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Zacks Company Profile for Yirendai Ltd. (YRD : NYSE)

• Company Description    Yiren Digital Ltd. is an advanced, AI-powered platform providing a comprehensive suite of financial and lifestyle services in China. Number of Employees: 949

• Price / Volume Information    Yesterday's Closing Price: $4.33 Daily Weekly Monthly 20 Day Moving Average: 73,206 shares Shares Outstanding: 86.41 (millions) Market Capitalization: $374.14 (millions) Beta: 0.83 52 Week High: $8.74 52 Week Low: $4.15 Short Interest Ratio:   % Price Change % Price Change Relative to S&P 500 4 Week -10.72% -13.12% 12 Week -27.59% -29.12% Year To Date -9.79% -21.98%

• Address & Contact Information Street Address Phone / Fax Email Address Web URL 28/F China Merchants Bureau Building 118 Jianguo Road - Beijing,F4 100022 CHN ph: 86-10-5964-4552 fax: - ir@yirendai.com http://www.yiren.com

• General Corporate Information    Officers Ning Tang - Chairman and Chief Executive Officer Yuning Feng - Chief Financial Officer Sam Hanhui Sun - Director Hao Li - Director Shuo Zheng - Director Peer Information Yirendai Ltd. (BIZZ) Yirendai Ltd. (DCLK) Yirendai Ltd. (DGIN.) Yirendai Ltd. (DVW) Yirendai Ltd. (CYCHZ) Yirendai Ltd. (IFXC) Industry / Sector / Ticker Info Analyst Coverage: No Industry Group: INTERNET SERVICES Sector: Computer and Technology CUSIP: 98585L100 SIC: 6199 Fiscal Year Fiscal Year End: December Last Reported Quarter: 09/01/25 Next Expected EPS Date: 03/19/26 Share - Related Items Shares Outstanding: 86.41 Most Recent Split Date: (:1) Beta: 0.83 Market Capitalization: $374.14 (millions)

• EPS Information     • Dividend Information Analyst Coverage: No Dividend Yield: 9.24% Current Fiscal Quarter EPS Consensus Estimate: $ Indicated Annual Dividend: $0.40 Current Fiscal Year EPS Consensus Estimate: $ Payout Ratio: 0.20 Number of Estimates in the Fiscal Year Consensus: Change In Payout Ratio: 0.14 Estmated Long-Term EPS Growth Rate: % Last Dividend Paid: 09/30/2025 - $0.20 Next EPS Report Date: 03/19/26

• Fundamental Ratios P/E Current FY Estimate: - Trailing 12 Months: 2.18 PEG Ratio: - Price Ratios Price/Book: 0.26 Price/Cash Flow: 1.72 Price / Sales: 0.43 EPS Growth vs. Year Ago Period: -12.07% vs. Previous Quarter: -10.53% Sales Growth vs. Year Ago Period: 3.63% vs. Previous Quarter: -5.29% ROE 09/30/25 - 12.66 06/30/25 - 13.42 03/31/25 - 14.33 ROA 09/30/25 - 8.93 06/30/25 - 9.73 03/31/25 - 10.65 Current Ratio 09/30/25 - 3.00 06/30/25 - 3.13 03/31/25 - 3.68 Quick Ratio 09/30/25 - 3.00 06/30/25 - 3.13 03/31/25 - 3.68 Operating Margin 09/30/25 - 20.19 06/30/25 - 21.07 03/31/25 - 22.48 Net Margin 09/30/25 - 20.19 06/30/25 - 21.07 03/31/25 - 22.48 Pre-Tax Margin 09/30/25 - 22.41 06/30/25 - 23.14 03/31/25 - 24.98 Book Value 09/30/25 - 16.81 06/30/25 - 16.13 03/31/25 - 15.56 Inventory Turnover 09/30/25 - - 06/30/25 - - 03/31/25 - - Debt-to-Equity 09/30/25 - 0.00 06/30/25 - 0.00 03/31/25 - 0.00 Debt-to-Capital 09/30/25 - 0.09 06/30/25 - 0.00 03/31/25 - 0.00

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