YRD · Yiren Digital Ltd. · Financials
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.
Chart any reported metric, KPI or segment over time — the full statement history lives here
| 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 |
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
Reported borrowing balances, repayment dates and agreement terms, with links to the underlying filings.
Reported debt balances
Each amount keeps its reported scope. Related balance-sheet measures appear under the borrowing they describe.
| Reported balance | As of | Amount | Source |
|---|---|---|---|
| Operating lease liabilities | 2025-12-31 | CNY 39,758,000 | 20-F filed 2026-04-29 |
| Operating lease liabilities | 2025-12-31 | USD 5,685,000 | 20-F filed 2026-04-29 |
| Short-term borrowings | 2025-12-31 | CNY 9,091,000 | 20-F filed 2026-04-29 |
Covenants
Covenant terms have not yet been verified for this profile.
The balance figures do not establish whether covenants apply or whether the company complies with them.
Loans, facilities and notes
The instrument breakdown is not yet verified. Read the debt note in the linked report for borrowing terms and maturity conditions.
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 | 1,959,732,000 | 3,184,302,000 | 2,529,598,000 | 6,440,569,000 |
| Other | 381,601,000 | 1,924,423,000 | 1,416,692,000 | 743,091,000 | 537,936,000 | — | — |
| Insurance Brokerage Business | 297,593,000 | 408,369,000 | 963,822,000 | 731,797,000 | 755,691,000 | — | — |
| All Other Segments | — | — | — | 302,896,000 | 33,114,000 | — | — |
| Holistic Wealth Segment | — | — | — | 1,171,992,000 | 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 | 64,892,000 | — | — | — |
| Others | 381,601,000 | 1,924,423,000 | 1,416,692,000 | — | — | — | — |
| Insurance Brokerage Business | 297,593,000 | 408,369,000 | 963,822,000 | 731,797,000 | 755,691,000 | 861,660,000 | — |
| Technology Service | 246,867,000 | 15,142,000 | 18,682,000 | 12,194,000 | — | — | — |
| Penalty Fees | 1,349,000 | 2,825,000 | 11,196,000 | 25,694,000 | — | — | — |
| 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 |
| 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 | — | — |
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 | 372,823,000 | 131,483,000 | — | — |
| 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 | 1,081,357,000 | 1,054,081,000 | -1,173,433,000 | 246,498,000 |
| All Other Segments | — | — | — | — | 22,774,000 | — | — |
| Holistic Wealth Segment | — | — | — | — | 308,289,000 | 672,184,000 | 1,261,013,000 |
Operating Margin by Segment (%)
| Component | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|
| Credit Solution Business | -6.3% | 2.6% | 55.9% | 55.2% | 33.1% | -46.4% | 3.8% |
| Other | 68.2% | 92% | 80% | 50.2% | 24.4% | — | — |
| Insurance Brokerage Business | 5.2% | -6.9% | 24.8% | 22.6% | 26.4% | — | — |
| All Other Segments | — | — | — | — | 68.8% | — | — |
| Holistic Wealth Segment | — | — | — | — | 24.5% | 46.9% | 57.9% |