NYSE : YRD
Yiren Digital Ltd. — Financial statements
Financials · Credit Services · China
Last price 0.4746 USD (Oct 30, 2026, 9:37 AM EDT) · Market cap 41.52M
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Financial statements
Yiren Digital Ltd. (YRD) reported revenue of 4.32B CNY (TTM). Five years of income statement, balance sheet, cash flow and ratios below.
Income statement
Fiscal year January - December; amounts in CNY.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Operating Revenue | 4.31B | 5.72B | 5.81B | 4.90B | 3.43B | 4.48B |
| Other Revenue | 5.24M | |||||
| Revenue | 4.32B | 5.72B | 5.81B | 4.90B | 3.43B | 4.48B |
| Cost of Revenue | 787.95M | 786.39M | 882.96M | 976.17M | 776.84M | 760.86M |
| Gross Profit | 3.53B | 4.93B | 4.92B | 3.92B | 2.66B | 3.72B |
| Selling, General & Admin | 1.07B | 1.48B | 1.47B | 887.74M | 845.77M | 1.85B |
| Research & Development | 434.96M | 406.57M | 411.88M | 148.75M | 151.92M | 208.00M |
| Operating Expenses | 2.72B | 2.79B | 2.41B | 1.30B | 1.16B | 2.43B |
| Operating Income | 811.44M | 2.14B | 2.52B | 2.62B | 1.49B | 1.29B |
| Interest Expense | -26.30M | -73.38M | ||||
| Interest & Investment Income | 76.28M | 86.54M | 105.48M | 80.75M | ||
| Earnings From Equity Investments | -371.00K | -4.56M | -440.00K | |||
| Other Non Operating Income (Expenses) | -2.51B | -2.27B | -759.90M | -57.21M | 28.32M | -10.78M |
| EBT Excluding Unusual Items | -1.62B | -42.58M | 1.86B | 2.65B | 1.50B | 1.20B |
| Pretax Income | -1.62B | -42.58M | 1.86B | 2.65B | 1.50B | 1.20B |
| Income Tax Expense | -125.25M | -97.11M | 279.18M | 565.16M | 300.51M | 170.19M |
| Net Income | -1.49B | 54.53M | 1.58B | 2.08B | 1.19B | 1.03B |
| Net Income to Common | -1.49B | 54.53M | 1.58B | 2.08B | 1.19B | 1.03B |
| Shares Outstanding (Basic) | 87.32M | 86.79M | 86.63M | 88.37M | 87.35M | 84.51M |
| Shares Outstanding (Diluted) | 87.32M | 87.34M | 87.36M | 89.34M | 87.70M | 85.30M |
| EPS (Basic) | -17.07 | 0.63 | 18.27 | 23.54 | 13.68 | 12.22 |
| EPS (Diluted) | -17.07 | 0.62 | 18.11 | 23.28 | 13.63 | 12.11 |
| Free Cash Flow | -1.90B | 677.88M | 1.41B | 2.17B | 1.85B | 148.79M |
| Free Cash Flow Per Share | -21.72 | 7.76 | 16.20 | 24.25 | 21.08 | 1.74 |
| Dividend Per Share | 1.54 | 3.07 | ||||
| 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% |
| Profit Margin | -34.53% | 0.95% | 27.25% | 42.49% | 34.79% | 23.07% |
| Free Cash Flow Margin | -43.93% | 11.85% | 24.37% | 44.26% | 53.82% | 3.32% |
| EBITDA | 826.73M | 2.16B | 2.53B | 2.63B | 1.52B | 1.33B |
| EBITDA Margin | 19.15% | 37.72% | 43.49% | 53.70% | 44.25% | 29.71% |
| D&A For EBITDA | 15.28M | 12.95M | 8.89M | 7.12M | 26.43M | 43.24M |
| EBIT | 811.44M | 2.14B | 2.52B | 2.62B | 1.49B | 1.29B |
| EBIT Margin | 18.79% | 37.50% | 43.34% | 53.55% | 43.48% | 28.75% |
| Effective Tax Rate | 15.00% | 21.36% | 20.10% | 14.14% |
Balance sheet
Fiscal year January - December; amounts in CNY.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 1.70B | 3.35B | 3.84B | 5.79B | 4.27B | 2.86B |
