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
Yiren Digital statistics
Financials through Dec 31, 2025, price-based ratios appear once a share price is available, median of Finance Services companies for comparison
Income (trailing twelve months)
| Measure | Yiren Digital | Industry median |
|---|---|---|
| Revenue | CN¥5.72B | CN¥134.31M |
| Operating Income | -CN¥5.94B | -CN¥85.75M |
| Pretax Income | -CN¥38.02M | CN¥739.30M |
| Net Income | CN¥54.53M | CN¥1.09B |
| EBITDA | -CN¥5.93B | CN¥11.27M |
| EPS (Diluted) | 0.31 CNY | 1.92 CNY |
Margins
| Measure | Yiren Digital | Industry median |
|---|---|---|
| Operating Margin | -103.9% | -47.7% |
| Pretax Margin | -0.66% | 22.9% |
| Profit Margin | 0.95% | 75.0% |
| EBITDA Margin | -103.7% | 8.39% |
| FCF Margin | 11.9% | 56.5% |
Returns
| Measure | Yiren Digital | Industry median |
|---|---|---|
| Return on Equity (ROE) | 0.58% | 11.1% |
| Return on Assets (ROA) | 0.41% | 7.90% |
| Return on Invested Capital (ROIC) | -80.7% | -1.07% |
Growth
| Measure | Yiren Digital | Industry median |
|---|---|---|
| Revenue Growth (YoY) | -1.49% | 1.18% |
| Net Income Growth (YoY) | -96.6% | 26.0% |
| EPS Growth (YoY) | -96.6% | 11.8% |
| FCF Growth (YoY) | -52.1% | -6.77% |
| Revenue Growth (3Y CAGR) | 18.5% | 3.01% |
| Revenue Growth (5Y CAGR) | 7.62% | 7.20% |
| EPS Growth (3Y CAGR) | -64.2% | 15.5% |
Balance sheet
| Measure | Yiren Digital | Industry median |
|---|---|---|
| Cash & Short-Term Investments | CN¥3.35B | CN¥1.57B |
| Total Debt | CN¥9.09M | CN¥409.53M |
| Net Cash (Debt) | CN¥3.34B | CN¥851.82M |
| Net Cash Per Share | 19.12 CNY | 1.76 CNY |
| Equity (Book Value) | CN¥9.27B | CN¥7.84B |
| Book Value Per Share | 53.08 CNY | 16.71 CNY |
| Tangible Book Value | CN¥9.27B | CN¥7.80B |
Financial position
| Measure | Yiren Digital | Industry median |
|---|---|---|
| Debt / Equity | 0.00 | 0.09 |
| Debt / FCF | 0.01 | 0.30 |
Cash flow (trailing twelve months)
| Measure | Yiren Digital | Industry median |
|---|---|---|
| Operating Cash Flow | CN¥703.62M | CN¥703.62M |
| Capital Expenditures | -CN¥25.74M | -CN¥84.19M |
| Free Cash Flow | CN¥677.88M | CN¥677.88M |
| FCF Per Share | 3.88 CNY | 3.08 CNY |
Efficiency
| Measure | Yiren Digital | Industry median |
|---|---|---|
| Asset Turnover | 0.43 | 0.18 |
| Revenue Per Employee | CN¥52.96M | CN¥821.00K |
| Profits Per Employee | CN¥504.91K | CN¥831.53K |
| Employee Count | 108 | 643 |
Dividends and yields
| Measure | Yiren Digital | Industry median |
|---|---|---|
| Payout Ratio | 500.9% | |
| FCF Payout Ratio | 40.3% |
Shares
| Measure | Yiren Digital | Industry median |
|---|---|---|
| Shares Outstanding | 174,681,000 | 469,036,000 |
| Shares Change (YoY) | -0.02% | 1.06% |
| Float | 28,720,200 | 194,899,000 |
| Shares Held by Insiders | 83.6% | 40.2% |
| Shares Held by Institutions | 1.17% | 0.72% |
Taxes
| Measure | Yiren Digital | Industry median |
|---|---|---|
| Income Tax | -CN¥97.11M | CN¥173.99M |
Scores
| Measure | Yiren Digital | Industry median |
|---|---|---|
| Graham Number | 19.31 CNY | 33.14 CNY |
| Piotroski F-Score | 5 | 5 |
Calculated by StockData from Yiren Digital's SEC filings. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.