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  4. YIREN DIGITAL LTD - ADR
Yiren Digital Ltd - ADR
XNYS: YRD
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Yiren Digital Ltd (ADR) quarterly and annual earnings report: results, revenue, profit, P&L, balance sheet, cash flow, financial ratios, revenue mix, peer comparison, and financial documents

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Yiren Digital Ltd (ADR) quarterly results: revenue, profit, and P&L – 13 quarter history

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  • NEGATIVE

    Quarterly Revenue Yiren Digital Ltd (ADR) Jun-2026 Quarterly Revenue is $902 Million which is growth of -46.1% YoY.

  • NEGATIVE

    Quarterly Net Profit Yiren Digital Ltd (ADR) Jun-2026 Quarterly Net Profit is $-447 Million which is growth of -225.0% YoY.

Yiren Digital Ltd - ADR, Earnings Report - Quarterly Results, standalone, All financials are in CNY Million and price data in USD
IndicatorGraphJun '26Mar '26Dec '25Sep '25Jun '25Mar '25Dec '24Sep '24Jun '24Mar '24Dec '23Sep '23Jun '23
Operating Rev.
902.3927.6893.31,574.71,674.51,554.51,452.21,479.11,496.51,378.11,274.31,310.81,324.2
Cost Of Rev.
189.6197.6250.9149.9160.9224.7197.2205.9246.5233.3184.7245.4346.4
Gross Profit
712.7730.1642.51,424.81,513.61,329.81,2551,273.21,2501,144.81,089.61,065.4977.8
⌄
-1,051.91,101.71,783.41,216.81,132.11,022.3959.2933.9811.8571402.5372306.5
Operating Profit
-339.2-371.6-1,140.9207.9381.5307.5295.8339.3438.2573.8687.1693.4671.3
⌄
-----24.231.221.924.727.729.925.810.5
Profit Before Tax
-424.2-457.7-1,111.5373.7425.9274342.6400.1501.6617.7712.1716.3667.1
Tax
-25.137-243.456.163.926.410.744.792131.8140.8161.9139.8
⌄
-446.8-493.5-868.2317.6357.5247.5331.5355.4409.5485.9571.3554.4527.4
Diluted NI Avail to Com Stockholders Ann.
-446.8-493.5-868.2317.6357.5247.5331.5355.4409.5485.9571.3554.4527.4
Basic EPS
-5.1-5.6-10.13.74.12.93.84.14.75.66.56.36
Diluted EPS After ExtraOrdinary
--5-9.623.83.53.63.74.35.46.66.36
Number Of Shares End
87.587.587.287.186.586.486.287.586.487.187.788.488.5
Net Income Continuing Discontinued Operations
-446.8-493.5-868.2317.6357.5247.5331.5355.4409.5485.9571.3554.4527.4
Normalized Income
-351.8-440.9-819.6177.3331.8300.3315323.1377.9473.7582560.7541.2
Interest Income
-----24.2---27.7---
Interest
-------------
Net Interest Income
-----24.231.221.924.727.729.925.810.5
EBIT
-424.2-371.6-1,140.9207.9381.5307.5295.8339.3438.2573.8687.1693.4671.3
EBITDA
-424.2-371.6-1,140.9207.9381.5307.5295.8339.3438.2573.8687.1693.4671.3
Reconciled Cost Of Rev.
189.6197.6250.9149.9160.9224.7197.2205.9246.5233.3184.7245.4346.4
Reconciled Depr.
-------------
Profit From Continuing Operations
-449.6------------
Normalized EBITDA
--283.9-1,078.742.8351.2365.9278.9302.9399.5558.3700.5701.6688.8
*All financials are in CNY Million and price data in USD
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Yiren Digital Ltd (ADR) competitor comparison and performance snapshot within industry

Yiren Digital Ltd (ADR) annual results: revenue, profit, P&L, and margins as of Dec 2025 – 11 year history

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  • NEGATIVE

    Annual Revenue Yiren Digital Ltd (ADR) Dec-2025 Annual Revenue is $5,719 Million which is growth of -1.5% YoY.

