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
DateValue
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