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YRD Dividend DRIP Calculator 2026
28.95% YieldFinancial ServicesYiren Digital Ltd. · NYSE
Price: $1.52 · Annual div: $0.44/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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🎯 When YRD pays your bills
Year your monthly dividend income covers each expense (based on current settings)
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$10,000 in YRD → $13.50M in 10 years · $317.90/month
About Yiren Digital Ltd. (YRD) — Dividend Analysis 2026
Yiren Digital Ltd., a subsidiary of Creditease Holdings (Cayman) Limited, operates as a leading online consumer finance marketplace connecting borrowers and investors across the People's Republic of China. Founded in Beijing in 2012 and previously known as Yirendai Ltd. until its name change in September 2019, the company's primary function involves facilitating loans. This includes not only the initial matching service but also comprehensive post-origination support, such as cash processing, debt collection, and communication management. Its diverse portfolio of loan products encompasses unsecured consumer credit, various secured consumer loans (including those collateralized by financial leases, automobiles, and real estate), and financing solutions tailored for small businesses. Beyond its lending activities, Yiren Digital also makes available a selection of financial investment products, such as short-term cash management tools, mutual funds, insurance policies, and securities. To further support its clientele, the company provides extensive online investor education services, covering a broad spectrum of investment and trading topics. It also offers specialized training programs focusing on wealth planning, market analysis, and strategic investment approaches. Additionally, Yiren Digital furnishes IT consultancy and support, referral services, system maintenance, and dedicated customer assistance. The firm also extends its operations into financial lease services and insurance brokerage. Customers can access Yiren Digital's offerings through its dedicated website, www.yxpuhui.com, alongside a specialized wealth management portal and a proprietary mobile application. As of December 31, 2020, the company showcased an impressive range of products, featuring 60 fixed income options, 810 mutual fund offerings, and 296 distinct insurance products.
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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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🌍 YRD Yield by Country & Account Type
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% | 28.95% | 26.15% | $2,895 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 24.61% | 21.81% | $2,461 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 23.16% | 20.36% | $2,316 / yr |
| 🇬🇧 UK ISA | 0% | 28.95% | 26.15% | $2,895 / yr |
| 🇬🇧 UK Taxable | 8.75% | 26.42% | 23.62% | $2,642 / yr |
| 🇨🇦 TFSA | 0% | 28.95% | 26.15% | $2,895 / yr |
| 🇨🇦 CA Taxable | 25% | 21.71% | 18.91% | $2,171 / yr |
| 🇦🇺 Super (pension) | 15% | 24.61% | 21.81% | $2,461 / yr |
| 🇦🇺 AU Taxable | 30% | 20.26% | 17.46% | $2,026 / yr |
| 🇩🇪 DE Taxable | 26.375% | 21.31% | 18.51% | $2,131 / yr |
| 🇫🇷 FR Taxable | 30% | 20.26% | 17.46% | $2,026 / 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.
🎯 YRD Income Goal & Break-Even
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 Dividend Payment Schedule
YRD pays quarterly — 4 times per year. Next ex-div: TBD.
📊 YRD vs Financial Services Benchmarks
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.
🏛️ YRD Insider Activity
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.
Financial Health Scores
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.
Geographic Revenue Breakdown
Where YRD earns its moneyRevenue 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 →
Yiren Digital Ltd. (YRD) is currently trading at $1.52, 79% below its 52-week high. The current dividend yield is 28.95% based on an annual payout of $0.44 per share.
YRD (Yiren Digital Ltd.) — 28.95% Dividend Yield Analysis
Yiren Digital Ltd. (YRD) is a financial services stock currently trading at $1.52 with a dividend yield of 28.95%. The company pays an annual dividend of $0.44 per share. The payout ratio of 50% suggests the dividend is well-covered by earnings.
- Above-average yield (28.95%) may signal elevated risk — verify sustainability.
Auto-generated from live market data. For educational purposes only — not financial advice.