  • NEGATIVE

    Annual Net Profit Yiren Digital Ltd (ADR) Dec-2025 Annual Net Profit is $55 Million which is growth of -96.6% YoY.

Yiren Digital Ltd - ADR, Earnings Report - Annual Results, standalone, All financials are in CNY Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsTTMDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
18.5%
7.6%
 5,719.25,805.94,895.63,434.64,477.93,9628,690.25,620.75,658.23,274.81,362.3
Cost Of Rev. Ann.
0.4%
-6.6%
787.9786.4883976.2776.8760.91,104.7665.1644.3417.9180.1100.9
Gross Profit Ann.
22.9%
11.5%
3,5104,932.84,922.93,919.52,657.83,717.12,857.38,025.14,976.45,240.33,094.81,261.4
Operating Exp. Ann.
63.2%
12.1%
3,049.95,154.63,275.91,324.71,185.92,429.72,907.36,823.74,138.43,448.11,973.2844.1
Operating Profit Ann.
-
-
-1,643.7-221.81,647.12,594.81,471.91,287.3-501,201.48381,792.21,121.6417.3
⌄
-
5%
 78.7105.580.8-26.3-73.461.673.471.3114.936.85
Other Exp. Ann.
28.2%
-
 105109.4-30.249.8-10.8-785195.6251.6-39.3-19.2-
PBT Ann.
-
-
-1,619.7-381,861.92,645.41,495.41,203.2-773.41,3971,160.91,7531,102.5417.3
Tax Ann.
-
-
-175.4-97.1279.2565.2300.5170.2-80.6239.2194.3381.2-14132.8
⌄
-64.3%
-
-1,490.854.51,582.32,080.21,194.91,033-692.81,155.6966.61,371.81,116.4284.5
Diluted NI Avail to Com Stockholders Ann.
-64.3%
-
-1,490.854.51,582.32,080.21,194.91,033-692.81,155.6966.61,371.81,116.4284.5
EPS Ann.
-64.8%
-
 0.618.323.513.712.2-7.712.515.822.818.95.7
Diluted EPS Ann.
-64.7%
-
 0.618.123.313.612.1-7.712.415.622.418.85.7
Number Of Shares End
-0.9%
1.3%
 87.286.287.789.68581.692.861.660.759.851.3
Total Exp. Ann.
44.7%
8.2%
 5,9414,158.82,300.91,962.83,190.64,0127,488.84,782.73,8662,153.2945
Net Income Continuing Discontinued Operations Ann.
-64.3%
-
-1,490.854.51,582.32,080.21,194.91,033-692.81,155.6966.61,371.81,116.4284.5
Normalized Income Ann.
-
-
-1,435-3.11,490.92,119.71,179.81,065.123.71,020.3761.51,403.21,131.2284.5
Interest Income Ann.
-
5%
 78.7----61.673.471.3114.936.85
Interest Ann.
-
-
 -----------
EBITDA Ann.
-
-
-1,728.7-191.21,675.42,620.21,524.71,427.3277.51,596877.51,8161,132.2421.1
Reconciled Cost Of Rev. Ann.
0.4%
-6.6%
787.9786.4883976.2776.8760.91,104.7665.1644.3417.9180.1100.9
Reconciled Depr. Ann.
-16.6%
-37.8%
 30.628.325.452.8140327.5394.639.423.710.63.8
Profit From Continuing Operations Ann.
-64.3%
-
 54.51,582.32,080.21,194.91,033-692.81,155.6966.61,371.81,116.4284.5
Normalized EBITDA Ann.
-
-
 -2681,567.82,670.41,505.81,464.71,077.31,432.8631.21,856.11,152421.1
*All financials are in CNY Million and price data in USD
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Total Rev. Ann.
1Y CHG
-1.5%
2Y CAGR
8.1%
3Y CAGR
18.5%
5Y CAGR
7.6%
7Y CAGR
0.2%
10Y CAGR
15.4%
Total Revenue Annual is falling faster than historical averages.
Net Profit Ann.
1Y CHG
-96.6%
2Y CAGR
-83.8%
3Y CAGR
-64.3%
7Y CAGR
-33.7%
10Y CAGR
-15.2%
Net Profit Annual is falling faster than historical averages.
Operating Exp. Ann.
1Y CHG
57.3%
2Y CAGR
97.3%
3Y CAGR
63.2%
5Y CAGR
12.1%
7Y CAGR
3.2%
10Y CAGR
19.8%
Operating Expenses Annual Cr growth is stable compared to historical averages.

