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Yiren Digital Ltd SEC Filings

YRD NYSE

Welcome to our dedicated page for Yiren Digital SEC filings (Ticker: YRD), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.

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Rhea-AI Summary

MarineMax (HZO) reported a sharp swing to loss for Q3 FY25. Revenue fell 13% YoY to $657.2 million as new-boat demand softened; nine-month sales declined 6% to $1.76 billion. Gross margin contracted 80 bp to 30.4%, only partly offset by a 5% reduction in SG&A.

A $69.1 million goodwill impairment in the Product Manufacturing unit drove an operating loss of $41.5 million and a net loss of $52.1 million (-$2.42 diluted EPS) versus $31.6 million profit ($1.37 EPS) a year ago. Interest expense remained elevated at $16.9 million.

Cash & equivalents dropped to $151.0 million (-33% YTD) after $27.5 million of buybacks and $51.1 million of contingent-consideration payouts. Floor-plan borrowings rose 4% to $735.2 million, while inventories were flat at $906.2 million. Total liquidity (cash + $100 million revolver) is adequate, and operating cash flow turned positive at $11.4 million versus -$24.9 million last year.

Balance-sheet leverage remains moderate: net debt/EBITDA (LTM, excl. impairment) near 2.4×. Contingent consideration liabilities were cut to $4.5 million from $81.3 million, easing future cash calls. The company remains a large Sea Ray, Boston Whaler and Azimut dealer, but management flags macro pressure (rates, tariffs) on luxury-boat demand.

Key metrics

  • Q3 gross profit: $199.6 m (-18%)
  • Q3 SG&A: $172.1 m (-5%)
  • YTD operating cash flow: +$11.4 m
  • Shares outstanding 21.46 m (7% bought back YoY)

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FAQ

What is the current stock price of Yiren Digital (YRD)?

The current stock price of Yiren Digital (YRD) is $6.2 as of July 25, 2025.

What is the market cap of Yiren Digital (YRD)?

The market cap of Yiren Digital (YRD) is approximately 547.0M.

What core services does Yiren Digital Ltd provide?

Yiren Digital delivers a range of services including digital financial solutions, tailor-made insurance brokerage, and lifestyle offerings, all powered by advanced AI and data analytics.

How does Yiren Digital integrate AI into its operations?

The company employs proprietary AI platforms such as DiTing and integrates systems like DeepSeek to enhance decision-making, risk management, customer service, and overall operational efficiency.

What differentiates Yiren Digital from other fintech companies?

Yiren Digital uniquely blends financial services with lifestyle enhancements by leveraging AI-driven platforms, creating a comprehensive ecosystem that caters to diverse customer needs while ensuring robust risk management.

How does Yiren Digital support its customers across different growth stages?

The platform offers scalable financial products, personalized insurance solutions, and premium lifestyle services that adjust to the needs of individuals, families, and businesses at various stages of their development.

What role does the DiTing platform play in Yiren Digital’s business model?

DiTing is the cornerstone of Yiren Digital's AI capabilities, enabling rapid decision-making through advanced machine learning algorithms and integrating data from numerous sources to support multiple business lines.

How does Yiren Digital ensure operational stability and risk control?

The company employs rigorous risk management protocols, advanced data analytics, and continuous monitoring using state-of-the-art AI solutions to safeguard its operations and provide a secure user experience.
Yiren Digital Ltd

NYSE:YRD

YRD Rankings

YRD Stock Data

546.95M
86.41M
2.81%
0.22%
Credit Services
Financial Services
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China
Beijing