Yiren Digital Ltd.(YRD)Earnings, Financials & Key Ratios
YRD•NYSE•Banking & Credit
8.6× P/E·Price updated Jun 19, 2026
AboutYiren Digital Ltd., through its subsidiaries, operates as an online consumer finance marketplace that connects borrowers and investors in the People's Republic of China. It provides loan facilitation services; and post-origination services, such as cash processing, collection, and SMS services. The company's loan products portfolio includes unsecured consumer loans; secured consumer loan, which include secured financial leasing, auto-secured, and property-secured loans; and small business loans. It also distributes short-term cash management, mutual fund investment, insurance, and securities and stock products. In addition, the company provides online investor education services, which include a range of investment and trading topics, and various types of training programs on wealth planning, market insights, and investment strategies; consultancy information technology support; referral; and IT, system maintenance, and customer support services. Further, it is involved in the provision of services for financing lease and insurance brokerage businesses. The company offers its products through www.yxpuhui.com, and a wealth management website and mobile application. As of December 31, 2020, it had 60 fixed income products, 810 mutual fund products, and 296 insurance products. The company was formerly known as Yirendai Ltd. and changed its name to Yiren Digital Ltd. in September 2019. Yiren Digital Ltd. was founded in 2012 and is based in Beijing, the People's Republic of China. Yiren Digital Ltd. is a subsidiary of Creditease Holdings (Cayman) Limited.Show more
- Net Interest Income$77M-27.4%
- Total Revenue$5.57B-4.0%
- Net Income$39M-97.5%
- Return on Equity0.42%-97.7%
- Net Interest Margin0.57%-30.0%
- Efficiency Ratio47.32%-16.1%
- ROA0.3%-97.8%
- Equity / Assets68.91%-6.3%
- Book Value per Share212.43+94.5%
YRD Key Insights
Yiren Digital Ltd. (YRD) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Company is almost debt free
- ✓Strong Piotroski F-Score: 7/9
- ✓Efficient operations: 47.3% efficiency ratio
- ✓Well capitalized: 68.9% equity/assets
- ✓Good 3Y average ROE of 15.9%
- ✓Share count reduced 50.0% through buybacks
✗Weaknesses
- ✗Weak NIM of 0.6%
- ✗Weak momentum: RS Rating 3 (bottom 3%)
- ✗Dividend payout exceeds 100% of earnings
- ✗Trading more than 30% below 52-week high
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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YRD Price & Volume
Yiren Digital Ltd. (YRD) stock price & volume — 10-year historical chart
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YRD Growth Metrics
Yiren Digital Ltd. (YRD) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years15.5%
5 Years7.06%
3 Years17.5%
TTM-
Profit CAGR
10 Years-17.66%
5 Years-
3 Years-67.93%
TTM-96.67%
EPS CAGR
10 Years-16.51%
5 Years-
3 Years-59.58%
TTM-152.02%
Return on Capital
10 Years19.76%
5 Years22.66%
3 Years22.35%
Last Year17.64%
YRD Recent Earnings
Yiren Digital Ltd. (YRD) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 1/12 qtrs (100%)●Beat Revenue 1/12 qtrs (100%)
