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 Financials

YRD

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Yiren Digital Ltd (YRD) financial statements, including the 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 2026-04-29

Positive cash flow survived a near wipeout in reported profit, implying FY2025 was driven more by accounting and balance-sheet effects than cash burn.

From FY2023 to FY2025, cash and equivalents fell from $816M to $479M even though operating cash flow stayed positive each year. With FY2025 capex only $3.7M, that cash decline points to capital being redeployed through investing and financing decisions rather than the core operation suddenly becoming physically capital-intensive.

Revenue held up at $818M in FY2025, but net income shrank to $7.8M, so the income statement and the cash flow statement told very different stories. Operating cash flow still reached $101M and free cash flow was $96.9M, which usually signals a large non-cash or timing-driven hit inside reported earnings.

Working capital became less favorable in FY2025: accounts receivable rose from $77.6M to $118M while revenue barely moved. That means more of the year’s sales were still waiting to be collected, which helps explain why cash generation softened even though top-line activity did not fall.

Financial Health Signals

Financial Profile 43/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). 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 has an operating margin of -103.9%, meaning the company retains $-104 of operating profit per $100 of revenue. This below-average margin results in a low score of 0/100, suggesting thin profitability after operating expenses.

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 48/100.

Leverage

Yiren Digital Ltd carries a low D/E ratio of 0.45, meaning only $0.45 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 93/100, indicating a strong balance sheet with room for future borrowing.

Cash Flow

Yiren Digital Ltd converts 11.8% of revenue into free cash flow ($96.9M). This strong cash generation earns a score of 80/100.

Returns

Yiren Digital Ltd's ROE of 0.6% shows moderate profitability relative to equity, earning a score of 34/100. This is down from 16.6% the prior year.

Piotroski F-Score Weak

3/9

Yiren Digital Ltd passes 3 of 9 financial strength tests. 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

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Earnings & Revenue

Revenue

$817.8M

YoY+2.8%

5Y CAGR+6.1%

10Y CAGR+14.6%

Yiren Digital Ltd generated $817.8M in revenue in fiscal year 2025. This represents an increase of 2.8% from the prior year.

EBITDA

-$847.7M

Yiren Digital Ltd's EBITDA was -$847.7M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

Net Income

$7.8M

YoY-96.4%

10Y CAGR-15.9%

Yiren Digital Ltd reported $7.8M in net income in fiscal year 2025. This represents a decrease of 96.4% from the prior year.

EPS (Diluted)

$0.04

YoY-96.4%

Yiren Digital Ltd earned $0.04 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 96.4% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$96.9M

YoY-50.0%

5Y CAGR+18.7%

10Y CAGR+5.3%

Yiren Digital Ltd generated $96.9M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 50.0% from the prior year.

Cash & Debt

$478.8M

YoY-9.0%

5Y CAGR+4.8%

10Y CAGR+13.9%

Yiren Digital Ltd held $478.8M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

175M

YoY+1.2%

5Y CAGR+0.8%

10Y CAGR+4.1%

Yiren Digital Ltd had 175M shares outstanding in fiscal year 2025. This represents an increase of 1.2% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

-103.9%

Yiren Digital Ltd's operating margin was -103.9% in fiscal year 2025, reflecting core business profitability.

Net Margin

0.9%

YoY-26.3pp

5Y CAGR+18.4pp

10Y CAGR-20.0pp

Yiren Digital Ltd's net profit margin was 0.9% in fiscal year 2025, showing the share of revenue converted to profit. This is down 26.3 percentage points from the prior year.

Return on Equity

0.6%

YoY-16.0pp

5Y CAGR+18.9pp

10Y CAGR-28.5pp

Yiren Digital Ltd's ROE was 0.6% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 16.0 percentage points from the prior year.

Capital Allocation

R&D Spending

$58.1M

YoY+3.0%

Yiren Digital Ltd invested $58.1M in research and development in fiscal year 2025. This represents an increase of 3.0% from the prior year.

Share Buybacks

$32K

YoY-99.7%

5Y CAGR-41.5%

Yiren Digital Ltd spent $32K on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 99.7% from the prior year.

Capital Expenditures

$3.7M

YoY+192.6%

5Y CAGR+11.8%

10Y CAGR+3.5%

Yiren Digital Ltd invested $3.7M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 192.6% from the prior year.

YRD Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$817.8M+2.8%	$795.4M+15.4%	$689.5M+38.5%	$498.0M-29.1%	$702.7M+15.7%	$607.2M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	$58.1M+3.0%	$56.4M+169.3%	$21.0M	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
Operating Income	-$849.5M	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
Income Tax	-$13.9M-136.3%	$38.2M-52.0%	$79.6M+82.7%	$43.6M+63.1%	$26.7M+316.2%	-$12.4M
Net Income	$7.8M-96.4%	$216.8M-26.0%	$293.0M+69.1%	$173.2M+6.9%	$162.1M+252.7%	-$106.2M
EPS (Diluted)	$0.04-96.4%	$1.24-24.3%	$1.64+66.0%	$0.99+3.9%	$0.95+261.4%	$-0.59

Metric	Q4'25	Q4'24	Q4'23	Q4'22	Q4'21	Q4'20	Q4'19	Q4'18
Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Income Tax	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
EPS (Diluted)	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

YRD Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$1.9B+8.2%	$1.8B+22.9%	$1.4B+17.0%	$1.2B+1.9%	$1.2B+18.2%	$1.0B
Current Assets	N/A	N/A	N/A	N/A	N/A	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
Inventory	N/A	N/A	N/A	N/A	N/A	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
Goodwill	N/A	N/A	N/A	N/A	N/A	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
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	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
Retained Earnings	$601.4M-1.0%	$607.6M+44.5%	$420.5M+219.1%	$131.8M+438.8%	-$38.9M+79.8%	-$192.7M

Metric	Q4'25	Q4'24	Q4'23	Q4'22	Q4'21	Q4'20	Q4'19	Q4'18
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
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	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
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	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
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	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
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	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
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

YRD Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
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
Capital Expenditures	$3.7M+192.6%	$1.3M+101.0%	$626K+389.1%	$128K-91.3%	$1.5M-29.8%	$2.1M
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
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
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
Dividends Paid	$39.1M+133.0%	$16.8M	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

Metric	Q4'25	Q4'24	Q4'23	Q4'22	Q4'21	Q4'20	Q4'19	Q4'18
Operating Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Financing Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

YRD Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	-103.9%	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%
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%
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%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.45+0.1	0.36+0.1	0.27-0.1	0.42-0.2	0.61-0.2	0.77
FCF Margin	11.8%-12.5pp	24.4%-19.9pp	44.3%-9.6pp	53.8%+50.5pp	3.3%-3.4pp	6.8%

Metric	Q4'25	Q4'24	Q4'23	Q4'22	Q4'21	Q4'20	Q4'19	Q4'18
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Equity	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.45+0.1	0.36+0.1	0.27-0.1	0.42-0.2	0.61-0.2	0.77-0.4	1.15+0.7	0.47
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

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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 operating margin?

Yiren Digital Ltd (YRD) had an operating margin of -103.9% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.

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 Piotroski F-Score?

Yiren Digital Ltd (YRD) has a Piotroski F-Score of 3 out of 9, indicating weak financial health. 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 43 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.