Last 47 quarters of trend data · Financial Services · Consumer Finance
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | -0.14 | — | — | — | 0.41 | 0.36 | 0.60 | 0.31 | 0.35 | 0.24 | 0.20 | 0.12 | 0.10 | 0.10 | 0.11 | 0.06 | 0.09 | 0.15 | 0.29 | 0.19 | 0.20 |
| — | — | — | — | +15.7% | +47.9% | +195.5% | +159.8% | +260.5% | +149.5% | +81.8% | +90.7% | +9.9% | -35.9% | -61.8% | -65.8% | -55.8% | -76.2% | -50.4% | — | -76.2% | |
| P/S Ratio | 0.05 | 0.02 | 0.04 | 0.09 | 0.08 | 0.08 | 0.10 | 0.07 | 0.08 | 0.07 | 0.07 | 0.05 | 0.04 | 0.04 | 0.05 | 0.03 | 0.03 | 0.05 | 0.08 | 0.06 | 0.05 |
| — | -73.1% | -57.3% | +18.8% | -1.4% | +15.4% | +33.5% | +32.4% | +104.8% | +71.5% | +48.2% | +91.7% | +44.4% | -19.7% | -36.9% | -52.8% | -46.3% | -57.5% | -20.9% | -0.8% | -18.8% | |
| P/B Ratio | 0.02 | 0.01 | 0.02 | 0.03 | 0.05 | 0.05 | 0.06 | 0.04 | 0.05 | 0.04 | 0.05 | 0.03 | 0.03 | 0.03 | 0.03 | 0.02 | 0.02 | 0.03 | 0.05 | 0.05 | 0.06 |
| — | -79.2% | -72.1% | -20.4% | -6.9% | +16.0% | +32.8% | +27.9% | +87.4% | +51.0% | +55.2% | +67.5% | +66.0% | -0.1% | -33.9% | -59.8% | -69.8% | -76.1% | -58.4% | -31.6% | -7.1% | |
| P/FCF | — | — | — | — | — | 0.31 | 0.31 | — | — | 0.27 | 0.16 | — | — | 0.07 | 0.12 | 0.07 | 0.07 | 0.06 | 0.15 | 0.34 | 0.20 |
| — | — | — | — | — | +15.8% | +98.8% | — | — | +277.2% | +27.9% | — | — | +23.3% | -16.8% | -80.8% | -64.8% | — | — | — | -99.1% | |
| EV / EBITDA | -7.02 | — | -2.25 | — | -1.26 | -2.31 | -2.75 | -2.83 | -2.33 | -1.77 | -2.38 | -1.99 | -1.87 | -1.93 | -2.05 | -1.27 | -1.97 | -2.87 | 3.53 | -0.88 | -0.58 |
| — | — | +18.1% | — | +45.8% | -30.8% | -15.4% | -42.3% | -24.7% | +8.3% | -16.4% | -57.5% | +4.8% | +32.8% | -158.0% | -44.3% | -240.6% | -405.4% | +445.8% | +26.3% | +87.0% | |
| EV / EBIT | -1.44 | — | — | — | -1.27 | -2.33 | -2.77 | -2.86 | -2.35 | -2.90 | -2.39 | -2.00 | -1.87 | -1.93 | -2.06 | -1.41 | -2.02 | -2.96 | 3.63 | -1.16 | -0.58 |
| — | — | — | — | +45.9% | +19.8% | -15.9% | -43.1% | -25.5% | -50.1% | -16.3% | -41.2% | +7.2% | +34.8% | -156.7% | -22.5% | -245.1% | -422.1% | +455.4% | +75.6% | +89.1% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 85.8% | 78.7% | 78.4% | 72.8% | 90.4% | 90.4% | 85.5% | 86.4% | 86.1% | 83.5% | 83.1% | 85.5% | 81.3% | 73.8% | 79.7% | 80.6% | 73.4% | 76.4% | 78.3% | 78.8% | 86.3% |
| — | -12.9% | -8.3% | -15.7% | +5.0% | +8.2% | +3.0% | +1.1% | +5.9% | +13.1% | +4.2% | +6.1% | +10.7% | -3.4% | +1.9% | +2.3% | -14.9% | -8.7% | -6.9% | +62.1% | +12.8% | |
| Operating Margin | 38.5% | -39.5% | 27.1% | -4.7% | 41.7% | 22.8% | 19.8% | 20.4% | 22.9% | 47.9% | 41.6% | 53.9% | 52.9% | 50.7% | 55.0% | 58.1% | 39.9% | 34.6% | 32.2% | 32.2% | 34.3% |
| — | -273.4% | +37.1% | -122.9% | +81.7% | -52.5% | -52.5% | -62.2% | -56.6% | -5.5% | -24.4% | -7.2% | +32.5% | +46.7% | +70.7% | +80.4% | +16.5% | +36.8% | +36.9% | +339.9% | +209.3% | |
| Net Margin | 0.7% | -50.2% | -53.9% | -92.0% | 20.4% | 21.4% | 15.9% | 22.8% | 24.0% | 27.4% | 35.3% | 44.8% | 42.3% | 39.8% | 43.3% | 44.6% | 32.2% | 31.8% | 26.2% | 32.4% | 26.5% |
