Yiren Digital(YRD)
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Yiren Digital(YRD) - 2020 Q1 - Earnings Call Transcript
2020-06-24 04:08
Yiren Digital Ltd. (NYSE:YRD) Q1 2020 Earnings Conference Call June 23, 2020 8:00 PM ET Company Participants Lydia Yu - Investor Relations Ning Tang - Founder, Chairman and CEO of CreditEase and CEO of Yiren Digital Zhong Bi - CFO of Yiren Digital Michael Ji - CRO of Yiren Digital Dennis Cong - Senior VP of the Capital Markets Conference Call Participants Operator Ladies and gentlemen, thank you for standing by, and welcome to the Yiren Digital First Quarter 2020 Earnings Conference Call. At this time, all ...
Yiren Digital(YRD) - 2019 Q4 - Annual Report
2020-05-15 20:03
Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 20-F (Mark One) o REGISTRATION STATEMENT PURSUANT TO SECTION 12(b) OR 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2019. OR o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to OR o SHELL COMPANY REPORT PURSUANT TO S ...
Yiren Digital(YRD) - 2019 Q4 - Earnings Call Transcript
2020-03-26 22:45
Yiren Digital Ltd. (NYSE:YRD) Q4 2019 Results Conference Call March 25, 2020 8:00 PM ET Company Participants Lydia Yu - Investor Relations Ning Tang - Founder, Chairman and CEO of CreditEase and CEO of Yiren Digital Zhong Bi - CFO of Yiren Digital Michael Ji - CRO of Yiren Digital Dennis Cong - Senior VP of the Capital Markets Conference Call Participants John Cai - Morgan Stanley Alex Ye - UBS Investment Bank Daphne Poon - Citigroup Inc Operator Ladies and gentlemen, thank you for standing by, and welcome ...
Yiren Digital(YRD) - 2019 Q4 - Earnings Call Presentation
2020-03-26 18:50
Company Overview - Yirendai is a leading FinTech company in China, operating the first lending mobile app at scale[8] - The company focuses on prime consumers and offers online wealth management for investors[7] - As of December 2018, Yirendai facilitated cumulative loan of RMB 1126 billion, served 15 million borrowers and 16 million investors[11] Market Opportunity - China's individual wealth management market is expected to increase from USD 19 trillion in 2015 to USD 34 trillion in 2020[22] - The unsecured consumer finance market in China is expected to reach USD 1885 billion in 2019[26] Financial Performance - In 2018, Yirendai facilitated RMB 41406 million in online loans and RMB 15884 million in referral loans[48,74] - The company's net revenue for 2018 was RMB 5621 million[74] - The adjusted EBITDA margin for 2018 was 438%[53,87] Risk Management - The cumulative M3+ Net Charge Off Rate for loans facilitated since 2015 was 140% as of December 31, 2018[65] - Yirendai utilizes an extensive data set and proprietary decisioning platform for credit risk assessment[34]
Yiren Digital(YRD) - 2019 Q3 - Earnings Call Transcript
2019-11-15 12:51
Yiren Digital Ltd. (NYSE:YRD) Q3 2019 Earnings Conference Call November 14, 2019 7:00 PM ET Company Participants Lydia Yu - IR Ning Tang - CEO, Yirendai, Founder, Chairman and CEO, CreditEase Dennis Cong - SVP of Corporate Business Development Conference Call Participants John Cai - Morgan Stanley Eddie Zhou - Credit Suisse Alex Ye - UBS Operator Ladies and gentlemen, thank you for standing by and welcome to Yiren Digital Third Quarter 2019 Earnings Conference Call. [Operator Instructions] I will now hand o ...
Yiren Digital(YRD) - 2019 Q2 - Earnings Call Transcript
2019-09-04 02:33
Yirendai Ltd. (NYSE:YRD) Q2 2019 Earnings Conference Call September 3, 2019 8:00 PM ET Company Participants Lydia Yu - IR Ning Tang - CEO Dennis Cong - SVP of Corporate Business Development Huan Chen - CRO Wei Wang - CEO, Yiren Credit Xiao Shang - CEO, Yiren Wealth Joanne Liu - CFO Conference Call Participants Joe Chu - Morgan Stanley Alex Ye - UBS Operator Ladies and gentlemen, thank you for standing by, and welcome to the Yirendai Second Quarter 2019 Earnings Conference Call. At this time, all participant ...
Yiren Digital(YRD) - 2019 Q1 - Earnings Call Transcript
2019-07-11 06:33
Yirendai Ltd (NYSE:YRD) Q1 2019 Earnings Conference Call July 10, 2019 8:00 PM ET Corporate Participants Lydia Yu - Investor Relations Ning Tang - Chief Executive Officer Dennis Cong - Chief Financial Officer Huan Chen - Chief Risk Officer Wei Wang - Chief Executive Officer, Yiren Credit Xiao Shang - Chief Executive Officer, Yiren Wealth Conference Call Participants John Cai - Morgan Stanley May Yan - UBS Stephanie Kwan - Citi Operator Ladies and gentlemen, thank you for standing by and welcome to Yirendai ...