Yiren Digital Ltd.
Yiren Digital Ltd. (NYSE: YRD) is trading at $1.00, about ₹96 at today's USD/INR rate, as of 29 Sep 2026, 3:59 PM ET, up 2.34% today. Indian residents can buy Yiren Digital from India on Paasa under the RBI's Liberalised Remittance Scheme.
Quote
Today's low
$0.93
Today's high
$1.00
52 week low
$0.82
52 week high
$6.79
YRD opened at $0.95, closed previously at $0.98, and has traded between $0.82 and $6.79 over the past 52 weeks.
About
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.
Key statistics
Avg. volume
765.70K
Market cap
$86.87M
P/E Ratio
-0.29
Price-to-sales ratio
0.11
Enterprise value
-CN¥1.05B
Free cash flow yield
30.19%
Debt-to-equity ratio
0.00
Return on equity
0.43%
ROIC
-12.73%
Beta
1.14
Dividend yield
44.04%
Last dividend
$0.44
Financial overview
Revenue
CN¥5.57B
Earnings per share
CN¥0.90
Free cash flow
CN¥677.88M
Net profit margin
-13.52%
Gross margin
84.97%
EBITDA
-CN¥44.31M
Revenue growth
-4.03%
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This is not an investment recommendation
How to buy Yiren Digital from India
Indian residents can buy Yiren Digital shares through Paasa in four steps. Funds leave India under the RBI's Liberalised Remittance Scheme and the shares are held in your own name with Interactive Brokers.
Open a Paasa account
Complete digital KYC with your PAN, Aadhaar and address proof. Your brokerage account is opened in your own name with Interactive Brokers.
Add funds under LRS
Transfer INR from your Indian bank account. Your bank reports the remittance under the RBI's Liberalised Remittance Scheme and converts it to US dollars.
Search for Yiren Digital and place an order
Find Yiren Digital by name or by its ticker, YRD, and choose an order type. You can buy by amount or by quantity — fractional shares mean there is no minimum trade size. Yiren Digital trades 7:00 pm – 1:30 am IST; orders can only execute during that window.
Track holdings and download tax reports
Follow your Yiren Digital position in USD and INR, and use Paasa's capital-gains and dividend statements when you file your Indian return.
Read the full guide: how to invest in Yiren Digital from India
Trading and taxes when buying Yiren Digital from India
Trading and limits
- Trading hours
- 9:30 am – 4:00 pm ET
- LRS limit
- $250,000Per financial year, under the RBI's Liberalised Remittance Scheme.
Tax for Indian residents
- TCS on remittance
- 20%Collected by your bank on LRS remittances above ₹10 lakh in a financial year. The TCS is adjustable against your income-tax liability.Adjusting TCS against your tax
- Capital gains in India
- 12.5% or slab rateGains on shares held for more than 24 months are long-term and taxed at 12.5%. Gains on shares held for 24 months or less are short-term and taxed at your income-tax slab rate.Capital gains explained
- Dividends
- Slab rateDividends are taxed at your slab rate in India. Yiren Digital’s current yield is 44.04%.Dividend tax explained
Custody. Shares are held in your own name at Interactive Brokers LLC and are SIPC-insured up to $500,000 in total, including $250,000 for cash.
FAQs
Can Indian residents buy Yiren Digital stock?
Yes. Yiren Digital (YRD) has been listed on the New York Stock Exchange since 2015, in the Financial - Credit Services industry, and Indian residents can buy it through Paasa. You fund the account from your Indian bank under the RBI's Liberalised Remittance Scheme and the money is converted to US dollars. Shares are held in your own name at Interactive Brokers LLC and are SIPC-insured up to $500,000 in total, including $250,000 for cash.
How much does one Yiren Digital share cost in rupees?
One Yiren Digital share is $1.00 — about ₹96 at a USD/INR rate of 96.06 on 29 Sep 2026. Both the Yiren Digital price and the rupee rate move during the day, so the rupee cost changes with them.
What are the LRS and TCS rules for buying Yiren Digital from India?
Remit up to $250,000 per financial year under the RBI's Liberalised Remittance Scheme (LRS). Banks collect 20% tax at source on LRS remittances above ₹10 lakh in a financial year; the TCS is adjustable against your income-tax liability. FX and the LRS declaration are handled by your bank when you fund your account.
Can I buy whole shares of Yiren Digital?
Yes. One Yiren Digital share is $1.00, and you can buy as many whole shares as you like. You can also buy by amount rather than by quantity: there is no minimum trade size, and Paasa supports fractional investing in Yiren Digital.
How are gains on Yiren Digital shares taxed in India?
The US does not levy capital gains tax on shares for Indian residents, so the tax is an India-side one. Gains on shares held for more than 24 months are long-term and taxed at 12.5%. Gains on shares held for 24 months or less are short-term and taxed at your income-tax slab rate. The gain is computed in rupees using the USD/INR rate on the purchase and the sale date, so the rupee move counts alongside the Yiren Digital price. Paasa issues a capital-gains statement for your return.
Does Yiren Digital pay a dividend, and how is it taxed in India?
Yes. Yiren Digital pays a dividend and the current yield is 44.04%; the last declared dividend was $0.44 per share, about ₹42.27. Dividends are taxed at your slab rate in India. Paasa's dividend report lists the gross dividend and any tax withheld for each payment.
When can I trade Yiren Digital from India?
The New York Stock Exchange trades 7:00 pm – 1:30 am IST in Indian time, so the close lands after midnight. The window shifts to 8:00 pm – 2:30 am IST when the US is on standard time. Orders can only execute during that window.
Is Yiren Digital a United States company, and does that change how it is taxed?
Yiren Digital trades on the New York Stock Exchange in US dollars, but the company is domiciled in China. Yiren Digital trades as an American Depositary Receipt rather than an ordinary share. Some non-US companies list in the US through American Depositary Receipts, which can carry dividend withholding at the company's home-country rate. Your India-side capital-gains treatment is the same either way.
Do I have to declare Yiren Digital shares in my Indian tax return?
Yes. Foreign shares held on 31 March must be reported in Schedule FA of your Indian income-tax return. Paasa gives you a Schedule FA-ready statement listing your Yiren Digital holding, its cost and its closing value.
How do I sell Yiren Digital and bring the money back to India?
You sell during market hours (7:00 pm – 1:30 am IST) and the proceeds settle in USD in your Paasa account. From there you can hold the balance, reinvest, or repatriate. Funds can be withdrawn in any currency to any bank account in your own name. Whether the sale is short- or long-term is decided by the 24-month holding period.