Yiren Digital Ltd.
YRD NYSE· Finance Services
Last close · Oct 30, 2026
$0.42
KIRA · Stoqly’s AI analyst, in plain words
- Yiren Digital Ltd. had $796M of revenue in fiscal 2025, down 1.4% on the year before. Over five years, revenue changed +6.7% a year on average.
- Its operating margin was −103.9%, down 32.2 pts: of every 100 in sales, about −104 is left after running the business.
- Yiren Digital Ltd. made $7.6M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew −32.1% a year.
- Free cash flow was $94.3M in fiscal 2025, 11.9% of revenue.
- Yiren Digital Ltd. returned $38.0M to shareholders in fiscal 2025, 40% of free cash flow. The diluted share count fell 0.0%.
- Yiren Digital Ltd. has $477M more cash than debt.
Market cap
$36.3M
P/E
4.8x
Revenue
$796M
Net income
$7.6M
Free cash flow
$94.3M
Operating margin
−103.9%
Yiren Digital Ltd. in 30 seconds · fiscal 2025
Are sales growing?
−1.4%
No. Sales fell 1.4% last year.
Does it make a profit?
1.0%
A little. It keeps 1.0% of every sale as profit.
Does profit turn into cash?
11.9%
Yes. 11.9% of sales ends up as free cash.
Is debt under control?
Net cash
Yes. It has more cash than debt.
How is the share priced?
4.8x
One share costs 4.8 times its yearly profit per share.
What Yiren Digital Ltd. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 20-F · Apr 29, 2026
- Legal name
- Yiren Digital Ltd.
- CIK
- 0001631761
Yiren Digital Ltd. · YRD · stoqly.net
Results and finances
The last 5 fiscal years. Amounts in USD. Compiled by stoqly.net.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $694M | $510M | $691M | $807M | $796M |
| Revenue growth | 21.0% | −26.5% | 35.5% | 16.7% | −1.4% |
| Net interest income | −$11.4M | −$3.9M | $11.4M | $14.7M | — |
| Operating margin | — | 47.2% | −47.0% | −71.6% | −103.9% |
| Net income | $160M | $177M | $294M | $220M | $7.6M |
| Net margin | 23.1% | 34.8% | 42.5% | 27.3% | 1.0% |
| Diluted EPS | $1.88 | $2.02 | $3.29 | $2.52 | $0.09 |
| Cash | |||||
| Cash from operations | $24.5M | $275M | $307M | $198M | $97.9M |
| Capital expenditure | $1.5M | $0.1M | $0.6M | $1.3M | $3.6M |
| Free cash flow | $23.1M | $275M | $306M | $197M | $94.3M |
| FCF margin | 3.3% | 53.8% | 44.3% | 24.4% | 11.9% |
| Dividends paid | — | — | — | $17.0M | $38.0M |
| Share buybacks | $0.4M | $0.6M | $6.8M | $10.5M | $0.0M |
| Share count change | −5.4% | 2.8% | 1.9% | −2.2% | −0.0% |
| Debt and strength | |||||
| Cash and short-term investments | $451M | $619M | $815M | $526M | $478M |
| Debt incl. finance leases | — | — | — | — | $1.3M |
| Shareholders' equity | $759M | $874M | $1.1B | $1.3B | $1.3B |
| Interest coverage | — | 58.1x | −175.4x | — | — |
| Returns and quality | |||||
| Return on capital | — | — | — | — | −77.1% |
| Return on equity | 24.0% | 21.7% | 29.2% | 18.0% | 0.6% |
| Return on tangible equity | 21.1% | 20.3% | 25.8% | 16.8% | 0.6% |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Operating margin:
- Operating income as a share of revenue.
- Net income:
- Profit after all expenses, interest and tax.
- Free cash flow:
- Cash from operations minus capital spending.
- Net debt / EBITDA:
- Years of EBITDA needed to pay off net debt. Below zero means more cash than debt.
- Return on capital:
- After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
Yiren Digital Ltd. · YRD · stoqly.net
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Margins, % of revenue
Cash vs debt (incl. leases)
Free cash flow
Dividends and buybacks
KIRA
At $0.42 a share, the company is worth $36.3M: 4.8 times its earnings of the last four quarters.
Compiled and analysed by stoqly.net from SEC EDGAR XBRL filings (CIK 0001631761). Latest version: stoqly.net/companies/yrd. Data updated November 1, 2026. Filed in CNY under US GAAP and converted to US$: income and cash-flow lines at each period's average exchange rate, balance-sheet lines at the period-end rate. For information only — not investment advice. Check the original filings before relying on any figure.