| Short-Term Investments | 1.50B | 1.30B | 327.99M | 162.88M | 213.85M | |
| Trading Asset Securities | 4.47M | 77.43M | 76.05M | |||
| Cash & Short-Term Investments | 1.70B | 4.85B | 5.21B | 6.20B | 4.43B | 3.08B |
| Accounts Receivable | 1.81B | 2.35B | 1.82B | 2.01B | 2.02B | 3.71B |
| Other Receivables | 2.01B | 214.63M | 309.86M | 82.11M | 279.96M | 158.77M |
| Receivables | 3.86B | 4.60B | 4.32B | 2.97B | 2.56B | 3.94B |
| Prepaid Expenses | 2.22B | 141.13M | 57.10M | 17.25M | 4.98M | 35.62M |
| Restricted Cash | 85.18M | 522.71M | 260.27M | 267.27M | 88.80M | 80.80M |
| Other Current Assets | 769.23M | 1.96B | 1.62B | 183.31M | 244.57M | 225.04M |
| Total Current Assets | 8.63B | 12.07B | 11.47B | 9.63B | 7.33B | 7.36B |
| Property, Plant & Equipment | 111.78M | 87.73M | 118.37M | 102.54M | 111.17M | 183.30M |
| Long-Term Investments | 274.97M | 490.75M | 369.02M | 448.50M | 975.44M | 179.56M |
| Goodwill | 4.78M | 4.78M | 4.78M | |||
| Long-Term Deferred Tax Assets | 334.82M | 325.09M | 77.46M | 73.41M | 84.19M | 7.39M |
| Long-Term Deferred Charges | 1.43M | 4.29M | 294.00K | 32.00K | 787.00K | 9.96M |
| Other Long-Term Assets | 225.41M | 472.32M | 940.63M | 15.36M | 32.41M | |
| Total Assets | 9.58B | 13.45B | 12.98B | 10.28B | 8.54B | 7.74B |
| Accounts Payable | 61.29M | 122.79M | 172.41M | 43.77M | 36.60M | 81.78M |
| Accrued Expenses | 351.17M | 140.49M | 384.09M | 291.42M | 466.83M | 642.08M |
| Short-Term Debt | 9.09M | 198.04M | 340.22M | |||
| Current Portion of Leases | 20.32M | 15.56M | 18.98M | 17.95M | 31.85M | |
| Current Income Taxes Payable | 188.47M | 1.15B | 931.19M | 562.84M | 250.44M | |
| Other Current Liabilities | 36.49M | 22.28M | 42.33M | 158.59M | 173.85M | 175.39M |
| Total Current Liabilities | 448.95M | 503.44M | 1.77B | 1.44B | 1.46B | 1.52B |
| Long-Term Debt | 767.90M | 1.03B | ||||
| Long-Term Leases | 33.25M | 19.44M | 25.21M | 4.67M | 17.28M | 40.25M |
| Long-Term Unearned Revenue | 107.00K | 227.00K | 9.48M | 54.04M | 65.54M | 12.38M |
| Long-Term Deferred Tax Liabilities | 32.59M | 29.85M | 41.47M | 122.08M | 79.74M | 112.53M |
| Other Long-Term Liabilities | 2.20B | 3.63B | 1.60B | 566.63M | 118.70M | 202.48M |
| Total Liabilities | 2.72B | 4.18B | 3.44B | 2.19B | 2.51B | 2.92B |
| Common Stock | 133.00K | 133.00K | 132.00K | 130.00K | 129.00K | 123.00K |
| Additional Paid-In Capital | 5.25B | 5.24B | 5.20B | 5.17B | 5.16B | 5.10B |
| Retained Earnings | 3.26B | 4.21B | 4.44B | 2.99B | 908.87M | -247.83M |
| Treasury Stock | -170.69M | -170.69M | -170.46M | -94.85M | -46.73M | -42.90M |
| Comprehensive Income & Other | -1.49B | -2.52M | 79.27M | 23.67M | 7.76M | 11.55M |
| Shareholders' Equity | 6.86B | 9.27B | 9.54B | 8.09B | 6.03B | 4.82B |
| Total Liabilities & Equity | 9.58B | 13.45B | 12.98B | 10.28B | 8.54B | 7.74B |
| Total Debt | 33.25M | 48.85M | 40.77M | 23.65M | 1.00B | 1.44B |
| Net Cash (Debt) | 1.66B | 4.80B | 5.17B | 6.17B | 3.43B | 1.64B |