Yiren Digital Ltd (ADR) balance sheet as of Dec 2025: assets, liabilities, reserves, and borrowings – 11 year history

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  • NEGATIVE

    Total Shareholders Fund Yiren Digital Ltd (ADR) Dec-2025 Total Shareholders Fund is $9,272 Million which is growth of -2.8% YoY.

  • POSITIVE

    Total Assets Yiren Digital Ltd (ADR) Dec-2025 Total Assets is $13,455 Million which is growth of 3.6% YoY.

Yiren Digital Ltd - ADR, Balance Sheet, standalone, All financials are in CNY Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
16.4%
15%
13,45512,982.710,276.98,536.17,739.46,702.39,644.47,5197,518.74,783.42,195.1
⌄
18.6%
7.4%
4,182.93,440.32,191.42,505.32,9182,924.65,154.32,398.14,548.62,643.51,216
⌄
15.4%
19.7%
9,2729,542.48,085.66,030.84,821.43,777.74,490.15,120.92,970.12,139.9979.1
Total Capitalization Ann.
10.9%
16.8%
9,281.19,542.48,085.66,798.75,8504,278.24,508.75,313.32,970.12,139.9979.1
Tangible Assets Ann.
15.3%
19.6%
9,255.29,503.98,047.86,030.84,821.43,777.74,490.15,120.92,970.12,139.9979.1
Working Capital Ann.
15.1%
19.9%
10,358.110,655.48,145.66,801.15,970.84,185.26,067.45,346.84,854.83,024.71,327.3
Invested Capital Ann.
10.9%
16.8%
9,281.19,542.48,085.66,798.75,8504,278.24,508.75,313.32,970.12,139.9979.1
Tangible Book Value Ann.
15.3%
19.6%
9,255.29,503.98,047.86,030.84,821.43,777.74,490.15,120.92,970.12,139.9979.1
Borrowings Ann.
-60.7%
-39.1%
48.940.823.7803.11,100.7582.4300.9192.4---
Net Debt Ann.
-
-
-----------
Share Issued Ann.
1%
2%
186.4184.3182.1180.7171.3169186.3123.1121.3119.5117
Number Of Shares End
-0.9%
1.3%
87.286.287.789.68581.692.861.660.759.851.3
*All financials are in CNY Million and price data in USD
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Total Assets Ann.
1Y CHG
3.6%
2Y CAGR
14.4%
3Y CAGR
16.4%
5Y CAGR
15%
7Y CAGR
8.7%
10Y CAGR
19.9%
Total Assets Annual growth is lower than historical averages.
Total Current Liabilities Ann.
1Y CHG
-15.1%
2Y CAGR
-3.9%
3Y CAGR
5.8%
5Y CAGR
-3.8%
7Y CAGR
3.5%
10Y CAGR
10.3%
Total Current Liabilities Annual Cr is falling faster than historical averages.
Total ShareHolders Funds Ann.
1Y CHG
-2.8%
2Y CAGR
7.1%
3Y CAGR
15.4%
5Y CAGR
19.7%
7Y CAGR
8.9%
10Y CAGR
25.2%
Total ShareHolders Funds Annual is falling faster than historical averages.

Yiren Digital Ltd (ADR) ROE, ROCE, book value, and debt-to-equity ratio as of Dec 2025 – 11 year history

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  • POSITIVE

    Book Value Per Share Yiren Digital Ltd (ADR) Book Value Per Share is $17 which is growth of 15.4% YoY.

  • NEUTRAL

    ROE Yiren Digital Ltd (ADR) ROE is 0% which is growth of 0% YoY.

