Yiren Digital Ratios and Metrics

Market cap in millions EUR. Fiscal year is January - December.

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Feb '26 Feb 19, 2026	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
Market Capitalization	281	403	250	109	211	253
Market Cap Growth	-41.66%	61.14%	128.64%	-48.20%	-16.65%	-45.63%
Enterprise Value	-174	-114	-426	-259	42	-72
Last Close Price	3.14	4.33	2.43	1.12	2.04	2.23
PE Ratio	1.87	1.93	0.94	0.68	1.48	-
PS Ratio	0.38	0.53	0.40	0.24	0.34	0.51
PB Ratio	0.23	0.32	0.24	0.13	0.32	0.54
P/TBV Ratio	0.23	0.32	0.24	0.13	0.32	0.54
P/FCF Ratio	1.88	2.15	0.91	0.44	10.26	7.54
P/OCF Ratio	1.87	2.14	0.90	0.44	9.65	7.18
EV/Sales Ratio	-	-	-	-	0.07	-
EV/EBITDA Ratio	-	-	-	-	0.23	-
EV/EBIT Ratio	-	-	-	-	0.24	-
EV/FCF Ratio	-1.16	-	-	-	2.06	-
Debt / Equity Ratio	0.01	0.00	0.00	0.17	0.30	0.25
Debt / EBITDA Ratio	0.02	0.02	0.01	0.65	1.00	3.30
Debt / FCF Ratio	0.04	0.03	0.01	0.54	9.68	3.54
Net Debt / Equity Ratio	-0.37	-0.54	-0.76	-0.57	-0.34	-0.42
Net Debt / EBITDA Ratio	-1.43	-2.05	-2.35	-2.26	-1.23	-37.70
Net Debt / FCF Ratio	-3.05	-3.66	-2.85	-1.86	-11.00	-5.87
Asset Turnover	0.45	0.50	0.52	0.42	0.62	0.49
Quick Ratio	5.75	4.24	5.74	4.63	4.56	2.59
Current Ratio	8.18	6.62	6.68	5.06	4.84	2.93
Return on Equity (ROE)	12.78%	17.95%	29.47%	22.02%	24.02%	-16.76%
Return on Assets (ROA)	11.90%	13.52%	17.42%	11.47%	11.14%	-0.38%
Return on Invested Capital (ROIC)	37.94%	68.08%	91.41%	41.28%	41.03%	-2.69%
Return on Capital Employed (ROCE)	19.40%	22.40%	29.70%	21.10%	20.70%	-1.10%
Earnings Yield	53.45%	51.95%	106.11%	148.17%	67.70%	-34.23%
FCF Yield	53.20%	46.45%	110.52%	229.23%	9.75%	13.26%
Dividend Yield	11.02%	9.38%	-	-	-	-
Payout Ratio	20.04%	7.73%	-	-	-	-
Buyback Yield / Dilution	1.11%	2.23%	-1.88%	-2.81%	5.39%	3.34%
Total Shareholder Return	12.71%	11.60%	-1.88%	-2.81%	5.39%	3.34%

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