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Yiren Digital Ltd.

YRD

$1.26 ▲ +0.02 (+1.61%) at close

14 Visible periods

28 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Weak

Bearish

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Analytical Summary

Yiren Digital Ltd. faces fundamental challenges with weakness in Operating Margin (%). The fundamentals warrant careful consideration of downside risks.

Market Cap $218.7M

Dividend Yield —

Revenue Growth None

Op. Margin -103.9%

ROIC -50.6%

FCF / Share $0.56 ↘

Trailing P/E 28.1x

Price / Book 0.2x

FCF Yield 44.3%

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

14-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$817.84M

↑ +34.7% —

Net Income Profit after all expenses

$7.80M

↓ -96.4% —

FCF / Share Free cash flow per share

$0.56

↓ -50.1% —

trending_up

Bullish Indicators

No bullish signals detected.

warning

Bearish Risks

Operating Margin (%)Operating Margin (%) is in the bottom quartile

Health Breakdown

Profitability ↓

Returns ↓

Financial Health

Cash Quality ↑

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗	FY 2020 Dec 31, 2020 20-F ↗	FY 2019 Dec 31, 2019 20-F ↗	FY 2018 Dec 31, 2018 20-F ↗	FY 2017 Dec 31, 2017 20-F ↗	FY 2016 Dec 31, 2016 20-F ↗	FY 2015 Dec 31, 2015 20-F ↗	FY 2014 Dec 31, 2014 20-F ↗	FY 2013 Dec 31, 2013 20-F ↗	FY 2012 Dec 31, 2012 20-F ↗
Revenue Growth YoY (%)	—	—	—	—	—	-50.9% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-949%)	51.4% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+757%)	-4.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-167%)	82.7% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1278%)	123.0% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1951%)	555.6% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+9160%)	918.6% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+15210%)	—	—
EPS Growth YoY (%)	-96.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-24.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	67.2% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	3.4% Caution Caution Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	-22.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-34.3% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	28.7% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—	—
Net Income Growth YoY (%)	-96.4% Weak ↓ Weak Declining Year-over-year change in net income	-26.0% Weak ↓ Weak Declining Year-over-year change in net income	69.1% Excellent Excellent Year-over-year change in net income	6.9% Fair Fair Year-over-year change in net income	N/M	N/M	18.1% Good ↓ Good Declining Year-over-year change in net income	-33.3% Weak ↓ Weak Declining Year-over-year change in net income	31.1% Excellent ↓ Excellent Declining Year-over-year change in net income	266.9% Excellent Excellent Year-over-year change in net income	N/M	46.1% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%)	-50.1% Weak ↓ Weak Declining Year-over-year change in free cash flow	-35.2% Weak ↓ Weak Declining Year-over-year change in free cash flow	12.5% Fair ↓ Fair Declining Year-over-year change in free cash flow	1010.7% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	-39.4% Weak Weak Year-over-year change in free cash flow	30.0% Excellent Excellent Year-over-year change in free cash flow	N/M	N/M	—	—	—	—	—	—
Revenue CAGR 3Y (%)	—	—	—	—	—	-10.7% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	38.5% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	57.5% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	198.9% Excellent Excellent Compound annual revenue growth over 3 years	430.1% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	6.1% Fair Fair Compound annual revenue growth over 5 years	—	—	—	—	23.8% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	107.9% Excellent Excellent Compound annual revenue growth over 5 years	204.3% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-64.4% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	9.3% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	—	3.4% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	-5.9% Weak Weak Compound annual EPS growth over 3 years	—	-13.0% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗	FY 2020 Dec 31, 2020 20-F ↗	FY 2019 Dec 31, 2019 20-F ↗	FY 2018 Dec 31, 2018 20-F ↗	FY 2017 Dec 31, 2017 20-F ↗	FY 2016 Dec 31, 2016 20-F ↗	FY 2015 Dec 31, 2015 20-F ↗	FY 2014 Dec 31, 2014 20-F ↗	FY 2013 Dec 31, 2013 20-F ↗	FY 2012 Dec 31, 2012 20-F ↗
Operating Margin (%) (%)	-103.9% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-516%)	—	—	—	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	—	—	21.4% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.1% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	14.1% Excellent → Excellent Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	10.4% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.1% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.7% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.7% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	-1.3% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—
Profit Margin (%) (%)	1.0% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-96%)	—	—	—	—	-17.5% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-179%)	13.4% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-39%)	17.2% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-22%)	24.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+12%)	34.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+57%)	21.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	-14.1% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-164%)	-266.4% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-1311%)	—
FCF Margin (%) (%)	11.9% Fair Fair Free cash flow as a percentage of revenue Optimal: > 10%	—	—	—	—	6.8% Caution ↓ Caution Declining Free cash flow as a percentage of revenue Optimal: > 10%	2.6% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	-15.5% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	47.7% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	—	—	—	—	—
FCF / Net Income (x)	12.43x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	0.89x Caution → Caution Stable Free cash flow relative to reported net income Optimal: > 1x	1.04x Fair ↑ Fair Improving Free cash flow relative to reported net income Optimal: > 1x	1.55x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	0.14x Weak ↑ Weak Improving Free cash flow relative to reported net income Optimal: > 1x	-0.39x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	0.20x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	-0.90x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	1.93x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	—	—	—	—	—

