Yiren Digital Ltd. (YRD) quarterly income statement — complete revenue, gross profit & net income history
Yiren Digital Ltd. (YRD) annual income statement — 13-year revenue, gross profit & net income history
| Metric | 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 |
|---|
| Net Interest Income | 12.31M | 12.42M | 14.27M | 19.6M | 0 | 24.21M | 31.22M | 21.88M | 24.67M | 27.71M | 29.88M | 0 | 0 | 14.52M | 0 | -378K | 0 | 0 | 0 | -21.57M |
| NII Growth % | - | -48.68% | -54.28% | -10.4% | -100% | -12.65% | 4.48% | - | - | 90.87% | - | 100% | - | - | - | 98.25% | - | - | -100% | -295.99% |
| Net Interest Margin % | 0.13% | 0.1% | 0.11% | 0.13% | 0% | 0.18% | 0.24% | 0.18% | 0.21% | 0.25% | 0.29% | 0% | 0% | 0.17% | 0% | -0% | 0% | - | 0% | -0.29% |
| Interest Income | 12.31M | 12.42M | 14.27M | 19.6M | 0 | 24.21M | 31.22M | 21.88M | 24.67M | 27.71M | 29.88M | 0 | 0 | 14.52M | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest Expense | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 378K | 0 | 0 | 0 | 21.57M |
| Loan Loss Provision | 189.61M | 197.55M | 256.8M | 149.91M | 160.86M | 224.74M | 197.23M | 205.91M | 246.54M | 233.27M | 184.7M | 245.36M | 346.37M | 199.75M | 211.59M | 223.24M | 188.69M | 152.94M | 216.75M | 165.35M |
| Non-Interest Income | 877.67M | 902.72M | 931.17M | 1.54B | 1.67B | 1.53B | 1.42B | 1.46B | 1.47B | 1.35B | 1.24B | 1.31B | 1.32B | 971.82M | 1.09B | 840.65M | 801.12M | 704.76M | 1.02B | 1.23B |
| Non-Interest Income % | 98.62% | 98.64% | 98.49% | 98.74% | 100% | 98.44% | 97.85% | 98.52% | 98.35% | 97.99% | 97.66% | 100% | 100% | 98.53% | 100% | 100.04% | 100% | 100% | 100% | 101.78% |
| Total Net Revenue | 889.98M | 915.14M | 945.45M | 1.55B | 1.67B | 1.55B | 1.45B | 1.48B | 1.5B | 1.38B | 1.27B | 1.31B | 1.32B | 986.34M | 1.09B | 840.28M | 801.12M | 704.76M | 1.02B | 1.21B |
| Revenue Growth % | -46.85% | -41.13% | -34.9% | 5.13% | 11.89% | 12.8% | 13.96% | 12.84% | 13.01% | 39.72% | 17.12% | 55.99% | 65.29% | 39.95% | 6.58% | -30.58% | -28.79% | -35.93% | -12.05% | 18.35% |
| Non-Interest Expense | 1.05B | 469.43M | 732.66M | 757.05M | 1.13B | 1.02B | 959.17M | 933.9M | 532.87M | 571.01M | 402.51M | 371.97M | 306.53M | 243.67M | 244.43M | 281.43M | 335.5M | 324.56M | 475.39M | 630.07M |
| Efficiency Ratio | 118.19% | 51.3% | 77.49% | 48.69% | 67.61% | 65.76% | 66.05% | 63.14% | 35.61% | 41.44% | 31.59% | 28.38% | 23.15% | 24.7% | 22.46% | 33.49% | 41.88% | 46.05% | 46.56% | 52.05% |
| Operating Income | -351.53M | 248.16M | -44.01M | 648.01M | 381.5M | 307.48M | 295.79M | 339.27M | 717.13M | 573.8M | 687.1M | 693.44M | 671.31M | 542.93M | 632.05M | 335.61M | 276.94M | 227.27M | 328.8M | 415M |
