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Yirendai Earnings Calls
| Release date | Aug 20, 2026 |
| EPS estimate | $0.380 |
| EPS actual | - |
| Revenue estimate | 237.575M |
| Revenue actual | - |
| Expected change | +/- 12.70% |
| Release date | Jun 25, 2026 |
| EPS estimate | $0.380 |
| EPS actual | -$0.82 |
| EPS Surprise | -315.68% |
| Revenue estimate | 237.584M |
| Revenue actual | 134.786M |
| Revenue Surprise | -43.27% |
| Release date | Mar 19, 2026 |
| EPS estimate | - |
| EPS actual | -$1.44 |
| Revenue estimate | - |
| Revenue actual | 135.161M |
| Release date | Nov 25, 2025 |
| EPS estimate | - |
| EPS actual | $0.510 |
| Revenue estimate | - |
| Revenue actual | 218.395M |
Last 4 Quarters for Yirendai
Below you can see how YRD performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
| Release date | Nov 25, 2025 |
| Price on release | $4.25 |
| EPS estimate | - |
| EPS actual | $0.510 |
| Date | Price |
|---|---|
| Nov 19, 2025 | $4.78 |
| Nov 20, 2025 | $4.72 |
| Nov 21, 2025 | $4.59 |
| Nov 24, 2025 | $4.60 |
| Nov 25, 2025 | $4.25 |
| Nov 26, 2025 | $4.41 |
| Nov 28, 2025 | $4.50 |
| Dec 01, 2025 | $4.42 |
| Dec 02, 2025 | $4.46 |
| 4 days before | -11.09% |
| 4 days after | 4.94% |
| On release day | 3.76% |
| Change in period | -6.69% |
| Release date | Mar 19, 2026 |
| Price on release | $2.03 |
| EPS estimate | - |
| EPS actual | -$1.44 |
| Date | Price |
|---|---|
| Mar 13, 2026 | $3.53 |
| Mar 16, 2026 | $3.56 |
| Mar 17, 2026 | $3.56 |
| Mar 18, 2026 | $3.68 |
| Mar 19, 2026 | $2.03 |
| Mar 20, 2026 | $1.97 |
| Mar 23, 2026 | $1.83 |
| Mar 24, 2026 | $1.81 |
| Mar 25, 2026 | $1.81 |
| 4 days before | -42.49% |
| 4 days after | -10.84% |
| On release day | -2.96% |
| Change in period | -48.73% |
| Release date | Jun 25, 2026 |
| Price on release | $1.10 |
| EPS estimate | $0.380 |
| EPS actual | -$0.82 |
| EPS surprise | -315.68% |
| Date | Price |
|---|---|
| Jun 18, 2026 | $1.15 |
| Jun 22, 2026 | $1.14 |
| Jun 23, 2026 | $1.09 |
| Jun 24, 2026 | $1.13 |
| Jun 25, 2026 | $1.10 |
| Jun 26, 2026 | $1.11 |
| Jun 29, 2026 | $1.10 |
| Jun 30, 2026 | $0.84 |
| Jul 01, 2026 | $0.90 |
| 4 days before | -4.35% |
| 4 days after | -18.02% |
| On release day | 0.91% |
| Change in period | -21.58% |
| Release date | Aug 20, 2026 |
| Price on release | - |
| EPS estimate | $0.380 |
| EPS actual | - |
| Date | Price |
|---|---|
| Jul 27, 2026 | $1.18 |
| Jul 28, 2026 | $1.13 |
| Jul 29, 2026 | $1.07 |
| Jul 30, 2026 | $1.12 |
| Jul 31, 2026 | $1.11 |
Yirendai Earnings Call Transcript Summary of Q1 2026
Yiren Digital reported an operational inflection in Q1 2026 driven by improving credit trends and rapid execution of an AI-first strategy. Key operating highlights: credit solutions showed improving asset quality (early delinquency buckets and FPD30+ rates improved), a record 78% repeat-borrower ratio, and materially lower provisioning versus Q4 2025. Revenue was RMB 915.1 million (down 41% YoY) but only down 4% sequentially, reflecting stabilization and deferred revenue recognition from legacy risk-taking assets. The internet insurance business accelerated (internet insurance now 29% of insurance revenue, revenue +22% YoY; nearly 1 million policies issued in Q4 2026 with ~400k clients). Adjusted EBITDA loss narrowed significantly to CNY 337 million and net loss improved to CNY 494.7 million. Management emphasized ongoing investments in AI — launched MagiCube 2.0 (enterprise-grade multi-agent platform and governance hub ZhiNao), continued R&D, and incubation of AI-native startups in education and entertainment with staged warrant arrangements to increase ownership as milestones are met. Balance sheet liquidity remains solid (~CNY 3.3 billion including cash, restricted cash, and financial investments). Guidance and capital allocation remain cautious and disciplined: prioritize core fintech, selective AI investments, and preserve financial flexibility while pursuing long-term AI-driven, multi-industry expansion.
