Technical reading
- RSI (14)
- 28.1
- oversold (≤ 30)
- Bollinger (20, 2)
- 0.26 – 0.99
- in the lower half of the band · %B 0.19 · band width 117.6%
- SMA 50 / 200
- 0.85 / 1.85
- downtrend (price < SMA50 < SMA200)
- MACD (12, 26, 9)
- -0.14 / -0.12
- MACD below signal
Indicators describe past prices; on their own they do not predict direction. On our history the RSI ≤ 40 filter added no return (see the signals methodology).
Performance
| Company | S&P 500 | vs S&P 500 | Vertical median | |
|---|---|---|---|---|
| 1 month | −58.4% | −1.1% | −57.3 pp | — |
| 3 months | −64.8% | −0.5% | −64.4 pp | — |
| 6 months | −81.4% | +4.4% | −85.8 pp | — |
| Year to date | −89.3% | +12.3% | −101.7 pp | — |
| 1 year | −92.7% | +13.5% | −106.3 pp | −47.5% |
| 3 years | −82.3% | +76.4% | −158.7 pp | −48.3% |
| 5 years | −87.6% | +63.7% | −151.3 pp | — |
Price returns, dividends excluded.
Quarterly results
ESEF annual reports carry no quarters: the results are annual (below).
E/P over time
E/P = trailing-12-month diluted EPS / price at quarter end. E/P is the inverse of P/E and stays defined when earnings are negative.
Today's P/E sits at the 56 percentile of its own 9-quarter history (min 1.4, median 6.2, max 83.0; quarters with earnings only).
Fiscal years
| Fiscal year | 2018 | 2019 | 2020 | 2021 | 2022 | ⚠ 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 817.5 m | 1.2 bn | 607.2 m | 702.7 m | 498.0 m | 4.9 bn | 5.8 bn | 817.8 m |
| Revenue YoY | −4.0% | +51.4% | −50.9% | +15.7% | −29.1% | — | +18.6% | −85.9% |
| Net income | 140.6 m | 166.0 m | -106.2 m | 162.1 m | 173.2 m | 293.0 m | 216.8 m | 7.8 m |
| Net income YoY | −33.3% | +18.1% | −164.0% | unavailable | +6.9% | — | −26.0% | −96.4% |
| Diluted EPS | 1.13 | 0.89 | -0.59 | 0.95 | 0.99 | 1.64 | 1.24 | 0.04 |
| Diluted EPS YoY | −34.4% | −21.3% | −166.2% | unavailable | +3.9% | — | −24.3% | −96.4% |
| net % | 17.2% | 13.4% | -17.5% | 23.1% | 34.8% | 6.0% | 3.7% | 1.0% |
| Free cash flow | -126.9 m | 32.5 m | 41.1 m | 23.3 m | 268.0 m | 305.2 m | 193.8 m | 96.9 m |
The series breaks before 2023: earlier years come from the original reports of the issuer of that time, later years from a subsequent filing that restated the perimeter (a separation, discontinued operations). The year-on-year change across the break is not shown.
