Yiren Digital launches new US$20M share buyback

Rhea-AI Filing Summary

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.

Positive

• Material buyback authorization: Board approved a new share repurchase program of up to US$20 million, covering as much as 10% of total issued and outstanding shares over the next 12 months, to be funded from the company’s existing cash balance.

Negative

• None.

Insights

Equity capital markets analyst

Yiren Digital authorizes a US$20M, up-to-10% share repurchase over 12 months, funded from cash.

Yiren Digital has approved a new share repurchase program of up to US$20 million, covering as much as 10% of its total issued and outstanding Ordinary Shares and ADSs. The program runs for the next 12 months and is effective immediately.

Repurchases may occur via open-market buys, privately negotiated deals, block trades, or Rule 10b5-1 trading plans, giving flexibility to respond to market conditions. The company states that repurchases will be funded from its existing cash balance, so no external financing is required based on the disclosure.

Management also highlights progress on its AI initiatives, including the Zhiyu Large Language Model and MagiCube Agent platform, as part of an AI-native, multi-industry strategy. Future disclosures in company filings may provide more detail on actual amounts repurchased under this authorization and how capital returns evolve alongside these growth initiatives.

Key Figures

Share repurchase size: US$20 million Repurchase percentage cap: 10% of total issued and outstanding shares Program duration: 12 months +1 more

4 metrics

Share repurchase size US$20 million Maximum aggregate amount under new repurchase program

Repurchase percentage cap 10% of total issued and outstanding shares Maximum proportion of Ordinary Shares and ADSs eligible

Program duration 12 months Timeframe over which repurchases may occur

Exchange listing NYSE: YRD Ticker symbol for Yiren Digital ADSs

Key Terms

share repurchase program, American depositary shares, Rule 10b5-1 trading plans, Large Language Model, +1 more

5 terms

share repurchase program financial

"its board of directors has authorized a new share repurchase program, under which the Company may repurchase up to 10%"

A share repurchase program is when a company buys back its own shares from the marketplace. This reduces the total number of shares available, which can increase the value of each remaining share and signal confidence in the company's prospects. For investors, it often suggests that the company believes its stock is undervalued or that it has extra cash to return to shareholders.

American depositary shares financial

"may repurchase up to 10% of total issued and outstanding Ordinary Shares and/or American depositary shares"

American depositary shares (ADSs) are a way for investors in the United States to buy shares of foreign companies without dealing with international markets directly. They represent ownership in a foreign company's stock and are traded on U.S. stock exchanges, making it easier for American investors to buy, sell, and own parts of companies from around the world.

Rule 10b5-1 trading plans regulatory

"including through Rule 10b5-1 trading plans, depending on market conditions"

Rule 10b5-1 trading plans are written, pre-arranged instructions that allow company insiders (such as executives or directors) to automatically buy or sell their company's stock at specified times or under set conditions, like a standing instruction or automated thermostat for trades. They matter to investors because these plans provide a legal defense against insider‑trading accusations and create predictable insider trading patterns that can help signal whether sales are routine portfolio management or potentially meaningful to the company’s outlook.

Large Language Model technical

"Following the regulatory filing of its in-house developed Large Language Model Zhiyu"

A large language model is a computer system trained on vast amounts of text to understand and generate human-like writing, like a very well-read virtual assistant that can summarize, draft, translate, or answer questions. Investors care because it can change how businesses operate and compete—boosting productivity, cutting costs, or enabling new products—while also creating risks around accuracy, regulation, and security that can affect revenue and valuation.

forward-looking statements regulatory

"This press release contains forward-looking statements within the meaning of Section 21E"

Forward-looking statements are predictions or plans that companies share about what they expect to happen in the future, like estimating sales or profits. They matter because they help investors understand a company's outlook, but since they are based on guesses and assumptions, they can sometimes be wrong.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What did Yiren Digital (YRD) announce in its new share repurchase program?

Yiren Digital’s board authorized a new share repurchase program of up to US$20 million, covering as much as 10% of its total issued and outstanding Ordinary Shares and ADSs over the next 12 months, effective immediately and funded from its existing cash balance.

How large is Yiren Digital’s new buyback program relative to its share base?

The program permits Yiren Digital to repurchase up to 10% of its total issued and outstanding Ordinary Shares and ADSs, with an aggregate cap of US$20 million. This indicates the authorization could retire a meaningful portion of the current equity base if fully utilized.

Over what period will Yiren Digital (YRD) conduct the US$20 million repurchase?

Yiren Digital may execute the US$20 million share repurchase program over the next 12 months from the announcement date. The timing and actual amount repurchased will depend on market conditions, trading price, volume, and other factors considered by the company.

How does Yiren Digital plan to fund its new share repurchase program?

Yiren Digital expects to fund the repurchases from its existing cash balance. This means the company is not indicating any need for external financing in the disclosure, and can deploy available liquidity to buy back Ordinary Shares and ADSs under the program.

What methods can Yiren Digital use to repurchase shares under this program?

