Yiren Digital Ltd. (YRD) Financial Ratio Screen
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MSCI new-inclusion financial-ratio snapshot
YRD financial screening at a glance
Calculation date: 2026-08-31. Financial period used: December 2024. The ratios are automated proxies inspired by published methodologies; they are not official index determinations.
Independent method comparison
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Business activity evidence
Business exclusion flag
The supplied classification (Credit Services) matches a prohibited-activity category.
Revenue segments: Not yet checked against an SEC annual filing.
Profile description reviewed: 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.
Sources to verify: Secondary company profile and classification · Issuer website · SEC issuer filings
A sector label or company description can flag a risk but cannot establish a compliant-revenue percentage. Only sourced segment disclosures may support that calculation.
Published-ratio reproductions (not certifications)
The table shows implemented MSCI and FTSE/Yasaar-style asset-based models plus a provisional S&P-style leverage reconstruction where a complete 36-month denominator exists. These are independent calculations, not official index results or Shariah determinations. See formulas, sources and limitations.
Based on financial data from December 2024
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| MSCI | Excluded — Credit Services | BUSINESS EXCLUSION FLAG* | |||
| FTSE | Excluded — Credit Services | BUSINESS EXCLUSION FLAG* | |||
Financial Highlights
Profitability
| Gross Margin | 86.2% | |
| Operating Margin | 4.1% | |
| Net Margin | 0.7% | |
| Return on Equity (ROE) | 0.4% | |
| Return on Assets (ROA) | 10.2% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $1.4B |
| Free Cash Flow | $1.4B |
| Total Debt | $41M |
| Debt-to-Equity | 0.4 |
| Current Ratio | 23.0 |
| Total Assets | $13.0B |
Price & Trading
| Last Close | $1.70 |
| 50-Day MA | $3.53 |
| 200-Day MA | $5.01 |
| Avg Volume | 78K |
| Beta | 0.8 |
|
52-Week Range
$1.67
| |
Financial data provenance and verification
The displayed fields were imported from yfinance on 2026-03-29 for the financial period December 2024. This is a secondary data feed and can differ from amended or newly filed statements.
- Issuer website — use its investor-relations filings to verify the figures.
- SEC EDGAR filing search — primary filing source for US issuers.
- Field mapping, formulas and limitations.
Verification rule: check debt, cash, receivables, revenue and interest income against the latest primary filing before relying on an automated ratio.
About Yiren Digital Ltd. (YRD)
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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Frequently Asked Questions
Is Yiren Digital Ltd. (YRD) halal to invest in?
The current automated result is Financial criteria not met or an activity exclusion was detected. It uses available public financial fields and simplified methodology proxies. It is not a fatwa or an official determination by AAOIFI, DJIM, MSCI, S&P, or FTSE.
What is Yiren Digital Ltd.'s debt ratio?
Yiren Digital Ltd.'s debt ratio is not available in the MSCI new-inclusion reproduction: total debt divided by total assets, against a 30% threshold. See the methodology page for the official source and limitations.
What are Yiren Digital Ltd.'s key financial metrics?
Yiren Digital Ltd. has a market capitalization of USD 146M in its listing currency, trailing P/E ratio of 24.0, and revenue of $5.8B. The company maintains a gross margin of 86.2% and a net margin of 0.7%. Return on equity stands at 0.4%.
How often is the screening data updated?
Calculation date: 2026-08-31. Financial period: December 2024. These dates are shown separately because regenerating this page does not refresh the underlying data.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.