Yiren Digital Ltd. key statistics and ratios

In fiscal 2025, Yiren Digital Ltd. had return on equity of 0.6% and a net margin of 1.0%. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Yiren Digital Ltd.: financial ratios, annual
Fiscal year	2014Dec 2014	2015Dec 2015	2016Dec 2016	2017Dec 2017	2018Dec 2018	2019Dec 2019	2020Dec 2020	2021Dec 2021	2022Dec 2022	2023Dec 2023	2024Dec 2024	2025Dec 2025
Net margin	−14.1%	21.0%	34.5%	−1.6%	14.1%	13.4%	−17.5%	23.1%	34.8%	42.5%	27.3%	1.0%
Return on equity	−12.5%	46.9%	—	—	—	56.5%	−16.4%	24.0%	21.8%	29.2%	18.0%	0.6%
Return on assets	—	13.0%	32.8%	−3.0%	14.8%	9.7%	−8.3%	14.3%	14.5%	21.9%	13.6%	0.4%
Effective tax rate	—	31.8%	−1.3%	—	10.9%	17.1%	—	14.1%	20.1%	21.4%	15.0%	—
R&D as % of revenue	—	—	—	—	—	—	—	4.6%	4.4%	3.0%	7.1%	7.1%
Dividends ÷ net income	—	—	—	—	6.7%	—	—	—	—	—	7.7%	500.9%

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Moat

Not assessed: fewer than five years of comparable figures in the filings. AI disruption exposure for this industry: Medium.

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

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Figures from Yiren Digital Ltd.'s SEC filings (10-K and 10-Q). How we read and check them: methodology and data sources. Not investment advice. Back to Yiren Digital Ltd.