Yiren Digital (YRD) EBT Margin (2015 - 2026)
Yiren Digital's (YRD) quarterly EBT Margin came in at 50.01% in Q1 2026, down 6764.0% on a YoY basis from 0.75% in Q1 2025, and up 56.91% quarter-over-quarter from 116.07% in Q4 2025.
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Analysis
Yiren Digital (YRD) EBT Margin (2015 - 2026) Analysis & Trends
Yiren Digital (YRD) has reported EBT Margin for 10 consecutive years, with 50.01% the latest figure, recorded in Q1 2026.
- For the quarter ending Q1 2026, EBT Margin fell 6764.0% year-over-year to 50.01%; the trailing twelve-month figure through Mar 2026 stood at 15.51% (down 4090.0% YoY), and the FY2025 full-year result was 0.66%, down 3273.0% from the prior year.
- EBT Margin climbed to 50.01% in Q1 2026 per YRD's latest filing, from 116.07% in the prior quarter.
- Across five years, EBT Margin topped out at 54649.14% in Q3 2023 and bottomed at 116.07% in Q4 2025.
- Historically, EBT Margin has averaged 3235.8% across 5 years, with a median of 33.51% in 2024.
- The sharpest annual moves came in 2023 and 2024: EBT Margin soared 5460865 bps in 2023, then sank 5462209 bps in 2024.
- Over 5 years, EBT Margin stood at 59.24% in 2022, then retreated by 6 bps to 55.88% in 2023, then tumbled by 58 bps to 23.59% in 2024, then plunged by 592 bps to 116.07% in 2025, then surged by 57 bps to 50.01% in 2026.
- According to Business Quant data, EBT Margin over the past three periods registered 50.01%, 116.07%, and 24.03% for Q1 2026, Q4 2025, and Q3 2025 respectively.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Affirm Holdings | 24.20 Bn | 22.57 Bn | - | 14.50% |
| 2 | Synchrony Financial | 23.63 Bn | 7.43 Bn | - | 24.62% |
| 3 | FirstCash Holdings | 9.58 Bn | 9.41 Bn | 533.67 Mn | 11.82% |
| 4 | Credit Acceptance | 5.83 Bn | 5.34 Bn | 569.30 Mn | 28.70% |
| 5 | Slm | 4.56 Bn | -237.27 Mn | - | 19.08% |
| 6 | Enova International | 4.20 Bn | 4.08 Bn | 568.07 Mn | 15.08% |
| 7 | Bread Financial Holdings | 3.98 Bn | -16.10 Bn | 957.00 Mn | 19.84% |
| 8 | StoneCo | 3.10 Bn | 1.48 Bn | 308.97 Mn | 19.43% |
| 9 | Ezcorp | 1.89 Bn | 1.58 Bn | 246.19 Mn | 12.42% |
| 10 | Yiren Digital | 86.47 Mn | -338.94 Mn | - | -50.01% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Mar 31, 2026 | -50.01% |
| Dec 31, 2025 | -116.07% |
| Sep 30, 2025 | 24.03% |
| Jun 30, 2025 | 25.78% |
| Mar 31, 2025 | 17.62% |
| Dec 31, 2024 | 23.59% |
| Sep 30, 2024 | 27.05% |
| Jun 30, 2024 | 33.51% |
| Mar 31, 2024 | 44.82% |
| Dec 31, 2023 | 55.88% |
| Sep 30, 2023 | 54,649.14% |
| Jun 30, 2023 | 50.38% |
| Mar 31, 2023 | 55.74% |
| Dec 31, 2022 | 59.24% |
| Sep 30, 2022 | 40.49% |
| Jun 30, 2022 | 37.03% |
| Mar 31, 2022 | 30.35% |
| Dec 31, 2021 | 31.87% |
| Sep 30, 2021 | 32.21% |
| Jun 30, 2021 | 22.70% |
API Access
Yiren Digital EBT Margin 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-margin&ticker=YRD&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "ebt-margin", "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-margin&ticker=YRD&period=max&api_key=YOUR_API_KEY");
const data = await res.json();