Yiren Digital Ltd.
Yiren Digital Ltd. is a Cayman Islands holding company whose American depositary shares have traded on the New York Stock Exchange under the ticker symbol YRD since December 18, 2015, at a ratio of one ADS to two ordinary shares. The company was originally listed as Yirendai Ltd. and adopted its current name after shareholders approved the change at an extraordinary general meeting held on September 30, 2019. Zavia’s on-file registry data records the company’s country as China; this reflects the location of its operating subsidiaries and consolidated variable interest entities in Beijing, not its place of incorporation. As stated in its Form 20-F annual reports filed with the U.S. Securities and Exchange Commission, Yiren Digital Ltd. is not itself an operating company but a Cayman Islands holding company, with its business carried out through PRC-based subsidiaries and VIE arrangements; no separate Cayman Islands registration number is available on file.
The company began as an online peer-to-peer consumer lending marketplace spun off from CreditEase. Following regulatory changes affecting China’s online lending sector between 2018 and 2020, it moved away from P2P lending and, according to its most recent Form 20-F, now operates three principal business lines: Yiren Credit, which facilitates loan products for individual borrowers and small-business owners funded by licensed financial institutions; Yiren Select, a wealth-management and lifestyle-services platform for mass-affluent clients, rebranded from Yiren Wealth in the second half of 2022; and insurance brokerage, carried out since May 2020 through its Hexiang Insurance Brokers subsidiary. Since late 2022 the group has also been expanding financial-services operations in the Philippines.
For fiscal year 2025, Yiren Digital Ltd. reported consolidated net revenue of RMB5,719.2 million, down 1% from 2024, with total loans facilitated of RMB67.8 billion, an increase of 26% year on year, according to the company’s results announcement dated March 19, 2026.
- Company fundamentals
- Corporate linkage & group structures
- Digitized company financials
- Firmographics — websites, social profiles, revenue and employee estimates
Shareholders
5
Shareholders of Yiren Digital Ltd.
Yiren Digital Ltd. is a foreign private issuer on the New York Stock Exchange, and its Form 20-F annual reports and related filings with the U.S. Securities and Exchange Commission disclose its controlling shareholder and major beneficial owners rather than a complete shareholder register. Its controlling shareholder is CreditEase Holdings (Cayman) Limited. Investment vehicles historically associated with IDG, KPCB China and Morgan Stanley Private Equity Asia have been reported as investors in CreditEase Holdings (Cayman) Limited, though their current individual stakes are not disclosed in the filings reviewed. As of December 31, 2025, Yiren Digital Ltd. had 174,680,826 ordinary shares issued and outstanding.
Ultimate beneficial ownership
Mr. Ning Tang, Yiren Digital Ltd.’s Executive Chairman and Chief Executive Officer, is the company’s disclosed ultimate beneficial owner, holding his interest indirectly through CreditEase Holdings (Cayman) Limited. Prior to June 2026, the company reported Mr. Tang’s indirect beneficial ownership at approximately 35.6% of Yiren Digital Ltd.’s total issued and outstanding ordinary shares. Following a restructuring of the controlling shareholder completed on June 5, 2026 and announced by the company on June 8, 2026, Mr. Tang acquired the entire equity interest in CreditEase Holdings (Cayman) Limited, increasing his indirect beneficial ownership of Yiren Digital Ltd. to approximately 82.0% of total issued and outstanding ordinary shares. This percentage is reported directly by the company in its official announcement rather than calculated by Zavia. The company stated that the restructuring related solely to the ownership of the controlling shareholder and did not change Yiren Digital Ltd.’s day-to-day operations, management, business strategy or corporate governance.
Data availability
Shareholder disclosure for Yiren Digital Ltd. is Major shareholders only: as a foreign private issuer, the company discloses its controlling shareholder and holders of significant stakes in SEC filings and official announcements, but does not publish a complete register of all shareholders. Percentages below the applicable reporting threshold are not disclosed and are not treated as zero.
Sources
- U.S. Securities and Exchange Commission, EDGAR — Yiren Digital Ltd. Form 20-F, fiscal year 2025, filed April 29, 2026: https://www.sec.gov/Archives/edgar/data/0001631761/000121390026049159/ea0287206-20f_yirendigi.htm (retrieved September 18, 2026)
- PR Newswire, official company announcement, June 8, 2026: https://www.prnewswire.com/news-releases/yiren-digital-announces-increase-in-beneficial-ownership-by-mr-ning-tang-following-controlling-shareholder-restructuring-302793748.html (retrieved September 18, 2026)
Registry feed — rows exactly as filed with SAMR — public search via GSXT (National Enterprise Credit Information Publicity System), including entries the profile above does not cover.
| Shareholder | Type | Holding | Source Document |
|---|---|---|---|
| Dimensional Fund Advisors LP | 19.7% | SAMR — public search via GSXT (National Enterprise Credit Information Publicity System) | |
| Morgan Stanley | 5.5% | SAMR — public search via GSXT (National Enterprise Credit Information Publicity System) | |
| Trexquant Investment, LP | 1.3% | SAMR — public search via GSXT (National Enterprise Credit Information Publicity System) | |
| GSA Capital Partners LLP | 1% | SAMR — public search via GSXT (National Enterprise Credit Information Publicity System) | |
| PUBLIC EMPLOYEES RETIREMENT SYSTEM OF OHIO | 0.9% | SAMR — public search via GSXT (National Enterprise Credit Information Publicity System) |
Officers
10
Directors and officers of Yiren Digital Ltd.
