Yiren Digital Ltd. American Depositary Shares, each representing two ordinary shares (YRD) Stock Analysis — Latest Investor Quotes & Trade Calls

"YRD: China consumer finance co, pivoted from P2P to institutional funding. Strong growth post-reg crackdown. Trades <0.5x P/B, <3x P/E. Main biz: loan facilitation (4% fee), guarantee services (new risk), insurance brokerage. Risks: competition, credit exposure, regulation. Conservative est: $320M annual profit vs $600M mkt cap. P/E <2x, P/B ~0.5x."