| Net Cash Per Share | 19.05 | 54.95 | 59.22 | 69.08 | 39.15 | 19.20 |
| Filing Date Shares Outstanding | 87.49M | 87.49M | 86.41M | 86.93M | 88.61M | 85.34M |
| Total Common Shares Outstanding | 87.49M | 87.34M | 95.58M | 87.35M | 89.29M | 85.00M |
| Working Capital | 8.18B | 11.57B | 9.71B | 8.19B | 5.88B | 5.84B |
| Book Value Per Share | 78.31 | 106.16 | 99.83 | 92.56 | 67.54 | 56.72 |
| Tangible Book Value | 6.85B | 9.27B | 9.54B | 8.08B | 6.03B | 4.82B |
| Tangible Book Value Per Share | 78.31 | 106.11 | 99.78 | 92.51 | 67.54 | 56.72 |
| Buildings | 38.46M | 38.46M | 38.46M | 38.46M | ||
| Machinery | 35.21M | 16.85M | 12.60M | 9.64M | 52.03M | |
| Leasehold Improvements | 6.90M | 5.04M | 4.02M | 4.18M | 50.95M |
Cash flow statement
Fiscal year January - December; amounts in CNY.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | -1.49B | 54.53M | 1.58B | 2.08B | 1.19B | 1.03B |
| Depreciation & Amortization | 32.92M | 30.59M | 28.29M | 25.44M | 52.83M | 139.95M |
| Loss (Gain) From Sale of Investments | -1.02M | -1.02M | -2.38M | 13.90M | ||
| Stock-Based Compensation | 30.22M | 30.22M | 16.93M | 6.75M | 22.14M | 19.09M |
| Provision & Write-off of Bad Debts | 899.66M | 899.66M | 523.62M | 261.15M | 166.72M | 370.15M |
| Other Operating Activities | 1.27B | 2.30B | 761.70M | 77.07M | 7.70M | 37.42M |
| Change in Accounts Receivable | -252.19M | -252.19M | -440.71M | -854.24M | 437.64M | -854.02M |
| Change in Accounts Payable | 40.32M | 40.32M | 12.26M | 16.76M | -4.92M | 9.16M |
| Change in Unearned Revenue | -9.25M | -9.25M | -44.56M | -11.50M | 53.16M | -38.52M |
| Change in Other Net Operating Assets | -2.13B | -2.13B | -927.91M | 502.37M | 28.88M | -642.97M |
| Operating Cash Flow | -1.87B | 703.62M | 1.42B | 2.17B | 1.85B | 158.19M |
| Capital Expenditures | -25.74M | -25.74M | -9.19M | -4.44M | -882.00K | -9.40M |
| Sale of Property, Plant & Equipment | 9.00K | 9.00K | 10.00K | 133.00K | 871.00K | 612.00K |
| Cash Acquisitions | -225.00K | -225.00K | -5.05M | |||
| Divestitures | 6.63M | 6.63M | 820.00K | |||
| Investment in Securities | -155.32M | -155.32M | -2.27B | 452.72M | -802.22M | -5.21M |
| Other Investing Activities | 1.03B | -295.62M | -1.10B | -200.00M | ||
| Investing Cash Flow | -249.12M | -1.58B | -3.11B | 100.05M | 52.56M | -346.51M |
| Short-Term Debt Issued | 2.60M | |||||
| Long-Term Debt Issued | 9.34M | 575.90M | ||||
| Total Debt Issued | 9.34M | 9.34M | 578.50M | |||
| Short-Term Debt Repaid | -195.80M | -182.00M | -29.30M | |||
| Long-Term Debt Repaid | -767.90M | -217.70M | -47.80M | |||
| Total Debt Repaid | -963.70M | -399.70M | -77.10M | |||
| Net Debt Issued (Repaid) | 9.34M | 9.34M | -963.70M | -399.70M | 501.40M | |
| Repurchase of Common Stock | -223.00K | -223.00K | -75.61M | -48.12M | -3.84M | -2.75M |
| Common Dividends Paid | -273.13M | -273.13M | -122.33M | |||
| Other Financing Activities | -255.89M | 926.62M | -79.28M | 442.54M | -85.59M | -71.20M |
| Financing Cash Flow | -519.91M | 662.60M | -277.23M | -569.28M | -489.12M | 427.45M |