| — | -335.1% | -438.7% | -503.2% | -15.0% | -22.0% | -54.8% | -49.1% | -43.2% | -31.3% | -18.6% | +0.5% | +31.5% | +25.4% | +65.1% | +37.6% | +21.3% | +78.6% | +59.2% | +167.2% | +239.7% |
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 0.4% | -5.7% | -5.5% | -8.9% | 3.1% | 3.6% | 2.6% | 3.5% | 3.9% | 4.7% | 5.8% | 7.3% | 7.6% | 7.9% | 6.8% | 8.4% | 5.0% | 5.0% | 3.8% | 7.1% | 7.4% |
| — | -257.7% | -313.2% | -351.9% | -19.8% | -22.3% | -55.9% | -51.9% | -49.0% | -40.6% | -14.9% | -12.7% | +52.7% | +55.5% | +78.6% | +18.0% | -32.5% | +2.5% | -18.2% | +151.5% | +299.5% | |
| ROA | 0.3% | -4.0% | -3.8% | -6.0% | 2.1% | 2.6% | 1.9% | 2.6% | 2.9% | 3.6% | 4.6% | 5.8% | 5.9% | 5.9% | 5.0% | 5.9% | 3.4% | 3.2% | — | 4.3% | 4.3% |
| — | -256.9% | -301.7% | -331.0% | -27.4% | -28.2% | -58.7% | -55.2% | -50.6% | -38.8% | -8.3% | -0.9% | +75.1% | +84.5% | — | +35.8% | -22.2% | +12.5% | — | +158.2% | +360.3% | |
| ROIC | 17.0% | -3.4% | 2.1% | -0.3% | 4.8% | 2.9% | 2.4% | 2.3% | 2.8% | 6.1% | 5.1% | 6.6% | 7.0% | 7.1% | 5.9% | 7.2% | 4.0% | 3.8% | 3.2% | 4.3% | 5.8% |
| — | -216.2% | -13.8% | -114.3% | +71.1% | -52.7% | -53.7% | -64.3% | -60.0% | -13.4% | -13.4% | -8.5% | +73.1% | +86.8% | +87.3% | +67.7% | -30.4% | -11.1% | -25.0% | +197.1% | +203.5% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.01 | 0.00 | 0.00 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.06 | 0.07 | 0.13 | 0.15 | 0.17 | — | 0.23 | 0.24 |
| — | +26.3% | +3.7% | +23.3% | +205.7% | +78.3% | +75.2% | +46.1% | -55.4% | -96.4% | -96.6% | -97.8% | -97.5% | -65.7% | — | -41.7% | -40.0% | -30.0% | — | +48.1% | +678.5% | |
| Debt / EBITDA | 0.02 | — | 0.14 | — | 0.08 | 0.10 | 0.12 | 0.14 | 0.04 | 0.03 | 0.03 | 0.03 | 0.04 | 0.62 | 0.78 | 1.22 | 2.35 | 3.21 | — | 2.54 | 2.58 |
| — | — | +14.9% | — | +78.7% | +271.7% | +269.3% | +298.0% | +11.5% | -95.7% | -95.7% | -97.2% | -98.3% | -80.6% | — | -52.2% | -8.8% | -12.0% | — | +47.3% | +160.2% | |
| Current Ratio | 6.82 | 11.29 | 9.00 | 6.82 | 3.70 | 3.76 | 4.93 | 5.61 | 4.17 | 4.18 | 4.02 | 6.30 | 5.11 | 18.68 | 24.76 | 5.11 | 21.82 | 13.73 | — | 4.13 | 10.06 |
| — | +200.8% | +82.4% | +21.7% | -11.2% | -10.2% | +22.9% | -11.0% | -18.5% | -77.6% | -83.8% | +23.3% | -76.6% | +36.1% | — | +23.6% | +116.9% | +54.3% | — | +59.3% | -19.2% | |
| Quick Ratio | 6.82 | 11.29 | 9.00 | 6.82 | 3.70 | 3.76 | 4.93 | 5.61 | 4.17 | 4.18 | 4.02 | 6.30 | 5.11 | 18.68 | 24.76 | 5.11 | 21.82 | 13.73 | — | 4.13 | 10.06 |
| — | +200.8% | +82.4% | +21.7% | -11.2% | -10.2% | +22.9% | -11.0% | -18.5% | -77.6% | -83.8% | +23.3% | -76.6% | +36.1% | — | +23.6% | +116.9% | +54.3% | — | +59.3% | -19.2% | |
| Interest Coverage | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | 887.85 | — | — | — | 19.40 |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Quick answers to the most common questions about buying YRD stock.
Yiren Digital Ltd.'s current P/E is -0.1x. The average P/E over the last 1 quarters is 0.4x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Yiren Digital Ltd.'s current operating margin is 38.5%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Yiren Digital Ltd.'s business trajectory between earnings reports.