Yiren Digital Income Statement

Financials in millions CNY. Fiscal year is January - December.

Millions CNY. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Revenue	5,706	5,806	4,896	3,435	4,478
Other Revenue	13.12	-	-	-	-
Revenue	5,719	5,806	4,896	3,435	4,478
Revenue Growth (YoY)	-1.49%	18.59%	42.54%	-23.30%	13.02%
Cost of Revenue	786.39	882.96	976.17	776.84	760.86
Gross Profit	4,933	4,923	3,919	2,658	3,717
Selling, General & Admin	1,483	1,471	887.74	845.77	1,852
Research & Development	406.57	411.88	148.75	151.92	208
Operating Expenses	2,783	2,407	1,298	1,164	2,430
Operating Income	2,150	2,516	2,622	1,493	1,287
Interest Expense	-	-	-	-26.3	-73.38
Interest & Investment Income	87.82	105.48	80.75	-	-
Earnings From Equity Investments	-4.56	-0.44	-	-	-
Other Non Operating Income (Expenses)	-2,292	-759.9	-57.21	28.32	-10.78
EBT Excluding Unusual Items	-58.5	1,861	2,645	1,495	1,203
Pretax Income	-58.5	1,861	2,645	1,495	1,203
Income Tax Expense	-99.03	279.18	565.16	300.51	170.19
Net Income	40.53	1,582	2,080	1,195	1,033
Net Income to Common	40.53	1,582	2,080	1,195	1,033
Net Income Growth	-97.44%	-23.94%	74.09%	15.67%	-
Shares Outstanding (Basic)	87	87	88	87	85
Shares Outstanding (Diluted)	87	87	89	88	85
Shares Change (YoY)	-0.01%	-2.23%	1.88%	2.81%	-5.39%
EPS (Basic)	0.47	18.27	23.54	13.68	12.22
EPS (Diluted)	0.46	18.11	23.28	13.63	12.11
EPS Growth	-97.44%	-22.20%	70.88%	12.50%	-
Free Cash Flow	686.75	1,415	2,167	1,849	148.79
Free Cash Flow Per Share	7.86	16.20	24.25	21.08	1.74
Dividend Per Share	-	3.066	-	-	-
Gross Margin	86.25%	84.79%	80.06%	77.38%	83.01%
Operating Margin	37.60%	43.34%	53.55%	43.48%	28.75%
Profit Margin	0.71%	27.25%	42.49%	34.79%	23.07%
Free Cash Flow Margin	12.01%	24.37%	44.26%	53.82%	3.32%
EBITDA	2,163	2,525	2,629	1,520	1,331
EBITDA Margin	37.82%	43.49%	53.70%	44.25%	29.71%
D&A For EBITDA	12.95	8.89	7.12	26.43	43.24
EBIT	2,150	2,516	2,622	1,493	1,287
EBIT Margin	37.60%	43.34%	53.55%	43.48%	28.75%
Effective Tax Rate	-	15.00%	21.36%	20.10%	14.14%
Revenue as Reported	5,719	-	-	-	-

Source: S&P Global Market Intelligence. Standard template. Financial Sources.