The company may buy shares in the open market at prevailing prices, through privately negotiated transactions, block trades, and other legally permissible means, including Rule 10b5-1 trading plans. This flexible structure lets Yiren Digital adjust repurchase activity to varying market conditions.

How does Yiren Digital describe its broader strategic focus alongside the buyback?

Yiren Digital presents itself as a leading fintech using advanced AI and emerging technologies in lending, insurance, and financial innovation. It highlights its Zhiyu Large Language Model and MagiCube Agent platform as foundations for evolving into an AI-native, multi-industry operating platform beyond traditional financial services.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 07/02/2026 - 08:37 AM EDT Learn about SEC filing dates

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 6-K

REPORT OF FOREIGN PRIVATE ISSUER

PURSUANT TO RULE 13a-16 OR 15d-16 UNDER

THE SECURITIES EXCHANGE ACT OF 1934

For the month of July 2026

Commission File Number: 001-37657

YIREN DIGITAL LTD.

28/F, China Merchants Bureau Building

118 Jianguo Road

Chaoyang District, Beijing 100022

The People’s Republic of China

(Address of principal executive offices)

Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F.

Form 20-F  ☒            Form 40-F  ☐

Exhibit Index

Exhibit No.		Description
99.1		Yiren Digital Announces New $20 Million Share Repurchase Program

1

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

	Yiren Digital Ltd.
	By:	/s/ Ka Chun William Hui
		Name:	Ka Chun William Hui
		Title:	Chief Financial Officer

Date: July 2, 2026

2

Exhibit 99.1

Yiren Digital Announces New $20 Million Share Repurchase Program

BEIJING, July 2, 2026 /PRNewswire/ -- Yiren Digital Ltd. (NYSE: YRD) (“Yiren Digital” or the “Company”), a leading fintech company specializing in digital consumer lending, insurance and financial technology innovation across China and global markets, today announced that its board of directors has authorized a new share repurchase program, under which the Company may repurchase up to 10% of total issued and outstanding Ordinary Shares and/or American depositary shares (“ADSs”) for up to US$20 million over the next 12 months, effective as of the date hereof.

The Company’s proposed repurchases may be made from time to time in the open market at prevailing market prices, in privately negotiated transactions, in block trades and/or through other legally permissible means, including through Rule 10b5-1 trading plans, depending on market conditions and in accordance with applicable laws, rules and regulations. The timing and amount of repurchases, if any, will be subject to market conditions, trading price, trading volume and other factors. The Company’s board of directors will review the share repurchase program periodically and may authorize adjustments to its terms and size. The Company expects to fund the repurchases from its existing cash balance.

About Yiren Digital

Yiren Digital Ltd. is a leading fintech company specializing in digital consumer lending, insurance, and financial technology innovation across China and global markets. The Company leverages advanced artificial intelligence and emerging technologies to enhance customer experience, optimize capital efficiency, and expand financial inclusion. Following the regulatory filing of its in-house developed Large Language Model Zhiyu, and the significant enhancement of its MagiCube Agent platform, Yiren Digital is establishing a new growth engine to accelerate its evolution into an AI-native, multi-industry operating platform extending beyond traditional financial services. For more information, please visit https://ir.yiren.com.

Safe Harbor Statement

This press release contains forward-looking statements. These statements are made under the “safe harbor” provisions of the U.S. Private Securities Litigation Reform Act of 1995. These forward-looking statements can be identified by terminology such as “aim,” “anticipate,” “believe,” “estimate,” “expect,” “hope,” “going forward,” “intend,” “ought to,” “plan,” “project,” “potential,” “seek,” “may,” “might,” “can,” “could,” “will,” “would,” “shall,” “should,” “is likely to” and the negative form of these words and other similar expressions. This press release contains forward-looking statements within the meaning of Section 21E of the Securities Exchange Act of 1934, as amended, and as defined in the U.S. Private Securities Litigation Reform Act of 1995. These statements can be identified by terminology such as “will,” “expects,” “anticipates,” “future,” “intends,” “plans,” “believes,” “estimates,” “target,” “confident,” and similar expressions. Forward-looking statements are based on management’s current expectations, assumptions, and assessments of current market and operating conditions. These statements involve inherent risks, uncertainties, and other factors, many of which are outside the control of the Company, and which could cause actual results to differ materially from those expressed or implied in such statements. Actual results may differ materially from those expressed or implied in forward-looking statements due to a variety of factors and other risks described in the Company’s filings with the U.S. Securities and Exchange Commission. All forward-looking statements speak only as of the date of this press release. The Company undertakes no, and expressly disclaims any, obligation to update or revise any forward-looking statements, whether as a result of new information, future events, or otherwise, except as required under applicable law.

CONTACT: Media Inquiry, Email: pr@creditease.cn; Investor Relations, Email: ir@yiren.com; Piacente Financial Communications, Email: yrd@thepiacentegroup.com

Filing Exhibits & Attachments

1 document

Press Releases

• EX-99.1 YIREN DIGITAL ANNOUNCES NEW $20 MILLION SHARE REPURCHASE PROGRAM 6.2 KB