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
RevenueNet income
Margins (gross / operating / net)
GrossOperatingNet
Free cash flow (CFO − capex)
Free cash flow
Cash vs total debt
CashTotal debt
Cash flow: operating / investing / financing
OperatingInvestingFinancing
Key annual figures
FY
Revenue
Net income
Gross M
Op M
FCF
Total debt
Cash
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.
The price-to-earnings ratio has risen from 2.1× (Mar '23) to 24.4× (Jun '26).
The price-to-sales ratio has fallen from 0.2× (Jan '24) to 0.0× (Jun '26).
The dividend yield has risen from 2.0% (Dec '24) to 20.5% (Jun '26).
Price / earnings (P/E)
P/E
Price / sales (P/S)
P/S
Dividend yield (%)
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.