Yiren Digital Ltd. Sponsored ADR (YRD) Financials

EPS

Hollow marker is the consensus estimate; filled is the reported figure, colored by beat or miss.

Revenue

Outlined bar is the consensus estimate; solid is reported.

Results

Periods without a consensus estimate or a reported figure show a dash.

Period	EPS estimate	EPS actual	EPS surprise %	Revenue estimate	Revenue actual	Revenue surprise %
Q3 22	$0.24	$0.03	-87.5%	—	$840.7M	—
Q1 20	$1.66	$0.2	-88.0%	—	$1B	—
Q4 19	$1.26	$4.34	+244.4%	—	$2.4B	—
Q3 19	$3.34	$2.45	-26.6%	—	$2.1B	—
Q2 19	$4.35	$1.66	-61.8%	—	$2.2B	—
Q4 18	$0.6	$0.79	+31.7%	—	$1.3B	—
Q3 18	$0.52	$0.35	-32.7%	—	$2.2B	—
Q2 18	$0.64	$0.5	-21.9%	—	$3B	—
Q1 18	$0.99	$0.72	-27.3%	—	$3.8B	—
Q4 17	$0.89	$1.16	+30.3%	—	$1.8B	—
Q3 17	$0.7	$0.89	+27.1%	—	$1.5B	—
Q2 17	$0.58	$0.66	+13.8%	—	$1.2B	—
Q1 17	$0.73	$0.84	+15.1%	—	$1B	—
Q4 16	$0.33	$0.92	+178.8%	—	$1.1B	—
Q3 16	$0.19	$0.9	+373.7%	—	$876.7M	—
Q2 16	$0.24	$0.67	+179.2%	—	$733.8M	—

EPS

Reported per-share earnings by fiscal year; the line turns dotted where reported figures end and the analyst consensus begins, with the shaded band marking the low–high range.

Revenue

Reported revenue by fiscal year; the line turns dotted where reported figures end and the analyst consensus begins, with the shaded band marking the low–high range.

Results

Periods without a consensus estimate or a reported figure show a dash.

Period	EPS estimate	EPS actual	EPS surprise %	Revenue estimate	Revenue actual	Revenue surprise %
FY25	—	$0.47	—	—	$5.7B	—
FY24	—	$18.3	—	—	$5.8B	—
FY23	—	$23.5	—	—	$4.9B	—
FY22	—	$13.7	—	—	$3.4B	—
FY21

Total revenue

Reported revenue per period; the line is the change from the same period a year earlier, on its own left axis.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Revenue	$3.2B	$11.5B	$11.2B	$8.6B	$4B	$4.5B	$3.4B	$4.9B	$5.8B	$5.7B
YoY change	+146.5%	+256.2%	-2.52%	-23.4%	-54%	+13%	-23.3%	+42.5%	+18.6%	-1.49%

Revenue and profits

Revenue, gross profit, operating income, and net income per period.

Condensed income statement

Click a row to chart it; unreported figures show a dash.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Revenue	3.2B	11.5B	11.2B	8.6B	4B	4.5B	3.4B	4.9B	5.8B	5.7B
Cost of revenue	180.1M	1.2B	1.1B	665.1M	1.1B	760.9M	776.8M	976.2M	883M	786.4M
Gross profit	3.1B	10.3B	10.2B	8B	2.9B	3.7B	2.7B	3.9B	4.9B	4.9B
Gross margin	94.4%	89.2%	90.6%	92.3%	72.1%	83%	77.4%	80.1%	84.8%	86.3%
Research & development	—	—	—	—	—	208M	151.9M	148.8M	411.9M	406.6M
Selling, general & administrative	1.9B	10.3B	8B	5.2B	2.5B	1.9B	845.8M	887.7M	1.5B	1.5B
Operating expenses	2B	10.4B	8.4B	5.2B	2.5B	2.4B	1.2B	1B	2.8B	4.3B
Operating income	1.1B	-79.7M	776.1M	1.1B	-50M	1.3B	1.5B	2.6B	1.6B	-221.8M
Operating margin	33.5%	-0.69%	6.9%	13.1%	-1.26%	28.7%	42.9%	53%	28.4%	-3.88%
Non-operating income, net	-19.2M	152.8M	933.3M	195.6M	-785M	-10.8M	49.8M	-30.2M	109.4M	105M
Pretax income	1.1B	188.1M	1.8B	1.4B	-773.4M	1.2B	1.5B	2.6B	1.9B	-38M
Income tax	-13.9M	381.2M	194.3M	239.2M	-80.6M	170.2M	300.5M	565.2M	279.2M	-97.1M
Net income	1.1B	-188.1M	1.6B	1.2B	-692.7M	1B	1.2B	2.1B	1.6B	54.5M
Net margin	34.5%	-1.63%	14.1%	13.4%	-17.5%	23.1%	34.8%	42.5%	27.3%	0.95%
EBITDA	1.1B	-209.9M	260.3M	1.4B	933.3M	1.5B	1.5B	2.7B	1.6B	-268M
EPS	18.9	22.8	15.8	12.5	-7.68	12.2	13.7	23.5	18.3	0.47
Diluted EPS	18.8	22.4	15.6	12.4	-7.68	12.1	13.6	23.3	18.1	0.46

