Yiren Digital Ltd. (YRD) 10-Year Financial Performance & Capital Metrics

YRD • • Banking & Credit

Financial ServicesCredit ServicesCredit Servicing and Structured Finance

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 $105M +30.6%
Total Revenue $5.81B +18.6%
Net Income $1.58B -23.9%
Return on Equity 17.95% -39.1%
Net Interest Margin 0.81% +3.4%
Efficiency Ratio 56.42% +108.5%
ROA 13.61% -38.5%
Equity / Assets 73.5% -6.6%
Book Value per Share 218.47 +20.7%
Tangible BV/Share 217.59 +20.8%
Debt/Equity 0.00 +46.1%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Company is almost debt free
✓Excellent 3Y average ROE of 23.1%
✓Well capitalized: 73.5% equity/assets
✓Share count reduced 2.2% through buybacks
✓Diversified revenue: 98.2% from non-interest income
✓Trading at only 0.1x book value

✗Weaknesses

✗Weak NIM of 0.8%
✗Trading more than 30% below 52-week high

Price & Volume

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Growth Metrics

Revenue CAGR

10Y40.3%

5Y-7.59%

3Y9.04%

TTM-

Profit (Net Income) CAGR

10Y-

5Y6.49%

3Y15.27%

TTM-31.17%

EPS CAGR

10Y-

5Y7.89%

3Y14.36%

TTM-30.39%

ROCE

10Y Avg22.75%

5Y Avg18.96%

3Y Avg23.89%

Latest16.7%

Peer Comparison

Credit Servicing and Structured Finance

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
BNHBrookfield Finance Inc. 4.625%		15.86	76.73	-10.34%	0.75%	0.61%		1.42
UPSTUpstart Holdings, Inc.	2.67B	27.23	60.51	54.2%	5.13%	4.33%
NRDSNerdWallet, Inc.	343.94M	10.85	16.95	21.67%	5.82%	13%	37.88%
FOAFinance Of America Companies Inc.	232	19.35	16.40	24.25%	0.79%	1.65%		90.98
AGMFederal Agricultural Mortgage Corporation	1.47B	157.66	9.48	-0.77%	11.32%	10.62%	5.45%	17.93
CGABLThe Carlyle Group Inc. 4.625% Subordinated Notes due 2061	6.33B	17.59	6.35	83.06%	18.81%	9.58%	15.96%
KKRSKKR Group Finance Co. IX LLC 4.	15.67B	17.59	3.34	50.89%	22.42%	7.96%	41.53%
YRDYiren Digital Ltd.	673.16M	3.90	0.74	18.59%	27.25%	12.13%	30.64%	0.00

