Yiren Digital Ltd

YRD

Not Compliant
Exchange
Sector
Headquarters
Group
NYSE
Financials
China
Micro Cap

Yiren Digital Ltd is not Shariah Compliant because of its involvement in Consumer Lending (NEC) and related activities.

1.71%

Impure Income*

$0.010

Purification*

-

Zakat*

Financials

Market cap Group
Analysts' Rating
Price Target (Mean)
Total Analysts
Revenue Growth
Micro Cap
-0.80%
Operating Margin
Net Profit Margin
Quick Ratio
Current Ratio
EPS Growth
13.76%
0.46%
0.38
1.47

Shariah Compliance

  • Updated on September 22, 2026
Debt
✓
Non-Compliant Assets
100%
✗
Impure Income
1.71%
✓

AAOIFI Rulebook:

  • Non-compliant Liabilities (like Interest-based Debt) < 30% of Market cap
  • Non-compliant Assets (like Interest-based Investments) < 30% of Market cap
  • Impure Revenues (incl. Interest Income) < 5% of Total Revenues

Source: AAOIFI SS21

Debt
✓
Impure Income
1.71%
✓

S&P Sharia Rulebook:

  • Interest-based Debt < 33% of 36-mo avg. Market cap
  • Impure Revenues (incl. Interest Income) < 5% of Total Revenues

Source: S&P Shariah Methodology

Debt
✓
Impure Income
1.71%
✓

Dow Jones Islamic Market (DJIM) Rulebook:

  • Interest-based Debt < 33% of 24-mo avg. Market cap
  • Impure Revenues (incl. Interest Income) < 5% of Total Revenues

Source: DJIM Methodology

Debt
✓
Cash
24.93%
✓
Cash & AR
32.22%
✓
Impure Income
1.71%
✓

FTSE Shariah Rulebook:

  • Interest-based Debt < 33.33% of Total Assets
  • Cash and interest-bearing items < 33.33% of Total Assets
  • Accounts receivable and cash < 50% of Total Assets
  • Impure Revenues (incl. Interest Income) < 5% of Total Revenues

Source: FTSE RUSSELL

Debt
✓
Cash
24.93%
✓
Cash & AR
32.22%
✓
Impure Income
1.71%
✓

MSCI Islamic Rulebook:

  • Interest-based Debt < 33.33% of Total Assets
  • Cash and interest-bearing items < 33.33% of Total Assets
  • Accounts receivable and cash < 33.33% of Total Assets
  • Impure Revenues (incl. Interest Income) < 5% of Total Revenues

Source: MSCI Islamic Indexes

Impure Income Breakdown

-
-
Interest Income
1.71%

Note on Purification and Zakat:

  • Purification and Zakat (for long-term investing) calculations are in USD per share and based on AAOIFI methodology. AAOIFI requires purification every financial period (e.g. quarterly). 
  • If you follow S&P Shariah’s Dividend-only purification, then remove the impure income % from the dividends you receive. No purification required for non-dividend paying stocks, according to S&P Shariah.
  • For Zakat, if you did not invest in a company from a long term perspective, then consider the shares as trading goods and give 2.5% of the total value if a year has passed on them. 

Company Profile

Yiren Digital Ltd is a holding company mainly engaged in the operation of a digital personal financial management platform, and the provision of holistic wealth solutions, credit and financial solutions to individual borrowers and small business owners. The Company operates through three segments. The Yiren Wealth segment is engaged in the operation of a wealth solution platform for the mass affluent population and provides comprehensive wealth solutions. The Yiren Credit segment is engaged in the operation of a credit-tech platform that provides individual borrowers and small business owners with a full spectrum of online and offline, multi-channel loan products. The Others segment is engaged in the electronic commerce business that provides products such as skin care and beauty, electronics and appliances and allow users to finance purchases through loan products, while providing customized non-financial products and services. The Company is also engaged in the insurance business.

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