Revenue and profits

Revenue, gross profit, operating income, and net income per period.

Condensed income statement

Click a row to chart it; unreported figures show a dash.

Period	Q2 23	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26
Revenue	1.3B	1.3B	1.3B	1.4B	208.9M	209.1M	1.5B	1.6B	1.7B	1.6B	893.3M	927.6M
Cost of revenue	346.4M	245.4M	184.7M	233.3M	34.4M	29.1M	197.2M	224.7M	160.9M	149.9M	250.9M	197.6M
Gross profit	977.8M	1.1B	1.1B	1.1B	174.5M	180M	1.3B	1.3B	1.5B	1.4B	642.5M	730.1M
Gross margin	73.8%	81.3%	85.5%	83.1%	83.5%	86.1%	86.4%	85.5%	90.4%	90.5%	71.9%	78.7%
Research & development	33M	39M	47.6M	40.5M	7.8M	21.3M	164.7M	86M	107.7M	91.5M	121.4M	108.9M
Selling, general & administrative	212.7M	249.2M	256.2M	360.9M	49.4M	58.8M	340.7M	372.8M	424M	436.2M	249M	184.1M
Operating expenses	306.5M	299.3M	303.8M	468.7M	113.3M	118.6M	756.1M	869.5M	1.1B	987.5M	1.5B	925.2M
Operating income	671.3M	693.4M	687.1M	573.8M	61.2M	48M	295.8M	307.5M	381.5M	207.9M	-1.1B	-371.6M
Operating margin	50.7%	52.9%	53.9%	41.6%	29.3%	22.9%	20.4%	19.8%	22.8%	13.2%	-127.7%	-40.1%
Non-operating income, net	-14.7M	-2.9M	-4.9M	16.1M	5.4M	5.5M	15.6M	-57.7M	44.3M	165.8M	-49.4M	-86.1M
Pretax income	667.1M	716.3M	712.1M	617.7M	70M	56.6M	342.6M	274M	425.8M	373.7M	-1.1B	-457.7M
Income tax	139.8M	161.9M	140.8M	131.8M	12.8M	6.3M	10.7M	26.3M	63.9M	56.1M	-243.4M	37M
Net income	527.3M	554.4M	571.3M	485.9M	57.2M	50.2M	331.4M	247.5M	357.5M	317.6M	-868.2M	-494.7M
Net margin	39.8%	42.3%	44.8%	35.3%	27.4%	24%	22.8%	15.9%	21.4%	20.2%	-97.2%	-53.3%
EBITDA	671.3M	693.4M	687.1M	573.8M	61.2M	48M	278.9M	365.9M	351.2M	42.8M	-1.1B	-283.8M
EPS	5.96	6.27	6.51	5.58	4.74	4.06	3.84	2.86	4.14	3.65	-10.1	-5.64
Diluted EPS	5.89	6.22	6.45	5.51	4.69	4.04	3.82	2.85	4.11	3.63	-10.1	-5.64

P/E

Annual history by fiscal year; click a table row below to chart a different metric.

Current values are trailing twelve months where available, otherwise the latest fiscal year; unreported figures show a dash.

