Yiren Digital LtdYiren Digital Ltd
Yiren Digital Ltd

Yiren Digital Ltd

YRD
Financials·Consumer Finance

Yiren Digital Ltd. is a fintech company specializing in digital consumer lending, insurance, and next-generation financial technology innovation across China and Southeast Asia. It operates through the following segments: Financial Services Business; Insurance Brokerage Business; and Consumption, Lifestyle Business, and Others. The Financial Services Business segment focuses on loan facilitation and self-funded financing services. The Insurance Brokerage Business engages in providing insurance brokerage services. The Consumption, Lifestyle Business, and Others segment includes non-financial product and service offerings. The company was founded by Ning Tang in March 2012 and is headquartered in Beijing, China.

China
Market cap
$88.8MNo data
Revenue
$817.6M+2.8% YoY
Net income
$7.8M−96.4% YoY
Free cash flow
$96.9M−50.0% YoY

Market

Listed stock
YRDPriceNYSE
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Financial performance

Revenue
$817.6M+2.8% YoY
Operating income
$-849.3M−476.4% YoY
Net income
$7.8M−96.4% YoY
Free cash flow
$96.9M−50.0% YoY

Revenue, profit & cash trend

Revenue
Operating income
Net income
Free cash flow
Reference
Revenue: 2021 $699.7M, 2022 $492.8M, 2023 $690.5M, 2024 $795.3M, 2025 $817.6M. Operating income: 2021 $201.1M, 2022 $211.2M, 2023 $366M, 2024 $225.6M, 2025 $-849.3M. Net income: 2021 $161.4M, 2022 $171.4M, 2023 $293.4M, 2024 $216.8M, 2025 $7.8M. Free cash flow: 2021 $23.3M, 2022 $265.3M, 2023 $305.6M, 2024 $193.8M, 2025 $96.9M. Reference line: Reference at $0.

Growth & profitability

Revenue growth
2.8%−1239 bps YoY
Gross margin
No dataNo data
Operating margin
No dataNo data
FCF margin
No dataNo data

Earnings power over time

Operating income
Net income
Free cash flow
Operating income: 2021-12-31 $201.1M, 2022-12-31 $211.2M, 2023-12-31 $366M, 2024-12-31 $225.6M, 2025-12-31 $-849.3M. Net income: 2021-12-31 $161.4M, 2022-12-31 $171.4M, 2023-12-31 $293.4M, 2024-12-31 $216.8M, 2025-12-31 $7.8M. Free cash flow: 2021-12-31 $23.3M, 2022-12-31 $265.3M, 2023-12-31 $305.6M, 2024-12-31 $193.8M, 2025-12-31 $96.9M

Growth heatmap

2022202320242025CAGR
Revenue
-29.6%
+40.1%
+15.2%
+2.8%
+4.0%
Gross profit
-34.3%
+45.0%
+22.0%
+15.6%
+7.6%
Operating income
+5.0%
+73.3%
-38.4%
-476.4%
No data
Free cash flow
+1036.7%
+15.2%
-36.6%
-50.0%
+42.7%

Earnings quality

Operating cash flow
$100.6M−48.4% YoY
Net income
$7.8M−96.4% YoY
Free cash flow
$96.9M−50.0% YoY
Diluted EPS
No dataNo data

Cash conversion quality

Operating cash flow
Free cash flow
Net income = 100%
Operating cash flow: 2025-12-31 1290%, 2024-12-31 90%, 2023-12-31 104%, 2022-12-31 155%, 2021-12-31 15%. Free cash flow: 2025-12-31 1243%, 2024-12-31 89%, 2023-12-31 104%, 2022-12-31 155%, 2021-12-31 14%. Reference line: Net income = 100% at 100%.

Per-share economics

Diluted EPS
Latest
No data
FCF / share
Latest
No data
Diluted shares
Latest
No data

Financial flexibility

Cash & equivalents
No dataNo data
Total debt
No dataNo data
Net debt
No dataNo data
Current ratio
No dataNo data

Cash Coverage of Debt

Cash / Total debt
No data

Returns

Return on equity
No dataNo data
Return on assets
No dataNo data
Return on invested capital
No dataNo data
Asset turnover
No dataNo data

Return on capital

No data

Valuation

Price to earnings
No dataNo data
Price to sales
No dataNo data
EV / EBITDA
No dataNo data
Free cash flow yield
No dataNo data

Valuation vs its own 5Y history

Metric
Own five-year range
Current
Own 5Y median
Position in own range
Price to earnings
No data
No data
No data
No data
Price to sales
No data
No data
No data
No data
EV / EBITDA
No data
No data
No data
No data
Free cash flow yield
No data
No data
No data
No data