YRD · Yiren Digital Ltd. · Financials
Market Cap
$110.24M
Shares
87.49M
Income-statement, balance-sheet and cash-flow figures from SEC filings, plus a debt profile anchored in the latest 10-K and updated by each 10-Q and debt exhibit.
Revenue
5.72B
-1.5%
FY2025
Net Income
54.53M
-96.6%
FY2025
Operating Margin
-103.88%
-32.2pp
FY2025
Diluted EPS
0.31
-96.6%
FY2025
Operating Cash Flow
703.62M
-50.6%
FY2025
Chart any reported metric, KPI or segment over time — the full statement history lives here
Search above to add metrics — fundamentals, product and segment revenue, company KPIs, valuation.
| Line Item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | FY2015 | FY2014 | FY2013 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| — | — | — | — | — | — | — | — | — | — | $145.57M | $36.39M | $11.47M | |
| CNY | — | — | 13.12M | 27.87M | 31.41M | — | — | — | — | — | — | — | — |
| USD/shares | $0.04 | $1.25 | $1.66 | $0.99 | $0.96 | -$0.59 | $0.90 | $1.15 | $1.75 | $1.36 | — | — | — |
| USD/shares | $0.04 | $1.24 | $1.64 | $0.99 | $0.95 | -$0.59 | $0.89 | $1.13 | $1.72 | $1.35 | — | — | — |
| shares | 173.58M | 173.26M | 176.75M | 174.7M | 169.03M | 180.3M | 185.22M | 184.23M | 182.44M | 118.24M | 100.65M | 100M | 100M |
| shares | 174.68M | 174.71M | 178.69M | 175.39M | 170.59M | 180.3M | 186.54M | 186.27M | 182.44M | 118.94M | 100.65M | 100M | 100M |
Values reflect the latest filing (restatements included); per-share figures on today's split basis. Click a value for its source filing.
3Y/5Y/10Y columns are trailing CAGR from the newest fiscal year; blank where an endpoint is missing or negative.
Capital Returned to Shareholders
Cash spent on share repurchases and dividends per fiscal year, as reported on the cash-flow statement. Across FY2017–FY2025: $170.69M in buybacks, $1.11B in dividends.
Debt Profile
No verified debt profile is available yet. This does not establish that the company has no debt or covenants.
Revenue Breakdown
Annual revenue as the company disaggregates it in its own XBRL filings. Years a component wasn't reported show a dash.
Share mode is each component's slice of the reported components that year — issuers rarely tag every revenue dollar, so slices need not sum to total revenue.
By Segment (CNY)
| Component | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|
| Credit Solution Business | 5,040,026,000 | 3,473,109,000 | 2,515,119,000 | — | — | — | — |
| Other | 381,601,000 | 1,924,423,000 | 1,416,692,000 | — | — | — | — |
| Insurance Brokerage Business | 297,593,000 | 408,369,000 | 963,822,000 | — | 755,691,000 | — | — |
| All Other Segments | — | — | — | 302,896,000 | 33,114,000 | — | — |
| Consumer Credit Segment | — | — | — | 1,959,732,000 | 3,184,302,000 | 2,529,598,000 | 6,440,569,000 |
| Consumption, Lifestyle and Other Business | — | — | — | — | 537,936,000 | — | — |
| Financial Services Business | — | — | — | — | 3,184,302,000 | — | — |
| Holistic Wealth Segment | — | — | — | 1,171,992,000 | 1,260,513,000 | 1,432,364,000 | — |
| Wealth Management Segment | — | — | — | — | 1,260,513,000 | 1,432,364,000 | 2,176,215,000 |
By Product & Service (CNY)
| Component | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|
| Credit Solution Business | 5,040,026,000 | 3,473,109,000 | 2,515,119,000 | — | — | — | — |
| Network and Marketing Services | 600,836,000 | 205,187,000 | 120,216,000 | — | — | — | — |
| Others | 381,601,000 | 1,924,423,000 | 1,416,692,000 | — | — | — | — |
| Insurance Brokerage Business | 297,593,000 | 408,369,000 | 963,822,000 | — | — | — | — |
| Technology Service | 246,867,000 | 15,142,000 | 18,682,000 | — | — | — | — |
| Penalty Fees | 1,349,000 | 2,825,000 | 11,196,000 | — | — | — | — |
| Financial Service | — | — | — | — | — | 59,658,000 | 1,618,000 |
| Management Service | — | — | — | — | — | 1,843,558,000 | 2,016,678,000 |
| Service Other | — | — | — | — | — | 629,290,000 | 658,677,000 |
| Borrower Acquisition | — | 2,825,000 | 11,196,000 | 25,694,000 | — | — | — |
| Insurance Brokerage Services | — | 408,369,000 | 963,822,000 | 731,797,000 | 755,691,000 | 861,660,000 | — |
| Life and Health Insurance Business | — | 30,992,000 | 551,809,000 | 420,273,000 | 515,436,000 | — | — |
| Loan Facilitation Service | — | — | — | — | — | 1,329,720,000 | 5,182,028,000 |
| Post Origination Service | — | — | — | — | — | 670,440,000 | 757,783,000 |
| Property and Casualty Insurance Business | — | 377,377,000 | 412,013,000 | 311,524,000 | 240,255,000 | — | — |
| Referral Services | — | 205,187,000 | 120,216,000 | 64,892,000 | — | — | — |
| Technical Support | — | 15,142,000 | 18,682,000 | 12,194,000 | — | — | — |
Segment Operating Income
Annual operating income by business segment, as tagged in the company's own XBRL filings. Segments need not sum to the consolidated figure — corporate costs and eliminations are typically unallocated.
By Segment (CNY)
| Component | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|
| Other | 260,180,000 | 1,769,934,000 | 1,132,744,000 | — | — | — | — |
| Insurance Brokerage Business | 15,334,000 | -28,267,000 | 239,170,000 | 165,259,000 | 199,580,000 | — | — |
| Credit Solution Business | -317,781,000 | 88,742,000 | 1,406,456,000 | — | — | — | — |
| All Other Segments | — | — | — | — | 22,774,000 | — | — |
| Consumer Credit Segment | — | — | — | — | 1,054,081,000 | -1,173,433,000 | 246,498,000 |
| Consumption, Lifestyle and Other Business | — | 1,769,934,000 | 1,132,744,000 | 372,823,000 | 131,483,000 | — | — |
| Financial Services Business | — | 88,742,000 | 1,406,456,000 | 1,081,357,000 | 1,054,081,000 | — | — |
| Holistic Wealth Segment | — | — | — | — | 308,289,000 | 672,184,000 | — |
| Wealth Management Segment | — | — | — | — | 308,289,000 | 672,184,000 | 1,261,013,000 |
Operating Margin by Segment (%)
| Component | FY2025 | FY2024 | FY2023 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|
| Credit Solution Business | -6.3% | 2.6% | 55.9% | — | — | — |
| Other | 68.2% | 92% | 80% | — | — | — |
| Insurance Brokerage Business | 5.2% | -6.9% | 24.8% | 26.4% | — | — |
| All Other Segments | — | — | — | 68.8% | — | — |
| Consumer Credit Segment | — | — | — | 33.1% | -46.4% | 3.8% |
| Consumption, Lifestyle and Other Business | — | — | — | 24.4% | — | — |
| Financial Services Business | — | — | — | 33.1% | — | — |
| Holistic Wealth Segment | — | — | — | 24.5% | 46.9% | — |
| Wealth Management Segment | — | — | — | 24.5% | 46.9% | 57.9% |