YRD 10 Year Annualized Return and Average Annual Return

The YRD 10 year annualized return is -25.35% with dividends reinvested through 09/11/2026. Investors often use annualized return to compare long-term performance because it shows the average yearly compounded return over a full period rather than just the headline total gain.

This page shows YRD average annual return, total return, start and end dates, and the growth of a hypothetical $10,000 investment with dividends reinvested.

Quick links: Annualized Return Table  |  Performance Chart  |  FAQ
Growth of $10,000.00
With Dividends Reinvested Into YRD


Also see:
YRD stock yearly return 2016
YRD stock yearly return 2017
YRD stock yearly return 2018
YRD stock yearly return 2019
YRD stock yearly return 2020
YRD stock yearly return 2021
YRD stock yearly return 2022
YRD stock yearly return 2023
YRD stock yearly return 2024
YRD stock yearly return 2025
YRD YTD return
Compare YRD average annual return versus benchmarks:

S&P Average Annual Return
Dow Average Annual Return
Nasdaq 100 Average Annual Return
Russell 2000 Average Annual Return
Gold Average Annual Return
10 Year Treasury Average Annual Return
Start date: 09/13/2016
End date: 09/11/2026
Start price/share: $20.98
End price/share: $1.01
Starting shares: 476.64
Ending shares: 531.93
Dividends reinvested/share: $2.20
Total return: -94.63%
YRD Average Annual Return: -25.35%
Starting investment: $10,000.00
Ending investment: $537.40


YRD average annual return is presented with the assumption of reinvestments of any dividends on ex-date.
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. Co. 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 YRD average annual return 10 years is shown above.

The Average Annual Return on the YRD average annual return 10 years page and across the coverage universe of our site, is a measure of the annualized return over the past ten years (or specified start date) for a given investment (up to the end of prior trading session recorded). Arguably, choosing ten years for a measurement period is on the one hand completely arbitrary, but on the other hand provides a sufficiently long window to capture long-term trends.

Thus, researching Average Annual Returns is good practice for investors — whether YRD average annual return 10 years or other benchmarks/peers — and when doing so it is also important to factor in dividends, because a financial instrument's annualized return is more than just the change in price if that instrument pays a dividend or coupon. Our website aims to empower investors by performing the YRD average annual return calculation with any dividends reinvested as applicable (on ex-dates).
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Video: Don't Forget Dividends in Average Annual Return!
What has the average annual return been for YRD over the past ten years?
✔️Accepted answer: The ten year YRD average annual return has been -25.35% with dividends reinvested.

When you say 'with dividends reinvested' what does that mean?
✔️Accepted answer: That means that each time the stock goes ex-dividend, the average annual return calculation then factors in how that dividend amount could have been reinvested into more shares of YRD at the then-current price — often this is referred to as 'compounding' and is very important when considering average annual return over a long period like a full decade.

What start date was used in your YRD average annual return calculation?
✔️Accepted answer: The start date was 09/13/2016.

What end date was used in your YRD average annual return calculation?
✔️Accepted answer: The end date was 09/11/2026.

If I had invested $10,000 into YRD ten years ago, how much would I have today?
✔️Accepted answer: With dividends reinvested, as of 09/11/2026, you would have $537.40.

What does that work out to on a total return basis?
✔️Accepted answer: The YRD ten year total return ending 09/11/2026 works out to -94.63%.


Also see:
YRD stock yearly return 2016
YRD stock yearly return 2017
YRD stock yearly return 2018
YRD stock yearly return 2019
YRD stock yearly return 2020
YRD stock yearly return 2021
YRD stock yearly return 2022
YRD stock yearly return 2023
YRD stock yearly return 2024
YRD stock yearly return 2025
YRD YTD return
 

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