Ning Tang - Yirendai Chairman

YRD Stock  USD 5.02  0.05  1.01%   

Chairman

Mr. Ning Tang is Executive Chairman of the Board, Chief Executive Officer of the Company. He is also the founder of our parent company, CreditEase, and has served as the chairman of the board of directors and chief executive officer of CreditEase since its inception in 2006. In December 2014, Mr. Tang was elected to be the chairman of the Beijing P2P Association, founded by CreditEase together with approximately 30 member enterprises and the first association in the industry in China that is officially registered and overseen by regulators. In July 2011, Mr. Tang won the nomination of Leader of the Year in the Global Microfinance Achievement Awards 2011, initiated by the Londonbased C5 Group to recognize the efforts, innovations and services that ensure maximum business and social returns in the microfinance sector. Mr. Tang is also a member of the advisory board to the Ministry of Industry and Information Technology with respect to small and mediumsized enterprises related policies, and a director at the China Microfinance Institution Association. Prior to founding CreditEase, Mr. Tang served as the director of strategic investments and acquisitions at AsiaInfoLinkage, Inc., a leading provider of telecommunication software solutions and services in China then listed on NASDAQ, since July 2000. Prior to that, Mr. Tang served as an investment banker at Donaldson, Lufkin Jenrette, a U.S. investment bank now owned by Credit Suisse, since July 1998. Mr. Tang is an active angel investor and has made several successful investments in the education and training, financial services, human resources services, internet, technology and media industries since 2019.
Age 50
Tenure 5 years
Address China Merchants Bureau Building, Beijing, China, 100022
Phone86 10 5964 4552
Webhttps://www.yiren.com
Tang studied mathematics at Peking University and received his bachelor’s degree in economics, summa cum laude, from the University of the South in Sewanee, Tennessee. He is also a member of the Phi Beta Kappa Society.

Yirendai Management Efficiency

The company has Return on Asset of 0.1724 % which means that on every $100 spent on assets, it made $0.1724 of profit. This is way below average. In the same way, it shows a return on shareholders' equity (ROE) of 0.2947 %, implying that it generated $0.2947 on every 100 dollars invested. Yirendai's management efficiency ratios could be used to measure how well Yirendai manages its routine affairs as well as how well it operates its assets and liabilities. The current year's Return On Tangible Assets is expected to grow to 0.21. The current year's Return On Capital Employed is expected to grow to 0.31. At present, Yirendai's Other Assets are projected to increase significantly based on the last few years of reporting. The current year's Other Current Assets is expected to grow to about 1.5 B, whereas Non Current Assets Total are forecasted to decline to about 593.3 M.
The company has 38.06 M in debt with debt to equity (D/E) ratio of 0.3, which may show that the company is not taking advantage of profits from borrowing. Yirendai has a current ratio of 4.74, demonstrating that it is liquid and is capable to disburse its financial commitments when the payables are due. Debt can assist Yirendai until it has trouble settling it off, either with new capital or with free cash flow. So, Yirendai's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like Yirendai sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Yirendai to invest in growth at high rates of return. When we think about Yirendai's use of debt, we should always consider it together with cash and equity.

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Yiren Digital Ltd., through its subsidiaries, operates as an online consumer finance marketplace that connects borrowers and investors in the Peoples Republic of China. Yiren Digital Ltd. is a subsidiary of Creditease Holdings Limited. Yirendai operates under Credit Services classification in the United States and is traded on New York Stock Exchange. It employs 3797 people. Yirendai (YRD) is traded on New York Stock Exchange in USA. It is located in China Merchants Bureau Building, Beijing, China, 100022 and employs 29 people. Yirendai is listed under Consumer Finance category by Fama And French industry classification.

Management Performance

Yirendai Leadership Team

Elected by the shareholders, the Yirendai's board of directors comprises two types of representatives: Yirendai inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Yirendai. The board's role is to monitor Yirendai's management team and ensure that shareholders' interests are well served. Yirendai's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Yirendai's outside directors are responsible for providing unbiased perspectives on the board's policies.
Ning Tang, Executive Chairman of the Board, Chief Executive Officer
Yihan Fang, CEO and General Manager
Jiangxu Xiang, Chief Technology Officer
Wei Song, Vice President - Product
Huan Chen, Chief Risk Officer, Director
Lydia Yu, Investor Officer
Dennis Cong, Director
Chunjiang Ji, Chief Risk Officer
Jingsheng Huang, Independent Director
Xiaojia Sun, General Counsel
Jia Liu, Co - Chief Financial Officer
Hui Li, Director Relations
Hao Li, Independent Director
Mei Zhao, Chief Credit
Sam Hanhui, Independent Director
Na Mei, Chief Financial Officer
Jike Chong, Chief Data Scientist
Bin Yang, Chief Officer
Quan Zhou, Director
Qing Li, Independent Director
Sam Sun, Independent Director
Tina Ju, Director
Cao Yang, Chief Operating Officer, Chief Technology Officer
Zhong Bi, Chief Financial Officer
Yiting Pan, Chief Risk Officer
Nian Duan, CTO
Chaomei Chen, Independent Director
Yu Cong, Co - Chief Financial Officer
George Liu, Chief Risk Officer

Yirendai Stock Performance Indicators

The ability to make a profit is the ultimate goal of any investor. But to identify the right stock is not an easy task. Is Yirendai a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.
Some investors attempt to determine whether the market's mood is bullish or bearish by monitoring changes in market sentiment. Unlike more traditional methods such as technical analysis, investor sentiment usually refers to the aggregate attitude towards Yirendai in the overall investment community. So, suppose investors can accurately measure the market's sentiment. In that case, they can use it for their benefit. For example, some tools to gauge market sentiment could be utilized using contrarian indexes, Yirendai's short interest history, or implied volatility extrapolated from Yirendai options trading.

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When determining whether Yirendai is a strong investment it is important to analyze Yirendai's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Yirendai's future performance. For an informed investment choice regarding Yirendai Stock, refer to the following important reports:
Check out Your Current Watchlist to better understand how to build diversified portfolios, which includes a position in Yirendai. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in metropolitan statistical area.
For information on how to trade Yirendai Stock refer to our How to Trade Yirendai Stock guide.
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Is Yirendai's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Yirendai. If investors know Yirendai will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Yirendai listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
0.194
Earnings Share
3.14
Revenue Per Share
55.396
Quarterly Revenue Growth
0.171
Return On Assets
0.1724
The market value of Yirendai is measured differently than its book value, which is the value of Yirendai that is recorded on the company's balance sheet. Investors also form their own opinion of Yirendai's value that differs from its market value or its book value, called intrinsic value, which is Yirendai's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Yirendai's market value can be influenced by many factors that don't directly affect Yirendai's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Yirendai's value and its price as these two are different measures arrived at by different means. Investors typically determine if Yirendai is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Yirendai's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.