YRD (Yiren Digital) EPS (Basic): $0.05 (TTM As of Dec. 2025)

What is Yiren Digital EPS (Basic)?

Yiren Digital YRD -2.65% 59 EPS (Basic) is $0.05 as of Dec. 2025. GuruFocus rates YRD with a GF Score™ of 59/100 and a GF Value™ of $5.67 (Significantly Undervalued). The stock has 4 warning signs investors should review.

Yiren Digital's basic earnings per share (Basic EPS) for the three months ended in Dec. 2025 was $-1.44. Its basic earnings per share (Basic EPS) for the trailing twelve months (TTM) ended in Dec. 2025 was $0.05.

Yiren Digital's EPS (Diluted) for the three months ended in Dec. 2025 was $-1.44. Its EPS (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $0.04.

Yiren Digital's EPS without NRI for the three months ended in Dec. 2025 was $-1.36. Its EPS without NRIearnings per share without non-recurring items for the trailing twelve months (TTM) ended in Dec. 2025 was -0.07.

During the past 12 months, Yiren Digital's average EPS without NRIGrowth Rate was -100.20% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the EPS without NRI Growth Rate using EPS without NRI data.

During the past 13 years, Yiren Digital's highest 3-Year average EPS without NRI Growth Rate was 335.30% per year. The lowest was -91.80% per year. And the median was 7.40% per year.

Yiren Digital (NYSE:YRD) EPS (Basic) Explanation

EPS is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.

Be Aware

Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.

If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.

Yiren Digital EPS (Basic) Related Terms

Yiren Digital EPS (Basic) Historical Data

* Premium members only.

The historical data trend for Yiren Digital's EPS (Basic) can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Yiren Digital EPS (Basic) Chart

Yiren Digital Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

EPS (Basic)

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1.92

1.96

3.30

2.51

0.09

Yiren Digital Quarterly Data
	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25
EPS (Basic)	Get a 7-Day Free Trial															0.53	0.40	0.58	0.51	-1.44

59GF Score

Yiren Digital Ltd YRD

EPS (Basic) is just one metric. See GF Score™, valuation, warning signs, and more.

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Yiren Digital EPS (Basic) Calculation

EPS (Basic) is a rough measurement of the amount of a company's profit that can be allocated to one share of its stock. Basic earnings per share (EPS) do not factor in the dilutive effects on convertible securities.

Yiren Digital's Basic EPS for the fiscal year that ended in Dec. 2025 is calculated as

Basic EPS (A: Dec. 2025 )	=	(Net Income	-	Preferred Dividends)	/	Shares Outstanding (Basic Average)
	=	(7.742	-	0)	/	86.788
	=	0.09

Yiren Digital's Basic EPS for the quarter that ended in Dec. 2025 is calculated as

Basic EPS (Q: Dec. 2025 )	=	(Net Income	-	Preferred Dividends)	/	Shares Outstanding (Basic Average)
	=	(-123.261	-	0)	/	87.199
	=	-1.41

EPS (Basic) for the trailing twelve months (TTM) ended in Dec. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.05

Frequently Asked Questions Learn more about EPS (Basic) →

What does a EPS (Basic) of $0.05 mean?

Yiren Digital (YRD) has a EPS (Basic) of $0.05 as of Dec. 2025. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on Yiren Digital and its competitors.

Is Yiren Digital's EPS (Basic) too high?

Yiren Digital's current EPS (Basic) is $0.05. Overall, Yiren Digital has a GF Score™ of 59/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.

How does Yiren Digital's EPS (Basic) compare to SUIG and VRM?

Yiren Digital's EPS (Basic) of $0.05 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good EPS (Basic) for a Credit Services company?

A good EPS (Basic) depends on the Credit Services industry context. However, EPS (Basic) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high EPS (Basic) mean?

A high EPS (Basic) can signal that a stock is expensive relative to its fundamentals. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on Yiren Digital and its competitors. Yiren Digital's current EPS (Basic) is $0.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is Yiren Digital stock overvalued right now?

Based on GuruFocus' analysis, Yiren Digital (YRD) is currently considered Significantly Undervalued. The stock's GF Value™ is $5.67, compared to a current price of $1.10 — trading 80.6% below its estimated fair value. The current EPS (Basic) is $0.05. Yiren Digital's overall GF Score™ is 59/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is EPS (Basic) calculated?

EPS (Basic) is calculated from a company's financial statements. For Yiren Digital (YRD), the current EPS (Basic) is $0.05 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Yiren Digital (YRD) Overvalued in 2026?

Based on GuruFocus' analysis, Yiren Digital stock appears to be undervalued. The current stock price of $1.10 is trading 80.6% below its estimated GF Value™ of $5.67. GuruFocus considers Yiren Digital to be Significantly Undervalued.

Key valuation signals for YRD:

EPS (Basic): $0.05
GF Value™: $5.67 vs. price of $1.10 (80.6% below fair value)
GF Score™: 59/100 with 4 warning signs

No single metric tells the full story. See the YRD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Yiren Digital Business Description

Industry Financial Services Credit Services

Comparable Companies SUIG VRM FOA ANTA XYF PMTS CPSS JF AIJTY SPST V MA AXP COF BOM:500034 PYPL AFRM SYF NSE:SHRIRAMFIN SOFI

Other Exchanges YRD N:Mexico 19YA:Germany

Address 118 Jianguo Road, 28th Floor, China Merchants Bureau Building, Chaoyang District, Beijing, CHN, 100022

Website https://ir.yiren.com

Yiren Digital Ltd is an AI-powered platform providing a comprehensive suite of financial and lifestyle services in China. Its mission is to elevate customers' financial well-being and enhance their quality of life by delivering digital financial services, tailor-made insurance solutions, and premium lifestyle services. The company supports clients at various growth stages, addressing financing needs arising from consumption and production activities, while aiming to augment the overall well-being and security of individuals, families, and businesses.

59GF Score

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EPS (Basic) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$1.10

Price

$5.67

GF Value

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