YRD Earnings Prediction
The chart below shows how YRD performed 10 days before and after its earnings report, based on data from the past quarters. Typically, YRD sees a +3.60% change in stock price 10 days leading up to the earnings, and a -6.44% change 10 days following the report. On the earnings day itself, the stock moves by -5.27%. This data can give you a slight idea of what to expect for the next quarter's release.
YRD Key Earning Data
2024/Q4
Year Over Year
Quarter Over Quarter
Total Revenue
1.27B
19.50%
1.85%
Gross Margin
--
--
--
Operating Margin
26.65%
-59.06%
-23.99%
Net Margin
27.92%
-46.35%
-14.77%
EPS
2.02
-35.05%
-13.68%
No Data Available
YRD Earnings Analysis
Yiren Digital Ltd. Corporation (YRD.N) Earnings Conference Call
Positive
Total Revenue Increase: Our total revenue reached RMB 1.5 billion, up 13% year-over-year.
Loan Facilitation Growth: In the Financial Services segment, total loan facilitation continued to grow steadily reaching RMB 13.4 billion, up 36% year-over-year.
Loan Volume Increase: Our total loan volume reached RMB 13.4 billion, a 36% increase year-over-year.
Borrower Growth Stability: The number of borrowers remained relatively stable quarter-over-quarter at 115 million, a 24% growth compared to the same period last year.
Business Model Expansion: Our online business model is expanding from financial services to the insurance brokerage space.
Negative
Third Quarter Revenue Increase: The total revenue for the third quarter reached RMB 1.5 billion, up 13% year-over-year.
Net Income Decline: The net income for this quarter was RMB 355 million, decreased 36% year-over-year.
Premiums Decline Year-Over-Year: The gross written premiums for the insurance segment were RMB 85.5 million, down 68% year-over-year.
Sales and Marketing Expenses Rise: Sales and marketing expenses increased 71% year-over-year to RMB 336 million.
R&D Expense Increase: Research and development expense increased 287 year-over-year to RMB 151 million due to ongoing investment in AI enhancements.
YRD FAQs
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YRD Earning Call Sentiment
Yiren Digital Ltd. (YRD) Q3 2024 Earnings Call Transcript
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YRD.N
7.62%Positive
The earnings call presents a mixed picture. Positive aspects include a 13% revenue increase and strategic AI investments, while negative factors involve a 36% net income drop and regulatory impact on insurance. The Q&A session highlights competitive AI positioning but lacks clarity on loan volume slowdown and customer acquisition costs. With strong financial metrics but weak guidance and market uncertainties, the stock is likely to remain stable. The dividend and buyback program offer support, but the lack of specific guidance and high expenses temper enthusiasm, resulting in a neutral outlook.