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗	FY 2020 Dec 31, 2020 20-F ↗	FY 2019 Dec 31, 2019 20-F ↗	FY 2018 Dec 31, 2018 20-F ↗	FY 2017 Dec 31, 2017 20-F ↗	FY 2016 Dec 31, 2016 20-F ↗	FY 2015 Dec 31, 2015 20-F ↗	FY 2014 Dec 31, 2014 20-F ↗	FY 2013 Dec 31, 2013 20-F ↗	FY 2012 Dec 31, 2012 20-F ↗
Return on Invested Capital (%)	-50.6% Weak Weak Return earned on debt + equity capital invested Optimal: > 10%	—	—	—	—	—	—	—	—	—	—	—	—	—
Return on Capital (%) (%)	-44.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	12.2% Good ↓ Good Declining Operating profit relative to total assets Optimal: > 10%	20.2% Excellent ↑ Excellent Improving Operating profit relative to total assets Optimal: > 10%	14.0% Good Good Operating profit relative to total assets Optimal: > 10%	13.3% Good Good Operating profit relative to total assets Optimal: > 10%	—	—	—	—	—	—	—	—	—
Return on Common Equity (%) (%)	0.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-95%)	16.6% Good ↓ Good Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+38%)	25.7% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+114%)	19.8% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+65%)	21.4% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+79%)	-18.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-253%)	25.7% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+114%)	18.9% Good ↓ Good Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+57%)	46.2% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+285%)	52.2% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+335%)	29.1% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+142%)	-12.5% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-204%)	-264.2% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-2301%)	—

⚖️ Is the balance sheet risky? 2 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗	FY 2020 Dec 31, 2020 20-F ↗	FY 2019 Dec 31, 2019 20-F ↗	FY 2018 Dec 31, 2018 20-F ↗	FY 2017 Dec 31, 2017 20-F ↗	FY 2016 Dec 31, 2016 20-F ↗	FY 2015 Dec 31, 2015 20-F ↗	FY 2014 Dec 31, 2014 20-F ↗	FY 2013 Dec 31, 2013 20-F ↗	FY 2012 Dec 31, 2012 20-F ↗
Interest Coverage (x)	-31464.78x Weak Weak Operating income divided by interest expense Optimal: > 5x	—	—	—	—	—	—	—	—	—	—	—	—	—
Net Debt (USD)	$-478.78M	$-526.25M	$-815.69M	$-619.37M	$-449.51M	$-378.53M	$-459.38M	$-295.07M	$-285.44M	$-139.45M	$-130.64M	$-222.00K	—	—