| Operating Margin % | -39.5% | 27.12% | -4.66% | 41.67% | 22.78% | 19.78% | 20.37% | 22.94% | 47.92% | 41.64% | 53.92% | 52.9% | 50.7% | 55.04% | 58.09% | 39.94% | 34.57% | 32.25% | 32.21% | 34.29% |
| Operating Income Growth % | -192.14% | -19.29% | -114.88% | 91% | -46.8% | -46.41% | -56.95% | -51.07% | 6.82% | 5.69% | 8.71% | 106.62% | 142.4% | 138.9% | 92.23% | -19.13% | -2.61% | -12.31% | 286.84% | 266.08% |
| Pretax Income | -424.56M | -457.69M | -1.11B | 373.69M | 421.42M | 273.98M | 342.15M | 400.11M | 501.56M | 617.66M | 712.09M | 716.33M | 667.11M | 549.84M | 644.52M | 340.34M | 296.65M | 213.87M | 325.4M | 396.85M |
| Pretax Margin % | -47.7% | -50.01% | -117.61% | 24.03% | 25.17% | 17.62% | 23.56% | 27.05% | 33.51% | 44.82% | 55.88% | 54.65% | 50.38% | 55.74% | 59.23% | 40.5% | 37.03% | 30.35% | 31.87% | 32.79% |
| Income Tax | 25.06M | 37.02M | -241.92M | 56.05M | 63.88M | 26.35M | 10.7M | 44.66M | 92.04M | 131.78M | 140.82M | 161.92M | 139.76M | 122.67M | 159.28M | 70.02M | 42.16M | 29.04M | -5.37M | 75.92M |
| Effective Tax Rate % | -5.9% | -8.09% | 21.76% | 15% | 15.16% | 9.62% | 3.13% | 11.16% | 18.35% | 21.34% | 19.78% | 22.6% | 20.95% | 22.31% | 24.71% | 20.57% | 14.21% | 13.58% | -1.65% | 19.13% |
| Net Income | -446.79M | -493.54M | -869.98M | 317.64M | 357.54M | 247.51M | 331.45M | 355.44M | 409.53M | 485.88M | 571.27M | 554.41M | 527.35M | 427.17M | 485.24M | 270.32M | 254.49M | 184.83M | 330.76M | 320.93M |
| Net Margin % | -50.2% | -53.93% | -92.02% | 20.43% | 21.35% | 15.92% | 22.82% | 24.03% | 27.37% | 35.26% | 44.83% | 42.3% | 39.82% | 43.31% | 44.6% | 32.17% | 31.77% | 26.23% | 32.4% | 26.51% |
| Net Income Growth % | -224.96% | -299.41% | -362.48% | -10.64% | -12.69% | -49.06% | -41.98% | -35.89% | -22.34% | 13.75% | 17.73% | 105.1% | 107.22% | 131.12% | 46.7% | -15.77% | 27.19% | 1.99% | 159.11% | 301.98% |
| Net Income (Continuing) | -449.62M | -494.71M | -869.98M | 317.64M | 357.54M | 247.51M | 331.45M | 355.44M | 409.53M | 485.88M | 571.27M | 554.41M | 527.35M | 427.17M | 485.24M | 270.32M | 254.49M | 184.83M | 330.76M | 320.93M |
| EPS (Diluted) | -5.10 | -5.64 | -9.96 | 3.64 | 4.11 | 2.85 | 3.82 | 4.04 | 4.69 | 5.52 | 6.45 | 6.22 | 5.89 | 4.74 | 5.40 | 3.01 | 2.98 | 2.16 | 3.86 | 3.74 |
| EPS Growth % | -224.09% | -297.89% | -360.73% | -9.9% | -12.37% | -48.37% | -40.78% | -35.05% | -20.37% | 16.46% | 19.44% | 106.64% | 97.65% | 119.44% | 39.9% | -19.52% | 25.74% | 0.93% | 157.96% | 329.89% |
| EPS (Basic) | -5.10 | -5.64 | -9.96 | 3.66 | 4.14 | 2.86 | 3.84 | 4.06 | 4.69 | 5.58 | 6.51 | 6.27 | 5.96 | 4.81 | 5.42 | 3.01 | 2.99 | 2.17 | 3.89 | 3.77 |
| Diluted Shares Outstanding | 87.49M | 87.48M | 87.14M | 87.58M | 87.05M | 86.97M | 86.86M | 88.02M | 87.36M | 88.1M | 88.55M | 89.18M | 89.56M | 90.09M | 89.81M | 89.92M | 85.44M | 85.54M | 85.59M | 85.79M |