Yiren Digital (YRD) FCF Margin (2015 - 2026)
Yiren Digital's (YRD) quarterly FCF Margin came in at 71.34% in Q1 2026, down 10213.0% on a YoY basis from N/an in Q1 2025, and down 277.94% quarter-over-quarter from 18.88% in Q4 2025.
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Analysis
Yiren Digital (YRD) FCF Margin (2015 - 2026) Analysis & Trends
Yiren Digital (YRD) has reported FCF Margin for 10 consecutive years, with 71.34% the latest figure, recorded in Q1 2026.
- For the quarter ending Q1 2026, FCF Margin fell 10213.0% year-over-year to 71.34%; the trailing twelve-month figure through Mar 2026 stood at 8.94% (down 3002.0% YoY), and the FY2025 full-year result was 18.46%, down 663.0% from the prior year.
- FCF Margin eased to 71.34% in Q1 2026 per YRD's latest filing, from 18.88% in the prior quarter.
- Across five years, FCF Margin topped out at 49239.38% in Q3 2023 and bottomed at 71.34% in Q1 2026.
- Historically, FCF Margin has averaged 2920.61% across 5 years, with a median of 32.74% in 2023.
- The sharpest annual moves came in 2023 and 2024: FCF Margin soared 4919860 bps in 2023, then plunged 4923598 bps in 2024.
- Over 5 years, FCF Margin stood at 43.37% in 2022, then fell by 25 bps to 32.74% in 2023, then dropped by 22 bps to 25.69% in 2024, then tumbled by 173 bps to 18.88% in 2025, then slumped by 278 bps to 71.34% in 2026.
- According to Business Quant data, FCF Margin over the past three periods registered 71.34%, 18.88%, and 0.35% for Q1 2026, Q4 2025, and Q3 2025 respectively.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Synchrony Financial | 24.38 Bn | 8.19 Bn | - | 50.23% |
| 2 | Affirm Holdings | 24.01 Bn | 22.38 Bn | - | -1,112.06% |
| 3 | FirstCash Holdings | 9.50 Bn | 9.33 Bn | 533.67 Mn | 7.73% |
| 4 | Credit Acceptance | 6.00 Bn | 5.51 Bn | 569.30 Mn | 52.42% |
| 5 | Slm | 4.72 Bn | -77.52 Mn | - | -31.97% |
| 6 | Enova International | 4.35 Bn | 4.22 Bn | 568.07 Mn | 57.21% |
| 7 | Bread Financial Holdings | 4.20 Bn | -15.89 Bn | 957.00 Mn | 53.68% |
| 8 | StoneCo | 2.99 Bn | 1.38 Bn | 308.97 Mn | 51.85% |
| 9 | Ezcorp | 1.88 Bn | 1.57 Bn | 246.19 Mn | 7.85% |
| 10 | Yiren Digital | 86.47 Mn | -338.94 Mn | - | -71.34% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Mar 31, 2026 | -71.34% |
| Dec 31, 2025 | -18.88% |
| Sep 30, 2025 | -0.35% |
| Jun 30, 2025 | 24.65% |
| Mar 31, 2025 | 30.79% |
| Dec 31, 2024 | 25.69% |
| Sep 30, 2024 | 3.41% |
| Jun 30, 2024 | 24.65% |
| Mar 31, 2024 | 46.29% |
| Dec 31, 2023 | 32.74% |
| Sep 30, 2023 | 49,239.38% |
| Jun 30, 2023 | 54.23% |
| Mar 31, 2023 | 39.57% |
| Dec 31, 2022 | 43.37% |
| Sep 30, 2022 | 40.79% |
| Jun 30, 2022 | 83.25% |
| Mar 31, 2022 | 52.18% |
| Dec 31, 2021 | 18.55% |
| Sep 30, 2021 | 26.29% |
| Jun 30, 2021 | -18.92% |
API Access
Yiren Digital FCF Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=fcf-margin&ticker=YRD&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "fcf-margin", "ticker": "YRD", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=fcf-margin&ticker=YRD&period=max&api_key=YOUR_API_KEY");
const data = await res.json();