Key stats

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Market cap	—	19.2B	4.8B	—	2.2B	1.8B	867.6M	2B	—	321.1M	321.1M
Enterprise value	—	16.4B	1.5B	—	120M	-188.7M	-3.6B	-4.3B	—	-3B	-3B
Shares outstanding	428.6M	436.7M	443.1M	671.4M	653.6M	612.8M	633.3M	642.8M	86.6M	86.8M	86.8M

Valuation

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
P/E	—	—	3.02	—	—	1.7	0.73	0.96	—	5.89	5.89
P/S	—	1.66	0.42	—	0.55	0.39	0.25	0.41	—	0.06	0.06
P/B	—	6.46	-13.1	—	0.58	0.36	0.14	0.25	—	0.03	0.03
EV/EBITDA	—	-78	5.82	—	0.13	-0.13	-2.37	-1.6	—	11.1	11.1
EV/Sales	—	1.42	0.13	—	0.03	-0.04	-1.04	-0.87	—	-0.52	-0.52
Earnings yield	—	—	33.2%	—	—	58.9%	137.7%	103.7%	—	17%	17%
FCF yield	—	-0.18%	-86.1%	—	12.3%	8.49%	213.1%	108%	—	211.1%	211.1%

Profitability

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Gross margin	94.4%	89.2%	90.6%	92.3%	72.1%	83%	77.4%	80.1%	84.8%	86.3%	86.3%
Operating margin	33.5%	-0.69%	6.9%	13.1%	-1.26%	28.7%	42.9%	53%	28.4%	-3.88%	-3.88%
Net margin	34.5%	-1.63%	14.1%	13.4%	-17.5%	23.1%	34.8%	42.5%	27.3%	0.95%	0.95%
ROE	52.2%	-6.33%	-434.7%	25.7%	-18.3%	21.4%	19.8%	25.7%	16.6%	0.59%	0.59%
ROA	23.3%	-2.5%	11.1%	12%	-10.3%	13.3%	14%	20.2%	12.2%	0.41%	0.41%
ROIC	7.9K%	0%	-19.1%	82.6%	-2.92%	38.4%	74%	113.1%	26.4%	-3.72%	-3.72%
Return on tangible assets	23.3%	-2.5%	11.1%	12%	-10.3%	13.3%	14.1%	20.4%	12.3%	0.41%	0.41%

Financial health

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Current ratio	3.58	3.87	0.78	2.38	2.59	4.13	5.11	4.72	5.61	6.82	6.82
Quick ratio	3.58	3.87	0.78	2.38	2.59	4.13	5.11	4.72	5.61	6.82	6.82
Debt / equity	—	—	-0.53	0.07	0.15	0.23	0.13	0	0	0.01	0.01
Debt / assets	—	—	0.01	0.03	0.09	0.14	0.09	0	0	0	0
Net debt / EBITDA	—	—	-12.5	-2.46	-2.21	-1.33	-2.95	-2.35	-2.7	12.3	12.3
Effective tax rate	0%	100%	10.9%	17.1%	0%	14.1%	20.1%	21.4%	15%	0%	0%

Per share

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Revenue per share	7.55	26.4	25.4	12.8	6.06	7.31	5.42	7.62	67	65.9	65.9
EPS (basic)	18.9	22.8	15.8	12.5	-7.68	12.2	13.7	23.5	18.3	0.47	0.47
EPS (diluted)	18.8	22.4	15.6	12.4	-7.68	12.1	13.6	23.3	18.1	0.46	0.46
Book value per share	4.99	6.8	-0.82	6.69	5.78	7.87	9.52	12.6	110.2	106.8	106.8
FCF per share	4.86	-0.08	-9.25	0.34	0.41	0.24	2.92	3.37	16.3	7.81	7.81
Cash per share	4.96	6.46	7.77	5.45	4.05	4.96	8.28	9.81	49.3	38.6	38.6
Capex per share	0.07	0.41	0.32	0.07	0.02	0.01	0	0.01	0.11	—	—

Capital allocation

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Capex / revenue	0.93%	1.56%	1.25%	0.56%	0.31%	0.2%	0%	0.09%	0.16%	—	—
Capex / operating cash flow	1.47%	21.4%	-24%	-4.15%	-2.16%	-8.82%	0%	0.24%	0.94%	—	—
Payout ratio	0%	-321.8%	6.75%	0%	0%	—	—	—	7.73%	500.9%	500.9%
Dividend yield	—	3.15%	2.24%	—	0%	—	—	—	—	85.1%	85.1%

Yield

—

trailing twelve months

Frequency

Semi-annual

Last dividend

$0.22

ex-dividend Apr 30, 2025

Payout ratio

501%

of earnings

Dividend growth

1 year

consecutive annual raises

Dividend per share

Split-adjusted payout per share by ex-dividend date.