Q2 2026Latest
Mar 19, 2026Metric
Actual
Est
EPS
$1.44
—
Rev
$135M
—
Q4 2025
Nov 25, 2025Metric
Actual
Est
EPS
$0.51
—
Rev
$218M
—
Q3 2025
Aug 21, 2025Metric
Actual
Est
EPS
$0.57
—
Rev
$234M
—
Q3 2025
Jun 12, 2025Metric
Actual
Est
EPS
$0.39
—
Rev
$213M
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Mar 19, 2026 | $1.44 | $135M |
| Q4 2025 | Nov 25, 2025 | $0.51 | $218M |
| Q3 2025 | Aug 21, 2025 | $0.57 | $234M |
| Q3 2025 | Jun 12, 2025 | $0.39 | $213M |
Based on last 12 quarters of dataView full earnings history →
YRD Peer Comparison
Yiren Digital Ltd. (YRD) competitors in Credit Servicing and Structured Finance — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 QFIN | 1.98B | 15.21 | 1.20 | 8.83% | 33.86% | 24.95% | 0.16 | |
 FINV | 1.18B | 4.67 | 3.38 | 1.03% | 18.75% | 6.05% | 0.08 | |
 LX | 337.33M | 2.00 | 1.48 | -9.94% | 11.52% | 14.68% | 0.40 | |
 JFIN | 209.42M | 4.01 | 6.52 | -85.08% | 24.72% | 37.66% | 0.16 | |
 NTES | 77.46B | 121.33 | 15.70 | 6.96% | 29.84% | 21.02% | 0.04 | |
 KC | 2.98B | 10.06 | -20.61 | 22.78% | -9.79% | -13% | 0.69 | |
 BABA | 249.84B | 107.06 | 16.45 | 2.74% | 10.12% | 9.35% | 0.23 | |
 JD | 37.81B | 27.57 | 14.45 | 12.97% | 1.5% | 6.52% | 0.36 |
Compare YRD vs Peers
Yiren Digital Ltd. (YRD) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
YRD Income Statement
Yiren Digital Ltd. (YRD) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 115.06M | 73.92M | 73.37M | 61.62M | -73.38M | 0 | 80.75M | 105.48M | 76.62M |
NII Growth % | 212.3% | -35.76% | -0.74% | -16.01% | -219.08% | 100% | - | 30.62% | -27.36% |
Net Interest Margin % | 1.53% | 0.52% | 0.76% | 0.92% | -0.95% | 0% | 0.79% | 0.81% | 0.57% |
Interest Income | 115.06M | 73.92M | 73.37M | 61.62M | 73.38M | 0 | 80.75M | 105.48M | 76.62M |
Interest Expense | 0 | 0 | 0 | 0 | 61.62M | 0 | 0 | 0 | 0 |
Loan Loss Provision | 1.24B | 1.06B | 665.08M | 1.1B | 699.24M | 776.84M | 976.17M | 882.96M | 790.16M |
Non-Interest Income | 11.53B | 11.17B | 8.54B | 3.9B | 4.4B | 3.43B | 4.81B | 5.7B | 5.5B |
Non-Interest Income % | 99.01% | 99.34% | 99.15% | 98.44% | 98.36% | 100% | 98.35% | 98.18% | 98.62% |
Total Revenue | 11.65B▲ 0% | 11.24B▼ 3.5% | 8.62B▼ 23.4% | 3.96B▼ 54.0% | 4.48B▲ 13.0% | 3.43B▼ 23.3% | 4.9B▲ 42.5% | 5.81B▲ 18.6% | 5.57B▼ 4.0% |
Revenue Growth % | 259.79% | -3.48% | -23.37% | -54.02% | 13.02% | -23.3% | 42.54% | 18.59% | -4.03% |
Non-Interest Expense | 10.37B | 9.41B | 6.82B | 2.91B | 2.43B | 1.19B | 1.32B | 3.28B | 2.64B |
Efficiency Ratio | 89.03% | 83.66% | 79.19% | 73.38% | 54.26% | 34.53% | 27.06% | 56.42% | 47.32% |
Operating Income | 35.32M▲ 0% | 776.15M▲ 2097.2% | 1.13B▲ 45.3% | -50M▼ 104.4% | 1.29B▲ 2674.7% | 1.47B▲ 14.3% | 2.59B▲ 76.3% | 1.65B▼ 36.5% | 2.15B▲ 30.3% |
Operating Margin % | 0.3% | 6.9% | 13.09% | -1.26% | 28.75% | 42.85% | 53% | 28.37% | 38.5% |
Operating Income Growth % | -96.74% | 2097.22% | 45.34% | -104.43% | 2674.72% | 14.33% | 76.29% | -36.52% | 30.25% |
Pretax Income | 193.14M▲ 0% | 1.77B▲ 818.6% | 1.39B▼ 21.4% | -773.36M▼ 155.4% | 1.2B▲ 255.6% | 1.5B▲ 24.3% | 2.65B▲ 76.9% | 1.86B▼ 29.6% | -56.91M▼ 103.1% |
Pretax Margin % | 1.66% | 15.78% | 16.19% | -19.52% | 26.87% | 43.54% | 54.04% | 32.07% | -1.02% |