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	4.8M	36.84M	115.06M	73.92M	73.37M	61.62M	-73.38M	0	80.75M	105.48M
NII Growth %	-	667.72%	212.3%	-35.76%	-0.74%	-16.01%	-219.08%	100%	-	30.62%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	4.8M	36.84M	115.06M	73.92M	73.37M	61.62M	73.38M	0	80.75M	105.48M
Interest Expense	0	0	0	0	0	0	61.62M	0	0	0
Loan Loss Provision	86.36M	180.08M	1.24B	1.06B	665.08M	1.1B	699.24M	776.84M	976.17M	882.96M
Non-Interest Income+	1.31B	3.2B	11.53B	11.17B	8.54B	3.9B	4.4B	3.43B	4.81B	5.7B
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	1.32B	3.24B	11.65B	11.24B	8.62B	3.96B	4.48B	3.43B	4.9B	5.81B
Revenue Growth %	570.88%	145.59%	259.79%	-3.48%	-23.37%	-54.02%	13.02%	-23.3%	42.54%	18.59%
Non-Interest Expense	816.88M	1.97B	10.37B	9.41B	6.82B	2.91B	2.43B	1.19B	1.32B	3.28B
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	415.19M	1.08B	35.32M	776.15M	1.13B	-50M	1.29B	1.47B	2.59B	1.65B
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	1600.08%	161.27%	-96.74%	2097.22%	45.34%	-104.43%	2674.72%	14.33%	76.29%	-36.52%
Pretax Income+	403.86M	1.1B	193.14M	1.77B	1.39B	-773.36M	1.2B	1.5B	2.65B	1.86B
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	128.52M	-13.95M	381.21M	194.29M	239.23M	-80.61M	170.19M	300.51M	565.16M	279.18M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	275.34M	1.12B	-188.07M	1.58B	1.16B	-692.75M	1.03B	1.19B	2.08B	1.58B
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	1093.72%	305.46%	-116.85%	939.99%	-26.85%	-159.95%	249.11%	15.67%	74.09%	-23.94%
Net Income (Continuing)	275.34M	1.12B	-188.07M	1.58B	1.16B	-692.75M	1.03B	1.19B	2.08B	1.58B
EPS (Diluted)+	10.94	37.54	44.38	20.76	24.78	-15.36	24.22	27.26	46.56	36.22
EPS Growth %	1239.58%	243.14%	18.22%	-53.22%	19.36%	-161.99%	257.68%	12.55%	70.8%	-22.21%
EPS (Basic)	10.94	37.76	45.24	20.98	24.96	-15.36	24.44	27.36	47.08	36.54
Diluted Shares Outstanding	25.16M	29.73M	30.91M	46.57M	46.63M	45.08M	42.65M	42.65M	44.67M	43.68M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	846.12M	2.13B	2.82B	3.44B	3.66B	2.65B	3.04B	5.24B	6.31B	4.27B
Cash & Due from Banks	846.12M	968.23M	1.86B	2.61B	3.2B	2.47B	2.86B	4.27B	5.79B	3.84B
Short Term Investments	0	1.16B	963.25M	835.57M	460.99M	175.51M	177.36M	972.74M	514.14M	430.62M
Total Investments+	30M	1.26B	973.2M	1.38B	467.62M	178.8M	179.56M	975.44M	524.56M	446.44M
Investments Growth %	-	4089.72%	-22.57%	42.09%	-66.18%	-61.76%	0.42%	443.24%	-46.22%	-14.89%
Long-Term Investments	30M	98.92M	9.94M	547.23M	6.63M	3.29M	2.2M	2.7M	10.42M	15.83M
Accounts Receivables	82.99M	28.58M	21.37M	-493.92M	3.4M	122.74M	305.02M	221M	499.03M	566.54M
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	0	0	0	0	0	0	0	4.78M	4.78M	4.78M
Intangible Assets	0	0	0	0	0	0	0	28.49M	32.99M	33.78M
PP&E (Net)	16.18M	35.5M	82.25M	266M	529.99M	252.87M	183.3M	82.67M	69.55M	84.59M
Other Assets	6.93M	15.36M	27.18M	4.21B	2.59B	839.71M	1.13B	655.15M	993.44M	1.03B
Total Current Assets	1.96B	4.2B	6.6B	9.04B	6.48B	5.59B	6.42B	7.68B	9.09B	11.74B
Total Non-Current Assets	228.97M	586.18M	920.47M	5.21B	3.17B	1.11B	1.32B	857.99M	1.18B	1.24B
Total Assets+	2.19B	4.78B	7.52B	14.25B	9.64B	6.7B	7.74B	8.54B	10.28B	12.98B
Asset Growth %	444.62%	118.42%	57.18%	89.55%	-32.33%	-30.51%	15.48%	10.29%	20.39%	26.33%
Return on Assets (ROA)	21.24%	32.02%	-3.06%	14.51%	9.67%	-8.48%	14.31%	14.68%	22.11%	13.61%
Accounts Payable	4.5M	13.69M	33.84M	307.05M	43.58M	9.9M	19.07M	14.14M	30.9M	43.17M
Total Debt+	0	0	0	192.42M	300.92M	582.35M	1.1B	803.13M	23.65M	40.77M
Net Debt	-846.12M	-968.23M	-1.86B	-2.41B	-2.9B	-1.89B	-1.76B	-3.47B	-5.77B	-3.8B
Long-Term Debt	0	0	0	192.42M	18.59M	500.5M	1.03B	767.9M	0	0
Short-Term Debt	0	0	0	0	0	0	0	0	0	0
Other Liabilities	428.85M	1.31B	2.61B	1.71B	1.55B	148.84M	151.79M	118.7M	620.68M	1.26B
Total Current Liabilities	666.73M	1.17B	1.71B	11.66B	2.72B	2.15B	1.55B	1.5B	1.44B	2.09B
