YRDNYSEFinance ServicesFiscal year ends December 31
Yiren Digital Ltd.
Financials through fiscal 2025, year ended Dec 31, 2025Last filing: 20-F on Apr 29, 2026
$0.74−0.01 (-1.84%)
Close on Oct 19, 2026
Margins
Share of revenue, fiscal years 2013 to 2025
Operating margin
-103.9%
Net margin
1.0%+18.4 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | -1.5% | +18.5% | +7.6% | +15.8% | |
| Net income | -96.6% | -64.3% | – | -14.9% | |
| EPS, diluted | -96.6% | -64.2% | – | -16.2% | |
| Free cash flow | -52.1% | -28.4% | +20.4% | -2.2% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | -35.9% | -16.8% | 0.6% | |
| Return on assets | 32.0% | -8.5% | 0.4% | |
| Interest coverage | – | – | – | |
| Capex to revenue | 0.9% | 0.3% | 0.5% | |
| Diluted shares | 178M | 180M | 175M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Yiren Digital generated CN¥6.31B from operations and spent CN¥575.67M on capital expenditure, dividends and share buybacks. 9% of that went back into the business.
Generated
CN¥6.31B
Used
CN¥575.67M
Capital expenditureCN¥49.66M9%DividendsCN¥395.47M69%Share buybacksCN¥130.54M23%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin1.0%
×Asset turnover0.43×
×Equity multiplier1.41×
=Return on equity, FY20250.6%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 1.0% | 0.43× | 1.41× | 0.6% |
| FY2024 | 27.3% | 0.50× | 1.32× | 18.0% |
| FY2023 | 42.5% | 0.52× | 1.33× | 29.5% |
| FY2022 | 34.8% | 0.42× | 1.50× | 22.0% |
| FY2021 | 23.1% | 0.62× | 1.68× | 24.0% |
| FY2020 | -17.5% | 0.48× | 1.98× | -16.8% |
| FY2019 | 13.4% | 0.72× | 5.79× | 56.0% |
| FY2018 | 14.1% | 1.03× | -2.64× | -38.3% |
| FY2017 | -1.6% | 1.88× | -0.82× | 2.5% |
| FY2016 | 34.5% | 0.93× | -1.12× | -35.9% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
4of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zeroCN¥54.53M
- Cash generatingOperating cash flow above zeroCN¥703.62M
- Return on assets improvedROA up on the prior year15.4% → 0.4%
- Earnings backed by cashOperating cash flow above net incomeCN¥703.62M vs CN¥54.53M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise175M → 175M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.56 → 0.44