Yiren Digital (YRD) Debt Ratio (2015 - 2026)
Yiren Digital's (YRD) quarterly Debt Ratio came in at 0.0 in Q1 2026, down 84.1% on a YoY basis from 0.01 in Q1 2025, and down 69.86% quarter-over-quarter from 0.0 in Q4 2025.
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Analysis
Yiren Digital (YRD) Debt Ratio (2015 - 2026) Analysis & Trends
Yiren Digital (YRD) has reported Debt Ratio for 12 consecutive years, with 0.0 the latest figure, recorded in Q1 2026.
- For the quarter ending Q1 2026, Debt Ratio fell 84.1% year-over-year to 0.0; the trailing twelve-month figure through Mar 2026 stood at 0.0 (down 84.1% YoY), and the FY2025 full-year result was 0.0, down 62.02% from the prior year.
- Debt Ratio eased to 0.0 in Q1 2026 per YRD's latest filing, from 0.0 in the prior quarter.
- Across five years, Debt Ratio topped out at 0.38 in Q4 2022 and bottomed at 0.0 in Q1 2024.
- Historically, Debt Ratio has averaged 0.05 across 5 years, with a median of 0.01 in 2025.
- The sharpest annual moves came in 2024 and 2025: Debt Ratio tumbled 99.86% in 2024, then jumped 7177.72% in 2025.
- Over 5 years, Debt Ratio stood at 0.38 in 2022, then sank by 99.64% to 0.0 in 2023, then surged by 611.89% to 0.01 in 2024, then slumped by 60.35% to 0.0 in 2025, then plunged by 69.86% to 0.0 in 2026.
- According to Business Quant data, Debt Ratio over the past three periods registered 0.0, 0.0, and 0.0 for Q1 2026, Q4 2025, and Q3 2025 respectively.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Debt Ratio (Qtr) |
|---|---|---|---|---|---|
| 1 | Synchrony Financial | 24.38 Bn | 8.19 Bn | - | 0.13 |
| 2 | Affirm Holdings | 24.01 Bn | 22.38 Bn | - | 0.21 |
| 3 | FirstCash Holdings | 9.50 Bn | 9.33 Bn | 533.67 Mn | 0.43 |
| 4 | Credit Acceptance | 6.00 Bn | 5.51 Bn | 569.30 Mn | 0.58 |
| 5 | Slm | 4.72 Bn | -77.52 Mn | - | 0.20 |
| 6 | Enova International | 4.35 Bn | 4.22 Bn | 568.07 Mn | 0.69 |
| 7 | Bread Financial Holdings | 4.20 Bn | -15.89 Bn | 957.00 Mn | 0.15 |
| 8 | StoneCo | 2.99 Bn | 1.38 Bn | 308.97 Mn | - |
| 9 | Ezcorp | 1.88 Bn | 1.57 Bn | 246.19 Mn | 0.24 |
| 10 | Yiren Digital | 86.47 Mn | -338.94 Mn | - | 0.00 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Mar 31, 2026 | 0.00 |
| Dec 31, 2025 | 0.00 |
| Sep 30, 2025 | 0.00 |
| Jun 30, 2025 | 0.01 |
| Mar 31, 2025 | 0.01 |
| Dec 31, 2024 | 0.01 |
| Sep 30, 2024 | 0.01 |
| Jun 30, 2024 | 0.00 |
| Mar 31, 2024 | 0.00 |
| Dec 31, 2023 | 0.00 |
| Sep 30, 2023 | 0.00 |
| Jun 30, 2023 | 0.08 |
| Mar 31, 2023 | 0.07 |
| Dec 31, 2022 | 0.38 |
| Sep 30, 2022 | 0.13 |
| Jun 30, 2022 | 0.16 |
| Dec 31, 2021 | 0.19 |
| Sep 30, 2021 | 0.20 |
| Jun 30, 2021 | 0.20 |
| Mar 31, 2021 | 0.23 |
API Access
Yiren Digital Debt 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=debt-ratio&ticker=YRD&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "debt-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=debt-ratio&ticker=YRD&period=max&api_key=YOUR_API_KEY");
const data = await res.json();