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YOUXIN TECHNOLOGY LTD (NASDAQ: YAAS) is a China-based financial technology company operating under brands such as Ucredit and Renrendai. Founded in 2010, the firm provides consumer credit, inclusive finance, and wealth management services through digital platforms. As of September 19, 2025, the stock closed at $0.1090 per share, reflecting a 44.37 percent increase on heavy trading volume.
| Metric | Value |
|---|---|
| Share Price (2025-09-19) | $0.1090 |
| Day Change | +44.37 percent |
| Volume | 173,986,775 |
| Market Capitalization (intraday) | $2.707 million |
| 52-Week Range | $0.07 – $7.00 |
| Price/Sales (ttm) | 5.91 |
| Price/Book (mrq) | 1.02 |
Corporate Structure and Experience
YOUXIN employs over 10,001 staff across technology, risk management, customer service, and corporate functions. The company emphasizes technological innovation in its platforms, having secured a $130 million Series A funding round in 2014, which was reported as the largest in China’s internet finance sector at that time. Recognition by KPMG in 2016 as one of China’s Top 50 Financial Technology firms and the attainment of unicorn status under the Renrendai brand are noted markers of its industry presence.
Fintech by Blake Wisz
Developments and News
On September 9, 2025, YOUXIN filed a Form 6-K disclosing an underwriting agreement for 21,428,571 units at $0.28 per unit. Each unit comprises one Class A ordinary share, one Series A warrant, and one Series B warrant. The offering closed on September 8, 2025, generating approximately $5.0 million in net proceeds for corporate and working capital purposes. Earlier, on September 5, 2025, the underwriter exercised its over-allotment option to purchase an additional 3,214,286 Series A and Series B warrants.
Ownership disclosures filed on September 11 and September 12, 2025, via Schedule 13G statements reveal that both S.H.N. Financial Investments Ltd. and L1 Capital Global Opportunities Master Fund, Ltd. each hold 4,638,200 shares (9.99 percent of Class A shares). Collectively, insiders control 65 percent of outstanding shares, with the top five shareholders owning approximately 52 percent.
Financial and Strategic Analysis
YOUXIN’s trailing twelve-month revenue stands at $581,860, while net income attributable to common shareholders is a loss of $2.09 million, resulting in a diluted EPS of –$0.06. The balance sheet shows $4.62 million in cash against a debt-to-equity ratio of 14.89 percent. Levered free cash flow is reported at –$1.72 million.
Strategically, the September offering and accompanying warrants aim to enhance liquidity and fund platform development. The Series A warrant exercise price reset provision may provide additional capital inflows if share prices increase. High insider ownership may create alignment between management and shareholders but also contributes to limited institutional participation, as many institutional investors may avoid low-liquidity microcap stocks.
Market Position and Industry Context
YOUXIN operates in China’s competitive fintech sector, where regulatory changes and consumer credit demand influence growth and risk. The stock’s 52-week range of $0.07 to $7.00 indicates price volatility, particularly outside of high-volume trading days. Currently, there is no analyst coverage, which suggests that the company may not be on the radar of institutional investors. Its technological focus and history of securing substantial funding place it among established domestic fintech competitors, although continued capital raises suggest ongoing funding needs to foster growth.
tl;dr
On September 8, 2025, YOUXIN completed a public offering of 21.4 million units at $0.28 each, raising $5.0 million net. The underwriter exercised over-allotment on September 5, generating additional warrants. Insider ownership stands at 65 percent, with major stakes held by S.H.N. Financial and L1 Capital (9.99 percent each). Shares increased 44.37 percent to $0.1090 on September 19, 2025, while the trailing twelve-month revenue is reported at under $600,000 and the net loss exceeds $2 million. Future outlook depends on warrant exercises, platform growth, and liquidity improvements.
