What is Yiren Digital Ltd.'s earnings per share (EPS)?

Yiren Digital Ltd. (YRD) reported diluted earnings per share of $0.04 for fiscal year 2025. This represents a -96.4% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Yiren Digital Ltd. (YRD) Financials

YRD

FY2025 annual

Revenue $817.8M +2.8% YoY

Net Income $7.8M -96.4% YoY

EPS (Diluted) $0.04 -96.4% YoY

Free Cash Flow $96.9M -50.0% YoY

Market Cap $56.8M as of Oct 15, 2026

Price / Sales 0.1x on $817.8M revenue, FY2025

Price / Earnings 7.3x on $7.8M net income, FY2025

Price / Book 0.0x on $1.3B equity, Q4 FY2025

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 15, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period FY2025, ended Dec 31, 2025 Reported Apr 29, 2026 Currency USD FYE December

Newest figures come from the 20-F for FY2025, filed Apr 29, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the YRD SEC filings page.

Yiren Digital Ltd. (YRD) reported $817.8M in revenue for fiscal year 2025, up 2.8% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 13 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI YRD FY2025 2026-10-03

FY2025 shows a business still producing cash, but its operating economics broke sharply despite near-flat revenue.

Cash conversion changed from near one-to-one in FY2023 to 12.9x in FY2025 because net income nearly vanished while operating cash flow remained positive; that gap makes net income a poor standalone read on current operating performance. The combination of a -103.9% operating margin and a 1.0% net margin requires explanation through non-operating, noncash, or working-capital items rather than ordinary sales performance alone.

Revenue rose only 2.8% in FY2025, while operating margin reached -103.9%; the deterioration cannot be explained by volume alone. Net margin fell from 27.3% to 1.0%, confirming that the weakness reached bottom-line earnings.

Liabilities rose from $308.6M in FY2023 to $598.1M in FY2025, so expansion was accompanied by greater use of outside funding. Yet FY2025 capital spending was just $3.7M against free cash flow of $96.9M, indicating reported cash generation was not being absorbed by heavy reinvestment.

Financial Health Signals

Financial Health Score 36/100

Scored against operating companies for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Yiren Digital Ltd.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Profitability

Yiren Digital Ltd.'s reported operating margin for fiscal year 2025 is below the lowest share of revenue this page publishes, so the figure is not shown here. This dimension scores 4/100.

Growth

Yiren Digital Ltd.'s revenue grew a modest 2.8% year-over-year to $817.8M. This slow but positive growth earns a score of 63/100.

Leverage

Yiren Digital Ltd. has a moderate D/E ratio of 0.45. This balance of debt and equity financing earns a leverage score of 63/100.

Liquidity

Not available for Yiren Digital Ltd., and counted as zero in the overall score.

Cash Flow

Yiren Digital Ltd. converts 11.8% of revenue into free cash flow ($96.9M). This strong cash generation earns a score of 88/100.

Returns

Not available for Yiren Digital Ltd., and counted as zero in the overall score.

Piotroski F-Score Partial

3/6

Yiren Digital Ltd. passes 3 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Cash-Backed

12.90x

For every $1 of reported earnings, Yiren Digital Ltd. generates $12.90 in operating cash flow ($100.6M OCF vs $7.8M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

Export CSV

Earnings & Revenue

None of these metrics is reported for Q4 2025.

Cash & Balance Sheet

Cash & Debt

$478.8M

YoY-9.0%

QoQ-9.0%

Yiren Digital Ltd. held $478.8M in cash as of Q4 2025; long-term debt is not reported for that period.

Shares Outstanding

175M

YoY+1.2%

QoQ+1.2%

Yiren Digital Ltd. had 175M shares outstanding in Q4 2025. This represents an increase of 1.2% from the same quarter a year earlier. Against the prior quarter it is up 1.2%.

Free Cash Flow

Not reported for Q4 2025.

Dividends Per Share

Not reported for Q4 2025.

Margins & Returns

None of these metrics is reported for Q4 2025.

Capital Allocation

None of these metrics is reported for Q4 2025.

