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Yiren Digital Ltd. Sponsored Adr (YRD)
NYSE:YRD
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YRD
Yiren Digital
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Yiren Digital (YRD) Ratios

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Yiren Digital Ratios

YRD's free cash flow for Q4 2025 was ¥0.73. For the 2025 fiscal year, YRD's free cash flow was decreased by ¥ and operating cash flow was ¥-1.21. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 9.00 6.82 5.61 6.30 5.11
Quick Ratio
 9.00 6.82 5.61 6.30 5.11
Cash Ratio
 2.34 1.88 1.83 4.01 2.84
Solvency Ratio
 -0.18 0.01 0.47 0.95 0.50
Operating Cash Flow Ratio
 0.67 0.40 0.68 1.50 1.23
Short-Term Operating Cash Flow Coverage
 0.00 0.00 0.00 0.00 0.00
Net Current Asset Value
¥ 5.34B¥ 7.95B¥ 8.30B¥ 6.90B¥ 5.17B
Leverage Ratios
Debt-to-Assets Ratio
 <0.01 <0.01 <0.01 <0.01 0.09
Debt-to-Equity Ratio
 <0.01 <0.01 <0.01 <0.01 0.13
Debt-to-Capital Ratio
 <0.01 <0.01 <0.01 <0.01 0.12
Long-Term Debt-to-Capital Ratio
 0.00 <0.01 0.00 0.00 0.11
Financial Leverage Ratio
 1.43 1.45 1.36 1.27 1.42
Debt Service Coverage Ratio
 0.00 0.00 0.00 0.00 0.00
Interest Coverage Ratio
 0.00 0.00 0.00 0.00 0.00
Debt to Market Cap
 0.00 <0.01 0.00 0.00 1.91
Interest Debt Per Share
 0.81 1.13 0.47 0.54 18.83
Net Debt to EBITDA
 -16.27 74.46 -2.27 -2.22 -2.28
Profitability Margins
Gross Profit Margin
85.00%85.82%84.79%80.06%77.38%
EBIT Margin
-9.47%-1.02%28.37%53.00%42.85%
EBITDA Margin
-8.69%-0.80%28.86%53.15%44.39%
Operating Profit Margin
12.03%38.50%28.37%53.00%42.85%
Pretax Profit Margin
-15.18%-1.02%32.07%54.04%43.54%
Net Profit Margin
-13.49%0.71%27.25%42.49%34.79%
Continuous Operations Profit Margin
-13.51%0.71%27.25%42.49%34.79%
Net Income Per EBT
88.88%-69.27%84.98%78.64%79.90%
EBT Per EBIT
-126.15%-2.65%113.04%101.95%101.60%
Return on Assets (ROA)
0.39%0.29%12.19%20.24%14.00%
Return on Equity (ROE)
0.54%0.43%16.58%25.73%19.81%
Return on Capital Employed (ROCE)
9.62%18.37%15.13%29.38%20.93%
Return on Invested Capital (ROIC)
-11.88%-12.73%12.86%23.05%16.72%
Return on Tangible Assets
0.40%0.29%12.22%20.32%14.05%
Earnings Yield
15.04%3.51%52.14%212.60%296.51%
Efficiency Ratios
Receivables Turnover
 0.77 0.85 1.18 2.25 1.58
Payables Turnover
 8.16 9.92 20.45 31.59 54.92
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 43.05 73.65 68.64 70.39 41.54
Asset Turnover
 0.41 0.41 0.45 0.48 0.40
Working Capital Turnover Ratio
 0.54 0.56 0.67 0.71 0.62
Cash Conversion Cycle
 381.10 392.78 291.36 150.56 224.69
Days of Sales Outstanding
 417.78 429.57 309.20 162.11 231.33
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 36.68 36.78 17.84 11.55 6.65
Operating Cycle
 417.78 429.57 309.20 162.11 231.33
Cash Flow Ratios
Operating Cash Flow Per Share
 16.09 16.21 16.44 49.13 43.37
Free Cash Flow Per Share
 15.50 15.62 16.33 49.03 43.34
CapEx Per Share
 0.59 0.59 0.11 0.10 0.02
Free Cash Flow to Operating Cash Flow
 0.96 0.96 0.99 1.00 1.00
Dividend Paid and CapEx Coverage Ratio
 2.35 2.35 10.83 488.53 2.10K
Capital Expenditure Coverage Ratio
 27.33 27.33 154.98 488.53 2.10K
Operating Cash Flow Coverage Ratio
 19.94 14.40 34.93 91.81 2.30
Operating Cash Flow to Sales Ratio
 0.14 0.13 0.25 0.44 0.54
Free Cash Flow Yield
96.97%60.38%46.62%221.42%458.72%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 -0.24 28.75 1.92 0.47 0.34
Price-to-Sales (P/S) Ratio
 0.10 0.20 0.52 0.20 0.12
Price-to-Book (P/B) Ratio
 0.03 0.12 0.32 0.12 0.07
Price-to-Free Cash Flow (P/FCF) Ratio
 0.72 1.66 2.15 0.45 0.22
Price-to-Operating Cash Flow Ratio
 0.35 1.60 2.13 0.45 0.22
Price-to-Earnings Growth (PEG) Ratio
 <0.01 -0.30 -0.09 <0.01 0.03
Price-to-Fair Value
 0.03 0.12 0.32 0.12 0.07
Enterprise Value Multiple
 4.35 49.12 -0.46 -1.84 -2.01
Enterprise Value
 -3.13B -2.18B -765.57M -4.79B -3.07B
EV to EBITDA
 -13.30 49.12 -0.46 -1.84 -2.01
EV to Sales
 -0.55 -0.39 -0.13 -0.98 -0.89
EV to Free Cash Flow
 -4.62 -3.21 -0.54 -2.21 -1.66
EV to Operating Cash Flow
 -4.45 -3.09 -0.54 -2.21 -1.66
Tangible Book Value Per Share
 200.73 213.28 109.71 182.13 140.63
Shareholders’ Equity Per Share
 200.41 213.67 110.15 182.98 141.41
Tax and Other Ratios
Effective Tax Rate
 0.11 1.69 0.15 0.21 0.20
Revenue Per Share
 116.66 128.41 67.02 110.79 80.53
Net Income Per Share
 -15.74 0.91 18.27 47.08 28.02
Tax Burden
 -1.23 -0.69 0.85 0.79 0.80
Interest Burden
 -0.19 1.00 1.13 1.02 1.02
Research & Development to Revenue
 0.05 0.00 0.07 0.03 0.04
SG&A to Revenue
 0.26 0.27 0.25 0.05 0.08
Stock-Based Compensation to Revenue
 <0.01 <0.01 <0.01 <0.01 <0.01
Income Quality
 12.90 12.90 0.90 1.04 1.55
Currency in CNY