Yiren Digital Ltd.’s board currently comprises seven directors: Executive Chairman and Chief Executive Officer Ning Tang, and directors Tina Ju, Sam Hanhui Sun, Jingsheng Huang, Hiu Fung Vincent Pang, Hao Li and Shuo Zheng, the last four of whom serve as independent directors, according to the company’s investor relations disclosures. Ms. Ju has served as a director since January 2015 and is the founding managing partner of KPCB China and TDF Capital. Mr. Sun and Mr. Huang have each served as directors since December 17, 2015, with Mr. Huang also serving as Senior Advisor to CreditEase on impact and private-equity investment since January 1, 2020. Executive management also includes Chief Financial Officer Ka Chun William Hui, appointed effective June 30, 2025, and Chief Human Resources Officer Bin Yang. No resignation or termination dates are recorded for any of the individuals listed above in the sources reviewed, and all are treated as active. This information reflects the company’s investor relations pages and SEC filings as retrieved on September 18, 2026, and may not capture appointments or departures announced after that date.
Recent officer changes
Mr. Ka Chun William Hui was appointed Chief Financial Officer of Yiren Digital Ltd. effective June 30, 2025, according to the company’s official announcement, succeeding the previous incumbent in that role.
Data availability
Officer information for Yiren Digital Ltd. is Full for its current board and named executive officers, sourced from the company’s SEC filings and investor relations website; historical appointment and resignation dates for all past officers are not fully catalogued in the sources reviewed. As a Cayman Islands company with PRC-based operations reporting to the SEC, nationality and country of residence for its directors and officers are not disclosed in the sources reviewed; this is reported as Not disclosed rather than inferred from names or addresses.
Sources
- Yiren Digital Ltd. investor relations, Board of Directors: https://ir.yiren.com/Board-of-Directors (retrieved September 18, 2026)
- Yiren Digital Ltd. investor relations, Management: https://ir.yiren.com/Management (retrieved September 18, 2026)
- U.S. Securities and Exchange Commission, EDGAR, Yiren Digital Ltd. Form 20-F, fiscal year 2025: https://www.sec.gov/Archives/edgar/data/0001631761/000121390026049159/ea0287206-20f_yirendigi.htm (retrieved September 18, 2026)
Registry feed — rows exactly as filed with SAMR — public search via GSXT (National Enterprise Credit Information Publicity System), including entries the profile above does not cover.
Group Structure
Group structure of Yiren Digital Ltd.
Yiren Digital Ltd. is not an independent company: its SEC filings identify CreditEase Holdings (Cayman) Limited as its parent company and controlling shareholder. Yiren Digital Ltd. is itself a Cayman Islands holding company; its Form 20-F filings state that it does not conduct operations directly but through PRC-incorporated subsidiaries and consolidated variable interest entities (VIEs), including entities operating the Yiren Credit and Yiren Select business lines and the Hexiang Insurance Brokers business acquired in May 2020. Following a restructuring completed on June 5, 2026, Mr. Ning Tang, the company’s Executive Chairman and Chief Executive Officer, became the sole beneficial owner of CreditEase Holdings (Cayman) Limited. No further ultimate parent above CreditEase Holdings (Cayman) Limited is identified in the sources reviewed. Ownership percentages for individual subsidiaries and VIEs are set out in Yiren Digital Ltd.’s Form 20-F filed April 29, 2026 for fiscal year 2025.
Verified corporate relationships
| Entity | Country | Registration number | Relationship | Ownership | Status | Information date |
|---|---|---|---|---|---|---|
| CreditEase Holdings (Cayman) Limited | Cayman Islands | Not disclosed | Controlling shareholder (immediate/ultimate parent) | Ownership percentage not disclosed; sole beneficial owner Ning Tang since June 5, 2026 | Active | June 8, 2026 |
| Hexiang Insurance Brokers | China | Not disclosed | Consolidated subsidiary/VIE | Ownership percentage not disclosed | Active | Fiscal year 2025 Form 20-F |
Recent structural changes
On June 5, 2026, CreditEase Holdings (Cayman) Limited underwent an internal ownership restructuring after which Mr. Ning Tang became its sole beneficial owner; the company stated this did not change Yiren Digital Ltd.’s own operations, management or governance. In May 2020, the group launched its insurance-brokerage business through Hexiang Insurance Brokers. In the second half of 2022, the Yiren Wealth business was rebranded as Yiren Select.