Reported results vs expectations
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Balance sheet & financial health
Fiscal year 2025 · 31 Dec 2025
- Cash
- 478.8 m USD
- Financial debt
- 9.1 m USD
- Net debt
- -469.7 m USD
- Equity
- 1.3 bn USD
- Total assets
- 1.9 bn USD
- Debt / equity
- 0.01x
- Current ratio
- unavailable
- ROE
- 0.6%
- ROA
- 0.4%
- FCF margin
- 11.9%
Financial statements (source on every figure)
Revenue and net income (USD)
Margins
Income statement · USD
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Revenue | 607.2 m | 702.7 m | 498.0 m | 4.9 bn | 5.8 bn | 817.8 m | SEC (XBRL)· 29 Apr 2026verified |
| Research & development | — | — | — | 21.0 m | 56.4 m | 58.1 m | SEC (XBRL)· 29 Apr 2026verified |
| Operating income | — | — | — | — | — | -849.5 m | SEC (XBRL)· 29 Apr 2026verified |
| Depreciation & amortisation | 14.1 m | 6.8 m | 3.8 m | 1.0 m | 1.2 m | 1.9 m | SEC (XBRL)· 29 Apr 2026verified |
| EBITDA | — | — | — | — | — | -847.7 m ≈ | SEC (XBRL)· 29 Apr 2026derived |
| Interest expense | — | 31.4 m | 27.9 m | 13.1 m | 0 | — | SEC (XBRL)· 28 Apr 2025verified |
| Pre-tax income | -118.5 m | 188.8 m | 216.8 m | 372.6 m | 255.1 m | -5.4 m | SEC (XBRL)· 29 Apr 2026verified |
| Income tax | -12.4 m | 26.7 m | 43.6 m | 79.6 m | 38.2 m | -13.9 m | SEC (XBRL)· 29 Apr 2026verified |
| Net income | -106.2 m | 162.1 m | 173.2 m | 293.0 m | 216.8 m | 7.8 m | SEC (XBRL)· 29 Apr 2026verified |
| Diluted EPS | -0.59 | 0.95 | 0.99 | 1.64 | 1.24 | 0.04 | SEC (XBRL)· 29 Apr 2026verified |
| Weighted average diluted shares | 180.3 m | 170.6 m | 175.4 m | 178.7 m | 174.7 m | 174.7 m | SEC (XBRL)· 29 Apr 2026verified |
| Dividend per share | — | — | — | — | 0.10 | 0.22 | SEC (XBRL)· 29 Apr 2026derived |
≈ computed by olivLaw from the reported lines of the same year: Operating income + Depreciation & amortisation.
Balance sheet · USD
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Cash | 378.5 m | 449.5 m | 619.4 m | 815.7 m | 526.3 m | 478.8 m | SEC (XBRL)· 29 Apr 2026verified |
| Property, plant & equipment, net | 22.6 m | 16.1 m | 11.2 m | 11.1 m | 10.8 m | 7.2 m | SEC (XBRL)· 29 Apr 2026verified |
| Goodwill | — | — | 4.8 m | 4.8 m | 4.8 m | 4.8 m | SEC (XBRL)· 29 Apr 2026verified |
| Total assets | 1.0 bn | 1.2 bn | 1.2 bn | 1.4 bn | 1.8 bn | 1.9 bn | SEC (XBRL)· 29 Apr 2026verified |
| Short-term debt | — | — | — | — | — | 9.1 m | SEC (XBRL)· 29 Apr 2026verified |
| Total liabilities | 448.2 m | 457.9 m | 363.2 m | 308.6 m | 471.3 m | 598.1 m | SEC (XBRL)· 29 Apr 2026verified |
| Equity | 579.0 m † | 756.6 m † | 874.4 m † | 1.1 bn † | 1.3 bn † | 1.3 bn † | SEC (XBRL)· 29 Apr 2026verified |
| Shares outstanding at year end | 168.0 m | 170.0 m | 178.6 m | 174.7 m | 172.6 m | 174.7 m | SEC (XBRL)· 29 Apr 2026verified |
† equity attributable to the parent's shareholders: in these years the issuer no longer reports the total including non-controlling interests.
Cash flow · USD
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Operating cash flow | 43.2 m | 24.8 m | 268.1 m | 305.8 m | 195.1 m | 100.6 m | SEC (XBRL)· 29 Apr 2026verified |
| Capex | 2.1 m | 1.5 m | 128.0 k | 626.0 k | 1.3 m | 3.7 m | SEC (XBRL)· 29 Apr 2026verified |
| Free cash flow | 41.1 m ≈ | 23.3 m ≈ | 268.0 m ≈ | 305.2 m ≈ | 193.8 m ≈ | 96.9 m ≈ | SEC (XBRL)· 29 Apr 2026derived |
| Investing cash flow | -275.4 m | -54.4 m | 7.6 m | 14.1 m | -426.5 m | -225.4 m | SEC (XBRL)· 29 Apr 2026verified |
| Financing cash flow | 146.4 m | 67.1 m | -70.9 m | -80.2 m | -38.0 m | 94.8 m | SEC (XBRL)· 29 Apr 2026verified |
| Dividends paid | — | — | — | — | 16.8 m | 39.1 m | SEC (XBRL)· 29 Apr 2026verified |
| Share repurchases | 467.0 k | 432.0 k | 556.0 k | 6.8 m | 10.4 m | 32.0 k | SEC (XBRL)· 29 Apr 2026verified |
≈ computed by olivLaw from the reported lines of the same year: Operating cash flow − Capex.