Yiren Digital Ltd - ADR, Ratios, standalone, All financials are in CNY Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
RoA Ann. %
-
-
-13.61%22.11%14.68%14.31%-8.48%13.47%12.86%22.30%32.00%21.91%
ROE Ann. %
-
-
-17.95%29.47%22.02%24.03%-16.76%24.05%23.89%53.69%71.59%47.32%
ROIC %
-
-
-3.57.37.45.8-12.810.16.216.419.612.1
OPM Ann. %
-
-
-3.88%28.37%53.00%42.85%28.75%-1.26%13.82%14.91%31.68%34.25%30.63%
Inventory Turnover Ratio Ann.
-
-
-----------
Asset Turnover Ann. %
-
-
-0.50.50.40.60.510.80.90.91.1
Working Capital Turnover Ann.
6.3%
-9.7%
0.60.50.60.50.811.41.11.21.11
Quick Ratio Ann.
-
-
-4.44.44.93.92.42.33.32.62.52.2
Current Ratio Ann.
-
-
-5.64.75.14.12.62.43.53.83.63
Interest Coverage Ratio Ann.
-
-
-----------
LT Debt To Equity Ann.
-
-
-0.10.20.20.10---
*All financials are in CNY Million and price data in USD
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Yiren Digital Ltd (ADR) cash flow: net, operating, investing, and financing flows as of Dec 2025 – 11 year history

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  • NEGATIVE

    Cash From Operating Activity Yiren Digital Ltd (ADR) Dec-2025 Cash From Operating Activity is $704 Million which is growth of -50.6% YoY.

  • POSITIVE

    Net Cash Flow Yiren Digital Ltd (ADR) Dec-2025 Net Cash Flow is $-210 Million which is growth of 89.3% YoY.

Yiren Digital Ltd - ADR, Cash Flow, standalone, All financials are in CNY Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
-27.5%
20.1%
703.61,424.12,1711,849.4158.2282274.2-820.22,716.52,113.4390.7
⌄
-
-
-1,576.2-3,113.110052.6-346.5-1,796.71,110-689.4-374.6-1,421.7-292
⌄
-
-7.1%
662.6-277.2-569.3-489.1427.5955.5-1,149.7-26-849.5135.3759.7
Cash Plus Cash Eqv. End Of Year Ann.
-3.9%
7.4%
3,870.84,101.66,058.64,360.72,945.32,707.23,269.12,130.93,662.92,186.5848.1
Net Increase In Cash Plus Cash Eqv.s Ann.
-
-
-209.9-1,966.31,701.81,412.9239.1-559.2234.5-1,535.61,492.5827.1858.3
Cash Plus Cash Eqv. Begin Of Year Ann.
11.7%
4.6%
4,101.66,058.64,360.72,945.32,707.23,269.13,034.53,662.92,186.51,330.11.4
Income Tax Paid Supplemental Data Ann.
49.6%
20.6%
264.4140.1165.278.963.3103.7178.1311.6302.265.9-
Interest Paid Supplemental Data Ann.
-88.2%
-34%
0.262.5121.785.31.611.4----
Capex Ann.
-
-
-25.7-9.2-4.4-0.9-9.4-13.7-48-52.2-70.6-30-16.9
Issuance Of Capital Stock Ann.
-
-
--------501.3
Issuance Of Debt Ann.
-
-59.6%
9.3-578.5862747.7324---
Repayment Of Debt Ann.
-
-
-358.1-291.8-971.2-485.3-149-30.5-403.6-131.6---
Repurchase Of Capital Stock Ann.
-
-
-0.2-75.6-48.1-3.8-2.8-3.1-36.8-0.3---
Free Cash Flow Ann.
-28.4%
20.4%
677.91,414.92,166.61,848.6148.8268.3226.2-872.42,6462,083.5373.7
*All financials are in CNY Million and price data in USD
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Cash from Operating Act. Ann.
1Y CHG
-50.6%
2Y CAGR
-43.1%
3Y CAGR
-27.5%
5Y CAGR
20.1%
10Y CAGR
6.1%
Cash from Operating Activity Annual is falling faster than historical averages.
Cash from Financing Act. Ann.
5Y CAGR
-7.1%
10Y CAGR
-1.4%
Cash from Financing Annual Activity growth is higher than historical averages.
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