Total Non-Current Liabilities	546.33M	1.47B	2.84B	2.95B	2.43B	769.93M	1.37B	1B	747.42M	1.35B
Total Liabilities	1.21B	2.64B	4.55B	14.62B	5.15B	2.92B	2.92B	2.51B	2.19B	3.44B
Total Equity+	976.94M	2.14B	2.97B	-363.41M	4.49B	3.78B	4.82B	6.03B	8.09B	9.54B
Equity Growth %	337.33%	119.04%	38.79%	-112.24%	1335.53%	-15.87%	27.63%	25.08%	34.07%	18.02%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	45.88%	71.64%	-7.36%	121.21%	56.01%	-16.76%	24.03%	22.02%	29.47%	17.95%
Book Value per Share	38.82	71.97	96.10	-7.80	96.28	83.81	113.05	141.41	181.00	218.47
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	73K	75K	76K	77K	121K	121K	123K	129K	130K	132K
Additional Paid-in Capital	791.84M	933.27M	1.12B	1.29B	5.04B	5.06B	5.1B	5.16B	5.17B	5.2B
Retained Earnings	184.93M	1.18B	1.84B	-1.67B	-533.48M	-1.26B	-247.83M	908.87M	2.99B	4.44B
Accumulated OCI	101K	29.46M	11.07M	16.39M	21.86M	17.11M	11.55M	7.76M	23.67M	79.27M
Treasury Stock	0	0	0	-254K	-37.1M	-40.15M	-42.9M	-46.73M	-94.85M	-170.46M
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	861.28M	2.11B	184.07M	-3.96B	274.17M	282.03M	158.19M	1.85B	2.17B	1.42B
Operating CF Growth %	479.35%	145.38%	-91.29%	-2250.84%	106.92%	2.87%	-43.91%	1069.1%	17.39%	-34.4%
Net Income	275.34M	1.12B	-188.07M	1.58B	1.16B	-692.75M	1.03B	1.19B	2.08B	1.58B
Depreciation & Amortization	3.63M	10.61M	140.92M	147.99M	394.61M	327.46M	139.95M	52.83M	25.44M	28.29M
Deferred Taxes	0	0	0	0	0	0	0	0	0	0
Other Non-Cash Items	-43.39M	-184.75M	-143.47M	1.13B	1.21B	785.34M	463.16M	113.07M	410.5M	1.28B
Working Capital Changes	625.7M	1.15B	249.12M	-6.93B	-2.53B	-152.2M	-1.5B	466.52M	-351.87M	-1.49B
Cash from Investing+	-282.59M	-1.42B	-1.17B	3.3B	1.11B	-1.8B	-346.51M	52.56M	100.05M	-3.11B
Purchase of Investments	0	0	-3.96B	0	0	0	0	0	0	-12.85B
Sale/Maturity of Investments	0	0	1000K	0	0	0	0	0	0	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	0	0	-263.82M	-15.17M	0	0	-5.05M	820K
Other Investing	-266.19M	-1.39B	-1.21B	3.44B	1.42B	-1.77B	-337.1M	53.44M	109.54M	-837.76M
Cash from Financing+	749.92M	135.3M	2.64B	-788.02M	-1.15B	955.45M	427.45M	-489.12M	-569.28M	-277.23M
Dividends Paid	0	0	-605.24M	-106.63M	0	0	0	0	0	-122.33M
Share Repurchases	0	0	0	-254K	-36.84M	-3.05M	-2.75M	-3.84M	-48.12M	-75.61M
Stock Issued	0	0	0	0	0	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	0	0	1000K	1000K	-1000K	1000K	1000K	-1000K	-1000K	-1000K
Other Financing	749.92M	135.3M	483.23M	-853.56M	-909.03M	476.59M	-97.9M	-267.59M	246.74M	212.5M
Net Change in Cash+	1.33B	856.43M	1.64B	-1.45B	234.66M	-561.99M	238.19M	1.42B	1.7B	-1.96B
Exchange Rate Effect	101K	1000K	-1000K	1000K	193K	-1000K	-936K	1000K	-1000K	1000K
Cash at Beginning	1.38M	1.33B	2.84B	4.48B	3.03B	3.27B	2.71B	2.95B	4.36B	6.06B
Cash at End	1.33B	2.19B	4.48B	3.03B	3.27B	2.71B	2.95B	4.36B	6.06B	4.1B
Interest Paid	0	0	0	15.39M	11.42M	1.64M	85.26M	121.7M	62.53M	0
Income Taxes Paid	98.94M	65.89M	302.19M	334.1M	178.11M	103.73M	63.31M	78.87M	165.18M	140.09M
Free Cash Flow+	844.88M	2.08B	-33.88M	-4.1B	226.16M	268.31M	148.79M	1.85B	2.17B	1.41B
FCF Growth %	466.35%	146.6%	-101.63%	-11999.58%	105.52%	18.63%	-44.55%	1142.4%	17.2%	-34.69%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	45.88%	71.64%	-7.36%	121.21%	56.01%	-16.76%	24.03%	22.02%	29.47%	17.95%
Return on Assets (ROA)	21.24%	32.02%	-3.06%	14.51%	9.67%	-8.48%	14.31%	14.68%	22.11%	13.61%
Net Interest Margin	0.22%	0.77%	1.53%	0.52%	0.76%	0.92%	-0.95%	0%	0.79%	0.81%
Efficiency Ratio	61.96%	60.94%	89.03%	83.66%	79.19%	73.38%	54.26%	34.53%	27.06%	56.42%
Equity / Assets	44.61%	44.74%	39.5%	-2.55%	46.56%	56.36%	62.3%	70.65%	78.68%	73.5%
Book Value / Share	38.82	71.97	96.1	-7.8	96.28	83.81	113.05	141.41	181	218.47
NII Growth	-	667.72%	212.3%	-35.76%	-0.74%	-16.01%	-219.08%	100%	-	30.62%
Dividend Payout	-	-	-	6.75%	-	-	-	-	-	7.73%