Computed indicators
Growth
Profitability
Returns
Balance sheet
Liquidity
Cash
Efficiency
Market and valuation
1 indicators that do not apply to the sector.
Valuation
olivLaw classification
Score: 67 / 100
A scoring methodology on indicators and valuation, not investment advice.
Closing price
04 Nov 2026Source: olivLaw, closing series
Market cap: 68.9 m USD
Key indicators
Coverage and freshness
Score by group
- Growth50
- Valuation86
- Quality49
- Returns100
Estimated value range
The combined range = the median of the valid methods' low, central and high values; it is not a probability interval and does not cover every result. Envelope of all methods: 0.36 – 18.08 USD.
Valuation assumptions are editorial choices, not measured; beta is not measured.
Method ranges (USD per share)
— — Mid · ▏ Price
Valuation methods
- DCF (discounted cash flow)12.42 – 18.08 (Mid 14.58)WACC 8.8% · starting FCFF 96.9 m USD · terminal value share of EV 75%The WACC × g sensitivity gives the method's bounds; these are not probabilities.Reverse DCF: no growth between −30% and +40% justifies the price
- Peers: EV/EBITDAunavailable · the base of the ratio is not positive
- Peers: P/E0.36 – 1.26 (Mid 0.93)10 companies used · median multiple 20.9x · quartiles 8.1x – 28.3xATCH, AXP, JFU, NU, PGY, PURR, RHLD, SNFCA, SOFI, UPST
- Dividend discount (DDM)2.94 – 3.95 (Mid 3.37)
Classification (SIC) comparables group by industry code, not by economic activity; the direct group is an editorial selection by activity. Members' multiples are on their own trailing twelve months, at their own latest close.
Assumptions (illustrative, editorial)
- Risk-free rate
- 4.3%
- Equity risk premium
- 5.0%
- Beta (default)
- 1.00
- Cost of equity
- 9.3%
- Terminal growth
- 2.5%
Factor scorecard
Neutral profile · Score 67/100
| Factor | Value | Score | Weight used |
|---|---|---|---|
| ROIC · Quality | -83.3% | 10 (vs peers) | 15% |
| Net margin · Quality | 1.0% | 63 (vs peers) | 9% |
| FCF conversion · Quality | 1,243.1% | 100 (on a fixed band) | 9% |
| Revenue CAGR 3Y · Growth | 18.0% | 100 (on a fixed band) | 12% |
| EPS CAGR 3Y · Growth | -64.4% | 0 (on a fixed band) | 12% |
| Net debt / EBITDA · Balance sheet | unavailable | unavailable | — |
| Interest coverage · Balance sheet | unavailable | unavailable | — |
| Current ratio · Balance sheet | unavailable | unavailable | — |
| P/E (TTM) · Valuation | 8.8x | 75 (vs peers) | 15% |
| EV/EBITDA · Valuation | unavailable | unavailable | — |
| FCF yield · Valuation | 140.8% | 100 (on a fixed band) | 12% |
| Shareholder yield (distributions) · Returns | 56.8% | 100 (on a fixed band) | 9% |
| Payout ratio (FCF) · Returns | 40.3% | 100 (on a fixed band) | 6% |
Factors without a value were dropped; the remaining weights were renormalised.
Score groups
- Balance sheet· partialunavailable · 0/3 factors with a value
- Growth50/100 · 2/2 factors with a value
- Quality49/100 · 3/3 factors with a value
- Returns100/100 · 2/2 factors with a value
- Valuation86/100 · 2/3 factors with a value
A «partial» group is computed from under half of its weight or from one factor: it is not a full assessment of the group.
Memo
Yiren Digital Ltd. (YRD). Latest full fiscal year: 2025; data up to 2025-12-31.
Figures computed from the financial statements: revenue 817.8 m USD in 2025; YoY growth -85.9%; net margin 1.0%; ROE 0.6%.
The estimated value range is 2.94–3.95 USD per share (median of 3 methods, agreement: low); assumptions are illustrative. Against the central value of 3.37 USD, the price of 0.39 USD leaves a potential of 755.0% (value / price − 1) and a margin of safety of 88.3% (1 − price / value). The range is the median of the methods' low, central and high values, not a probability interval.
olivLaw score 67/100, methodological classification: neutral profile (score, margin of safety and method agreement together; not a judgement of the right price). Groups assessed only in part: balance. Not investment advice.