Recent payouts

Ex-dividend	Amount
Apr 30, 2025	$0.22
Sep 30, 2024	$0.20
Apr 27, 2018	$0.28
Sep 28, 2017	$1.48

Period	Q2 23	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26
Revenue	$1.3B	$1.3B	$1.3B	$1.4B	$208.9M	$209.1M	$1.5B	$1.6B	$1.7B	$1.6B	$893.3M	$927.6M
YoY change	+65.3%	+55.9%	+17.1%	+39.7%	-84.2%	-84.1%	+14%	+12.8%	+701.6%	+653.2%	-38.5%	-40.3%

Assets vs. liabilities & equity

What the company owns (left stack) against what it owes plus shareholders' equity (right stack). The two stacks should match — that's the balance.

Condensed balance sheet

Click a row to chart it; unreported figures show a dash.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Cash & short-term investments	2.1B	2.8B	3.4B	3.7B	2.6B	3B	5.2B	6.3B	4.3B	3.4B
Receivables	28.6M	21.4M	40.3M	3.4M	122.7M	305M	221M	499M	566.5M	826.1M
Inventory	—	—	—	—	—	—	—	—	—	—
Total current assets	4.2B	6.6B	9B	6.5B	5.6B	6.4B	7.7B	9.1B	11.7B	12.1B
Property, plant & equipment	39M	107.4M	227.5M	491.5M	214.4M	144.8M	44.2M	31.1M	46.1M	75.7M
Goodwill & intangibles	—	—	—	—	—	—	66.5M	75.5M	77.1M	33.7M
Total assets	4.8B	7.5B	14.3B	9.6B	6.7B	7.7B	8.5B	10.3B	13B	13.5B
Accounts payable	13.7M	33.8M	307M	43.6M	9.9M	19.1M	14.1M	30.9M	43.2M	79.6M
Short-term debt	—	—	—	—	—	—	—	—	—	—
Total current liabilities	1.2B	1.7B	11.7B	2.7B	2.2B	1.6B	1.5B	1.9B	2.1B	1.8B
Long-term debt	—	—	192.4M	300.9M	582.4M	1.1B	803.1M	23.6M	40.8M	48.8M
Total liabilities	2.6B	4.5B	14.6B	5.2B	2.9B	2.9B	2.5B	2.2B	3.4B	4.2B
Shareholders' equity	2.1B	3B	-363.4M	4.5B	3.8B	4.8B	6B	8.1B	9.5B	9.3B
Total debt	—	—	192.4M	300.9M	582.4M	1.1B	803.1M	23.6M	40.8M	48.8M
Net debt	—	—	-2.4B	-2.9B	-1.9B	-1.8B	-3.5B	-5.8B	-3.8B	-3.3B

Assets vs. liabilities & equity

What the company owns (left stack) against what it owes plus shareholders' equity (right stack). The two stacks should match — that's the balance.

Condensed balance sheet

Click a row to chart it; unreported figures show a dash.

Period	Q2 23	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26
Cash & short-term investments	5.9B	5.9B	6.3B	6.4B	825M	578.2M	4.3B	4B	4.1B	3.9B	3.4B	2.5B
Receivables	490.7M	432.8M	499M	610.7M	91.4M	94.5M	566.5M	583.5M	553.7M	796.6M	826.1M	911.4M
Inventory	—	—	—	—	—	—	—	—	—	—	—	—
Total current assets	8.2B	8.1B	9.1B	8.6B	1.3B	1.3B	11.7B	10.3B	11.1B	11.6B	12.1B	9.4B
Property, plant & equipment	99.4M	100.8M	31.1M	96.5M	13.6M	13.4M	46.1M	117.3M	122.3M	125.1M	75.7M	118.5M
Goodwill & intangibles	—	—	75.5M	—	—	—	77.1M	—	—	—	33.7M	—
Total assets	9.4B	9.4B	10.3B	11B	1.6B	1.8B	13B	13.3B	14.4B	15.5B	13.5B	12.5B
Accounts payable	66.7M	38M	30.9M	41.5M	6.1M	6M	43.2M	79.9M	61.6M	50.4M	79.6M	93.8M
Short-term debt	—	—	—	—	—	—	—	—	—	—	—	—
Total current liabilities	438M	1.6B	1.9B	2.1B	301.8M	308.1M	2.1B	1.9B	2.6B	3.1B	1.8B	1B
Long-term debt	419M	27.7M	23.6M	19M	2.7M	2.2M	40.8M	37.8M	38.3M	51.9M	48.8M	35.3M
Total liabilities	2.4B	1.8B	2.2B	2.4B	398M	448.5M	3.4B	3.5B	4.5B	5.1B	4.2B	3.7B
Shareholders' equity	7B	7.5B	8.1B	8.6B	1.3B	1.3B	9.5B	9.8B	10B	10.3B	9.3B	8.8B
Total debt	419M	27.7M	23.6M	19M	2.7M	2.2M	40.8M	37.8M	38.3M	51.9M	48.8M	35.3M
Net debt	-5.4B	-5.4B	-5.8B	-5.9B	-764.5M	-521.6M	-3.8B	-4B	-4.1B	-3.8B	-3.3B	-2.4B

