宜人金科 - SPS ADR

YRD is the ticker symbol for Yiren Digital Ltd., a company whose American Depositary Shares (ADSs) trade on the New York Stock Exchange. Each ADS represents a specific number of underlying ordinary shares. YRD gives U.S. investors exposure to a China-based fintech business focused on digital financial services. For current details about the ADS ratio, corporate structure, and listing status, refer to YRD's latest filings and the stock data displayed on this page.

The current price of YRD stock changes continuously during market hours and can also be influenced by pre-market and after-hours trading. For the most up-to-date quote, including any intraday movement, please check the live price and related data displayed at the top of this YRD stock page. That figure reflects the latest available market information.

Volatility measures how widely YRD's price swings over a given period. As a smaller-cap, China-based financial services stock, YRD can experience larger percentage moves than broad market averages, especially around earnings, regulatory news, or shifts in Chinese economic policy. For actual volatility data, such as beta or historical price ranges, review the statistics and charts available on this YRD page rather than relying on general assumptions.

Valuation for YRD typically involves comparing its price to metrics such as earnings, revenue, book value, and cash flow, and weighing those against peers in financial services or Chinese ADRs. Because YRD operates in a complex regulatory environment, factors like loan quality, funding costs, and policy risk also matter. Use the valuation ratios and financial statements shown on this page or in YRD's filings for a data-driven assessment.

Dividend policies can change and are set by YRD's board of directors. Whether YRD pays a dividend, and at what rate or frequency, is best confirmed through the company's latest earnings releases, investor relations announcements, and the dividend information displayed on this page. Any dividend history or current yield shown there reflects the most recent data available for YRD.

Key risks for YRD include regulatory changes in China's fintech and lending sectors, credit risk from borrowers, competition, and general economic conditions affecting loan demand and asset quality. As a foreign private issuer listed via ADSs, YRD also carries governance and disclosure considerations, plus currency and geopolitical risks. These factors can influence earnings and share price, so review YRD's risk disclosures in its annual reports for a full picture.