Yiren Digital Ltd. YRD

Financials SIC 6199 - Finance Services NAICS Finance and Insurance › Securities, Commodity Contracts, and Other Financial Investments and Related Activities › Other Financial Investment Activities derived NYSE

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52-week range — - —

No price or market cap here: this company files no 10-K, so the only share count SEC publishes for it counts its ordinary shares in its home market, while its US listing is a depositary receipt standing for some number of them. That number is in no filing, so a price multiplied by that count is not this company's value and is not shown. The financial statements below are as filed.

Valuation FY2025 figures against the last close

P/S—
P/E—
P/FCF—
EV/EBITDA—
Dividend yield—
Diluted EPS0.04

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $817.8M$795.4M$689.5M$498.0M$702.7M$607.2M$1.24B$817.5M$852.0M$466.4M
R&D $58.1M$56.4M$21.0M———————
SG&A $46.1M$37.6M$32.6M$61.4M$79.4M$96.1M$105.1M$76.4M$81.0M$57.9M
Total operating expenses —$569.8M$324.1M$284.6M$500.7M$715.4M$1.08B$695.6M$594.2M$310.1M
Operating income -$849.5M—————————
Interest expense —$14.4M$11.4M$3.8M$11.5M—————
Pre-tax income -$5.4M$255.1M$372.6M$216.8M$188.8M-$118.5M$200.7M$168.8M$269.4M$158.8M
Income tax $13.9M$38.2M$79.6M$43.6M$26.7M$12.4M$34.4M$28.3M$58.6M$2.0M
Net income $7.8M$216.8M$293.0M$173.2M$162.1M-$106.2M$166.0M$140.6M$210.8M$160.8M
EPS, basic 0.041.251.660.990.96-0.590.901.151.751.36
EPS, diluted 0.041.241.640.990.95-0.590.891.131.721.35
Shares, diluted (wtd. avg.) 174.7M174.7M178.7M175.4M170.6M180.3M186.5M186.3M182.4M118.9M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $478.8M$526.3M$830.0M$614.2M$427.0M$424.8M$501.0M$435.9M$532.7M$336.1M
Property, plant and equipment $7.2M$10.8M$11.1M$11.2M$16.1M$22.6M$28.1M$13.1M$12.6M$5.1M
Total assets $1.92B$1.78B$1.45B$1.24B$1.21B$1.03B$1.39B$1.09B$1.16B$689.0M
Total liabilities $598.1M$471.3M$308.6M$363.2M$457.9M$448.2M$740.4M$348.8M$699.1M$380.7M
Retained earnings $601.4M$607.6M$420.5M$131.8M-$38.9M-$192.7M-$76.6M$554.2M$282.0M$169.5M
Total equity $1.33B$1.31B$1.14B$874.4M$756.6M$579.0M$645.0M$744.8M$456.5M$308.2M

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow $100.6M$195.1M$305.8M$268.1M$24.8M$43.2M$39.4M-$119.3M$417.5M$304.4M
Depreciation and amortisation $1.9M$1.2M$1.0M$3.8M$6.8M$14.1M$18.1M$5.7M$3.6M$1.5M
Stock-based compensation $4.3M$2.3M$951.0K$3.2M$3.0M$2.2M$6.3M$12.4M$12.6M$2.5M
Capital expenditure $3.7M$1.3M$626.0K$128.0K$1.5M$2.1M$6.9M$7.6M$10.8M$4.3M
Investing cash flow -$225.4M-$426.5M$14.1M$7.6M-$54.4M-$275.4M$159.4M-$100.3M-$57.6M-$204.8M
Financing cash flow $94.8M-$38.0M-$80.2M-$70.9M$67.1M$146.4M-$165.1M-$3.8M-$130.6M$19.5M
Dividends paid $39.1M$16.8M—————$15.5M$93.0M—
Buybacks $32.0K$10.4M$6.8M$556.0K$432.0K$467.0K$5.3M$37.0K——

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001213900-26-049159.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. -500M 0 500M 1B 1.5B Revenue, FY2016: 466.4M Net income, FY2016: 160.8M Revenue, FY2017: 852M Net income, FY2017: 210.8M Revenue, FY2018: 817.5M Net income, FY2018: 140.6M Revenue, FY2019: 1.2B Net income, FY2019: 166M Revenue, FY2020: 607.2M Net income, FY2020: -106.2M Revenue, FY2021: 702.7M Net income, FY2021: 162.1M Revenue, FY2022: 498M Net income, FY2022: 173.2M Revenue, FY2023: 689.5M Net income, FY2023: 293M Revenue, FY2024: 795.4M Net income, FY2024: 216.8M Revenue, FY2025: 817.8M Net income, FY2025: 7.8M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $466.4M $852.0M $817.5M $1.24B $607.2M $702.7M $498.0M $689.5M $795.4M $817.8M
Gross profit — — — — — — — — — —
Net income $160.8M $210.8M $140.6M $166.0M -$106.2M $162.1M $173.2M $293.0M $216.8M $7.8M

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