YRD Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

YRD quarterly income statement

Metric	FY2520-F	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K
Revenue	$817.8M+2.8%	$795.4M+15.4%	$689.5M+38.5%	$498.0M-29.1%	$702.7M+15.7%	$607.2M-50.9%	$1.2B+51.4%	$817.5M-4.0%	$852.0M+82.7%	$466.4M+123.0%	$209.1M+555.6%	$31.9M+918.6%	$3.1M
R&D Expenses	$58.1M+3.0%	$56.4M+169.3%	$21.0M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$46.1M+22.4%	$37.6M+15.6%	$32.6M-47.0%	$61.4M-22.7%	$79.4M-17.4%	$96.1M-8.5%	$105.1M+37.6%	$76.4M-5.7%	$81.0M+39.8%	$57.9M+165.4%	$21.8M+108.0%	$10.5M+109.9%	$5.0M
Operating Income	-$849.5M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
EBITDA	-$847.7M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	N/A	$14.4M+27.1%	$11.4M+398.3%	-$3.8M+66.9%	-$11.5M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Income Tax	-$13.9M-136.3%	$38.2M-52.0%	$79.6M+82.7%	$43.6M+63.1%	$26.7M+316.2%	-$12.4M-136.0%	$34.4M+21.6%	$28.3M-51.8%	$58.6M+3016.4%	-$2.0M-109.8%	$20.5M+409020.0%	$5K	N/A
Net Income	$7.8M-96.4%	$216.8M-26.0%	$293.0M+69.1%	$173.2M+6.9%	$162.1M+252.7%	-$106.2M-164.0%	$166.0M+18.1%	$140.6M-33.3%	$210.8M+31.1%	$160.8M+266.9%	$43.8M+1074.6%	-$4.5M+46.1%	-$8.3M
EPS (Basic)	$0.04-96.4%	$1.25-24.5%	$1.66+67.2%	$0.99+3.4%	$0.96+262.9%	-$0.59-165.7%	$0.90-22.1%	$1.15-34.3%	$1.75+28.7%	$1.36	N/A	N/A	N/A
EPS (Diluted)	$0.04-96.4%	$1.24-24.3%	$1.64+66.0%	$0.99+3.9%	$0.95+261.4%	-$0.59-166.2%	$0.89	$1.13-34.4%	$1.72+27.6%	$1.35	N/A	N/A	N/A
Diluted Shares (Avg)	175M0.0%	175M-2.2%	179M+1.9%	175M+2.8%	171M-5.4%	180M-3.3%	187M	186M+2.1%	182M+53.4%	119M+18.2%	101M+0.7%	100M	N/A

Metric	Q4'2520-F	Q4'2410-K	Q4'2310-K	Q4'2210-K	Q4'2110-K	Q4'2010-K	Q4'1910-K	Q4'1810-K

Not reported in any period shown, so not listed: Revenue, Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA, Interest Expense, Income Tax, Net Income, EPS (Basic), EPS (Diluted), Diluted Shares (Avg).

YRD Balance Sheet

YRD quarterly balance sheet

Metric	FY2520-F	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K
Total Assets	$1.9B+8.2%	$1.8B+22.9%	$1.4B+17.0%	$1.2B+1.9%	$1.2B+18.2%	$1.0B-25.9%	$1.4B+26.7%	$1.1B-5.4%	$1.2B+67.7%	$689.0M+103.7%	$338.1M+421.6%	$64.8M	N/A
Cash & Equivalents	$478.8M-9.0%	$526.3M-35.5%	$815.7M+31.7%	$619.4M+37.8%	$449.5M+18.8%	$378.5M-17.6%	$459.4M+55.7%	$295.1M+3.4%	$285.4M+104.7%	$139.5M+6.7%	$130.6M+58747.3%	$222K	N/A
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	N/A
Accounts Receivable	$118.1M+52.2%	$77.6M+10.4%	$70.3M+119.3%	$32.0M-33.1%	$47.9M+154.4%	$18.8M+3754.7%	$488K-61.8%	$1.3M-61.1%	$3.3M-20.2%	$4.1M-67.9%	$12.8M-50.7%	$26.0M	N/A
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	N/A
Total Liabilities	$598.1M+26.9%	$471.3M+52.7%	$308.6M-15.0%	$363.2M-20.7%	$457.9M+2.2%	$448.2M-39.5%	$740.4M+112.3%	$348.8M-50.1%	$699.1M+83.6%	$380.7M+103.3%	$187.3M+550.1%	$28.8M	N/A
Total Equity	$1.3B+1.4%	$1.3B+14.8%	$1.1B+30.2%	$874.4M+15.6%	$756.6M+30.7%	$579.0M-10.2%	$645.0M-13.4%	$744.8M+63.2%	$456.5M+48.1%	$308.2M+104.3%	$150.8M+318.8%	$36.0M+1040.3%	$3.2M
Retained Earnings	$601.4M-1.0%	$607.6M+44.5%	$420.5M+219.1%	$131.8M+438.8%	-$38.9M+79.8%	-$192.7M-151.5%	-$76.6M-113.8%	$554.2M+96.5%	$282.0M+66.4%	$169.5M+481.0%	$29.2M+299.2%	-$14.6M	N/A

