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Founded by Ning Tang in March, 2012 and headquartered in Bejing, China, Yiren Digital Ltd (YRD) operates as an online consumer finance company.

It operates through in four business areas: (1) Financial Services; (2) Insurance Brokerage; (3) Consumption, Lifestyle; (4) Other.

Three key data points gauge YRD or any dividend paying entity, namely:

(1) Price

(2) Dividends

(3) Returns

Those keys also indicate if any company has made, is making, and will make money.

YRD Price

Yiren’s share price was down about 11% last year from$5.94 to $5.26 per Thursday’s market price.

One analyst covers the stock.

The single analyst one-year price target was $1.96. That $3.32 annual decrease, of course, could also stay flat, or increase, per market action.

Historically, Yiren Digital price grew 61% from 0.903 9/4/22 to $5.26 9/5/25. that is an $1.45 average increase per year over those three years.

YRD Dividends

Yiren Digital has paid variablesemi-annual dividends since October, 2024.

The current forward-looking annual dividend of $0.44 yields 8.33% as of Thursday’s share price.

YRD Returns

Putting it all together, a $1.66 estimated gross gain per share shows up when adding YRD’s annual $0.44 dividend to the historic-estimated $1.22 annual price gain.

A little under $1000 invested at Thursday’s $5.28 share price would buy 189 shares which, multiply the $1.66 estimated gross gain to $314.59 for the coming year.

About 26.5% of that $315 gain comes from the annual $83.30 dividend generated from your $1,000 investment.

Furthermore, the $83.30 annual dividend income from $1,000 invested is over 15.75 times greater than the recent $5.28 single-share price.

(A dividend dogcatcher rule is to only buy initial shares of a stock that pay an annual dividend from $1000 invested that is greater than the cost of a single share.)

15.75 is more than 1.

Therefore, you could choose to pounce on Yiren Digital with its dividend payout of about 15.75 times the single share-price.

The exact track of YRD’s future share price and dividends will entirely be determined by market action and company finances.

Remember the best way to track stock performance and dividend payments is through direct ownership of company shares.

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