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Yiren Digital Ltd.

YRD Clue Score59
Cayman Islands Fiscal year ends December CIK 0001631761
$0.56 -44.05% Close, 12 Oct 2026
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Price $0.56 −81.35% Close, 12 Oct 2026

Closing prices at the end of each trading day, from 13 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueOperating incomeNet income
Fiscal year 2016Revenue3.24Net income1.12EPS, diluted9.39Fiscal year 2017Revenue11.53 +256.2%Net income−0.19 −116.8%EPS, diluted−1.03Fiscal year 2018Revenue11.24 −2.5%Net income1.58EPS, diluted8.48Fiscal year 2019Revenue8.62 −23.4%Net income1.16 −26.9%EPS, diluted6.20Fiscal year 2020Revenue3.96 −54.0%Net income−0.69 −159.9%EPS, diluted−3.84Fiscal year 2021Revenue4.48 +13.0%Net income1.03EPS, diluted6.06Fiscal year 2022Revenue3.43 −23.3%Operating income1.62Net income1.19 +15.7%EPS, diluted6.81Fiscal year 2023Revenue4.90 +42.5%Operating income−2.30Net income2.08 +74.1%EPS, diluted11.64Fiscal year 2024Revenue5.81 +18.6%Operating income−4.16Net income1.58 −23.9%EPS, diluted9.06Fiscal year 2025Revenue5.72 −1.5%Operating income−5.94Net income0.05 −96.6%EPS, diluted0.31
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 3.24 11.53 11.24 8.62 3.96 4.48 3.43 4.90 5.81 5.72
Growth +256.2% −2.5% −23.4% −54.0% +13.0% −23.3% +42.5% +18.6% −1.5%
Operating income n/a n/a n/a n/a n/a n/a 1.62 −2.30 −4.16 −5.94
Net income 1.12 −0.19 1.58 1.16 −0.69 1.03 1.19 2.08 1.58 0.05
Growth −116.8% −26.9% −159.9% +15.7% +74.1% −23.9% −96.6%
EPS, diluted 9.39 −1.03 8.48 6.20 −3.84 6.06 6.81 11.64 9.06 0.31

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Operating marginNet margin
Fiscal year 2016Net margin34.5%Free cash flow margin64.3%Fiscal year 2017Net margin−1.6%Free cash flow margin−0.3%Fiscal year 2018Net margin14.1%Free cash flow margin−36.5%Fiscal year 2019Net margin13.4%Free cash flow margin2.6%Fiscal year 2020Net margin−17.5%Free cash flow margin6.8%Fiscal year 2021Net margin23.1%Free cash flow margin3.3%Fiscal year 2022Operating margin47.2%Net margin34.8%Free cash flow margin53.8%Fiscal year 2023Operating margin−47.0%Net margin42.5%Free cash flow margin44.3%Fiscal year 2024Operating margin−71.6%Net margin27.3%Free cash flow margin24.4%Fiscal year 2025Operating margin−103.9%Net margin1.0%Free cash flow margin11.9%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating margin n/a n/a n/a n/a n/a n/a 47.2% −47.0% −71.6% −103.9%
Net margin 34.5% −1.6% 14.1% 13.4% −17.5% 23.1% 34.8% 42.5% 27.3% 1.0%
Free cash flow margin 64.3% −0.3% −36.5% 2.6% 6.8% 3.3% 53.8% 44.3% 24.4% 11.9%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow2.11Capital expenditure−0.03Free cash flow2.08Fiscal year 2017Operating cash flow0.18Capital expenditure−0.22Free cash flow−0.03 −101.6%Dividends paid−0.61Fiscal year 2018Operating cash flow−3.96Capital expenditure−0.14Free cash flow−4.10Buybacks−0.00Dividends paid−0.11Fiscal year 2019Operating cash flow0.27Capital expenditure−0.05Free cash flow0.23Buybacks−0.04Fiscal year 2020Operating cash flow0.28Capital expenditure−0.01Free cash flow0.27 +18.6%Buybacks−0.00Fiscal year 2021Operating cash flow0.16Capital expenditure−0.01Free cash flow0.15 −44.5%Buybacks−0.00Fiscal year 2022Operating cash flow1.85Capital expenditure−0.00Free cash flow1.85 +1,142.4%Buybacks−0.00Fiscal year 2023Operating cash flow2.17Capital expenditure−0.00Free cash flow2.17 +17.2%Buybacks−0.05Fiscal year 2024Operating cash flow1.42Capital expenditure−0.01Free cash flow1.41 −34.7%Buybacks−0.08Dividends paid−0.12Fiscal year 2025Operating cash flow0.70Capital expenditure−0.03Free cash flow0.68 −52.1%Buybacks−0.00Dividends paid−0.27
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 2.11 0.18 −3.96 0.27 0.28 0.16 1.85 2.17 1.42 0.70
Capital expenditure −0.03 −0.22 −0.14 −0.05 −0.01 −0.01 −0.00 −0.00 −0.01 −0.03
Free cash flow 2.08 −0.03 −4.10 0.23 0.27 0.15 1.85 2.17 1.41 0.68
Growth −101.6% +18.6% −44.5% +1,142.4% +17.2% −34.7% −52.1%
Buybacks n/a n/a −0.00 −0.04 −0.00 −0.00 −0.00 −0.05 −0.08 −0.00
Dividends paid n/a −0.61 −0.11 n/a n/a n/a n/a n/a −0.12 −0.27