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗	FY 2020 Dec 31, 2020 20-F ↗	FY 2019 Dec 31, 2019 20-F ↗	FY 2018 Dec 31, 2018 20-F ↗	FY 2017 Dec 31, 2017 20-F ↗	FY 2016 Dec 31, 2016 20-F ↗	FY 2015 Dec 31, 2015 20-F ↗	FY 2014 Dec 31, 2014 20-F ↗	FY 2013 Dec 31, 2013 20-F ↗	FY 2012 Dec 31, 2012 20-F ↗
Revenue per Share (USD)	$4.71	—	—	—	—	$3.37	$6.68	$6.69	$7.07	$3.94	—	—	—	—
Basic EPS, GAAP (USD)	$0.04	$1.25	$1.66	$0.99	$0.96	$-0.59	$0.90	$1.15	$1.75	$1.36	—	—	—	—
Free Cash Flow per Share (USD)	$0.56	$1.12	$1.73	$1.53	$0.14	$0.23	$0.18	$-1.04	$3.38	—	—	—	—	—
Book Value per Share (USD)	$7.59	$7.57	$6.52	$4.90	$4.45	$3.45	$3.48	$6.05	$3.76	$2.58	$1.29	$0.36	—	—
Tangible Book Value per Share (USD)	$7.59	$7.57	$6.52	$4.90	$4.45	$3.45	$3.48	$6.05	$3.76	$2.58	$1.29	$0.36	—	—
Basic Weighted Avg Shares (shares)	173.58M	173.26M	176.75M	174.70M	169.03M	180.30M	185.22M	122.24M	120.46M	118.24M	—	—	—	—

🏦 How resilient is the balance sheet? 1 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗	FY 2020 Dec 31, 2020 20-F ↗	FY 2019 Dec 31, 2019 20-F ↗	FY 2018 Dec 31, 2018 20-F ↗	FY 2017 Dec 31, 2017 20-F ↗	FY 2016 Dec 31, 2016 20-F ↗	FY 2015 Dec 31, 2015 20-F ↗	FY 2014 Dec 31, 2014 20-F ↗	FY 2013 Dec 31, 2013 20-F ↗	FY 2012 Dec 31, 2012 20-F ↗
Total Equity (USD)	$1.33B	$1.31B	$1.14B	$874.39M	$756.59M	$578.95M	$644.96M	$744.81M	$456.49M	$308.21M	$150.83M	$36.01M	$3.16M	$54.00K

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗	FY 2020 Dec 31, 2020 20-F ↗	FY 2019 Dec 31, 2019 20-F ↗	FY 2018 Dec 31, 2018 20-F ↗	FY 2017 Dec 31, 2017 20-F ↗	FY 2016 Dec 31, 2016 20-F ↗	FY 2015 Dec 31, 2015 20-F ↗	FY 2014 Dec 31, 2014 20-F ↗	FY 2013 Dec 31, 2013 20-F ↗	FY 2012 Dec 31, 2012 20-F ↗
Sales/Revenue/Turnover (USD)	$817.84M	—	—	—	—	$607.20M	$1.24B	$817.50M	$852.00M	$466.37M	$209.09M	$31.89M	$3.13M	—
Depreciation Expense (USD)	$1.85M	$1.22M	$1.00M	$3.83M	$6.79M	$14.06M	$18.08M	$5.74M	$3.65M	$1.53M	$579.00K	$185.00K	$72.00K	—
Net Income, GAAP (USD)	$7.80M	$216.77M	$292.99M	$173.24M	$162.10M	$-106.17M	$165.99M	$140.59M	$210.84M	$160.79M	$43.83M	$-4.50M	$-8.34M	—
Operating Cash Flow (USD)	$100.62M	$195.10M	$305.78M	$268.14M	$24.82M	$43.22M	$39.38M	$-119.29M	$417.52M	—	—	—	—	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 14 years · 14 quarters

Yiren Digital Ltd.

Analytical Summary

14-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

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