Metric	Q4'2520-F	Q4'2410-K	Q4'2310-K	Q4'2210-K	Q4'2110-K	Q4'2010-K	Q4'1910-K	Q4'1810-K
Total Assets	$1.9B+8.2%	$1.8B+22.9%	$1.4B+17.0%	$1.2B+1.9%	$1.2B+18.2%	$1.0B-25.9%	$1.4B+26.7%	$1.1B-5.4%
Cash & Equivalents	$478.8M-9.0%	$526.3M-35.5%	$815.7M+31.7%	$619.4M+37.8%	$449.5M+18.8%	$378.5M-17.6%	$459.4M+55.7%	$295.1M+3.4%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Accounts Receivable	$118.1M+52.2%	$77.6M+10.4%	$70.3M+119.3%	$32.0M-33.1%	$47.9M+154.4%	$18.8M+3754.7%	$488K-61.8%	$1.3M-61.1%
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Total Liabilities	$598.1M+26.9%	$471.3M+52.7%	$308.6M-15.0%	$363.2M-20.7%	$457.9M+2.2%	$448.2M-39.5%	$740.4M+112.3%	$348.8M-50.1%
Total Equity	$1.3B+1.4%	$1.3B+14.8%	$1.1B+30.2%	$874.4M+15.6%	$756.6M+30.7%	$579.0M-10.2%	$645.0M-13.4%	$744.8M+63.2%
Retained Earnings	$601.4M-1.0%	$607.6M+44.5%	$420.5M+219.1%	$131.8M+438.8%	-$38.9M+79.8%	-$192.7M-151.5%	-$76.6M-113.8%	$554.2M+96.5%

Not reported in any period shown, so not listed: Current Assets, Inventory, Goodwill, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

YRD Cash Flow Statement

YRD quarterly cash flow statement

Metric	FY2520-F	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K
Operating Cash Flow	$100.6M-48.4%	$195.1M-36.2%	$305.8M+14.0%	$268.1M+980.2%	$24.8M-42.6%	$43.2M+9.8%	$39.4M+133.0%	-$119.3M-128.6%	$417.5M+37.2%	$304.4M+405.8%	$60.2M+263.3%	-$36.8M-226.8%	-$11.3M
Depreciation & Amortization	$1.9M+52.1%	$1.2M+21.6%	$1.0M-73.9%	$3.8M-43.5%	$6.8M-51.8%	$14.1M-22.2%	$18.1M+215.1%	$5.7M+57.3%	$3.6M+138.7%	$1.5M+163.9%	$579K+213.0%	$185K+156.9%	$72K
Stock-Based Compensation	$4.3M+86.3%	$2.3M+143.8%	$951K-70.4%	$3.2M+7.1%	$3.0M+37.9%	$2.2M-65.6%	$6.3M-49.1%	$12.4M-1.7%	$12.6M+408.1%	$2.5M	N/A	N/A	N/A
Capital Expenditures	$3.7M+192.6%	$1.3M+101.0%	$626K+389.1%	$128K-91.3%	$1.5M-29.8%	$2.1M-69.5%	$6.9M-9.2%	$7.6M-30.0%	$10.8M+151.2%	$4.3M+65.4%	$2.6M+350.0%	$580K+371.5%	$123K
Free Cash Flow	$96.9M-50.0%	$193.8M-36.5%	$305.2M+13.9%	$268.0M+1047.9%	$23.3M-43.2%	$41.1M+26.6%	$32.5M+125.6%	-$126.9M-131.2%	$406.7M+35.5%	$300.1M+421.3%	$57.6M+253.8%	-$37.4M-228.4%	-$11.4M
Investing Cash Flow	-$225.4M+47.2%	-$426.5M-3126.7%	$14.1M+84.9%	$7.6M+114.0%	-$54.4M+80.3%	-$275.4M-272.7%	$159.4M+259.0%	-$100.3M-74.2%	-$57.6M	N/A	N/A	N/A	N/A
Financing Cash Flow	$94.8M+349.5%	-$38.0M+52.6%	-$80.2M-13.1%	-$70.9M-205.7%	$67.1M-54.2%	$146.4M+188.7%	-$165.1M-4273.5%	-$3.8M+97.1%	-$130.6M	N/A	N/A	N/A	N/A
Dividends Paid	$39.1M+133.0%	$16.8M	N/A	N/A	N/A	N/A	N/A	$15.5M-83.3%	$93.0M	N/A	N/A	N/A	N/A
Share Buybacks	$32K-99.7%	$10.4M+52.9%	$6.8M+1118.9%	$556K+28.7%	$432K-7.5%	$467K-91.2%	$5.3M+14202.7%	$37K	N/A	N/A	N/A	N/A	N/A

