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