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Yiren Digital Ltd. (YRD) 10-Year Financial Performance & Capital Metrics

YRD • • Banking & Credit

Financial ServicesCredit ServicesCredit Servicing and Structured Finance

Net Interest Income $105M +30.6%
Total Revenue $5.81B +18.6%
Net Income $1.58B -23.9%
Return on Equity 17.95% -39.1%
Net Interest Margin 0.81% +3.4%
Efficiency Ratio 56.42% +108.5%
ROA 13.61% -38.5%
Equity / Assets 73.5% -6.6%
Book Value per Share 218.47 +20.7%
Tangible BV/Share 217.59 +20.8%
Debt/Equity 0.00 +46.1%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Company is almost debt free
✓Excellent 3Y average ROE of 23.1%
✓Well capitalized: 73.5% equity/assets
✓Share count reduced 2.2% through buybacks
✓Diversified revenue: 98.2% from non-interest income
✓Trading at only 0.1x book value

✗Weaknesses

✗Weak NIM of 0.8%
✗Trading more than 30% below 52-week high

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y40.3%

5Y-7.59%

3Y9.04%

TTM-

Profit (Net Income) CAGR

10Y-

5Y6.49%

3Y15.27%

TTM-31.17%

EPS CAGR

10Y-

5Y7.89%

3Y14.36%

TTM-30.39%

ROCE

10Y Avg22.75%

5Y Avg18.96%

3Y Avg23.89%

Latest16.7%

Peer Comparison

Credit Servicing and Structured Finance

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
BNHBrookfield Finance Inc. 4.625%		15.86	76.73	-10.34%	0.75%	0.61%		1.42
UPSTUpstart Holdings, Inc.	2.67B	27.23	60.51	54.2%	5.13%	4.33%
NRDSNerdWallet, Inc.	343.94M	10.85	16.95	21.67%	5.82%	13%	37.88%
FOAFinance Of America Companies Inc.	232	19.35	16.40	24.25%	0.79%	1.65%		90.98
AGMFederal Agricultural Mortgage Corporation	1.47B	157.66	9.48	-0.77%	11.32%	10.62%	5.45%	17.93
CGABLThe Carlyle Group Inc. 4.625% Subordinated Notes due 2061	6.33B	17.59	6.35	83.06%	18.81%	9.58%	15.96%
KKRSKKR Group Finance Co. IX LLC 4.	15.67B	17.59	3.34	50.89%	22.42%	7.96%	41.53%
YRDYiren Digital Ltd.	673.16M	3.90	0.74	18.59%	27.25%	12.13%	30.64%	0.00

