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YRD Financials Yiren Digital Ltd.

13 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →

Growth & profitability

  • Revenue has grown 8.1% per year over the past 5 years.
  • Free cash flow has grown 18.7% per year over the past 5 years.

Financial health

  • Total debt has grown slower than revenue (-12.8% vs 8.1% per year).

Shareholder returns

  • Dividends have been paid for 2 consecutive years, consuming 500.9% of earnings and 40.3% of free cash flow.
  • The dividend has grown 133.0% per year over the past 5 years.
Revenue & net income
-$106M $3B $6B $0 2013 2015 2017 2019 2021 2023 2025
RevenueNet income
Margins (gross / operating / net)
-15% -4% 6% 0% 2013 2015 2017 2019 2021 2023 2025
GrossOperatingNet
Free cash flow (CFO − capex)
-$127M $140M $407M $0 2013 2015 2017 2019 2021 2023 2025
Free cash flow
Cash vs total debt
$0 $408M $816M 2013 2015 2017 2019 2021 2023 2025
CashTotal debt
Cash flow: operating / investing / financing
-$426M -$4M $418M $0 2013 2015 2017 2019 2021 2023 2025
OperatingInvestingFinancing

Key annual figures

FYRevenueNet incomeGross MOp MFCFTotal debtCash
2025 $5.7B $8M 0.0% -14.9% $97M $479M
2024 $5.8B $217M 0.0% 0.0% $194M $526M
2023 $4.9B $293M 0.0% 0.0% $305M $816M
2022 $173M $268M $111M $619M
2021 $162M $23M $161M $450M
2020 -$106M $41M $77M $379M
2019 $166M $32M $19M $459M
2018 $141M -$127M $192M $295M
2017 $211M $407M $285M
2016 $161M $139M
2015 $44M $131M
2014 -$4M $222000
2013 -$8M

Valuation over time

How the market has priced YRD against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.

Price / earnings (P/E)
0.0 44.7 89.4 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
P/E
Price / sales (P/S)
0.0 0.1 0.2 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
P/S
Dividend yield (%)
0.0 10.3 20.5 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
Dividend yield %

Frequently asked questions

Is YRD growing its revenue and profit?

Over the past 5 years, Yiren Digital Ltd.'s revenue has grown 8.1% per year. These are computed facts, not advice.

How much debt does YRD have?

As of FY2025, Yiren Digital Ltd. reported — of total debt against $479M of cash.

What is YRD's profit margin?

In FY2025, gross margin was —, operating margin -14.9%, and net margin 0.1%.

What is YRD's P/E ratio?

As of Jun '26, Yiren Digital Ltd. traded at a price-to-earnings ratio of about 24.4× (market cap ÷ latest annual net income). The valuation charts above show how its P/E, P/S and dividend yield have moved with the share price. These are computed facts, not advice.

Where does this data come from?

All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.

Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.