Yiren Digital (YRD) Asset Utilization Ratio (2017 - 2026)
Yiren Digital's (YRD) quarterly Asset Utilization Ratio came in at 0.39 in Q1 2026, down 15.33% on a YoY basis from 0.46 in Q1 2025, and down 1.56% quarter-over-quarter from 0.39 in Q4 2025.
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Yiren Digital (YRD) Asset Utilization Ratio (2017 - 2026) Analysis & Trends
Yiren Digital (YRD) has reported Asset Utilization Ratio for 8 consecutive years, with 0.39 the latest figure, recorded in Q1 2026.
- For the quarter ending Q1 2026, Asset Utilization Ratio fell 15.33% year-over-year to 0.39; the trailing twelve-month figure through Mar 2026 stood at 0.39 (down 15.33% YoY), and the FY2025 full-year result was 0.44, down 10.41% from the prior year.
- Asset Utilization Ratio fell to 0.39 in Q1 2026 per YRD's latest filing, from 0.39 in the prior quarter.
- Across five years, Asset Utilization Ratio topped out at 0.72 in Q4 2022 and bottomed at 0.37 in Q2 2024.
- Historically, Asset Utilization Ratio has averaged 0.46 across 5 years, with a median of 0.44 in 2022.
- The sharpest annual moves came in 2023 and 2024: Asset Utilization Ratio tumbled 48.46% in 2023, then climbed 23.02% in 2024.
- Over 5 years, Asset Utilization Ratio stood at 0.72 in 2022, then sank by 48.46% to 0.37 in 2023, then increased by 20.55% to 0.45 in 2024, then slipped by 12.82% to 0.39 in 2025, then dropped by 1.56% to 0.39 in 2026.
- According to Business Quant data, Asset Utilization Ratio over the past three periods registered 0.39, 0.39, and 0.41 for Q1 2026, Q4 2025, and Q3 2025 respectively.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Asset Util. (Qtr) |
|---|---|---|---|---|---|
| 1 | Synchrony Financial | 24.38 Bn | 8.19 Bn | - | 0.16 |
| 2 | Affirm Holdings | 24.01 Bn | 22.38 Bn | - | 0.29 |
| 3 | FirstCash Holdings | 9.50 Bn | 9.33 Bn | 533.67 Mn | 0.76 |
| 4 | Credit Acceptance | 6.00 Bn | 5.51 Bn | 569.30 Mn | 0.27 |
| 5 | Slm | 4.72 Bn | -77.52 Mn | - | 0.07 |
| 6 | Enova International | 4.35 Bn | 4.22 Bn | 568.07 Mn | 0.49 |
| 7 | Bread Financial Holdings | 4.20 Bn | -15.89 Bn | 957.00 Mn | 0.18 |
| 8 | StoneCo | 2.99 Bn | 1.38 Bn | 308.97 Mn | 0.24 |
| 9 | Ezcorp | 1.88 Bn | 1.57 Bn | 246.19 Mn | 0.74 |
| 10 | Yiren Digital | 86.47 Mn | -338.94 Mn | - | 0.39 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Mar 31, 2026 | 0.39 |
| Dec 31, 2025 | 0.39 |
| Sep 30, 2025 | 0.41 |
| Jun 30, 2025 | 0.44 |
| Mar 31, 2025 | 0.46 |
| Dec 31, 2024 | 0.45 |
| Sep 30, 2024 | 0.46 |
| Jun 30, 2024 | 0.37 |
| Mar 31, 2024 | 0.38 |
| Dec 31, 2023 | 0.37 |
| Sep 30, 2023 | 0.38 |
| Jun 30, 2023 | 0.47 |
| Mar 31, 2023 | 0.71 |
| Dec 31, 2022 | 0.72 |
| Sep 30, 2022 | 0.44 |
| Dec 31, 2021 | 0.69 |
| Sep 30, 2021 | 0.62 |
| Jun 30, 2021 | 0.61 |
| Mar 31, 2021 | 0.66 |
| Dec 31, 2020 | 0.58 |
API Access
Yiren Digital Asset Utilization Ratio API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=asset-utilization-ratio&ticker=YRD&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "asset-utilization-ratio", "ticker": "YRD", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=asset-utilization-ratio&ticker=YRD&period=max&api_key=YOUR_API_KEY");
const data = await res.json();