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	4.8M	36.84M	115.06M	73.92M	73.37M	61.62M	-73.38M	0	80.75M	105.48M
NII Growth %	-	667.72%	212.3%	-35.76%	-0.74%	-16.01%	-219.08%	100%	-	30.62%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	4.8M	36.84M	115.06M	73.92M	73.37M	61.62M	73.38M	0	80.75M	105.48M
Interest Expense	0	0	0	0	0	0	61.62M	0	0	0
Loan Loss Provision	86.36M	180.08M	1.24B	1.06B	665.08M	1.1B	699.24M	776.84M	976.17M	882.96M
Non-Interest Income+	1.31B	3.2B	11.53B	11.17B	8.54B	3.9B	4.4B	3.43B	4.81B	5.7B
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	1.32B	3.24B	11.65B	11.24B	8.62B	3.96B	4.48B	3.43B	4.9B	5.81B
Revenue Growth %	570.88%	145.59%	259.79%	-3.48%	-23.37%	-54.02%	13.02%	-23.3%	42.54%	18.59%
Non-Interest Expense	816.88M	1.97B	10.37B	9.41B	6.82B	2.91B	2.43B	1.19B	1.32B	3.28B
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	415.19M	1.08B	35.32M	776.15M	1.13B	-50M	1.29B	1.47B	2.59B	1.65B
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	1600.08%	161.27%	-96.74%	2097.22%	45.34%	-104.43%	2674.72%	14.33%	76.29%	-36.52%
Pretax Income+	403.86M	1.1B	193.14M	1.77B	1.39B	-773.36M	1.2B	1.5B	2.65B	1.86B
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	128.52M	-13.95M	381.21M	194.29M	239.23M	-80.61M	170.19M	300.51M	565.16M	279.18M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	275.34M	1.12B	-188.07M	1.58B	1.16B	-692.75M	1.03B	1.19B	2.08B	1.58B
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	1093.72%	305.46%	-116.85%	939.99%	-26.85%	-159.95%	249.11%	15.67%	74.09%	-23.94%
Net Income (Continuing)	275.34M	1.12B	-188.07M	1.58B	1.16B	-692.75M	1.03B	1.19B	2.08B	1.58B
EPS (Diluted)+	10.94	37.54	44.38	20.76	24.78	-15.36	24.22	27.26	46.56	36.22
EPS Growth %	1239.58%	243.14%	18.22%	-53.22%	19.36%	-161.99%	257.68%	12.55%	70.8%	-22.21%
EPS (Basic)	10.94	37.76	45.24	20.98	24.96	-15.36	24.44	27.36	47.08	36.54
Diluted Shares Outstanding	25.16M	29.73M	30.91M	46.57M	46.63M	45.08M	42.65M	42.65M	44.67M	43.68M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	846.12M	2.13B	2.82B	3.44B	3.66B	2.65B	3.04B	5.24B	6.31B	4.27B
Cash & Due from Banks	846.12M	968.23M	1.86B	2.61B	3.2B	2.47B	2.86B	4.27B	5.79B	3.84B
Short Term Investments	0	1.16B	963.25M	835.57M	460.99M	175.51M	177.36M	972.74M	514.14M	430.62M
Total Investments+	30M	1.26B	973.2M	1.38B	467.62M	178.8M	179.56M	975.44M	524.56M	446.44M
Investments Growth %	-	4089.72%	-22.57%	42.09%	-66.18%	-61.76%	0.42%	443.24%	-46.22%	-14.89%
Long-Term Investments	30M	98.92M	9.94M	547.23M	6.63M	3.29M	2.2M	2.7M	10.42M	15.83M
Accounts Receivables	82.99M	28.58M	21.37M	-493.92M	3.4M	122.74M	305.02M	221M	499.03M	566.54M
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	0	0	0	0	0	0	0	4.78M	4.78M	4.78M
Intangible Assets	0	0	0	0	0	0	0	28.49M	32.99M	33.78M
