Yiren Digital (YRD) EBT Margin (2015 - 2025)

Yiren Digital (YRD) reported EBT Margin of 116.07% for Q4 2025, down 11607.0% on a YoY basis from N/an in Q4 2024, and down 580.4% quarter-over-quarter from 24.16% in Q3 2025.

Yiren Digital (YRD) EBT Margin (2015 - 2025) Analysis & Trends

Yiren Digital has reported EBT Margin for 8 years, with the latest figure at 116.07% in Q4 2025.

  • For the quarter ending Q4 2025, EBT Margin fell 11607.0% year-over-year to 116.07%; the trailing twelve-month figure through Dec 2025 stood at 10222.05% (up 1022209.0% YoY), and the FY2025 full-year result was 0.66%, down 3273.0% from the prior year.
  • EBT Margin for Q4 2025 stood at 116.07%, down from 24.16% in the prior quarter.
  • The five-year high for EBT Margin was 33514997.3% in Q2 2024, with the low at 116.07% in Q4 2025.
  • Historically, EBT Margin has averaged 2397062.78% across 5 years, with a median of 45.43% in 2022.
  • Annual changes were most pronounced in 2024 — EBT Margin soared 2000000000 bps — and 2025, when it slumped 2000000000 bps.
  • Yiren Digital's EBT Margin stood at 31.87% in 2021, then soared by 92 bps to 61.08% in 2022, then slipped by 13 bps to 53.38% in 2023, then plunged by 100 bps to 0.0% in 2024, then slumped by 1475067449 bps to 116.07% in 2025.
  • The last three EBT Margin figures came in at 116.07% (Q4 2025), 24.16% (Q3 2025), and 26026.31% (Q2 2025), per Business Quant data.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) EBT Margin (Qtr)
1 Visa 541.66 Bn 529.25 Bn - 63.88%
2 Mastercard 437.55 Bn 427.34 Bn - 57.30%
3 American Express 212.80 Bn 158.76 Bn 17.43 Bn 19.98%
4 Capital One Financial 112.47 Bn 35.97 Bn - 17.72%
5 PayPal Holdings 37.70 Bn 28.36 Bn 7.84 Bn 16.68%
6 Synchrony Financial 24.26 Bn 3.70 Bn - 21.96%
7 Affirm Holdings 21.24 Bn 19.51 Bn 261.64 Mn 32.10%
8 SoFi Technologies 20.46 Bn 17.06 Bn 929.25 Mn 18.14%
9 Ally Financial 13.30 Bn 12.86 Bn 1.98 Bn 19.03%
10 Yiren Digital 29.86 Mn -515.90 Mn 105.97 Mn -116.07%

Historic Data

Download Data
DateValue
Dec 31, 2025 -116.07%
Sep 30, 2025 24.16%
Jun 30, 2025 26,026.31%
Mar 31, 2025 17,655.36%
Dec 31, 2024 0.00%
Sep 30, 2024 0.00%
Jun 30, 2024 33,514,997.30%
Mar 31, 2024 0.00%
Dec 31, 2023 53.38%
Sep 30, 2023 54.65%
Jun 30, 2023 50.38%
Dec 31, 2022 61.08%
Sep 30, 2022 40.49%
Dec 31, 2021 31.87%
Jun 30, 2017 33.76%
Mar 31, 2017 40.98%
Dec 31, 2016 38.32%
Sep 30, 2016 24.22%
Jun 30, 2016 36.78%
Mar 31, 2016 37.68%