Yiren Digital (YRD) EBT (2015 - 2026)
Yiren Digital's (YRD) quarterly EBT came in at -$66.4 million in Q1 2026, down 275.74% on a YoY basis from $37.8 million in Q1 2025, and up 57.66% quarter-over-quarter from -$156.7 million in Q4 2025.
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Analysis
Yiren Digital (YRD) EBT (2015 - 2026) Analysis & Trends
Yiren Digital (YRD) has reported EBT for 10 consecutive years, with -$66.4 million the latest figure, recorded in Q1 2026.
- For the quarter ending Q1 2026, EBT fell 275.74% year-over-year to -$66.4 million; the trailing twelve-month figure through Mar 2026 stood at -$111.1 million (down 152.74% YoY), and the FY2025 full-year result was -$5.4 million, down 102.13% from the prior year.
- EBT improved to -$66.4 million in Q1 2026 per YRD's latest filing, from -$156.7 million in the prior quarter.
- Across five years, EBT topped out at $100.3 million in Q4 2023 and bottomed at -$156.7 million in Q4 2025.
- Historically, EBT has averaged $45.6 million across 5 years, with a median of $57.0 million in 2024.
- The sharpest annual moves came in 2023 and 2025: EBT jumped 137.59% in 2023, then slumped 433.91% in 2025.
- Over 5 years, EBT stood at $93.4 million in 2022, then gained by 7.33% to $100.3 million in 2023, then slumped by 53.2% to $46.9 million in 2024, then plunged by 433.91% to -$156.7 million in 2025, then soared by 57.66% to -$66.4 million in 2026.
- According to Business Quant data, EBT over the past three periods registered -$66.4 million, -$156.7 million, and $52.5 million for Q1 2026, Q4 2025, and Q3 2025 respectively.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT (Qtr) |
|---|---|---|---|---|---|
| 1 | Synchrony Financial | 24.38 Bn | 8.19 Bn | - | 1.19 Bn |
| 2 | Affirm Holdings | 24.01 Bn | 22.38 Bn | - | 169.09 Mn |
| 3 | FirstCash Holdings | 9.50 Bn | 9.33 Bn | 533.67 Mn | 127.00 Mn |
| 4 | Credit Acceptance | 6.00 Bn | 5.51 Bn | 569.30 Mn | 168.60 Mn |
| 5 | Slm | 4.72 Bn | -77.52 Mn | - | 80.46 Mn |
| 6 | Enova International | 4.35 Bn | 4.22 Bn | 568.07 Mn | 140.11 Mn |
| 7 | Bread Financial Holdings | 4.20 Bn | -15.89 Bn | 957.00 Mn | 197.00 Mn |
| 8 | StoneCo | 2.99 Bn | 1.38 Bn | 308.97 Mn | 137.75 Mn |
| 9 | Ezcorp | 1.88 Bn | 1.57 Bn | 246.19 Mn | 52.01 Mn |
| 10 | Yiren Digital | 86.47 Mn | -338.94 Mn | - | -66.35 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Mar 31, 2026 | -66.35 Mn |
| Dec 31, 2025 | -156.72 Mn |
| Sep 30, 2025 | 52.49 Mn |
| Jun 30, 2025 | 59.45 Mn |
| Mar 31, 2025 | 37.76 Mn |
| Dec 31, 2024 | 46.93 Mn |
| Sep 30, 2024 | 57.02 Mn |
| Jun 30, 2024 | 69.02 Mn |
| Mar 31, 2024 | 85.55 Mn |
| Dec 31, 2023 | 100.30 Mn |
| Sep 30, 2023 | 98.18 Mn |
| Jun 30, 2023 | 92.00 Mn |
| Mar 31, 2023 | 80.06 Mn |
| Dec 31, 2022 | 93.45 Mn |
| Sep 30, 2022 | 47.84 Mn |
| Jun 30, 2022 | 44.99 Mn |
| Mar 31, 2022 | 33.70 Mn |
| Dec 31, 2021 | 50.90 Mn |
| Sep 30, 2021 | 61.59 Mn |
| Jun 30, 2021 | 39.55 Mn |
API Access
Yiren Digital EBT 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=ebt&ticker=YRD&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "ebt", "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=ebt&ticker=YRD&period=max&api_key=YOUR_API_KEY");
const data = await res.json();