Income Tax | 381.21M | 194.29M | 239.23M | -80.61M | 170.19M | 300.51M | 565.16M | 279.18M | -96.33M |
Effective Tax Rate % | 197.38% | 10.95% | 17.15% | 10.42% | 14.15% | 20.1% | 21.36% | 14.99% | 169.27% |
Net Income | -188.07M▲ 0% | 1.58B▲ 940.0% | 1.16B▼ 26.9% | -692.75M▼ 159.9% | 1.03B▲ 249.1% | 1.19B▲ 15.7% | 2.08B▲ 74.1% | 1.58B▼ 23.9% | 39.42M▼ 97.5% |
Net Margin % | -1.61% | 14.05% | 13.41% | -17.48% | 23.07% | 34.79% | 42.49% | 27.25% | 0.71% |
Net Income Growth % | -116.85% | 939.99% | -26.85% | -159.95% | 249.11% | 15.67% | 74.09% | -23.94% | -97.51% |
Net Income (Continuing) | -188.07M | 1.58B | 1.16B | -692.75M | 1.03B | 1.19B | 2.08B | 1.58B | 39.42M |
EPS (Diluted) | 22.19▲ 0% | 10.38▼ 53.2% | 12.39▲ 19.4% | -7.68▼ 162.0% | 12.11▲ 257.7% | 13.63▲ 12.6% | 23.28▲ 70.8% | 18.11▼ 22.2% | 0.90▼ 95.0% |
EPS Growth % | 18.22% | -53.22% | 19.36% | -161.99% | 257.68% | 12.55% | 70.8% | -22.21% | -95.03% |
EPS (Basic) | 22.62 | 10.49 | 12.48 | -7.68 | 12.22 | 13.68 | 23.54 | 18.27 | 0.90 |
Diluted Shares Outstanding | 61.81M | 93.14M | 93.27M | 90.15M | 85.3M | 85.3M | 89.34M | 87.36M | 43.67M |
YRD Balance Sheet
Yiren Digital Ltd. (YRD) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 2.82B | 3.44B | 3.66B | 2.65B | 3.04B | 5.24B | 6.31B | 4.27B | 3.87B |
Cash & Due from Banks | 1.86B | 2.61B | 3.2B | 2.47B | 2.86B | 4.27B | 5.79B | 3.84B | 3.87B |
Short Term Investments | 963.25M | 835.57M | 460.99M | 175.51M | 177.36M | 972.74M | 514.14M | 430.62M | 4.47M |
Total Investments | 973.2M | 1.38B | 467.62M | 178.8M | 179.56M | 975.44M | 524.56M | 446.44M | 1.23B |
Investments Growth % | -22.57% | 42.09% | -66.18% | -61.76% | 0.42% | 443.24% | -46.22% | -14.89% | 175.55% |
Long-Term Investments | 9.94M | 547.23M | 6.63M | 3.29M | 2.2M | 2.7M | 10.42M | 15.83M | 1.23B |
Accounts Receivables | 21.37M | -493.92M | 3.4M | 122.74M | 305.02M | 221M | 499.03M | 566.54M | 826.14M |
Goodwill & Intangibles | 0 | 0 | 0 | 0 | 0 | 33.27M | 37.77M | 38.56M | 396.3M |
Goodwill | 0 | 0 | 0 | 0 | 0 | 4.78M | 4.78M | 4.78M | 0 |
Intangible Assets | 0 | 0 | 0 | 0 | 0 | 28.49M | 32.99M | 33.78M | 396.3M |
PP&E (Net) | 82.25M | 266M | 529.99M | 252.87M | 183.3M | 82.67M | 69.55M | 84.59M | 87.79M |
Other Assets | 27.18M | 4.21B | 2.59B | 839.71M | 1.13B | 655.15M | 993.44M | 1.03B | 1.9B |
Total Current Assets | 6.6B | 9.04B | 6.48B | 5.59B | 6.42B | 7.68B | 9.09B | 11.74B | 9.52B |
Total Non-Current Assets | 920.47M | 5.21B | 3.17B | 1.11B | 1.32B | 857.99M | 1.18B | 1.24B | 3.94B |
Total Assets | 7.52B▲ 0% | 14.25B▲ 89.6% | 9.64B▼ 32.3% | 6.7B▼ 30.5% | 7.74B▲ 15.5% | 8.54B▲ 10.3% | 10.28B▲ 20.4% | 12.98B▲ 26.3% | 13.46B▲ 3.7% |
Asset Growth % | 57.18% | 89.55% | -32.33% | -30.51% | 15.48% | 10.29% | 20.39% | 26.33% | 3.7% |
Return on Assets (ROA) | -3.06% | 14.51% | 9.67% | -8.48% | 14.31% | 14.68% | 22.11% | 13.61% | 0.3% |
Accounts Payable | 33.84M | 307.05M | 43.58M | 9.9M | 19.07M | 14.14M | 30.9M | 43.17M | 79.63M |
Total Debt | 0 | 192.42M | 300.92M | 582.35M | 1.1B | 803.13M | 23.65M | 40.77M | 39.78M |
Net Debt | -1.86B | -2.41B | -2.9B | -1.89B | -1.76B | -3.47B | -5.77B | -3.8B | -3.83B |