Text generated deterministically from the figures shown; no language model. Not investment advice.
What supports the thesis
- FCF conversion: 1,243.1%
- Revenue CAGR 3Y: 18.0%
- P/E (TTM): 8.8x
- FCF yield: 140.8%
- Shareholder yield (distributions): 56.8%
- Payout ratio (FCF): 40.3%
- The price is below the estimated value range
What contradicts it
- ROIC: -83.3%
- EPS CAGR 3Y: -64.4%
- The valuation methods diverge
Not assessed (insufficient data or a ratio without meaning): Net debt / EBITDA, Interest coverage, Current ratio, EV/EBITDA.
Versus the vertical median
Finance Services (SIC 6199) · same industry (4-digit SIC) · compared with 39 companies
Multiples and returns vs the median
Price rebased to 100 (monthly, 5 years)
Companies in the vertical
| Market cap | P/E | ROE | Net margin | Revenue YoY | 1A / 3A | |
|---|---|---|---|---|---|---|
| AXPAmerican Express Co | 223.0 bn | 18.7 | 35.9% | 27.9% | +6.4% | −9% / +95% |
| ARBKArgo Blockchain PLC | 45.2 bn | — | — | -117.2% | −7.0% | −97% / −99% |
| COINCoinbase Global, Inc. | 40.1 bn | — | -4.7% | -12.5% | +9.4% | −44% / +21% |
| SOFISoFi Technologies, Inc. | 22.4 bn | 36.3 | 7.1% | 104.3% | +23.1% | −42% / +138% |
| MARAMara Holdings, Inc. | 2.7 bn | — | -107.2% | -430.2% | +38.2% | −42% / −43% |
| UPSTUpstart Holdings, Inc. | 2.3 bn | 39.9 | 8.0% | 4.9% | +64.0% | −48% / −13% |
| PURRHyperliquid Strategies Inc | 1.9 bn | 3.0 | 32.6% | 3,229.8% | unavailable | unavailable / unavailable |
| CLSKCleanSpark, Inc. | 1.7 bn | — | -68.6% | -130.2% | +102.2% | −55% / +9% |
| BTDRBitdeer Technologies Group | 1.5 bn | — | -196.7% | -171.3% | −5.1% | −51% / +45% |
| RHLDResolute Holdings Management, Inc. | 1.0 bn | 24.1 | — | 4.2% | +9.9% | −26% / unavailable |
| CDChaince Digital Holdings Inc. | 741.4 m | — | -12.3% | -182.5% | +277.9% | −30% / +622% |
| GDOTGreen Dot Corp | 727.1 m | — | -2.8% | -1.1% | +20.7% | +2% / +59% |
| TRONTron Inc. | 664.1 m | 96.8 | 3.8% | 135.6% | +10.0% | −24% / −48% |
| JFU9F Inc. | 536.7 m | 23.2 | 4.7% | 125.2% | +12.2% | −52% / −43% |
| BTBTBit Digital, Inc. | 300.9 m | — | -56.7% | -237.2% | +5.1% | −65% / −68% |
| CANGCango Inc. | 272.7 m | — | -130.8% | -90.4% | +524.3% | −92% / −76% |
| CNTNCanton Strategic Holdings, Inc. | 172.1 m | — | -43.1% | — | unavailable | −17% / −83% |
| USBCUsbc, Inc. | 166.5 m | — | -414.1% | — | −100.0% | −47% / −97% |
| SNFCASecurity National Financial Corporation | 166.1 m | 6.5 | 9.0% | 11.1% | +3.0% | +15% / +37% |
| TONXTon Strategy Company | 159.7 m | — | -75.5% | -532.8% | +1,327.8% | −15% / −93% |
| BMHLBluemount Holdings Limited | 79.0 m | 61,098.2 | 26.2% | 18.8% | unavailable | −8% / unavailable |
| YRDYiren Digital Ltd. | 68.9 m | 8.8 | 0.6% | 1.0% | −85.9% | −93% / −82% |
| UPXIUpexi, Inc. | 62.9 m | — | -1,356.3% | -984.3% | +58.1% | −73% / −95% |
| SGRXSangrix Inc. | 40.8 m | — | -300.3% | -36,190.3% | −98.6% | −99% / −100% |
| AVXAvax One Technology Ltd. | 34.9 m | — | -189.6% | -1,533.9% | +8,709.3% | −80% / −100% |
1- and 3-year price returns: for YRD from daily closes (the same as the performance table), for the other companies from month-end closes.
olivLaw engine forecast
The world engine ran after the company's latest material disclosure. Probabilities are of TOUCHING a level within the horizon (not closing there) and sit next to the random walk (p_rw), the no-information benchmark.
