Yiren Digital (YRD) Interest Coverage Ratio (2016 - 2025)
Yiren Digital's (YRD) quarterly Interest Coverage Ratio came in at 143456392.65 in Q4 2025, down 574.11% YoY from 30258097.3 in Q4 2024, and down 574.11% on a QoQ basis from 21280886.54 in Q4 2024.
Yiren Digital (YRD) Interest Coverage Ratio (2016 - 2025) Analysis & Trends
Yiren Digital (YRD) has 6 years of Interest Coverage Ratio data on file, last reported at 143456392.65 in Q4 2025.
- Quarterly Interest Coverage Ratio fell 574.11% year-over-year to 143456392.65 in Q4 2025, while the trailing twelve-month figure through Dec 2025 was 143409291.63 (down 1823.07% YoY) and the FY2025 annual result came in at 31464.78, down 106642.33% from the prior year.
- Interest Coverage Ratio declined to 143456392.65 in Q4 2025, from 21280886.54 in the prior quarter.
- In the past five years, Interest Coverage Ratio ranged from a high of 18190.28 in Q4 2021 to a low of 143456392.65 in Q4 2025.
- A 5-year average of 33359511.13 and a median of 2090058.28 in 2023 frame the typical range for Interest Coverage Ratio.
- Annual changes were most pronounced in 2022 — Interest Coverage Ratio tumbled 36.28% — and 2023, when it slumped 18130.84%.
- Tracing YRD's Interest Coverage Ratio over 5 years: stood at 18190.28 in 2021, then plunged by 36.28% to 11591.57 in 2022, then tumbled by 18130.84% to 2090058.28 in 2023, then tumbled by 918.2% to 21280886.54 in 2024, then sank by 574.11% to 143456392.65 in 2025.
- The last three Interest Coverage Ratio figures came in at 143456392.65 (Q4 2025), 21280886.54 (Q4 2024), and 2090058.28 (Q4 2023), per Business Quant data.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 618.21 Bn | 605.85 Bn | - | 35.45 |
| 2 | Mastercard | 506.53 Bn | 493.04 Bn | - | 25.63 |
| 3 | American Express | 232.32 Bn | 183.00 Bn | 17.99 Bn | 1.79 |
| 4 | Capital One Financial | 136.19 Bn | 81.48 Bn | - | 1.53 |
| 5 | PayPal Holdings | 52.34 Bn | 41.08 Bn | - | 1.46 |
| 6 | Eason Technology | 35.89 Bn | 35.89 Bn | - | - |
| 7 | Synchrony Financial | 26.09 Bn | 9.90 Bn | - | 2.22 |
| 8 | Affirm Holdings | 25.93 Bn | 24.20 Bn | - | 0.78 |
| 9 | SoFi Technologies | 23.04 Bn | 22.68 Bn | -41.62 Mn | -3.03 |
| 10 | Yiren Digital | 211.69 Mn | -215.74 Mn | - | - |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | -143.46 Mn |
| Dec 31, 2024 | -21.28 Mn |
| Dec 31, 2023 | -2.09 Mn |
| Dec 31, 2022 | 11,591.57 |
| Dec 31, 2021 | 18,190.28 |
| Dec 31, 2016 | 129.32 |