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NYSE · FINANCE SERVICES · SMALL CAP

Yiren Digital Ltd. YRD

13 fiscal years on record · CNY · FY2025 reported · SEC filings only
CNY 5.7B
▼ 1.5% YoY
CNY 54.5M
▼ 96.6% YoY
CNY 677.9M
▼ 52.1% YoY

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

In brief

What this company does

The company operates an AI-powered fintech platform that provides digital consumer lending, insurance and financial technology services across China and global markets. As of December 31, 2025, it had served approximately 14.3 million borrowers through its subsidiaries and the VIEs. It is organized into a credit solution services business, an insurance brokerage business and other businesses, conducted mainly in China. As part of its global expansion, it began offering unsecured small revolving loans in the Philippines in early 2023 and set up subsidiaries in other selected countries. Its insurance brokerage business is operated by Hexiang Insurance Brokers, a VIE subsidiary that sells insurance policies on behalf of insurance companies and earns brokerage commissions set as a percentage of premiums paid by the insured, including premiums paid upon renewal. As of December 31, 2025, Hexiang Insurance Brokers had established 31 offline branches nationwide, offered over 1,000 insurance products from over 100 insurers, and had cumulatively served 1,878,951 individual clients and 156,599 institutional clients.

Written from the business description in Yiren Digital Ltd.'s annual report to the U.S. Securities and Exchange Commission, filed 29 April 2026. Every sentence was checked against that document before publication.

Growth

CNY 5.7B
Revenue, FY2025 · full 13-year series below
Revenue CNY B Net income CNY B
FY2025 · Revenue 5.7 · Net income 0.1
5B10B
20132016201920222025
Compound annual growth
+18.5%
+7.6%
+15.8%
−64.3%
−14.9%
−64.2%
+314.6%
+145.7%
3 yrs
5 yrs
10 yrs
15 yrs

Revenue compounded at +7.6% a year over the five years to FY2025.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability

1 cents
of every revenue dollar became profit
Operating margin Net margin
FY2025 · Operating -103.9% · Net 1.0%
20%40%60%-100%-200%
201320192025
ROE
FY2025 · ROE 0.6%
20%40%-10%-20%
201320192025
Three returns, three denominators.
Return on capital employedNot available: we don't have total assets or current liabilities for this period.

Each CNY of equity produced 1 cents of profit this year.

Cash & shareholders

CNY 273.4M
returned in FY2025 · dividends + net buybacks
Free cash flow CNY B
FY2025 · FCF 0.7
1B2B-2B-3B
201320192025
Net buybacks CNY M Dividends CNY M
FY2025 · Dividends 273.1 · Net buybacks 0.2
250.0M500.0MDividendsNet buybacks
201720182019202020212022202320242025

CNY 273.1M in dividends and CNY 223,000.00 in buybacks — 501% of the year's profit, so the payout drew on cash built up earlier.

Total assetsCNY 13.5B
EquityCNY 9.3B
CashCNY 3.3B
Gross debtCNY 9.1M
Net debtCNY -3.3B

The company holds more cash than debt.

The 13-year record

13 fiscal years
Every figure from documents filed with the SEC · CNY

EPS, diluted, dividend per share and shares outstanding are shown without shading, and a vertical line marks the year the share count changed — the series crosses a large, unexplained change in share count, so the years on either side are not on a comparable scale.

row low → row highnegative—not applicable◌not available in our data
YRD, 13-year financial record
Metric 2025202420232022202120202019201820172016201520142013
Revenue CNY B5.75.84.93.44.54.08.611.211.53.21.30.2◌
Operating income CNY B−5.9−4.2−2.31.61.2−0.81.41.80.21.10.4−0.0◌
EBITDA CNY B−5.9−4.1−2.31.61.2−0.71.51.90.31.10.4−0.0◌
Income tax CNY B−0.10.30.60.30.2−0.10.20.20.4−0.00.10.0◌
Net income CNY B0.11.62.11.21.0−0.71.21.6−0.21.10.3−0.0◌
Free cash flow CNY B0.71.42.21.80.10.30.2−4.1−0.02.10.8−0.2−0.0
EPS, diluted CNY 0.319.0611.646.816.06−3.846.208.48−1.039.392.74−0.28◌
Dividend / sh CNY ◌◌◌◌◌◌◌◌◌◌◌◌◌
Payout %5018—————7−322————
ROE %0.618.029.522.024.0−16.8————45.9−22.8◌
Shares out B0.170.170.170.180.170.170.190.120.120.120.120.10◌

Slide the table for earlier years. "—" not applicable · "◌" not available in our data.

Compare

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Provenance

Company facts, as filed

How we verify · 2 failures in 38 reconciliationsAUDITED

Reconciled in 11 of the 13 fiscal years we could check. Seven checks were skipped: the balance sheet is not tagged before 2014. Six checks were skipped: EPS is not tagged before 2013.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidityCurrency consistency2 failures
ActivityFinance Services
Listed onNYSE
Incorporated inoutside the United States — SEC code E9
Fiscal year endsDecember 31
Data on record since2013

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