Breakdown | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
---|---|---|---|---|---|
Income Statement | |||||
Total Revenue | 5.81B | 4.90B | 3.43B | 4.48B | 3.96B |
Gross Profit | 4.92B | 3.92B | 2.66B | 3.72B | 2.86B |
EBITDA | 1.68B | 2.60B | 1.50B | 1.33B | 277.46M |
Net Income | 1.58B | 2.08B | 1.19B | 1.03B | -692.75M |
Balance Sheet | |||||
Total Assets | 12.98B | 10.28B | 8.54B | 7.74B | 6.70B |
Cash, Cash Equivalents and Short-Term Investments | 4.27B | 6.20B | 5.24B | 3.04B | 2.65B |
Total Debt | 40.77M | 23.65M | 803.13M | 1.10B | 81.85M |
Total Liabilities | 3.44B | 2.19B | 2.51B | 2.92B | 2.92B |
Stockholders Equity | 9.54B | 8.09B | 6.03B | 4.82B | 3.78B |
Cash Flow | |||||
Free Cash Flow | 1.41B | 2.17B | 1.85B | 148.79M | 268.31M |
Operating Cash Flow | 1.42B | 2.17B | 1.85B | 158.19M | 282.03M |
Investing Cash Flow | -3.11B | 100.05M | 52.56M | -346.51M | -1.80B |
Financing Cash Flow | -277.23M | -569.28M | -489.12M | 427.45M | 955.45M |
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
---|---|---|---|---|---|---|---|
79 Outperform | 1.95B | 5.20 | 15.67% | 3.64% | 8.41% | 34.76% | |
77 Outperform | $514.12M | 2.91 | 13.64% | 6.50% | 12.69% | -35.36% | |
76 Outperform | 581.57M | 2.63 | 22.15% | 3.79% | 45.25% | 46.56% | |
73 Outperform | 949.01M | 4.45 | 10.25% | 5.41% | 3.11% | 95.40% | |
70 Outperform | 685.27M | 10.51 | 0.81% | ― | -39.25% | ― | |
45 Neutral | 5.83B | -746.13 | -0.88% | ― | 60.62% | 96.91% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
Yiren Digital Ltd. reported its unaudited financial results for the second quarter of 2025, showcasing significant growth in its financial services sector. The company facilitated loans worth RMB20.3 billion, a 34% increase from the previous quarter, and served over 1.6 million borrowers. Despite a decrease in insurance brokerage revenue, the company achieved a 10% increase in total net revenue compared to the same period in 2024, driven by strong demand for small revolving loan products. The results highlight the company’s operational resilience and strategic focus on AI innovation, geographic expansion, and operational excellence, positioning it for sustained long-term success.
On July 24, 2025, Yiren Digital Ltd. released its 2024 ESG report, emphasizing its commitment to environmental sustainability and social responsibility. The report highlights the company’s AI-driven initiatives, which have improved risk management, customer satisfaction, and fraud prevention. In 2024, Yiren Digital’s efforts in inclusive finance facilitated significant loan distributions and risk coverage for diverse clients, while its green transition strategy reduced energy use and supported low-carbon industries. These actions underscore Yiren Digital’s dedication to sustainable practices and its role in fostering a more inclusive and intelligent ecosystem.