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

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

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

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 2026-08-29

Yiren Digital’s dominant mechanic is a 2025 operating-profit collapse that broke the usual link between revenue, earnings, and cash.

FY2025 earnings quality fractured: the company reported an operating loss of -$849.5M but ended near breakeven at net income of $7.8M, implying a substantial offset below operating income. Operating cash flow still reached $100.6M, so cash generation and reported operating profitability told sharply different stories.

Revenue reached $817.8M in FY2025, only modestly above FY2024, while net margin compressed to 0.9%; additional scale did not preserve earnings conversion. Return on assets fell to 0.4%, showing the enlarged asset base produced little bottom-line return.

Cash conversion remained unusually close: FY2025 operating cash flow of $100.6M versus free cash flow of $96.9M indicates that reinvestment consumed little of the cash generated. Meanwhile, debt-to-equity rose from 0.4x to 0.5x, pointing to a modestly more leveraged balance-sheet posture even as equity stayed broadly stable.

Financial Health Signals

Financial Health Score 37/100

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 8/100.

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 62/100.

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 89/100.

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

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 as of fiscal year 2025; long-term debt is not reported for that period.

Shares Outstanding

175M

YoY+1.2%

5Y CAGR+0.8%

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

Dividends Per Share

Not reported for fiscal year 2025.

Margins & Returns

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.

Gross Margin

Not reported for fiscal year 2025.

Operating Margin

Not shown for fiscal year 2025: the reported ratio is below -100.0% of revenue, so it does not read as a share of revenue.

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

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

YRD quarterly income statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13
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
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 (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

Metric	Q4'25	Q4'24	Q4'23	Q4'22	Q4'21	Q4'20	Q4'19	Q4'18

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

YRD Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

YRD quarterly balance sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13
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
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
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	Q4'25	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
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
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
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
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

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

YRD Cash Flow Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

YRD quarterly cash flow statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13
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
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	Q4'25	Q4'24	Q4'23	Q4'22	Q4'21	Q4'20	Q4'19	Q4'18

Not reported in any period shown, so not listed: Operating Cash Flow, 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.

YRD quarterly financial ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13
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
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	Q4'25	Q4'24	Q4'23	Q4'22	Q4'21	Q4'20	Q4'19	Q4'18
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

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

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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 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 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 37 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.