PP&E (Net)	16.18M	35.5M	82.25M	266M	529.99M	252.87M	183.3M	82.67M	69.55M	84.59M
Other Assets	6.93M	15.36M	27.18M	4.21B	2.59B	839.71M	1.13B	655.15M	993.44M	1.03B
Total Current Assets	1.96B	4.2B	6.6B	9.04B	6.48B	5.59B	6.42B	7.68B	9.09B	11.74B
Total Non-Current Assets	228.97M	586.18M	920.47M	5.21B	3.17B	1.11B	1.32B	857.99M	1.18B	1.24B
Total Assets+	2.19B	4.78B	7.52B	14.25B	9.64B	6.7B	7.74B	8.54B	10.28B	12.98B
Asset Growth %	444.62%	118.42%	57.18%	89.55%	-32.33%	-30.51%	15.48%	10.29%	20.39%	26.33%
Return on Assets (ROA)	21.24%	32.02%	-3.06%	14.51%	9.67%	-8.48%	14.31%	14.68%	22.11%	13.61%
Accounts Payable	4.5M	13.69M	33.84M	307.05M	43.58M	9.9M	19.07M	14.14M	30.9M	43.17M
Total Debt+	0	0	0	192.42M	300.92M	582.35M	1.1B	803.13M	23.65M	40.77M
Net Debt	-846.12M	-968.23M	-1.86B	-2.41B	-2.9B	-1.89B	-1.76B	-3.47B	-5.77B	-3.8B
Long-Term Debt	0	0	0	192.42M	18.59M	500.5M	1.03B	767.9M	0	0
Short-Term Debt	0	0	0	0	0	0	0	0	0	0
Other Liabilities	428.85M	1.31B	2.61B	1.71B	1.55B	148.84M	151.79M	118.7M	620.68M	1.26B
Total Current Liabilities	666.73M	1.17B	1.71B	11.66B	2.72B	2.15B	1.55B	1.5B	1.44B	2.09B
Total Non-Current Liabilities	546.33M	1.47B	2.84B	2.95B	2.43B	769.93M	1.37B	1B	747.42M	1.35B
Total Liabilities	1.21B	2.64B	4.55B	14.62B	5.15B	2.92B	2.92B	2.51B	2.19B	3.44B
Total Equity+	976.94M	2.14B	2.97B	-363.41M	4.49B	3.78B	4.82B	6.03B	8.09B	9.54B
Equity Growth %	337.33%	119.04%	38.79%	-112.24%	1335.53%	-15.87%	27.63%	25.08%	34.07%	18.02%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	45.88%	71.64%	-7.36%	121.21%	56.01%	-16.76%	24.03%	22.02%	29.47%	17.95%
Book Value per Share	38.82	71.97	96.10	-7.80	96.28	83.81	113.05	141.41	181.00	218.47
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	73K	75K	76K	77K	121K	121K	123K	129K	130K	132K
Additional Paid-in Capital	791.84M	933.27M	1.12B	1.29B	5.04B	5.06B	5.1B	5.16B	5.17B	5.2B
Retained Earnings	184.93M	1.18B	1.84B	-1.67B	-533.48M	-1.26B	-247.83M	908.87M	2.99B	4.44B
Accumulated OCI	101K	29.46M	11.07M	16.39M	21.86M	17.11M	11.55M	7.76M	23.67M	79.27M
Treasury Stock	0	0	0	-254K	-37.1M	-40.15M	-42.9M	-46.73M	-94.85M	-170.46M
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	861.28M	2.11B	184.07M	-3.96B	274.17M	282.03M	158.19M	1.85B	2.17B	1.42B
Operating CF Growth %	479.35%	145.38%	-91.29%	-2250.84%	106.92%	2.87%	-43.91%	1069.1%	17.39%	-34.4%
Net Income	275.34M	1.12B	-188.07M	1.58B	1.16B	-692.75M	1.03B	1.19B	2.08B	1.58B
Depreciation & Amortization	3.63M	10.61M	140.92M	147.99M	394.61M	327.46M	139.95M	52.83M	25.44M	28.29M
Deferred Taxes	0	0	0	0	0	0	0	0	0	0
Other Non-Cash Items	-43.39M	-184.75M	-143.47M	1.13B	1.21B	785.34M	463.16M	113.07M	410.5M	1.28B
Working Capital Changes	625.7M	1.15B	249.12M	-6.93B	-2.53B	-152.2M	-1.5B	466.52M	-351.87M	-1.49B