Metric	Q4'2520-F	Q4'2410-K	Q4'2310-K	Q4'2210-K	Q4'2110-K	Q4'2010-K	Q4'1910-K	Q4'1810-K

Not reported in any period shown, so not listed: Operating Cash Flow, Depreciation & Amortization, Stock-Based Compensation, Capital Expenditures, Free Cash Flow, Investing Cash Flow, Financing Cash Flow, Dividends Paid, Share Buybacks.

YRD Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

YRD quarterly financial ratios

Metric	FY2520-F	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K
Operating Margin	-103.9%	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	0.9%-26.3pp	27.3%-15.2pp	42.5%+7.7pp	34.8%+11.7pp	23.1%+40.5pp	-17.5%-30.9pp	13.4%-3.8pp	17.2%-7.6pp	24.8%-9.7pp	34.5%+13.5pp	21.0%+35.1pp	-14.1%	-266.4%
Return on Equity	0.6%-16.0pp	16.6%-9.1pp	25.7%+5.9pp	19.8%-1.6pp	21.4%+39.8pp	-18.3%-44.1pp	25.7%+6.9pp	18.9%-27.3pp	46.2%-6.0pp	52.2%+23.1pp	29.1%+41.6pp	-12.5%+251.7pp	-264.2%
Return on Assets	0.4%-11.8pp	12.2%-8.1pp	20.2%+6.2pp	14.0%+0.7pp	13.4%+23.7pp	-10.3%-22.3pp	12.0%-0.9pp	12.9%-5.4pp	18.3%-5.1pp	23.3%+10.4pp	13.0%+19.9pp	-6.9%	N/A
Debt-to-Equity	0.45+0.1x	0.36+0.1x	0.27-0.1x	0.42-0.2x	0.61-0.2x	0.77-0.4x	1.15+0.7x	0.47-1.1x	1.53+0.3x	1.240.0x	1.24+0.4x	0.80	N/A
Asset Turnover	0.430.0x	0.450.0x	0.48+0.1x	0.40-0.2x	0.580.0x	0.59-0.3x	0.89+0.1x	0.750.0x	0.74+0.1x	0.68+0.1x	0.62+0.1x	0.49	N/A
FCF Margin	11.8%-12.5pp	24.4%-19.9pp	44.3%-9.6pp	53.8%+50.5pp	3.3%-3.4pp	6.8%+4.1pp	2.6%+18.1pp	-15.5%-63.3pp	47.7%-16.6pp	64.3%+36.8pp	27.5%	-117.3%	-364.0%

Metric	Q4'2520-F	Q4'2410-K	Q4'2310-K	Q4'2210-K	Q4'2110-K	Q4'2010-K	Q4'1910-K	Q4'1810-K
Debt-to-Equity	0.45+0.1x	0.36+0.1x	0.27-0.1x	0.42-0.2x	0.61-0.2x	0.77-0.4x	1.15+0.7x	0.47-1.1x

