Yiren Digital (YRD) Gross Margin (2015 - 2026)
Yiren Digital (YRD) posted Gross Margin of 87.23% for Q1 2026, up 9.08% quarter-over-quarter from 79.97% in Q4 2025, and up 504.0% year-on-year from 14.44% in Q1 2025.
Yiren Digital (YRD) Gross Margin (2015 - 2026) Analysis & Trends
Yiren Digital (YRD) has reported Gross Margin for 9 consecutive years, with 87.23% the latest figure, recorded in Q1 2026.
- Gross Margin for Q1 2026 came in at 87.23%, up 504.0% year-over-year; the trailing twelve-month figure through Mar 2026 was 77.5% (down 295.0% YoY), and the FY2025 annual result was 79.72%, up 33.0% from the prior year.
- Gross Margin was 87.23% for Q1 2026 at Yiren Digital, up from 79.97% in the prior quarter.
- Over five years, Gross Margin peaked at 90.2% in Q4 2022 and troughed at 16226056.98% in Q3 2022.
- Average Gross Margin over 5 years is 1158927.14%, with a median of 80.46% recorded in 2025.
- Year-over-year, Gross Margin jumped 1622614279 bps in 2023 and sank 850 bps in 2024.
- Over 5 years, Gross Margin stood at 90.2% in 2022, then decreased by 3 bps to 87.55% in 2023, then retreated by 9 bps to 79.37% in 2024, then increased by 1 bps to 79.97% in 2025, then climbed by 9 bps to 87.23% in 2026.
- Per Business Quant data, the three most recent Gross Margin figures were 87.23% in Q1 2026, 79.97% in Q4 2025, and 78.66% in Q3 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Gross Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | - |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | - |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 92.17% |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | 93.80% |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 78.22% |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | 84.45% |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 94.24% |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 97.03% |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | 71.98% |
| 10 | Yiren Digital | 159.21 Mn | -192.93 Mn | 115,723.38 Bn | 87.23% |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 87.23% |
| Dec 31, 2025 | 99,607,865.42% |
| Sep 30, 2025 | -21,335,313.55% |
| Jun 30, 2025 | -20,591.75% |
| Mar 31, 2025 | 82.18% |
| Dec 31, 2024 | 79.37% |
| Sep 30, 2024 | 100.00% |
| Jun 30, 2024 | 100.00% |
| Mar 31, 2024 | 79.88% |
| Dec 31, 2023 | 87.55% |
| Sep 30, 2023 | 85.81% |
| Jun 30, 2023 | 88.75% |
| Dec 31, 2022 | 90.49% |
| Sep 30, 2022 | 83.77% |
| Dec 31, 2021 | 70.21% |
| Jun 30, 2017 | 47.21% |
| Mar 31, 2017 | 54.05% |
| Dec 31, 2016 | 49.78% |
| Sep 30, 2016 | 51.75% |
| Jun 30, 2016 | 51.59% |