Yiren Digital Ltd. (YRD)
NYSE: YRD · Real-Time Price · USD
1.140
+0.020 (1.79%)
Aug 6, 2026, 10:14 AM EDT - Market open
Yiren Digital Financials Overview
Financials in millions CNY. Fiscal year is January - December.
Millions CNY. Fiscal year is Jan - Dec.
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Mar '26 Mar 31, 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 |
Revenue Revenue Growth | 5,080 | 5,719 | 5,806 | 4,896 | 3,435 | 4,478 |
Revenue Growth | -15.09% | -1.49% | 18.59% | 42.54% | -23.30% | 13.02% |
Gross Profit Gross Profit Growth | 5,080 | 5,719 | 5,806 | 4,896 | 3,435 | 4,478 |
Operating Income Operating Income Growth | -907.57 | 11,660 | 9,965 | 7,196 | 5,397 | 7,669 |
Net Income Net Income Growth | -701.69 | 54.53 | 1,582 | 2,080 | 1,195 | 1,033 |
Earnings Per Share EPS Growth | -7.98 | 0.62 | 18.11 | 23.28 | 13.63 | 12.11 |
EPS Growth | - | -96.55% | -22.20% | 70.88% | 12.50% | - |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Mar '26 Mar 31, 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 |
Credit Solution Business Credit Solution Business Growth | 4,541 | 5,040 | 3,473 | 2,515 | 1,960 | 3,184 |
Insurance Brokerage Business Insurance Brokerage Business Growth | 313.29 | 297.59 | 408.37 | 963.82 | 731.8 | 755.69 |
Others Others Growth | 225.25 | 381.6 | 1,924 | 1,417 | - | - |
Total Total Growth | 5,080 | 5,719 | 5,806 | 4,896 | 3,435 | 4,478 |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Mar '26 Mar 31, 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 |
Cash & Investments Cash & Investments Growth | 2,453 | 3,348 | 3,841 | 5,867 | 4,272 | 2,865 |
Total Debt Total Debt Growth | 35.29 | 39.76 | 40.77 | 23.65 | 803.13 | 1,101 |
Net Cash (Debt) Net Cash Growth | 2,418 | 3,308 | 3,801 | 5,844 | 3,469 | 1,764 |
Net Cash Growth | -39.64% | -12.95% | -34.96% | 68.47% | 96.66% | -6.55% |
Net Cash Per Share Net Cash Per Share Growth | 27.65 | 37.88 | 43.51 | 65.41 | 39.55 | 20.68 |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Mar '26 Mar 31, 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 |
Operating Cash Flow Operating Cash Flow Growth | -447.49 | 703.62 | 1,424 | 2,171 | 1,849 | 158.19 |
Capital Expenditures CapEx Growth | - | -25.74 | -9.19 | -4.44 | -0.88 | -9.4 |
Free Cash Flow Free Cash Flow Growth | -447.49 | 677.88 | 1,415 | 2,167 | 1,849 | 148.79 |
Free Cash Flow Growth | - | -52.09% | -34.69% | 17.20% | 1142.40% | -44.55% |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Mar '26 Mar 31, 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 |
Gross Margin | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
Operating Margin | -17.87% | 203.88% | 171.63% | 147.00% | 157.15% | 171.25% |
Pretax Margin | -15.47% | -0.66% | 32.07% | 54.04% | 43.54% | 26.87% |
Profit Margin | -13.73% | -2.36% | 36.88% | 65.58% | 52.29% | 30.67% |
FCF Margin | -8.81% | 11.85% | 24.37% | 44.26% | 53.82% | 3.32% |
| Fiscal Year | Current | FY 2025 | FY 2024 |
|---|---|---|---|
| Period Ending | Aug '26 Aug 6, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 |
Dividend Per Share Dividend Per Share Growth | 0.200 | 1.539 | 3.066 |
Dividend Per Share Growth | 135.29% | -49.80% | - |
Dividend Yield | 18.02% | 12.16% | 4.03% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Aug '26 Aug 6, 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 |
PE Ratio | - | 41.46 | 1.93 | 0.95 | 0.69 | 1.50 |
Forward PE | - | 1.11 | 1.11 | 1.11 | 1.11 | 2.45 |
P/FCF Ratio | - | 3.34 | 2.14 | 0.89 | 0.46 | 10.38 |
PS Ratio | 0.13 | 0.40 | 0.52 | 0.39 | 0.25 | 0.35 |