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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Apr '26 Apr 22, 2026	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
Market Capitalization	153	272	403	250	109	211
Market Cap Growth	-64.21%	-32.44%	61.14%	128.64%	-48.20%	-16.65%
Enterprise Value	-250	-184	-114	-426	-259	42
Last Close Price	1.76	3.16	4.33	2.43	1.12	2.04
PE Ratio	31.09	55.18	1.93	0.94	0.68	1.48
PS Ratio	0.22	0.39	0.53	0.40	0.24	0.34
PB Ratio	0.14	0.24	0.32	0.24	0.13	0.32
P/TBV Ratio	0.14	0.25	0.32	0.24	0.13	0.32
P/FCF Ratio	-	3.26	2.15	0.91	0.44	10.26
P/OCF Ratio	1.83	3.26	2.14	0.90	0.44	9.65
EV/Sales Ratio	-	-	-	-	-	0.07
EV/EBITDA Ratio	-	-	-	-	-	0.23
EV/EBIT Ratio	-	-	-	-	-	0.24
EV/FCF Ratio	-	-	-	-	-	2.06
Debt / Equity Ratio	0.00	0.00	0.00	0.00	0.17	0.30
Debt / EBITDA Ratio	0.02	0.02	0.02	0.01	0.65	1.00
Debt / FCF Ratio	0.06	0.06	0.03	0.01	0.54	9.68
Net Debt / Equity Ratio	-0.36	-0.36	-0.54	-0.76	-0.57	-0.34
Net Debt / EBITDA Ratio	-1.53	-1.53	-2.05	-2.35	-2.26	-1.23
Net Debt / FCF Ratio	-4.82	-4.82	-3.66	-2.85	-1.86	-11.00
Asset Turnover	0.43	0.43	0.50	0.52	0.42	0.62
Quick Ratio	16.28	16.28	4.24	5.74	4.63	4.56
Current Ratio	22.99	22.99	6.62	6.68	5.06	4.84
Return on Equity (ROE)	0.43%	0.43%	17.95%	29.47%	22.02%	24.02%
Return on Assets (ROA)	10.17%	10.17%	13.52%	17.42%	11.47%	11.14%
Return on Invested Capital (ROIC)	34.42%	41.62%	68.08%	91.41%	41.28%	41.03%
Return on Capital Employed (ROCE)	16.60%	16.60%	22.40%	29.70%	21.10%	20.70%
Earnings Yield	3.22%	1.81%	51.95%	106.11%	148.17%	67.70%
FCF Yield	-	30.71%	46.45%	110.52%	229.23%	9.75%
Dividend Yield	19.66%	-	9.38%	-	-	-
Payout Ratio	-	-	7.73%	-	-	-
Buyback Yield / Dilution	0.01%	0.01%	2.23%	-1.88%	-2.81%	5.39%
Total Shareholder Return	19.67%	0.01%	11.60%	-1.88%	-2.81%	5.39%

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