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Net Margin, Return on Equity, Return on Assets, Current Ratio, Asset Turnover, FCF Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Yiren Digital Ltd. YRD	FY2025	$817.8M	$7.8M	0.9%	$56.8M	36/100
X Financial XYF	FY2025	$1.1B	$209.4M	19.2%	$179.1M	53/100
Qudian Inc. American QD	FY2025	$5.9M	$101.3M	N/A	$632.4M	51/100
REGIONAL MANAGEMENT CORP RM	FY2025	$645.6M	$44.4M	6.9%	$308.0M	29/100
PRA Group, Inc. PRAA	FY2025	$1.2B	-$305.0M	-25.4%	$745.8M	29/100

Where Yiren Digital Ltd. Ranks

Frequently Asked Questions

What is Yiren Digital Ltd.'s annual revenue?

Yiren Digital Ltd. (YRD) reported $817.8M in total revenue for fiscal year 2025. This represents a 2.8% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Yiren Digital Ltd.'s revenue growing?

Yiren Digital Ltd. (YRD) revenue grew by 2.8% year-over-year, from $795.4M to $817.8M in fiscal year 2025.

Is Yiren Digital Ltd. profitable?

Yes, Yiren Digital Ltd. (YRD) reported a net income of $7.8M in fiscal year 2025, with a net profit margin of 0.9%.

What is Yiren Digital Ltd.'s EBITDA?

Yiren Digital Ltd. (YRD) had EBITDA of -$847.7M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

What is Yiren Digital Ltd.'s net profit margin?

Yiren Digital Ltd. (YRD) had a net profit margin of 0.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is Yiren Digital Ltd.'s return on equity (ROE)?

Yiren Digital Ltd. (YRD) has a return on equity of 0.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Yiren Digital Ltd.'s free cash flow?

Yiren Digital Ltd. (YRD) generated $96.9M in free cash flow during fiscal year 2025. This represents a -50.0% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Yiren Digital Ltd.'s operating cash flow?

Yiren Digital Ltd. (YRD) generated $100.6M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Yiren Digital Ltd.'s total assets?

Yiren Digital Ltd. (YRD) had $1.9B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Yiren Digital Ltd.'s capital expenditures?

Yiren Digital Ltd. (YRD) invested $3.7M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How much does Yiren Digital Ltd. spend on research and development?

Yiren Digital Ltd. (YRD) invested $58.1M in research and development during fiscal year 2025.

Does Yiren Digital Ltd. buy back shares?

Yes, Yiren Digital Ltd. (YRD) spent $32K on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Yiren Digital Ltd. have outstanding?

Yiren Digital Ltd. (YRD) had 175M shares outstanding as of fiscal year 2025.

What is Yiren Digital Ltd.'s debt-to-equity ratio?

Yiren Digital Ltd. (YRD) had a debt-to-equity ratio of 0.45 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Yiren Digital Ltd.'s return on assets (ROA)?

Yiren Digital Ltd. (YRD) had a return on assets of 0.4% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Yiren Digital Ltd.'s P/E ratio?

Yiren Digital Ltd. (YRD) trades at 7.3x earnings, its market capitalization divided by net income of $7.8M net income, FY2025. The market capitalization is $56.8M as of Oct 15, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Yiren Digital Ltd.'s price-to-sales ratio?

Yiren Digital Ltd. (YRD) trades at 0.1x sales, its market capitalization divided by revenue of $817.8M revenue, FY2025. The market capitalization is $56.8M as of Oct 15, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Yiren Digital Ltd.'s Piotroski F-Score?

Yiren Digital Ltd. (YRD) has a Piotroski F-Score of 3 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Yiren Digital Ltd.'s earnings high quality?

Yiren Digital Ltd. (YRD) has an earnings quality ratio of 12.90x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Yiren Digital Ltd.?

Yiren Digital Ltd. (YRD) scores 36 out of 100 on our Financial Health Score, indicating weak standing within its operating companies peer group. The score is a 0-100 composite of six dimensions (Profitability, Growth, Leverage, Liquidity, Cash Flow, Returns), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.