Yiren Digital Balance Sheet

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

Millions CNY. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	3,865	3,841	5,791	4,272	2,865	2,470
Short-Term Investments	-	1,295	327.99	162.89	213.85	54.3
Trading Asset Securities	-	77.43	76.05	-	-	-
Cash & Short-Term Investments	3,865	5,214	6,195	4,435	3,078	2,524
Cash Growth	2.54%	-15.85%	39.70%	44.06%	21.95%	-22.93%
Accounts Receivable	6,187	1,818	2,006	2,021	3,707	2,303
Other Receivables	-	308.45	82.11	279.96	158.77	656.24
Receivables	6,660	4,304	2,969	2,559	3,939	3,151
Prepaid Expenses	2,672	57.1	17.25	4.98	35.62	125.6
Restricted Cash	394.92	260.27	267.27	88.8	80.8	237.24
Other Current Assets	716	1,639	198.68	276.98	225.04	149.99
Total Current Assets	14,308	11,474	9,648	7,365	7,359	6,188
Property, Plant & Equipment	125.12	118.37	102.54	111.17	183.3	252.87
Long-Term Investments	503.4	369.02	448.5	975.44	179.56	178.8
Goodwill	-	4.78	4.78	-	-	-
Long-Term Deferred Tax Assets	173.18	77.46	73.41	84.19	7.39	16.75
Long-Term Deferred Charges	6.94	0.29	0.03	0.79	9.96	65.53
Other Long-Term Assets	333.53	938.52	-	-	-	-
Total Assets	15,450	12,983	10,277	8,536	7,739	6,702
Accounts Payable	50.4	172.41	43.77	36.6	81.78	181.09
Accrued Expenses	1,647	375.96	291.42	466.84	642.08	738.37
Short-Term Debt	-	-	-	198.05	340.22	367.13
Current Portion of Leases	-	15.56	18.98	17.95	31.85	62.41
Current Income Taxes Payable	-	1,152	931.19	562.84	250.45	194.41
Other Current Liabilities	51.83	16.48	158.59	173.85	175.39	570.14
Total Current Liabilities	1,750	1,733	1,444	1,456	1,522	2,114
Long-Term Debt	9.26	-	-	767.9	1,029	500.5
Long-Term Leases	42.6	25.21	4.67	17.28	40.25	19.44
Long-Term Unearned Revenue	0.34	9.48	54.04	65.54	12.38	50.9
Long-Term Deferred Tax Liabilities	108.4	41.47	122.08	79.74	112.54	38.74
Other Long-Term Liabilities	3,197	1,631	566.63	118.7	202.48	201.46
Total Liabilities	5,107	3,440	2,191	2,505	2,918	2,925
Common Stock	0.13	0.13	0.13	0.13	0.12	0.12
Additional Paid-In Capital	5,230	5,198	5,171	5,161	5,100	5,058
Retained Earnings	5,213	4,435	2,985	908.87	-247.83	-1,258
Treasury Stock	-170.69	-170.46	-94.85	-46.73	-42.9	-40.15
Comprehensive Income & Other	70.6	79.27	23.67	7.77	11.55	17.11
Shareholders' Equity	10,343	9,542	8,086	6,031	4,821	3,778
Total Liabilities & Equity	15,450	12,983	10,277	8,536	7,739	6,702
Total Debt	51.85	40.77	23.65	1,001	1,441	949.49
Net Cash (Debt)	3,813	5,173	6,172	3,434	1,637	1,575
Net Cash Growth	1.57%	-16.18%	79.74%	109.69%	3.98%	-47.05%
Net Cash Per Share	43.85	59.22	69.08	39.15	19.20	17.47
Filing Date Shares Outstanding	87.09	86.41	86.93	88.61	85.34	83.98
Total Common Shares Outstanding	87.09	95.58	87.35	89.29	85	83.98
Working Capital	12,559	9,742	8,204	5,908	5,837	4,075
Book Value Per Share	118.76	99.83	92.56	67.54	56.72	44.98
Tangible Book Value	10,343	9,538	8,081	6,031	4,821	3,778
Tangible Book Value Per Share	118.76	99.78	92.51	67.54	56.72	44.98
Buildings	-	38.46	38.46	38.46	38.46	38.46
Machinery	-	16.85	12.6	9.64	52.03	211.11
Leasehold Improvements	-	5.04	4.02	4.18	50.95	70.28

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