Is Yiren Digital Ltd. (YRD) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2024
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Credit Services | ✗ NOT HALAL | |||
| DJIM | Excluded — Credit Services | ✗ NOT HALAL | |||
| MSCI | Excluded — Credit Services | ✗ NOT HALAL | |||
| S&P | Excluded — Credit Services | ✗ NOT HALAL | |||
| FTSE | Excluded — Credit Services | ✗ NOT HALAL | |||
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
| |
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?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), Yiren Digital Ltd. is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is Yiren Digital Ltd.'s debt ratio?
Yiren Digital Ltd.'s debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are Yiren Digital Ltd.'s key financial metrics?
Yiren Digital Ltd. has a market capitalization of $146M, 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?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
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.