Welcome to our dedicated page for Yiren Digital Ltd. 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.
Yiren Digital Ltd. filings document the disclosures of a foreign private issuer with operations in digital consumer lending, insurance and financial technology. Recent Form 6-K reports furnish unaudited quarterly and annual results, including revenue trends, the Credit Solution Business, loan facilitation activity, borrowers served, credit-policy changes, operating costs and cash-position commentary.
The filing record also includes current reports that attach company materials such as financial-results releases and an ESG report. These disclosures provide formal updates on Yiren Digital's operating performance, business mix, risk-management focus, reporting status and sustainability-related reporting.
Yiren Digital Ltd. announced that its board has authorized a new share repurchase program allowing the company to buy back up to US$20 million of its Ordinary Shares and ADSs, representing up to 10% of total issued and outstanding shares over the next 12 months.
Repurchases may be executed in the open market, through privately negotiated or block trades, and via Rule 10b5-1 trading plans, subject to market conditions and other factors. The company plans to fund the program from its existing cash balance while continuing to position itself as an AI-focused fintech platform in China and global markets.
Yiren Digital reported first quarter 2026 net revenue of RMB915.1 million, down 41% from RMB1,554.5 million a year earlier, as its credit solution business scaled back under a new regulatory framework and lower loan volumes.
The company posted a net loss of RMB494.7 million versus net income of RMB247.5 million in the prior-year quarter, driven by higher credit-related costs, a RMB632.2 million provision for contingent liabilities and an RMB89.0 million fair value loss on crypto-related digital assets. Adjusted EBITDA swung to a loss of RMB336.8 million from a RMB325.0 million gain.
Insurance brokerage revenue grew 22% year over year to RMB87.2 million, helped by internet distribution, while sales and marketing costs fell sharply as 78% of borrowers were repeat customers and AI tools boosted marketing efficiency. Delinquency rates for 1–30 day loans improved to 2.5% from 3.4% as of December 31, 2025, and management continued to invest in its “All-in-AI” strategy despite higher R&D spending. Net cash used in operating activities was RMB655.6 million, and cash and cash equivalents stood at RMB2,453.1 million as of March 31, 2026.
Yiren Digital Ltd. insider Ning Tang has consolidated control of the company through a restructuring of its parent, CreditEase Holdings. On June 5, 2026, certain CreditEase shareholders surrendered equity, increasing Tang’s indirect stake in CreditEase from approximately 43.4% to 100%.
Through wholly owned Great Service Holdings Limited and CreditEase, Tang now beneficially owns 143,421,412 Ordinary Shares of Yiren Digital, representing about 82.0% of the 174,976,922 Ordinary Shares outstanding as of March 31, 2026. His wife holds an additional 2,205,900 shares, which he expressly disclaims beneficial ownership of.
Yiren Digital Ltd. Executive Chairman and CEO Tang Ning reported changes in his indirect holdings through a restructuring of CreditEase Holdings (Cayman) Limited. On June 5, 2026, a shareholding restructuring at CreditEase resulted in Tang Ning indirectly holding, via a Cayman trust and a British Virgin Islands company, the entire equity interest in CreditEase, up from approximately 43.4% previously.
One Form 4 entry records 81,176,519 Ordinary Shares as an “other acquisition or disposition” transaction, with 143,421,412 Ordinary Shares indirectly owned after the transaction through CreditEase. Another entry reflects 2,205,900 Ordinary Shares held indirectly by his spouse. The filing states that Tang Ning may be deemed to have voting and dispositive power over shares held by CreditEase, but he disclaims beneficial ownership except to the extent of his pecuniary interest.
Yiren Digital Ltd. reported a restructuring of its controlling shareholder that significantly increases Executive Chairman and CEO Ning Tang’s stake in the company. Following a June 5, 2026 change in CreditEase Holdings (Cayman) Limited’s ownership, Mr. Tang now beneficially owns about 82.0% of Yiren Digital’s total issued and outstanding ordinary shares, up from roughly 35.6%. His equity interest in the controlling shareholder rose from 43.4% to full ownership. The company states this restructuring affects only the controlling shareholder’s ownership structure and does not change Yiren Digital’s day-to-day operations, management, business strategy, or corporate governance.
Yiren Digital Ltd. has appointed Marcum Asia CPAs LLP as its independent registered public accounting firm, effective June 1, 2026, replacing Wei, Wei & Co., LLP. The change was approved by the company’s audit committee and board.
Wei, Wei & Co., LLP had served as auditor since 2022. Its reports contained no adverse opinions or disclaimers and were not qualified or modified. The firm reports no disagreements with Yiren Digital over accounting principles, financial disclosure, or audit scope and formally agreed with the company’s description of the transition in its Form 6-K.
Yiren Digital Ltd. filed a Form 6-K to address recent media reports about financial products offered by affiliates of its controlling shareholder. The company emphasizes that it is an independent New York Stock Exchange–listed entity with separate management, board, financial reporting and day-to-day operations.
Yiren Digital states that the matters mentioned in the media reports are not connected to the company and that its business continues in the normal course, with operations unaffected. It notes that any transactions with its controlling shareholder and affiliates are conducted on an arm’s-length basis and disclosed under U.S. Securities and Exchange Commission rules.
The company reiterates its strategic focus on AI-enabled credit and insurance services, insurance brokerage and technology-driven operations, including its in-house Large Language Model Zhiyu and MagiCube Agent platform. Yiren Digital also commits to transparent communication and to making any disclosures required by applicable laws, regulations and listing standards.
Yiren Digital Ltd. files its 2025 Form 20-F as a Cayman holding company whose China operations run mainly through PRC subsidiaries and variable interest entities (VIEs). The VIEs contributed 14.4% of 2025 revenue, down from over 33% in prior years, and expose investors to enforceability and regulatory risks in China.
Net revenue reached RMB5,719 million in 2025, but consolidated net income fell sharply to RMB55 million, reflecting pressure on profitability. The company facilitated RMB67,438.7 million in loans in 2025, funded 99.5% by institutional partners, and paid US$38.2 million in cash dividends under its semi-annual policy.
The report highlights extensive risks from China’s evolving legal and regulatory regime, including VIE legality, data security, fintech and online lending rules, AI-related regulation, currency controls and potential new approvals or filings for future offshore offerings that could affect operations and ADS value.
Yiren Digital Ltd. director Huang Jingsheng filed an initial Form 3 reporting his ownership in the company. The filing shows he directly holds 52,076 Ordinary Shares of Yiren Digital. This is a disclosure of existing holdings rather than a new purchase or sale of shares.
Yiren Digital Ltd. Executive Chairman and CEO Tang Ning filed an initial ownership report showing indirect holdings of the company’s ordinary shares. One block of 62,244,893 ordinary shares is held by CreditEase Holdings (Cayman) Limited through a Cayman Islands trust where Tang Ning is settlor and one of the beneficiaries. Another 2,205,900 ordinary shares are held by his spouse. The filing notes that Tang Ning may be deemed to share voting and dispositive power over the shares held by CreditEase Holdings but expressly disclaims beneficial ownership of both positions except to the extent of his pecuniary interest.