Cash generation and uses

Cash from operations, what's left after capex, and what went back to shareholders. Bars below the line are cash going out.

Condensed cash flow statement

Click a row to chart it; unreported figures show a dash.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Net income	1.1B	-188.1M	1.6B	1.2B	-692.7M	1B	1.2B	2.1B	1.6B	54.5M
Depreciation & amortization	10.6M	140.9M	148M	394.6M	327.5M	139.9M	52.8M	25.4M	28.3M	30.6M
Stock-based compensation	17.2M	125.6M	120M	43.9M	14.2M	19.1M	22.1M	6.8M	16.9M	30.2M
Change in working capital	871.7M	676.6M	-2.2B	-2.7B	-369.8M	-1.3B	291.3M	-280.1M	-654.5M	-2.3B
Operating cash flow	2B	841.4M	-584.6M	-1.2B	-577M	-99.6M	1.5B	1.8B	973M	703.6M
Capital expenditure	-30M	-179.8M	-140.1M	-47.9M	-12.4M	-8.8M	-11K	-4.3M	-9.2M	—
Investing cash flow	-1.4B	-1.2B	3.3B	1.1B	-1.8B	-346.5M	52.6M	100M	-3.1B	-1.6B
Dividends paid	0	-605.2M	-106.6M	0	0	—	—	—	-122.3M	-273.1M
Share repurchases	0	0	-254K	-36.8M	-3M	-2.8M	-3.8M	-48.1M	-75.6M	-223K
Financing cash flow	135.3M	2.6B	-668M	-1.1B	955.4M	427.4M	-489.1M	-569.3M	-277.2M	662.6M
Net change in cash	749.3M	2.3B	2B	-1.2B	-1.4B	-18.7M	1.1B	1.4B	-2.4B	-184.2M
Free cash flow	2.1B	-33.9M	-4.1B	226.2M	268.3M	148.8M	1.8B	2.2B	1.4B	677.9M

Cash generation and uses

Cash from operations, what's left after capex, and what went back to shareholders. Bars below the line are cash going out.

Condensed cash flow statement

Click a row to chart it; unreported figures show a dash.

Period	Q4 20	Q1 21	Q2 21	Q3 21	Q4 21	Q3 22	Q4 22	Q1 23	Q1 24	Q1 25	Q2 25	Q1 26
Net income	—	—	—	—	—	—	—	—	—	—	—	—
Depreciation & amortization	—	—	—	—	—	—	—	—	—	—	—	—
Stock-based compensation	—	—	—	—	—	—	—	—	—	—	—	—
Change in working capital	—	—	—	—	—	—	—	—	—	—	—	—
Operating cash flow	—	—	—	—	—	—	—	—	—	—	411.2M	-655.6M
Capital expenditure	—	—	—	—	—	—	—	—	—	—	—	—
Investing cash flow	—	—	—	—	—	—	—	—	—	—	—	—
Dividends paid	—	—	—	—	—	—	—	—	—	—	—	—
Share repurchases	—	—	—	—	—	—	—	—	—	—	—	—
Financing cash flow	—	—	—	—	—	—	—	—	—	—	—	—
Net change in cash	—	—	—	—	—	—	—	—	—	—	411.2M	-655.6M
Free cash flow	-232.8M	-142M	-213M	323.8M	180M	342.9M	471M	390.3M	631.7M	478.6M	411.2M	-655.6M

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EPS

Revenue

Results

EPS

Revenue

Results

Total revenue

Total revenue

Revenue and profits

Condensed income statement

Revenue and profits

Condensed income statement

P/E

Key stats

Valuation

Profitability

Financial health

Per share

Capital allocation

Dividend per share

Recent payouts

Assets vs. liabilities & equity

Condensed balance sheet

Assets vs. liabilities & equity

Condensed balance sheet

Cash generation and uses

Condensed cash flow statement

Cash generation and uses

Condensed cash flow statement