What is Yiren Digital Ltd.'s Shariah compliance score?

Yiren Digital Ltd.'s (YRD) compliance score is being calculated. Check HalalScreener.app for the latest AAOIFI screening results.

Does Yiren Digital Ltd. pass AAOIFI screening?

Yiren Digital Ltd. (YRD) does not pass AAOIFI Shariah screening. AAOIFI requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30% (YRD: 45.0%), (3) interest-bearing deposits below 30% (YRD: 3085.2%), and (4) prohibited income below 5% (YRD: 1.4%). HalalScreener provides free AAOIFI screening for 10,000+ stocks at halalscreener.app.

How much purification is needed for Yiren Digital Ltd. stock?

Yiren Digital Ltd. (YRD) has a non-permissible income ratio of 1.38%. Muslim investors should purify this percentage of any dividends received and capital gains realized from YRD shares by donating it to charity. HalalScreener's purification calculator at halalscreener.app/en/purification automates this calculation using the latest financial data.

Where can I screen Yiren Digital Ltd. for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for Yiren Digital Ltd. (YRD) and 10,000+ other US-listed stocks, ETFs, and 100+ cryptocurrencies. The screening uses AAOIFI Standard No. 21 and shows all financial ratios transparently. No credit card or signup required for basic screening. HalalScreener also includes an AI Islamic Scholar for follow-up questions about YRD's compliance across different madhabs (Hanafi, Shafi'i, Maliki, Hanbali, Ja'fari).

YRD: Is Yiren Digital Ltd. Halal?

Yiren Digital Ltd.

NYSEFinancial ServicesCN

$1.25

+0.81%

Market Cap: 108.7M

Compliance Status

Not Halal

Screened on Jul 20, 2026 · AAOIFI Standard 21

Non-Compliant

0Score

Is Yiren Digital Ltd. (YRD) halal? Not Halal. Based on AAOIFI screening, Yiren Digital Ltd. passes the business activity screen but fails financial ratio screens with a compliance score of 0/100 (Grade: F).

AvoidBorderlineClean

Business activity

What the company sells is permissible.

Passed

Company debt

Over the limit

How much the company borrows, compared to its total value. AAOIFI allows up to 30%.

45.0% of 30.0% limit

What this means for you

Most scholars advise not holding YRD

It does not pass AAOIFI Shariah screening.

See halal alternatives from the same sector further down this page

About Yiren Digital Ltd.

Yiren Digital Ltd., a subsidiary of Creditease Holdings (Cayman) Limited, operates as a leading online consumer finance marketplace connecting borrowers and investors across the People's Republic of China. Founded in Beijing in 2012 and previously known as Yirendai Ltd. until its name change in September 2019, the company's primary function involves facilitating loans. This includes not only the initial matching service but also comprehensive post-origination support, such as cash processing, debt collection, and communication management. Its diverse portfolio of loan products encompasses unsecured consumer credit, various secured consumer loans (including those collateralized by financial leases, automobiles, and real estate), and financing solutions tailored for small businesses. Beyond its lending activities, Yiren Digital also makes available a selection of financial investment products, such as short-term cash management tools, mutual funds, insurance policies, and securities. To further support its clientele, the company provides extensive online investor education services, covering a broad spectrum of investment and trading topics. It also offers specialized training programs focusing on wealth planning, market analysis, and strategic investment approaches. Additionally, Yiren Digital furnishes IT consultancy and support, referral services, system maintenance, and dedicated customer assistance. The firm also extends its operations into financial lease services and insurance brokerage. Customers can access Yiren Digital's offerings through its dedicated website, www.yxpuhui.com, alongside a specialized wealth management portal and a proprietary mobile application. As of December 31, 2020, the company showcased an impressive range of products, featuring 60 fixed income options, 810 mutual fund offerings, and 296 distinct insurance products.

Sector: Financial Services · Industry: Financial - Credit Services

Shariah Compliance Status

AAOIFI Standard 21Updated Jul 20, 2026

Compliance History

Not Halal, unchanged since May 2026.

No status changes recorded since we began tracking.

Tracked since May 2026. Updates automatically on each re-screen.

Fiscal: FY 2025Data source: FMP

Halal Alternatives in Financial Services

This stock is not Shariah-compliant. Here are halal alternatives from the same sector, ranked by compliance score:

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Sprott Physical Silver Trust

$21.30

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PHYSA+

Sprott Physical Gold Trust

$31.75

+0.19%

ABA+

AllianceBernstein Holding L.P.

$36.03

-1.13%

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Free · No credit card required

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Frequently Asked Questions

Is Yiren Digital Ltd. (YRD) halal to invest in?

Yiren Digital Ltd. (YRD) is rated Not Halal under AAOIFI Standard 21 screening. It fails either the business activity screen (primary involvement in prohibited sectors such as conventional banking, alcohol, or gambling) or one of the quantitative financial ratio thresholds. Muslim investors should avoid or exit this position.

Why did Yiren Digital Ltd. get a F compliance rating?

Yiren Digital Ltd. (YRD) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 45.0% (limit 30%); interest-bearing deposits of 3085.2% (limit 30%); prohibited income of 1.38% (limit 5%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change Yiren Digital Ltd.'s Shariah verdict?

Yiren Digital Ltd.'s verdict is re-evaluated at each annual re-screen. Three events could change it: (1) the debt-to-market-cap ratio crossing 30%, typically from new debt issuance or a major drop in share price; (2) interest-bearing deposits exceeding 30% of market cap; or (3) prohibited revenue (alcohol, gambling, conventional finance, etc.) exceeding 5% of total revenue. Verdict flips are tracked in the compliance history section above.

How often is Yiren Digital Ltd. re-screened for Shariah compliance?

Yiren Digital Ltd. (YRD) is re-screened annually using the most recent full-year financial data from SEC filings. HalalScreener also triggers an on-demand re-screen whenever the stored data is more than 7 days old, ensuring the ratios reflect the latest available financial statements. Last screened: Jul 20, 2026.

Screened according to AAOIFI Standard No. 21 · For informational purposes only. Consult a qualified Islamic finance advisor before investing.

Disclaimer: This screening is for informational purposes only and does not constitute financial, legal, or religious advice. Compliance is evaluated using AAOIFI financial standards (debt, deposits, and prohibited income ratios) and publicly available data. Ethical, political, social, or environmental considerations are outside the scope of this screening. Individual scholars and methodologies may differ. Always consult a qualified Islamic finance advisor before making investment decisions.