Long-Term Debt | 0 | 192.42M | 18.59M | 500.5M | 1.03B | 767.9M | 0 | 0 | 0 |
Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Liabilities | 2.61B | 1.71B | 1.55B | 148.84M | 151.79M | 118.7M | 620.68M | 1.26B | 4.12B |
Total Current Liabilities | 1.71B | 11.66B | 2.72B | 2.15B | 1.55B | 1.5B | 1.44B | 2.09B | 29.43M |
Total Non-Current Liabilities | 2.84B | 2.95B | 2.43B | 769.93M | 1.37B | 1B | 747.42M | 1.35B | 4.19B |
Total Liabilities | 4.55B | 14.62B | 5.15B | 2.92B | 2.92B | 2.51B | 2.19B | 3.44B | 4.19B |
Total Equity | 2.97B▲ 0% | -363.41M▼ 112.2% | 4.49B▲ 1335.5% | 3.78B▼ 15.9% | 4.82B▲ 27.6% | 6.03B▲ 25.1% | 8.09B▲ 34.1% | 9.54B▲ 18.0% | 9.28B▼ 2.8% |
Equity Growth % | 38.79% | -112.24% | 1335.53% | -15.87% | 27.63% | 25.08% | 34.07% | 18.02% | -2.78% |
Equity / Assets (Capital Ratio) | 39.5% | -2.55% | 46.56% | 56.36% | 62.3% | 70.65% | 78.68% | 73.5% | 68.91% |
Return on Equity (ROE) | -7.36% | 121.21% | 56.01% | -16.76% | 24.03% | 22.02% | 29.47% | 17.95% | 0.42% |
Book Value per Share | 48.05 | -3.90 | 48.14 | 41.90 | 56.53 | 70.71 | 90.50 | 109.24 | 212.43 |
Tangible BV per Share | 48.05 | -3.90 | 48.14 | 41.90 | 56.53 | 70.32 | 90.08 | 108.79 | 203.36 |
Common Stock | 76K | 77K | 121K | 121K | 123K | 129K | 130K | 132K | 133.08K |
Additional Paid-in Capital | 1.12B | 1.29B | 5.04B | 5.06B | 5.1B | 5.16B | 5.17B | 5.2B | 5.24B |
Retained Earnings | 1.84B | -1.67B | -533.48M | -1.26B | -247.83M | 908.87M | 2.99B | 4.44B | 4.19B |
Accumulated OCI | 11.07M | 16.39M | 21.86M | 17.11M | 11.55M | 7.76M | 23.67M | 79.27M | 10.73M |
Treasury Stock | 0 | -254K | -37.1M | -40.15M | -42.9M | -46.73M | -94.85M | -170.46M | -170.79M |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
YRD Cash Flow Statement
Yiren Digital Ltd. (YRD) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 184.07M | -3.96B | 274.17M | 282.03M | 158.19M | 1.85B | 2.17B | 1.42B | 703.62M |
Operating CF Growth % | -91.29% | -2250.84% | 106.92% | 2.87% | -43.91% | 1069.1% | 17.39% | -34.4% | -50.59% |
Net Income | -188.07M | 1.58B | 1.16B | -692.75M | 1.03B | 1.19B | 2.08B | 1.58B | 54.53M |
Depreciation & Amortization | 140.92M | 147.99M | 394.61M | 327.46M | 139.95M | 52.83M | 25.44M | 28.29M | 30.59M |
Deferred Taxes | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Non-Cash Items | -143.47M | 1.13B | 1.21B | 785.34M | 463.16M | 113.07M | 410.5M | 1.28B | 3.2B |
Working Capital Changes | 249.12M | -6.93B | -2.53B | -152.2M | -1.5B | 466.52M | -351.87M | -1.49B | -2.61B |
Cash from Investing | -1.17B | 3.3B | 1.11B | -1.8B | -346.51M | 52.56M | 100.05M | -3.11B | -1.58B |
Purchase of Investments | -3.96B | 0 | 0 | 0 | 0 | 0 | 0 | -12.85B | -820.67M |
Sale/Maturity of Investments | 4.22B | 0 | 0 | 0 | 0 | 0 | 0 | 10.58B | 284.23M |
Net Investment Activity | 261.69M | 0 | 0 | 0 | 0 | 0 | 0 | -2.27B | -536.45M |
Acquisitions | 0 | 0 | -263.82M | -15.17M | 0 | 0 | -5.05M | 820K | 6.41M |
Other Investing | -1.21B | 3.44B | 1.42B | -1.77B | -337.1M | 53.44M | 109.54M | -837.76M | -1.02B |
Cash from Financing | 2.64B | -788.02M | -1.15B | 955.45M | 427.45M | -489.12M | -569.28M | -277.23M | 662.6M |
Dividends Paid | -605.24M | -106.63M | 0 | 0 | 0 | 0 | 0 | -122.33M | -273.13M |
