Yiren Digital (YRD) Asset Utilization Ratio (2016 - 2025)
Yiren Digital (YRD) reported Asset Utilization Ratio of 0.29 for Q4 2025, up 100.0% on a YoY basis from 0.14 in Q4 2024, and up 100.0% quarter-over-quarter from 289492.08 in Q3 2025.
Yiren Digital (YRD) Asset Utilization Ratio (2016 - 2025) Analysis & Trends
Yiren Digital has reported Asset Utilization Ratio for 7 years, with the latest figure at 0.29 in Q4 2025.
- For the quarter ending Q4 2025, Asset Utilization Ratio rose 100.0% year-over-year to 0.29; the trailing twelve-month figure through Dec 2025 stood at 0.29 (up 100.0% YoY), and the FY2025 full-year result was 0.44, down 10.41% from the prior year.
- Asset Utilization Ratio for Q4 2025 stood at 0.29, up from 289492.08 in the prior quarter.
- The five-year high for Asset Utilization Ratio was 234388.28 in Q3 2024, with the low at 289492.08 in Q3 2025.
- Historically, Asset Utilization Ratio has averaged 24552.27 across 5 years, with a median of 189.31 in 2021.
- The largest YoY upside for Asset Utilization Ratio was 46696.28% in 2024 against a maximum downside of 805601.16% in 2024.
- Yiren Digital's Asset Utilization Ratio stood at 134.41 in 2021, then jumped by 179.14% to 375.17 in 2022, then sank by 96.18% to 14.35 in 2023, then plunged by 805601.16% to 115561.21 in 2024, then soared by 100.0% to 0.29 in 2025.
- The last three Asset Utilization Ratio figures came in at 0.29 (Q4 2025), 289492.08 (Q3 2025), and 207852.24 (Q2 2025), per Business Quant data.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Asset Util. (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 541.66 Bn | 529.25 Bn | - | 0.45 |
| 2 | Mastercard | 437.55 Bn | 427.34 Bn | - | 0.64 |
| 3 | American Express | 212.80 Bn | 158.76 Bn | 17.43 Bn | 0.24 |
| 4 | Capital One Financial | 112.47 Bn | 35.97 Bn | - | 0.09 |
| 5 | PayPal Holdings | 37.70 Bn | 28.36 Bn | 7.84 Bn | 0.42 |
| 6 | Synchrony Financial | 24.26 Bn | 3.70 Bn | - | 0.16 |
| 7 | Affirm Holdings | 21.24 Bn | 19.51 Bn | 261.64 Mn | 0.16 |
| 8 | SoFi Technologies | 20.46 Bn | 17.06 Bn | 929.25 Mn | 0.08 |
| 9 | Ally Financial | 13.30 Bn | 12.86 Bn | 1.98 Bn | 0.04 |
| 10 | Yiren Digital | 29.86 Mn | -515.90 Mn | 105.97 Mn | 0.29 |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | 0.29 |
| Sep 30, 2025 | -289,492.08 |
| Jun 30, 2025 | -207,852.24 |
| Mar 31, 2025 | -219,835.78 |
| Dec 31, 2024 | -115,561.21 |
| Sep 30, 2024 | 234,388.28 |
| Jun 30, 2024 | 122,250.56 |
| Mar 31, 2024 | 130,610.43 |
| Dec 31, 2023 | 14.35 |
| Sep 30, 2023 | 500.87 |
| Jun 30, 2023 | 490.96 |
| Dec 31, 2022 | 375.17 |
| Sep 30, 2022 | 244.21 |
| Dec 31, 2021 | 134.41 |
| Jun 30, 2017 | 0.73 |
| Mar 31, 2017 | 0.74 |
| Dec 31, 2016 | 0.74 |
| Sep 30, 2016 | 0.75 |