YRD · Yiren Digital Ltd.
$1.25
+0.01 (+0.81%)
At close · Jul 22
Market Cap
$109.36M
Shares
87.49M
Income-statement, balance-sheet and cash-flow figures extracted from the company's SEC filings — 10-K annual and 10-Q quarterly reports — and standardised for comparison across periods.
Revenue
5.72B
-1.5%
FY2025
Net Income
54.53M
-96.6%
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| CNY | 5.72B | 5.81B | 4.9B | 3.43B | 4.48B | 3.96B | 8.62B | 11.24B | 11.53B | 3.24B | 1.31B | 196.53M | 3.13M |
| CNY | — | 105.48M | 80.75M | -26.3M | -73.38M | 61.62M | 73.37M | — | — | — | — | — | — |
| CNY | 406.57M | 411.88M | 148.75M | 151.92M | 208M | — | — | — | — | — | — | — | — |
| CNY | 1.16B | 1.2B | 656.6M | 573.97M | 1.55B | 1.91B | 4.46B | 6.66B | 9B | 1.57B | 679.77M | 137.75M | 5.22M |
| CNY | 322.09M | 274.67M | 231.14M | 271.79M | 298.24M | 630.56M | 741.27M | 1.34B | 1.32B | 320.85M | 137.11M | 64.64M | 5M |
| CNY | 12.95M | 8.89M | 7.12M | 26.43M | 43.24M | 91.77M | 125.85M | 147.99M | 140.92M | 10.61M | 3.64M | 1.14M | 72K |
| — | — | — | — | — | — | — | — | — | — | $145.57M | $36.39M | $11.47M | |
| CNY | — | 4.16B | 2.3B | 1.96B | 3.19B | 4.67B | 7.49B | 10.47B | 11.61B | 2.15B | 903.25M | 224.2M | — |
| CNY | -5.94B | -4.16B | -2.3B | 1.62B | — | — | — | — | — | — | — | — | — |
| CNY | — | — | 13.12M | 27.87M | 31.41M | — | — | — | — | — | — | — | — |
| CNY | 183.74M | 214.86M | 50.58M | 23.52M | -84.16M | -67.52M | 268.99M | 1.01B | 267.81M | 575K | — | — | — |
| CNY | -4.56M | -440K | 0 | 0 | — | — | -2.18M | -9.3M | 5.06M | — | — | — | — |
| CNY | -38.02M | 1.86B | 2.65B | 1.5B | 1.2B | -773.36M | 1.4B | 1.78B | 188.08M | 1.1B | 403.86M | -27.68M | -8.34M |
| CNY | -97.11M | 279.18M | 565.16M | 300.51M | 170.19M | -80.61M | 239.23M | 194.29M | 381.21M | -13.95M | 128.52M | 30K | — |
| CNY | 54.53M | 1.58B | 2.08B | 1.19B | 1.03B | -692.75M | 1.16B | 1.58B | -188.07M | 1.12B | 275.34M | -27.71M | -8.34M |
| CNY | -27.26M | 1.64B | 2.1B | 1.19B | 1.03B | -697.5M | 1.16B | 1.59B | -206.46M | 1.15B | 275.44M | -27.71M | -8.29M |
| CNY/shares | 0.31 | 9.13 | 11.77 | 6.84 | 6.11 | -3.84 | 6.24 | 8.58 | -1.03 | 9.44 | 2.74 | -0.28 | — |
| CNY/shares | 0.31 | 9.06 | 11.64 | 6.81 | 6.06 | -3.84 | 6.20 | 8.48 | -1.03 | 9.39 | 2.74 | -0.28 | — |
| 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.
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% |