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Yiren Digital Ltd. (YRD)
NYSE: YRD · Real-Time Price · USD
0.9478
-0.0093 (-0.97%)
At close: Oct 5, 2026, 4:00 PM EDT
0.9400
-0.0078 (-0.82%)
After-hours: Oct 5, 2026, 7:30 PM EDT

Yiren Digital Financials Overview

Millions CNY. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
4,3185,7195,8064,8963,4354,478
Revenue Growth
-29.65%-1.49%18.59%42.54%-23.30%13.02%
Gross Profit
3,5304,9334,9233,9192,6583,717
Operating Income
811.442,1452,5162,6221,4931,287
Net Income
-1,49154.531,5822,0801,1951,033
Earnings Per Share
-17.070.6218.1123.2813.6312.11
EPS Growth
--96.55%-22.20%70.88%12.50%-

Revenue by Segment
Chart
Fiscal YearFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingDec '25 Dec '24 Dec '23 Dec '22 Dec '21
Credit Solution Business
5,0403,4732,5151,9603,184
Insurance Brokerage Business
297.59408.37963.82731.8755.69
Others
381.61,9241,417--
Total
5,7195,8064,8963,4354,478

Cash & Debt
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
1,6974,8485,2146,1954,4353,078
Total Debt
33.2548.8540.7723.651,0011,441
Net Cash (Debt)
1,6634,7995,1736,1723,4341,637
Net Cash Growth
-59.03%-7.22%-16.18%79.74%109.69%3.98%
Net Cash Per Share
19.0554.9559.2269.0839.1519.20

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
-1,871703.621,4242,1711,849158.19
Capital Expenditures
-25.74-25.74-9.19-4.44-0.88-9.4
Free Cash Flow
-1,897677.881,4152,1671,849148.79
Free Cash Flow Growth
--52.09%-34.69%17.20%1142.40%-44.55%

Margins
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Gross Margin
81.75%86.25%84.79%80.06%77.38%83.01%
Operating Margin
18.79%37.50%43.34%53.55%43.48%28.75%
Pretax Margin
-37.52%-0.74%32.06%54.04%43.54%26.87%
Profit Margin
-34.53%0.95%27.25%42.49%34.79%23.07%
FCF Margin
-43.93%11.85%24.37%44.26%53.82%3.32%

Dividends
Chart
Fiscal YearFY 2025FY 2024
Period EndingDec '25 Dec '24
Dividend Per Share
1.5393.066
Dividend Per Share Growth
-49.80%-
Dividend Yield
5.95%9.33%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingOct '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
-41.011.930.940.681.48
Forward PE
-1.111.111.111.112.45
P/FCF Ratio
-3.302.150.910.4410.26
PS Ratio
0.130.390.530.400.240.34