| Foreign Exchange Rate Adjustments | -31.73M | -20.78M | 9.21M | -3.87M | 2.49M | -936.00K |
| Net Cash Flow | -2.67B | -230.72M | -1.96B | 1.70B | 1.42B | 238.19M |
| Free Cash Flow | -1.90B | 677.88M | 1.41B | 2.17B | 1.85B | 148.79M |
| Free Cash Flow Margin | -43.93% | 11.85% | 24.37% | 44.26% | 53.82% | 3.32% |
| Free Cash Flow Per Share | -21.72 | 7.76 | 16.20 | 24.25 | 21.08 | 1.74 |
| Levered Free Cash Flow | 1.79B | -865.03M | -886.59M | 1.31B | 2.46B | -242.69M |
| Unlevered Free Cash Flow | 1.79B | -865.03M | -886.59M | 1.31B | 2.48B | -196.82M |
| Cash Interest Paid | 190.00K | 190.00K | 62.53M | 121.70M | 85.26M | |
| Cash Income Tax Paid | 264.38M | 264.38M | 140.09M | 165.18M | 78.87M | 63.31M |
| Change in Working Capital | -2.61B | -2.61B | -1.49B | -293.50M | 405.17M | -1.44B |
Ratios
Fiscal year January - December; amounts in CNY.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 36.32M | 319.70M | 417.29M | 276.47M | 116.92M | 240.19M |
| Enterprise Value | -208.57M | -215.90M | -117.88M | -471.38M | -277.23M | 48.31M |
| Last Close Price | 0.42 | 3.70 | 4.50 | 2.83 | 1.24 | 2.59 |
| PE Ratio | 41.01 | 1.93 | 0.94 | 0.68 | 1.48 | |
| Forward PE | 1.11 | 1.11 | 1.11 | 1.11 | 2.45 | |
| PS Ratio | 0.06 | 0.39 | 0.53 | 0.40 | 0.23 | 0.34 |
| PB Ratio | 0.04 | 0.24 | 0.32 | 0.24 | 0.13 | 0.32 |
| P/TBV Ratio | 0.04 | 0.24 | 0.32 | 0.24 | 0.13 | 0.32 |
| P/FCF Ratio | 3.30 | 2.15 | 0.91 | 0.44 | 10.26 | |
| P/OCF Ratio | 3.18 | 2.14 | 0.90 | 0.44 | 9.65 | |
| PEG Ratio | 0.49 | 0.49 | 0.49 | 0.49 | 0.49 | |
| EV/Sales Ratio | 0.07 | |||||
| EV/EBITDA Ratio | 0.23 | |||||
| EV/EBIT Ratio | 0.24 | |||||
| EV/FCF Ratio | 2.06 | |||||
| Debt / Equity Ratio | 0.01 | 0.01 | 0.00 | 0.00 | 0.17 | 0.30 |
| Debt / EBITDA Ratio | 0.04 | 0.02 | 0.02 | 0.01 | 0.65 | 1.00 |
| Debt / FCF Ratio | 0.07 | 0.03 | 0.01 | 0.54 | 9.68 | |
| Net Debt / Equity Ratio | -0.24 | -0.52 | -0.54 | -0.76 | -0.57 | -0.34 |
| Net Debt / EBITDA Ratio | -2.01 | -2.22 | -2.05 | -2.35 | -2.26 | -1.23 |
| Net Debt / FCF Ratio | 0.88 | -7.08 | -3.66 | -2.85 | -1.86 | -11.01 |
| Asset Turnover | 0.36 | 0.43 | 0.50 | 0.52 | 0.42 | 0.62 |
| Quick Ratio | 12.28 | 14.73 | 4.16 | 5.74 | 4.63 | 4.56 |
| Current Ratio | 19.23 | 23.98 | 6.49 | 6.67 | 5.04 | 4.84 |
| Return on Equity (ROE) | -17.75% | 0.58% | 17.95% | 29.47% | 22.02% | 24.02% |
| Return on Assets (ROA) | 4.22% | 10.14% | 13.52% | 17.42% | 11.47% | 11.14% |
| Return on Invested Capital (ROIC) | 14.04% | 48.51% | 68.08% | 91.41% | 41.28% | 41.03% |
| Return on Capital Employed (ROCE) | 8.90% | 16.60% | 22.40% | 29.70% | 21.10% | 20.70% |
| Earnings Yield | -605.54% | 2.44% | 51.95% | 106.11% | 148.17% | 67.70% |
| FCF Yield | -784.49% | 30.31% | 46.45% | 110.52% | 229.23% | 9.75% |
| Dividend Yield | 6.01% | 9.62% | ||||
| Payout Ratio | 500.89% | 7.73% | ||||
| Buyback Yield / Dilution | -0.37% | 0.01% | 2.23% | -1.88% | -2.81% | 5.39% |
| Total Shareholder Return | -0.37% | 6.02% | 11.85% | -1.88% | -2.81% | 5.39% |