The engine has no published run for this company yet.
Valuation scenarios (editable assumptions)
Illustrative scenarios
Illustrative: not forecasts and without probabilities. Each case is one coherent set of assumptions, computed on today's figures.
Estimated price (USD)
| Estimated price | Bear | Base | Bull |
|---|---|---|---|
| 1 years | 0.26 Total return -25% · Per year -25% | 0.45 Total return 28% · Per year 28% | 0.68 Total return 88% · Per year 88% |
| 3 years | 0.31 Total return 10% · Per year 3% | 0.60 Total return 97% · Per year 25% | 0.98 Total return 206% · Per year 45% |
| 5 years | 0.36 Total return 51% · Per year 9% | 0.79 Total return 189% · Per year 24% | 1.41 Total return 374% · Per year 37% |
- Exit P/E± 0.15
- Net margin± 0.11
- Annual revenue growth± 0.08
- Annual dilution± 0.01
AI analysis
AI-generatedAI-generated analysis (Claude) from cited public sources; it may contain errors. Not investment advice. As of 27 Oct 2026 · Model: claude-haiku-5-5.
Possibly outdated: the newest document it read is from 29 Apr 2026; since then the company filed 6-K (15 Oct 2026), 6-K (13 Oct 2026), 6-K (30 Sept 2026), 6-K (02 Jul 2026), 6-K (26 Jun 2026), 6-K (08 Jun 2026).
In brief
Yiren Digital is an AI-powered fintech platform focused on digital consumer lending, insurance brokerage and financial technology, operating mainly in China. In fiscal 2025 it facilitated loans of about US$9,693.9 million and served roughly 14.3 million borrowers, making its model a relevant case for digital lending under tighter regulation. 1
SWOT
Strengths
- A digital platform with a risk model based on proprietary data and the CreditEase database, operating at national scale 1.
- Partnerships with several categories of institutional funders, which reduce reliance on a single funding source 1.
- A product mix that combines lending with insurance brokerage, providing more than one revenue stream 1.
Weaknesses
Opportunities
Risks
- Dependence on institutional fundinghigh
If institutional partners reduce funding or withdraw, the company could be unable to facilitate loans at the expected volume 1.
- Regulatory risk on credit reportinghigh
Authorities could consider the company's activities as personal credit reporting without the required licence, which could bring penalties 1.
- Reliance on acquisition channelsmedium
If online channels for attracting borrowers become less effective, acquisition costs could rise 1.
- International expansion risklow
New operations in other countries could face integration and regulatory difficulties that affect results 1.
Investment thesis
What would need to be true (bull case)
- If online lending consolidates around compliant players, the company could gain share given its large borrower base and institutional partners 1.
- Growth in insurance and in international markets could diversify revenue and reduce reliance on lending in China 1.
- A data- and AI-driven model could help sustain cost efficiency and risk assessment quality 1.
What would break the thesis
- The rise in late payments during 2025 could signal portfolio problems that worsen if the economy slows 1.
- Dependence on institutional funders and shifting regulation could limit loan volumes and profitability 1.
- Uncertainty over credit reporting could bring compliance costs or penalties that weigh on results 1.
What to watch
- Trend in delinquency rates and net charge-off rates by vintageQ1 2027
- Integration progress of the Indonesian acquisition and Philippine results2027
- Volume of loans funded by institutional partnersQ1 2027
Products, market & competition
AI-generatedAI-generated analysis (Claude) from cited public sources; it may contain errors. Not investment advice. As of 27 Oct 2026 · Model: claude-haiku-5-5.
