Last 44 quarters of trend data · Financial Services · Financial - Credit Services
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Yiren Digital Ltd.'s quarterly P/E stands at 0.2x, up 16.0% year-over-year — indicating the stock has re-rated higher or earnings have softened.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 0.74 | 0.20 | 0.18 | 0.30 | 0.16 | 0.18 | 0.12 | 0.10 | 0.06 | 0.05 | 0.05 | 0.06 | 0.03 |
| — | +16.0% | +47.9% | +195.5% | +159.8% | +260.5% | +149.5% | +81.8% | +90.7% | +9.9% | -35.9% | -61.8% | -65.8% | |
| P/S Ratio | 0.80 | 0.04 | 0.04 | 0.05 | 0.04 | 0.04 | 0.03 | 0.04 | 0.03 | 0.02 | 0.02 | 0.02 | 0.01 |
| — | -1.4% | +15.4% | +33.5% | +32.4% | +104.8% | +71.5% | +48.2% | +91.7% | +44.5% | -19.7% | -36.9% | -52.8% | |
| P/B Ratio | 0.12 | 0.03 | 0.03 | 0.03 | 0.02 | 0.03 | 0.02 | 0.02 | 0.02 | 0.01 | 0.01 | 0.01 | 0.01 |
| — | -6.9% | +16.0% | +32.8% | +27.9% | +87.4% | +51.0% | +55.2% | +67.5% | +66.0% | -0.1% | -33.9% | -59.8% | |
| P/FCF | 3.26 | — | 0.16 | 0.16 | — | — | 0.13 | 0.08 | — | — | 0.04 | 0.06 | 0.03 |
| — | — | +15.8% | +98.8% | — | — | +277.2% | +27.9% | — | — | +23.3% | -16.8% | -80.8% | |
| EV / EBITDA | 0.49 | -1.36 | -2.49 | -3.01 | -3.04 | -2.52 | -1.84 | -2.47 | -2.04 | -1.91 | -1.97 | -2.10 | -1.44 |
| — | +45.8% | -35.9% | -21.8% | -48.6% | -31.7% | +6.8% | -17.9% | -41.8% | +6.9% | +35.1% | -161.5% | -15.4% | |
| EV / EBIT | 0.50 | -1.37 | -2.49 | -3.01 | -3.04 | -2.54 | -3.01 | -2.48 | -2.05 | -1.91 | -1.97 | -2.10 | -1.44 |
| — | +45.9% | +17.2% | -21.6% | -48.2% | -32.6% | -53.0% | -18.0% | -42.2% | +6.9% | +35.1% | -159.9% | -15.4% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Yiren Digital Ltd.'s operating margin was 41.7% in Q3 2025, up 18.9 pp QoQ and up 18.7 pp YoY. This marks the 3rd consecutive quarter of margin expansion, signaling a sustained improvement in operating efficiency. The trailing four-quarter average of 26.2% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 5.0% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 84.8% | 90.4% | 90.4% | 85.5% | 86.4% | 86.1% | 83.5% | 83.1% | 85.5% | 81.3% | 73.8% | 79.7% | 80.6% |
| — | +5.0% | +8.2% | +3.0% | +1.1% | +5.9% | +13.1% | +4.2% | +6.1% | +10.7% | -3.4% | +1.9% | +2.3% | |
| Operating Margin | 28.4% | 41.7% | 22.8% | 19.8% | 20.4% | 22.9% | 47.9% | 41.6% | 53.9% | 52.9% | 50.7% | 55.0% | 58.1% |
| — | +81.7% | -52.5% | -52.5% | -62.2% | -56.6% | -5.5% | -24.4% | -7.2% | +32.5% | +46.7% | +70.7% | +80.4% | |
| Net Margin | 27.3% | 20.4% | 21.4% | 15.9% | 22.8% | 24.0% | 27.4% | 35.3% | 44.8% | 42.3% | 39.8% | 43.3% | 44.6% |
| — | -15.0% | -22.0% | -54.8% | -49.1% | -43.2% | -31.3% | -18.6% | +0.5% | +31.5% | +25.4% | +65.1% | +37.6% |
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 18.0% | 3.1% | 3.6% | 2.6% | 3.5% | 3.9% | 4.7% | 5.8% | 7.3% | 7.6% | 7.9% | 6.8% | 8.4% |
| — | -19.8% | -22.3% | -55.9% | -51.9% | -49.0% | -40.6% | -14.9% | -12.7% | +52.7% | +55.5% | +78.6% | +18.0% | |
| ROA | 13.6% | 2.1% | 2.6% | 1.9% | 2.6% | 2.9% | 3.6% | 4.6% | 5.8% | 5.9% | 5.9% | 5.0% | 5.9% |
| — | -27.4% | -28.2% | -58.7% | -55.2% | -50.6% | -38.8% | -8.3% | -0.9% | +75.1% | +84.5% | — | +35.8% | |
| ROIC | 14.0% | 4.8% | 2.9% | 2.4% | 2.3% | 2.8% | 6.1% | 5.1% | 6.6% | 7.0% | 7.1% | 5.9% | 7.2% |
| — | +71.1% | -52.7% | -53.7% | -64.3% | -60.0% | -13.4% | -13.4% | -8.5% | +73.1% | +86.8% | +87.3% | +67.7% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Yiren Digital Ltd.'s Debt/EBITDA ratio is 0.1x, down from 0.1x last quarter — comfortably within a safe range. The current ratio has improved 96.1% YoY to 8.18x, strengthening the short-term liquidity position.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.06 | 0.07 | 0.13 |
| — | +205.7% | +78.3% | +75.2% | +46.1% | -55.4% | -96.4% | -96.6% | -97.8% | -97.5% | -65.7% | — | -41.7% | |
| Debt / EBITDA | 0.02 | 0.08 | 0.10 | 0.12 | 0.14 | 0.04 | 0.03 | 0.03 | 0.03 | 0.04 | 0.62 | 0.78 | 1.36 |
| — | +78.7% | +274.3% | +271.2% | +301.5% | +11.5% | -95.7% | -95.7% | -97.5% | -98.3% | -81.2% | — | -59.4% | |
| Current Ratio | 5.61 | 8.18 | 3.76 | 4.93 | 5.61 | 4.17 | 4.18 | 4.02 | 6.30 | 5.11 | 18.68 | 24.76 | 5.11 |
| — | +96.1% | -10.2% | +22.9% | -11.0% | -18.5% | -77.6% | -83.8% | +23.3% | -76.6% | +36.1% | — | +23.6% | |
| Quick Ratio | 5.61 | 8.18 | 3.76 | 4.93 | 5.61 | 4.17 | 4.18 | 4.02 | 6.30 | 5.11 | 18.68 | 24.76 | 5.11 |
| — | +96.1% | -10.2% | +22.9% | -11.0% | -18.5% | -77.6% | -83.8% | +23.3% | -76.6% | +36.1% | — | +23.6% | |
| Interest Coverage | — | — | — | — | — | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 44 years · Updated daily
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Start ComparisonYiren Digital Ltd.'s current P/E is 0.7x. The average P/E over the last 4 quarters is 0.2x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Yiren Digital Ltd.'s current operating margin is 28.4%. Margins have been expanding 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.