Yiren Digital (YRD) Net Cash Flow (2015 - 2025)

Yiren Digital (YRD) reported Net Cash Flow of -$54.4 million for Q4 2025, down 273.03% on a YoY basis from $31.4 million in Q4 2024, and down 111.14% quarter-over-quarter from -$25.8 million in Q3 2025.

Yiren Digital (YRD) Net Cash Flow (2015 - 2025) Analysis & Trends

Yiren Digital has reported Net Cash Flow for 8 years, with the latest figure at -$54.4 million in Q4 2025.

  • For the quarter ending Q4 2025, Net Cash Flow fell 273.03% year-over-year to -$54.4 million; the trailing twelve-month figure through Dec 2025 stood at $14.8 billion (up 136.34% YoY), and the FY2025 full-year result was -$29.6 million, up 89.01% from the prior year.
  • Net Cash Flow for Q4 2025 stood at -$54.4 million, down from -$25.8 million in the prior quarter.
  • The five-year high for Net Cash Flow was $101.6 billion in Q4 2022, with the low at -$168.2 billion in Q4 2023.
  • Historically, Net Cash Flow has averaged -$4.2 billion across 5 years, with a median of -$17.5 million in 2024.
  • The largest YoY upside for Net Cash Flow was 472.85% in 2025 against a maximum downside of 273.03% in 2025.
  • Yiren Digital's Net Cash Flow stood at $82.2 billion in 2021, then grew by 23.58% to $101.6 billion in 2022, then sank by 265.59% to -$168.2 billion in 2023, then jumped by 100.02% to $31.4 million in 2024, then plunged by 273.03% to -$54.4 million in 2025.
  • The last three Net Cash Flow figures came in at -$54.4 million (Q4 2025), -$25.8 million (Q3 2025), and $14.9 billion (Q2 2025), per Business Quant data.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Net Cash Flow (Qtr)
1 Visa 541.66 Bn 529.25 Bn - -4.28 Bn
2 Mastercard 437.55 Bn 427.34 Bn - -2.37 Bn
3 American Express 212.80 Bn 158.76 Bn 17.43 Bn 5.91 Bn
4 Capital One Financial 112.47 Bn 35.97 Bn - 17.16 Bn
5 PayPal Holdings 37.70 Bn 28.36 Bn 7.84 Bn -1.53 Bn
6 Synchrony Financial 24.26 Bn 3.70 Bn - 5.59 Bn
7 Affirm Holdings 21.24 Bn 19.51 Bn 261.64 Mn 383.32 Mn
8 SoFi Technologies 20.46 Bn 17.06 Bn 929.25 Mn -1.59 Bn
9 Ally Financial 13.30 Bn 12.86 Bn 1.98 Bn -577.00 Mn
10 Yiren Digital 29.86 Mn -515.90 Mn 105.97 Mn -54.38 Mn

Historic Data

Download Data
DateValue
Dec 31, 2025 -54.38 Mn
Dec 31, 2025 -54.38 Mn
Sep 30, 2025 -25.76 Mn
Sep 30, 2025 -25.76 Mn
Jun 30, 2025 14.88 Bn
Jun 30, 2025 14.88 Bn
Mar 31, 2025 34.79 Mn
Mar 31, 2025 34.79 Mn
Dec 31, 2024 31.43 Mn
Dec 31, 2024 31.43 Mn
Sep 30, 2024 -255.54 Mn
Sep 30, 2024 -255.54 Mn
Jun 30, 2024 -40.59 Bn
Jun 30, 2024 -40.59 Bn
Mar 31, 2024 -9.33 Mn
Mar 31, 2024 -9.33 Mn
Dec 31, 2023 -168.17 Bn
Dec 31, 2023 -168.17 Bn
Sep 30, 2023 -34.72 Bn
Sep 30, 2023 -34.72 Bn