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
DateValue
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