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| Date | Value |
|---|---|
| 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 |