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Yiren Digital Ltd. · NYSE
Price: $1.43 · Annual div: $0.44/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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Year your monthly dividend income covers each expense (based on current settings)
$10,000 in YRD → $13.72M in 10 years · $343.55/month
Yiren Digital Ltd., through its subsidiaries, operates as an online consumer finance marketplace that connects borrowers and investors in the People's Republic of China. It provides loan facilitation services; and post-origination services, such as cash processing, collection, and SMS services. The company's loan products portfolio includes unsecured consumer loans; secured consumer loan, which include secured financial leasing, auto-secured, and property-secured loans; and small business loans. It also distributes short-term cash management, mutual fund investment, insurance, and securities and stock products. In addition, the company provides online investor education services, which include a range of investment and trading topics, and various types of training programs on wealth planning, market insights, and investment strategies; consultancy information technology support; referral; and IT, system maintenance, and customer support services. Further, it is involved in the provision of services for financing lease and insurance brokerage businesses. The company offers its products through www.yxpuhui.com, and a wealth management website and mobile application. As of December 31, 2020, it had 60 fixed income products, 810 mutual fund products, and 296 insurance products. The company was formerly known as Yirendai Ltd. and changed its name to Yiren Digital Ltd. in September 2019. Yiren Digital Ltd. was founded in 2012 and is based in Beijing, the People's Republic of China. Yiren Digital Ltd. is a subsidiary of Creditease Holdings (Cayman) Limited.
This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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Real after-tax yield depends on where you live and how you hold YRD.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 30.77% | 27.97% | $3,077 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 26.15% | 23.35% | $2,615 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 24.62% | 21.82% | $2,462 / yr |
| 🇬🇧 UK ISA | 0% | 30.77% | 27.97% | $3,077 / yr |
| 🇬🇧 UK Taxable | 8.75% | 28.08% | 25.28% | $2,808 / yr |
| 🇨🇦 TFSA | 0% | 30.77% | 27.97% | $3,077 / yr |
| 🇨🇦 CA Taxable | 25% | 23.08% | 20.28% | $2,308 / yr |
| 🇦🇺 Super (pension) | 15% | 26.15% | 23.35% | $2,615 / yr |
| 🇦🇺 AU Taxable | 30% | 21.54% | 18.74% | $2,154 / yr |
| 🇩🇪 DE Taxable | 26.375% | 22.65% | 19.85% | $2,265 / yr |
| 🇫🇷 FR Taxable | 30% | 21.54% | 18.74% | $2,154 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $0.44/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
YRD pays quarterly — 4 times per year. Next ex-div: TBD.
How YRD compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for YRD sourced from FMP /financial-growth endpoint — real data, not estimates.
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
| Insider | Title | Type | Date | Shares | Price | Total Value |
|---|---|---|---|---|---|---|
| J-Other | 2026-06-05 | 81,176,519 | — | — | ||
| Other | 2026-03-18 | 11,798 | — | — |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Revenue breakdown from latest annual report via FMP. Percentages may not sum to 100% due to rounding.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the YRD dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
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