Yiren Digital Ltd.
YRD
Rank in Stocks
#24536
Yiren Digital Ltd., a subsidiary of Creditease Holdings (Cayman) Limited,... Yiren Digital Ltd., a subsidiary of Creditease Holdings (Cayman) Limited, operates as a leading online consumer finance marketplace connecting borrowers and investors across the People's Republic of China. Founded in Beijing in 2012 and previously known as Yirendai Ltd. until its name change in September 2019, the company's primary function involves facilitating loans. This includes not only the initial matching service but also comprehensive post-origination support, such as cash processing, debt collection, and communication management. Its diverse portfolio of loan products encompasses unsecured consumer credit, various secured consumer loans (including those collateralized by financial leases, automobiles, and real estate), and financing solutions tailored for small businesses. Beyond its lending activities, Yiren Digital also makes available a selection of financial investment products, such as short-term cash management tools, mutual funds, insurance policies, and securities. To further support its clientele, the company provides extensive online investor education services, covering a broad spectrum of investment and trading topics. It also offers specialized training programs focusing on wealth planning, market analysis, and strategic investment approaches. Additionally, Yiren Digital furnishes IT consultancy and support, referral services, system maintenance, and dedicated customer assistance. The firm also extends its operations into financial lease services and insurance brokerage. Customers can access Yiren Digital's offerings through its dedicated website, www.yxpuhui.com, alongside a specialized wealth management portal and a proprietary mobile application. As of December 31, 2020, the company showcased an impressive range of products, featuring 60 fixed income options, 810 mutual fund offerings, and 296 distinct insurance products.
Share Price
$0.3734
Last synced: 2026-11-09
Market Cap
$32.46M
Change (1 day)
0.65%
Change (1 year)
-93.16%
Country
Stock data: Financial Modeling PrepΒ·Updated Β·Not investment adviceΒ·How we calculate this
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Category
Financial Services
Operating Margin for Yiren Digital Ltd. (YRD)
Operating Margin as of November 2026 TTM: 11.63%
According to Yiren Digital Ltd.'s latest financial reports, its current operating margin (TTM) is 11.63%. At the end of 2025 the company had an operating margin of 38.50%.
Operating Margin history for Yiren Digital Ltd. from 2013 to 2026
Operating Margin at the end of each year
| Year | Operating Margin | Change |
|---|---|---|
| 2026 (TTM) | 11.63% | -69.79% |
| 2025 | 38.50% | 35.71% |
| 2024 | 28.37% | -46.47% |
| 2023 | 53.00% | 23.69% |
| 2022 | 42.85% | 49.04% |
| 2021 | 28.75% | -2,381.75% |
| 2020 | -1.26% | -109.63% |
| 2019 | 13.09% | 89.71% |
| 2018 | 6.90% | 2,200.00% |
| 2017 | 0.30% | -99.10% |
| 2016 | 33.50% | 6.38% |
| 2015 | 31.49% | -323.65% |
| 2014 | -14.08% | -94.72% |
| 2013 | -266.43% | 0.00% |
Operating Margin for similar companies or competitors
| Company | Operating Margin | Operating Margin Difference | Country |
|---|---|---|---|
| 61.24% | -94.73% |
US
|
|
| 58.76% | -94.95% |
US
|
|
| 27.55% | -97.63% |
US
|
|
| 21.12% | -98.18% |
US
|
|
| 39.84% | -96.57% |
IN
|
What is a company's Operating Margin?
The operating margin is a key indicator to assess the profitability of a company. Higher operating margins are generaly better as they show that a company is able to sell its products or services for much more than their production costs. The operating margin is calculated by dividing a company's earnings by its revenue.
Questions about Yiren Digital Ltd.'s operating margin
What is Yiren Digital Ltd.'s operating margin?
Yiren Digital Ltd.'s operating margin is 11.63%, as of Nov 2026.
What was Yiren Digital Ltd.'s operating margin in 2025?
In 2025, Yiren Digital Ltd.'s operating margin was 38.50%, compared with 28.37% in 2024.
How has Yiren Digital Ltd.'s operating margin changed since 2020?
From 2020 to 2025, Yiren Digital Ltd.'s operating margin was highest in 2023 (53.00%) and lowest in 2020 (-1.26%).
How does Yiren Digital Ltd.'s operating margin compare with similar companies?
Yiren Digital Ltd.'s operating margin (11.63%) is lower than that of all 5 similar companies listed above. The highest among them is Visa Inc., with 61.24%.