Cash from Investing+	-282.59M	-1.42B	-1.17B	3.3B	1.11B	-1.8B	-346.51M	52.56M	100.05M	-3.11B
Purchase of Investments	0	0	-3.96B	0	0	0	0	0	0	-12.85B
Sale/Maturity of Investments	0	0	1000K	0	0	0	0	0	0	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	0	0	-263.82M	-15.17M	0	0	-5.05M	820K
Other Investing	-266.19M	-1.39B	-1.21B	3.44B	1.42B	-1.77B	-337.1M	53.44M	109.54M	-837.76M
Cash from Financing+	749.92M	135.3M	2.64B	-788.02M	-1.15B	955.45M	427.45M	-489.12M	-569.28M	-277.23M
Dividends Paid	0	0	-605.24M	-106.63M	0	0	0	0	0	-122.33M
Share Repurchases	0	0	0	-254K	-36.84M	-3.05M	-2.75M	-3.84M	-48.12M	-75.61M
Stock Issued	0	0	0	0	0	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	0	0	1000K	1000K	-1000K	1000K	1000K	-1000K	-1000K	-1000K
Other Financing	749.92M	135.3M	483.23M	-853.56M	-909.03M	476.59M	-97.9M	-267.59M	246.74M	212.5M
Net Change in Cash+	1.33B	856.43M	1.64B	-1.45B	234.66M	-561.99M	238.19M	1.42B	1.7B	-1.96B
Exchange Rate Effect	101K	1000K	-1000K	1000K	193K	-1000K	-936K	1000K	-1000K	1000K
Cash at Beginning	1.38M	1.33B	2.84B	4.48B	3.03B	3.27B	2.71B	2.95B	4.36B	6.06B
Cash at End	1.33B	2.19B	4.48B	3.03B	3.27B	2.71B	2.95B	4.36B	6.06B	4.1B
Interest Paid	0	0	0	15.39M	11.42M	1.64M	85.26M	121.7M	62.53M	0
Income Taxes Paid	98.94M	65.89M	302.19M	334.1M	178.11M	103.73M	63.31M	78.87M	165.18M	140.09M
Free Cash Flow+	844.88M	2.08B	-33.88M	-4.1B	226.16M	268.31M	148.79M	1.85B	2.17B	1.41B
FCF Growth %	466.35%	146.6%	-101.63%	-11999.58%	105.52%	18.63%	-44.55%	1142.4%	17.2%	-34.69%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	45.88%	71.64%	-7.36%	121.21%	56.01%	-16.76%	24.03%	22.02%	29.47%	17.95%
Return on Assets (ROA)	21.24%	32.02%	-3.06%	14.51%	9.67%	-8.48%	14.31%	14.68%	22.11%	13.61%
Net Interest Margin	0.22%	0.77%	1.53%	0.52%	0.76%	0.92%	-0.95%	0%	0.79%	0.81%
Efficiency Ratio	61.96%	60.94%	89.03%	83.66%	79.19%	73.38%	54.26%	34.53%	27.06%	56.42%
Equity / Assets	44.61%	44.74%	39.5%	-2.55%	46.56%	56.36%	62.3%	70.65%	78.68%	73.5%
Book Value / Share	38.82	71.97	96.1	-7.8	96.28	83.81	113.05	141.41	181	218.47
NII Growth	-	667.72%	212.3%	-35.76%	-0.74%	-16.01%	-219.08%	100%	-	30.62%
Dividend Payout	-	-	-	6.75%	-	-	-	-	-	7.73%

Yiren Digital Ltd. (YRD) 10-Year Financial Performance & Capital Metrics

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Yiren Digital Ltd. (YRD) 10-Year Financial Performance & Capital Metrics

Key Insights

✓Strengths

✗Weaknesses

Price & Volume

Growth Metrics

Revenue CAGR

Profit (Net Income) CAGR

EPS CAGR

ROCE

Peer Comparison

Compare YRD vs Peers

vs KKRS

vs CGABL

Compare Top 5

Profit & Loss

Balance Sheet

Cash Flow

Banking Ratios

Deep Dive Analysis

Valuation Overview

Total Return Calculator

Dividend History

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