Share Repurchases | 0 | -254K | -36.84M | -3.05M | -2.75M | -3.84M | -48.12M | -75.61M | -223K |
Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Net Stock Activity | 0 | -254K | -36.84M | -3.05M | -2.75M | -3.84M | -48.12M | -75.61M | -223K |
Debt Issuance (Net) | 1000K | 1000K | -1000K | 1000K | 1000K | -1000K | -1000K | -1000K | -1000K |
Other Financing | 483.23M | -853.56M | -909.03M | 476.59M | -97.9M | -267.59M | 246.74M | 212.5M | 1.28B |
Net Change in Cash | 1.64B▲ 0% | -1.45B▼ 188.0% | 234.66M▲ 116.2% | -561.99M▼ 339.5% | 238.19M▲ 142.4% | 1.42B▲ 494.2% | 1.7B▲ 20.0% | -1.96B▼ 215.3% | -230.72M▲ 88.2% |
Exchange Rate Effect | -16.11M | 3.63M | 193K | -2.81M | -936K | 2.49M | -3.87M | 9.21M | -20.78M |
Cash at Beginning | 2.84B | 4.48B | 3.03B | 3.27B | 2.71B | 2.95B | 4.36B | 6.06B | 4.1B |
Cash at End | 4.48B | 3.03B | 3.27B | 2.71B | 2.95B | 4.36B | 6.06B | 4.1B | 3.87B |
Interest Paid | 0 | 15.39M | 11.42M | 1.64M | 85.26M | 121.7M | 62.53M | 0 | 190K |
Income Taxes Paid | 302.19M | 334.1M | 178.11M | 103.73M | 63.31M | 78.87M | 165.18M | 140.09M | 264.38M |
Free Cash Flow | -33.88M▲ 0% | -4.1B▼ 11999.6% | 226.16M▲ 105.5% | 268.31M▲ 18.6% | 148.79M▼ 44.5% | 1.85B▲ 1142.4% | 2.17B▲ 17.2% | 1.41B▼ 34.7% | 677.88M▼ 52.1% |
FCF Growth % | -101.63% | -11999.58% | 105.52% | 18.63% | -44.55% | 1142.4% | 17.2% | -34.69% | -52.09% |
YRD Banking Ratios
Yiren Digital Ltd. (YRD) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | 71.64% | -7.36% | 121.21% | 56.01% | -16.76% | 24.03% | 22.02% | 29.47% | 17.95% | 0.42% |
Return on Assets (ROA) | 32.02% | -3.06% | 14.51% | 9.67% | -8.48% | 14.31% | 14.68% | 22.11% | 13.61% | 0.3% |
Net Interest Margin | 0.77% | 1.53% | 0.52% | 0.76% | 0.92% | -0.95% | 0% | 0.79% | 0.81% | 0.57% |
Efficiency Ratio | 60.94% | 89.03% | 83.66% | 79.19% | 73.38% | 54.26% | 34.53% | 27.06% | 56.42% | 47.32% |
Equity / Assets | 44.74% | 39.5% | -2.55% | 46.56% | 56.36% | 62.3% | 70.65% | 78.68% | 73.5% | 68.91% |
Book Value / Share | 35.98 | 48.05 | -3.9 | 48.14 | 41.9 | 56.53 | 70.71 | 90.5 | 109.24 | 212.43 |
NII Growth | 667.72% | 212.3% | -35.76% | -0.74% | -16.01% | -219.08% | 100% | - | 30.62% | -27.36% |
Dividend Payout | - | - | 6.75% | - | - | - | - | - | 7.73% | 692.85% |
Related:YRD Dividend History·YRD Revenue History·YRD Price History·YRD P/E History·YRD Financial Ratios·YRD Institutional Holders
YRD Frequently Asked Questions
Yiren Digital Ltd. (YRD) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Yiren Digital Ltd. (YRD) saw revenue decline by 4.0% over the past year.
Yes, Yiren Digital Ltd. (YRD) is profitable, generating $52.7M in net income for fiscal year 2025 (0.7% net margin).
Dividend & Returns
Yes, Yiren Digital Ltd. (YRD) pays a dividend with a yield of 80.43%. This makes it attractive for income-focused investors.
Yiren Digital Ltd. (YRD) has a return on equity (ROE) of 0.4%. This is below average, suggesting room for improvement.
Industry Metrics
Yiren Digital Ltd. (YRD) has a net interest margin (NIM) of 0.6%. NIM has been under pressure due to interest rate environment.
Yiren Digital Ltd. (YRD) has an efficiency ratio of 47.3%. This is excellent, indicating strong cost control.