Yiren Digital Ltd. (YRD)
NYSE: YRD · Real-Time Price · USD
1.050
-0.040 (-3.67%)
At close: Aug 26, 2026, 4:00 PM EDT
1.100
+0.050 (4.76%)
After-hours: Aug 26, 2026, 7:50 PM EDT
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 | 4,321 | 4,933 | 4,923 | 3,919 | 2,658 | 3,717 |
Operating Income Operating Income Growth | 1,675 | 2,145 | 2,516 | 2,622 | 1,493 | 1,287 |
Net Income Net Income Growth | -686.52 | 54.53 | 1,582 | 2,080 | 1,195 | 1,033 |
Earnings Per Share EPS Growth | -7.89 | 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 | 4,848 | 5,214 | 6,195 | 4,435 | 3,078 |
Total Debt Total Debt Growth | 35.29 | 48.85 | 40.77 | 23.65 | 1,001 | 1,441 |
Net Cash (Debt) Net Cash Growth | 2,418 | 4,799 | 5,173 | 6,172 | 3,434 | 1,637 |
Net Cash Growth | -39.64% | -7.22% | -16.18% | 79.74% | 109.69% | 3.98% |
Net Cash Per Share Net Cash Per Share Growth | 27.77 | 54.95 | 59.22 | 69.08 | 39.15 | 19.20 |
| 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 | -430.62 | 703.62 | 1,424 | 2,171 | 1,849 | 158.19 |
Capital Expenditures CapEx Growth | -25.74 | -25.74 | -9.19 | -4.44 | -0.88 | -9.4 |
Free Cash Flow Free Cash Flow Growth | -456.36 | 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 | 85.06% | 86.25% | 84.79% | 80.06% | 77.38% | 83.01% |
Operating Margin | 32.96% | 37.50% | 43.34% | 53.55% | 43.48% | 28.75% |
Pretax Margin | -15.24% | -0.74% | 32.06% | 54.04% | 43.54% | 26.87% |
Profit Margin | -13.51% | 0.95% | 27.25% | 42.49% | 34.79% | 23.07% |
FCF Margin | -8.98% | 11.85% | 24.37% | 44.26% | 53.82% | 3.32% |
| Fiscal Year | Current | FY 2025 | FY 2024 |
|---|---|---|---|
| Period Ending | Aug '26 Aug 27, 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 | 19.05% | 5.95% | 9.33% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Aug '26 Aug 27, 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 | - | 41.01 | 1.93 | 0.94 | 0.68 | 1.48 |
Forward PE | - | 1.11 | 1.11 | 1.11 | 1.11 | 2.45 |
P/FCF Ratio | - | 3.30 | 2.15 | 0.91 | 0.44 | 10.26 |
PS Ratio | 0.12 | 0.39 | 0.53 | 0.40 | 0.24 | 0.34 |