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash0.97Shareholders’ equity−7.20Fiscal year 2017Cash2.22Shareholders’ equity−7.89Fiscal year 2018Cash2.61Total debt0.19Net cash (debt)2.41Shareholders’ equity−0.36Fiscal year 2019Cash3.20Total debt0.02Net cash (debt)3.18Shareholders’ equity4.49Debt to equity0.00Fiscal year 2020Cash2.47Shareholders’ equity3.78Fiscal year 2021Cash2.86Shareholders’ equity4.82Fiscal year 2022Cash4.27Shareholders’ equity6.03Fiscal year 2023Cash5.79Shareholders’ equity8.09Fiscal year 2024Cash3.84Shareholders’ equity9.54Fiscal year 2025Cash3.35Shareholders’ equity9.27
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 0.97 2.22 2.61 3.20 2.47 2.86 4.27 5.79 3.84 3.35
Total debt n/a n/a 0.19 0.02 n/a n/a n/a n/a n/a n/a
Net cash (debt) n/a n/a 2.41 3.18 n/a n/a n/a n/a n/a n/a
Shareholders’ equity −7.20 −7.89 −0.36 4.49 3.78 4.82 6.03 8.09 9.54 9.27
Debt to equity n/a n/a n/a 0.00 n/a n/a n/a n/a n/a n/a

In billions of CNY, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
n/a n/a n/a n/a n/a n/a 47.2% −47.0% −71.6% −103.9%
34.0% 1.6% 15.9% 16.2% −19.5% 26.9% 43.5% 54.0% 32.1% −0.7%
34.5% −1.6% 14.1% 13.4% −17.5% 23.1% 34.8% 42.5% 27.3% 1.0%
64.3% −0.3% −36.5% 2.6% 6.8% 3.3% 53.8% 44.3% 24.4% 11.9%
Spending
n/a n/a n/a n/a n/a 4.6% 4.4% 3.0% 7.1% 7.1%
9.9% 11.5% 11.9% 8.6% 15.9% 6.7% 7.9% 4.7% 4.7% 5.6%
0.9% 1.9% 1.3% 0.6% 0.3% 0.2% 0.0% 0.1% 0.2% 0.5%
−1.3% 202.7% 10.9% 17.1% n/a 14.1% 20.1% 21.4% 15.0% n/a
Returns
n/a n/a n/a 25.7% −18.3% 21.4% 19.8% 25.7% 16.6% 0.6%
23.3% −2.5% 11.1% 12.0% −10.3% 13.3% 14.0% 20.2% 12.2% 0.4%
Balance and payout
n/a n/a n/a 0.00 n/a n/a n/a n/a n/a n/a
55.3% 60.5% 102.5% 53.4% 43.6% 37.7% 29.3% 21.3% 26.5% 31.1%
n/a n/a 6.7% n/a n/a n/a n/a n/a 7.7% 500.9%
n/a n/a n/a 16.3% 1.1% 1.8% 0.2% 2.2% 14.0% 40.3%

Shown in CNY as filed; the screener converts to dollars.