Last 45 quarters of trend data · Financial Services · Financial - Credit Services
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 8.66 | — | 0.41 | 0.36 | 0.60 | 0.31 | 0.35 | 0.24 | 0.20 | 0.12 | 0.10 | 0.10 | 0.11 |
| — | — | +15.7% | +47.9% | +195.5% | +159.8% | +260.5% | +149.5% | +81.8% | +90.7% | +9.9% | -35.9% | -61.8% | |
| P/S Ratio | 0.12 | 0.04 | 0.08 | 0.08 | 0.10 | 0.07 | 0.08 | 0.07 | 0.07 | 0.05 | 0.04 | 0.04 | 0.05 |
| — | -40.6% | -1.4% | +15.4% | +33.5% | +32.4% | +104.8% | +71.5% | +48.2% | +91.7% | +44.5% | -19.7% | -36.9% | |
| P/B Ratio | 0.04 | 0.02 | 0.05 | 0.05 | 0.06 | 0.04 | 0.05 | 0.04 | 0.05 | 0.03 | 0.03 | 0.03 | 0.03 |
| — | -60.2% | -6.9% | +16.0% | +32.8% | +27.9% | +87.4% | +51.0% | +55.2% | +67.5% | +66.0% | -0.1% | -33.9% | |
| P/FCF | 1.00 | — | — | 0.31 | 0.31 | — | — | 0.27 | 0.16 | — | — | 0.07 | 0.12 |
| — | — | — | +15.8% | +98.8% | — | — | +277.2% | +27.9% | — | — | +23.3% | -16.8% | |
| EV / EBITDA | -1.46 | — | -1.26 | -2.31 | -2.77 | -2.86 | -2.33 | -1.77 | -2.39 | -1.99 | -1.87 | -1.93 | -2.05 |
| — | — | +45.8% | -30.8% | -16.0% | -43.5% | -24.7% | +8.3% | -16.6% | -57.5% | +4.8% | +32.8% | -158.0% | |
| EV / EBIT | -1.47 | — | -1.27 | -2.33 | -2.77 | -2.86 | -2.35 | -2.90 | -2.39 | -2.00 | -1.87 | -1.93 | -2.06 |
| — | — | +45.9% | +19.8% | -15.9% | -43.1% | -25.5% | -50.1% | -16.3% | -41.2% | +7.2% | +34.8% | -156.7% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Yiren Digital Ltd.'s operating margin was -4.7% in Q4 2025, down 46.3 pp QoQ and down 25.0 pp YoY. The trailing four-quarter average of 19.9% exceeds the current quarter, suggesting the latest result may reflect seasonal weakness or a one-off headwind. Gross margin contracted 15.7% YoY, suggesting cost inflation or competitive pricing pressure.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 85.8% | 72.8% | 90.4% | 90.4% | 85.5% | 86.4% | 86.1% | 83.5% | 83.1% | 85.5% | 81.3% | 73.8% | 79.7% |
| — | -15.7% | +5.0% | +8.2% | +3.0% | +1.1% | +5.9% | +13.1% | +4.2% | +6.1% | +10.7% | -3.4% | +1.9% | |
| Operating Margin | 38.5% | -4.7% | 41.7% | 22.8% | 19.8% | 20.4% | 22.9% | 47.9% | 41.6% | 53.9% | 52.9% | 50.7% | 55.0% |
| — | -122.9% | +81.7% | -52.5% | -52.5% | -62.2% | -56.6% | -5.5% | -24.4% | -7.2% | +32.5% | +46.7% | +70.7% | |
| Net Margin | 0.7% | -92.0% | 20.4% | 21.4% | 15.9% | 22.8% | 24.0% | 27.4% | 35.3% | 44.8% | 42.3% | 39.8% | 43.3% |
| — | -503.2% | -15.0% | -22.0% | -54.8% | -49.1% | -43.2% | -31.3% | -18.6% | +0.5% | +31.5% | +25.4% | +65.1% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 0.4% | -8.9% | 3.1% | 3.6% | 2.6% | 3.5% | 3.9% | 4.7% | 5.8% | 7.3% | 7.6% | 7.9% | 6.8% |
| — | -351.9% | -19.8% | -22.3% | -55.9% | -51.9% | -49.0% | -40.6% | -14.9% | -12.7% | +52.7% | +55.5% | +78.6% | |
| ROA | 0.3% | -6.0% | 2.1% | 2.6% | 1.9% | 2.6% | 2.9% | 3.6% | 4.6% | 5.8% | 5.9% | 5.9% | 5.0% |
| — | -331.0% | -27.4% | -28.2% | -58.7% | -55.2% | -50.6% | -38.8% | -8.3% | -0.9% | +75.1% | +84.5% | — | |
| ROIC | 17.0% | -0.3% | 4.8% | 2.9% | 2.4% | 2.3% | 2.8% | 6.1% | 5.1% | 6.6% | 7.0% | 7.1% | 5.9% |
| — | -114.3% | +71.1% | -52.7% | -53.7% | -64.3% | -60.0% | -13.4% | -13.4% | -8.5% | +73.1% | +86.8% | +87.3% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
The current ratio has improved 5674.0% YoY to 323.65x, strengthening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.00 | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.06 | 0.07 |
| — | +0.4% | +205.7% | +78.3% | +75.2% | +46.1% | -55.4% | -96.4% | -96.6% | -97.8% | -97.5% | -65.7% | — | |
| 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 |
| — | — | +78.7% | +271.7% | +271.2% | +301.5% | +11.5% | -95.7% | -95.7% | -97.2% | -98.3% | -80.6% | — | |
| Current Ratio | 323.65 | 323.65 | 8.18 | 3.76 | 4.93 | 5.61 | 4.17 | 4.18 | 4.02 | 6.30 | 5.11 | 18.68 | 24.76 |
| — | +5674.0% | +96.1% | -10.2% | +22.9% | -11.0% | -18.5% | -77.6% | -83.8% | +23.3% | -76.6% | +36.1% | — | |
| Quick Ratio | 323.65 | 323.65 | 8.18 | 3.76 | 4.93 | 5.61 | 4.17 | 4.18 | 4.02 | 6.30 | 5.11 | 18.68 | 24.76 |
| — | +5674.0% | +96.1% | -10.2% | +22.9% | -11.0% | -18.5% | -77.6% | -83.8% | +23.3% | -76.6% | +36.1% | — | |
| Interest Coverage | — | — | — | — | — | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 45 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 8.7x. The average P/E over the last 3 quarters is 0.5x. 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.