Yiren Digital (YRD) Equity Ratio (2015 - 2025)

Yiren Digital (YRD) reported Equity Ratio of 0.69 for Q4 2025, down 6.24% on a YoY basis from 0.74 in Q4 2024, and up 2.94% quarter-over-quarter from 0.67 in Q3 2025.

Yiren Digital (YRD) Equity Ratio (2015 - 2025) Analysis & Trends

Yiren Digital has reported Equity Ratio for 11 years, with the latest figure at 0.69 in Q4 2025.

  • For the quarter ending Q4 2025, Equity Ratio fell 6.24% year-over-year to 0.69; the trailing twelve-month figure through Dec 2025 stood at 0.69 (down 6.24% YoY), and the FY2025 full-year result was 0.69, down 6.24% from the prior year.
  • Equity Ratio for Q4 2025 stood at 0.69, up from 0.67 in the prior quarter.
  • The five-year high for Equity Ratio was 0.81 in Q3 2023, with the low at 0.57 in Q1 2021.
  • Historically, Equity Ratio has averaged 0.7 across 5 years, with a median of 0.71 in 2022.
  • Annual changes were most pronounced in 2022 — Equity Ratio gained 16.87% — and 2025, when it declined 10.18%.
  • Yiren Digital's Equity Ratio stood at 0.62 in 2021, then increased by 13.41% to 0.71 in 2022, then rose by 11.36% to 0.79 in 2023, then dropped by 6.58% to 0.74 in 2024, then dropped by 6.24% to 0.69 in 2025.
  • The last three Equity Ratio figures came in at 0.69 (Q4 2025), 0.67 (Q3 2025), and 0.69 (Q2 2025), per Business Quant data.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Equity Ratio (Qtr)
1 Visa 541.66 Bn 529.25 Bn - 0.38
2 Mastercard 437.55 Bn 427.34 Bn - 0.13
3 American Express 212.80 Bn 158.76 Bn 17.43 Bn 0.11
4 Capital One Financial 112.47 Bn 35.97 Bn - 0.16
5 PayPal Holdings 37.70 Bn 28.36 Bn 7.84 Bn 0.25
6 Synchrony Financial 24.26 Bn 3.70 Bn - 0.14
7 Affirm Holdings 21.24 Bn 19.51 Bn 261.64 Mn 0.29
8 SoFi Technologies 20.46 Bn 17.06 Bn 929.25 Mn 0.20
9 Ally Financial 13.30 Bn 12.86 Bn 1.98 Bn 0.08
10 Yiren Digital 29.86 Mn -515.90 Mn 105.97 Mn 0.69

Historic Data

Download Data
DateValue
Dec 31, 2025 0.69
Sep 30, 2025 0.67
Jun 30, 2025 0.69
Mar 31, 2025 0.73
Dec 31, 2024 0.74
Sep 30, 2024 0.75
Jun 30, 2024 0.76
Mar 31, 2024 0.78
Dec 31, 2023 0.79
Sep 30, 2023 0.81
Jun 30, 2023 0.75
Mar 31, 2023 0.75
Dec 31, 2022 0.71
Sep 30, 2022 0.69
Jun 30, 2022 0.66
Dec 31, 2021 0.62
Sep 30, 2021 0.59
Jun 30, 2021 0.58
Mar 31, 2021 0.57
Dec 31, 2020 0.56