Possibly outdated: the newest document it read is from 29 Apr 2026; since then the company filed 6-K (15 Oct 2026), 6-K (13 Oct 2026), 6-K (30 Sept 2026), 6-K (02 Jul 2026), 6-K (26 Jun 2026), 6-K (08 Jun 2026).
The business
Yiren Digital Ltd. is a Cayman Islands company with principal offices in Beijing, listed on the NYSE as YRD since December 2015 and controlled by its parent CreditEase 1. Its activity is split into credit solutions, insurance brokerage through Hexiang Insurance Brokers, and other activities, mainly e-commerce services that have shrunk and are no longer reported as a separate segment 1. The company has gradually expanded abroad, including the acquisition of 65% of PT Pinjaman Kemakmuran Rakyat in February 2026 1.
The lending model facilitates loans funded by institutional partners such as banks, internet banks, trusts, microloan companies and consumer finance companies, earning loan facilitation and post-origination fees 1. Since September 2020 it no longer accepts funding from individual investors, and only a small share of loans is self-funded 1. For risk-taking products it also provides credit guarantees, which increases its exposure to losses 1.
Insurance brokerage, run by Hexiang Insurance Brokers, earns commissions as a percentage of premiums paid and covers life, health, property and casualty products, including online distribution since 2024 1. The other activities became immaterial by the end of 2025 1.
Segments
Market context
China's online consumer lending market is moving toward a more mature regulatory framework that has removed many smaller platforms and raised entry barriers, leaving more room for national players 1. Demand depends on general economic conditions, including interest rates and unemployment, which affect borrowers' willingness to borrow and default risk 1. Insurance penetration in China is, by the company's account, far below that of the US and Europe 1.
International activity, started in the Philippines at the end of 2022 and extended through acquisitions in Latin America and Indonesia, exposes the company to different regional markets 1. Results there are at an early stage and cannot be extrapolated from China 1.
Trends
- Tighter regulation of online lendingmixed
Chinese authorities are building a more mature framework for online lending, which could reduce the number of players but also raise compliance costs 1. The company says the changes may also create new product opportunities 1.
- International expansiontailwind
Acquisitions in the Philippines, Latin America and Indonesia open new growth markets as the company diversifies its geographic base 1.
- Exit from non-core activitiesmixed
Scaling back e-commerce and divesting some entities in 2025 focuses the company on lending and insurance, which may simplify the model but reduces diversification 1.
Competitive position
In China's online lending the company competes with other loan facilitation platforms, whose number has fallen as regulatory barriers have risen 1. In the Philippines it faces regional lenders, and in insurance it competes with other brokerage firms in China 1.
The company's stated advantage rests on its proprietary risk model built on data from its operations and on the extensive database of CreditEase 1. Its ability to attract institutional funding partners and keep delinquency low will largely shape its competitive position 1.
- CreditEase
Parent company and controlling shareholder that transferred businesses to Yiren Digital and still provides support services 1.
- Other Chinese loan facilitation platforms
National and regional online lenders whose number has declined as regulatory barriers increased 1.
- Regional lenders in the Philippines
Local credit companies the business faces as it expands internationally 1.
- Other insurance brokerage firms in China
Competitors in brokerage, where product differentiation and channel partnerships matter 1.
Links, dependencies and risks
Who the company is tied to, from its own SEC filings (customers, suppliers, production, partners, competitors, countries, regulation), from the 5 %+ holders' statements (13D/13G) and from what other companies say about it. Click a node for its evidence; on a listed company the graph moves to it.
Loading the links…
News & filings
In the press
No news in our archive over the last 180 days.
SEC filings
- Current report (foreign issuer)15 Oct 2026
- Current report (foreign issuer)13 Oct 2026
- Current report (foreign issuer)30 Sept 2026
- Current report (foreign issuer)02 Jul 2026
- Current report (foreign issuer)26 Jun 2026
- Current report (foreign issuer)08 Jun 2026
- Current report (foreign issuer)01 Jun 2026
- Current report (foreign issuer)27 May 2026
- Annual report (foreign issuer)29 Apr 2026
- Current report (foreign issuer)20 Mar 2026
Sources
- [1] Form 20-F, fiscal year ended 2025-12-31 · SEC / Yiren Digital Ltd. · 29 Apr 2026
Figures computed by olivLaw from SEC filings and closing prices; the qualitative analysis is AI-generated from cited sources. Not investment advice.