Yiren Digital (YRD) FCF Margin (2015 - 2025)
Yiren Digital (YRD) reported FCF Margin of 18.88% for Q4 2025, down 1888.0% on a YoY basis from 1.06% in Q4 2024, and down 5226.02% quarter-over-quarter from 0.35% in Q3 2025.
Yiren Digital (YRD) FCF Margin (2015 - 2025) Analysis & Trends
Yiren Digital has reported FCF Margin for 8 years, with the latest figure at 18.88% in Q4 2025.
- For the quarter ending Q4 2025, FCF Margin fell 1888.0% year-over-year to 18.88%; the trailing twelve-month figure through Dec 2025 stood at 9888.98% (up 988900.0% YoY), and the FY2025 full-year result was 11.69%, down 1268.0% from the prior year.
- FCF Margin for Q4 2025 stood at 18.88%, down from 0.35% in the prior quarter.
- The five-year high for FCF Margin was 24650793.57% in Q2 2024, with the low at 18.88% in Q4 2025.
- Historically, FCF Margin has averaged 1764786.25% across 5 years, with a median of 42.75% in 2022.
- Annual changes were most pronounced in 2024 — FCF Margin surged 2000000000 bps — and 2025, when it plunged 2000000000 bps.
- Yiren Digital's FCF Margin stood at 18.55% in 2021, then soared by 141 bps to 44.72% in 2022, then grew by 8 bps to 48.43% in 2023, then tumbled by 100 bps to 0.0% in 2024, then sank by 220306039 bps to 18.88% in 2025.
- The last three FCF Margin figures came in at 18.88% (Q4 2025), 0.35% (Q3 2025), and 25132.73% (Q2 2025), per Business Quant data.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 541.66 Bn | 529.25 Bn | - | 23.37% |
| 2 | Mastercard | 437.55 Bn | 427.34 Bn | - | 33.56% |
| 3 | American Express | 212.80 Bn | 158.76 Bn | 17.43 Bn | 14.04% |
| 4 | Capital One Financial | 112.47 Bn | 35.97 Bn | - | 35.91% |
| 5 | PayPal Holdings | 37.70 Bn | 28.36 Bn | 7.84 Bn | 10.81% |
| 6 | Synchrony Financial | 24.26 Bn | 3.70 Bn | - | 45.78% |
| 7 | Affirm Holdings | 21.24 Bn | 19.51 Bn | 261.64 Mn | 6,779.64% |
| 8 | SoFi Technologies | 20.46 Bn | 17.06 Bn | 929.25 Mn | -216.52% |
| 9 | Ally Financial | 13.30 Bn | 12.86 Bn | 1.98 Bn | 65.22% |
| 10 | Yiren Digital | 29.86 Mn | -515.90 Mn | 105.97 Mn | -18.88% |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | -18.88% |
| Sep 30, 2025 | -0.35% |
| Jun 30, 2025 | 25,132.73% |
| Mar 31, 2025 | 30,844.04% |
| Dec 31, 2024 | 0.00% |
| Sep 30, 2024 | 0.00% |
| Jun 30, 2024 | 24,650,793.57% |
| Mar 31, 2024 | 0.00% |
| Dec 31, 2023 | 48.43% |
| Sep 30, 2023 | 49.67% |
| Jun 30, 2023 | 54.23% |
| Dec 31, 2022 | 44.72% |
| Sep 30, 2022 | 40.79% |
| Dec 31, 2021 | 18.55% |
| Jun 30, 2017 | 44.83% |
| Mar 31, 2017 | 55.26% |
| Dec 31, 2016 | 78.05% |
| Sep 30, 2016 | 51.39% |
| Jun 30, 2016 | 53.49% |
| Mar 31, 2016 | 57.86% |