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| Date | Value |
|---|---|
| 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% |