Data availability
Group-structure information for Yiren Digital Ltd. is Parent only: its controlling shareholder is clearly identified in SEC filings and official announcements, but a complete list of subsidiaries and VIEs with individual ownership percentages beyond those named in its Form 20-F is not available in the sources reviewed.
Sources
- U.S. Securities and Exchange Commission, EDGAR, Yiren Digital Ltd. Form 20-F, fiscal year 2025, filed April 29, 2026: https://www.sec.gov/Archives/edgar/data/0001631761/000121390026049159/ea0287206-20f_yirendigi.htm (retrieved September 18, 2026)
- PR Newswire, official company announcement, June 8, 2026: https://www.prnewswire.com/news-releases/yiren-digital-announces-increase-in-beneficial-ownership-by-mr-ning-tang-following-controlling-shareholder-restructuring-302793748.html (retrieved September 18, 2026)
Get complete shareholder and officer records, ultimate beneficial owner resolution, and ongoing ownership monitoring.
Frequently Asked Questions
What is the legal name of the company on file as Yiren Digital Ltd.?
The company's current legal name is Yiren Digital Ltd. It was previously named Yirendai Ltd. and changed its name after shareholders approved the change at an extraordinary general meeting held on September 30, 2019.
Where is Yiren Digital Ltd. incorporated?
Yiren Digital Ltd. is incorporated in the Cayman Islands. Zavia's on-file record lists the company's country as China (CN); this reflects the location of its operating subsidiaries and consolidated variable interest entities in Beijing rather than the company's place of incorporation, which its SEC filings confirm is the Cayman Islands.
What is Yiren Digital Ltd.'s registration number?
No Cayman Islands company registration number is available on file for Yiren Digital Ltd. This information has not been located in the sources reviewed.
When was Yiren Digital Ltd. incorporated?
No incorporation date is available on file for Yiren Digital Ltd. Its predecessor, Yirendai Ltd., completed its NYSE initial public offering on December 18, 2015, but the exact date of incorporation has not been located in the sources reviewed.
What does Yiren Digital Ltd. do?
Yiren Digital Ltd. operates a diversified financial-services platform through PRC-based subsidiaries and VIEs, comprising loan facilitation for individual borrowers and small businesses (Yiren Credit), wealth-management and lifestyle services for mass-affluent clients (Yiren Select), and insurance brokerage through its Hexiang Insurance Brokers subsidiary.
Is Yiren Digital Ltd. still a peer-to-peer (P2P) lending company?
No. The company operated an online P2P lending marketplace when it listed on the NYSE in 2015, but it moved away from P2P lending following regulatory changes affecting China's online lending sector between 2018 and 2020, and its most recent Form 20-F describes a loan-facilitation, wealth-management and insurance-brokerage business model instead.
Is Yiren Digital Ltd. listed on a stock exchange?
Yes. Yiren Digital Ltd.'s American depositary shares trade on the New York Stock Exchange under the ticker symbol YRD, at a ratio of one ADS to two ordinary shares.
Who owns Yiren Digital Ltd.?
Yiren Digital Ltd.'s controlling shareholder is CreditEase Holdings (Cayman) Limited. Following a restructuring completed on June 5, 2026, Mr. Ning Tang, the company's Executive Chairman and Chief Executive Officer, became the sole beneficial owner of CreditEase Holdings (Cayman) Limited, giving him an indirect beneficial ownership of approximately 82.0% of Yiren Digital Ltd.'s total issued and outstanding ordinary shares, as reported by the company.
Who are the directors of Yiren Digital Ltd.?
The board comprises Executive Chairman Ning Tang and directors Tina Ju, Sam Hanhui Sun, Jingsheng Huang, Hiu Fung Vincent Pang, Hao Li and Shuo Zheng, according to the company's investor relations disclosures current as of September 18, 2026.
Who is the Chief Financial Officer of Yiren Digital Ltd.?
Mr. Ka Chun William Hui was appointed Chief Financial Officer of Yiren Digital Ltd. effective June 30, 2025.
What is the relationship between Yiren Digital Ltd. and CreditEase?
Yiren Digital Ltd. was originally spun off from CreditEase as an online lending marketplace, and CreditEase Holdings (Cayman) Limited remains its controlling shareholder, as confirmed in the company's SEC filings.
What was Yiren Digital Ltd.'s most recent reported financial performance?
For fiscal year 2025, the company reported consolidated net revenue of RMB5,719.2 million, down 1% from 2024, and total loans facilitated of RMB67.8 billion, up 26% year on year, according to its results announcement dated March 19, 2026.
Does Yiren Digital Ltd. have a VAT number or other tax identifiers on file?
No VAT number or equivalent tax identifier is available on file for Yiren Digital Ltd. in the sources reviewed.
What is Yiren Digital Ltd.'s official website?
The company's official investor relations website is http://ir.yiren.com/.