Yiren Digital (YRD) Net Margin (2015 - 2026)
Yiren Digital's (YRD) quarterly Net Margin came in at 53.84% in Q1 2026, down 6977.0% on a YoY basis from 0.78% in Q1 2025, and up 51.47% quarter-over-quarter from 110.94% in Q4 2025.
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Analysis
Yiren Digital (YRD) Net Margin (2015 - 2026) Analysis & Trends
Yiren Digital (YRD) has reported Net Margin for 10 consecutive years, with 53.84% the latest figure, recorded in Q1 2026.
- For the quarter ending Q1 2026, Net Margin fell 6977.0% year-over-year to 53.84%; the trailing twelve-month figure through Mar 2026 stood at 17.69% (down 4017.0% YoY), and the FY2025 full-year result was 2.3%, down 3976.0% from the prior year.
- Net Margin advanced to 53.84% in Q1 2026 per YRD's latest filing, from 110.94% in the prior quarter.
- Across five years, Net Margin topped out at 54636.78% in Q3 2023 and bottomed at 110.94% in Q4 2025.
- Historically, Net Margin has averaged 3229.56% across 5 years, with a median of 27.37% in 2024.
- The sharpest annual moves came in 2023 and 2024: Net Margin soared 5460463 bps in 2023, then slumped 5461275 bps in 2024.
- Over 5 years, Net Margin stood at 44.6% in 2022, then increased by 1 bps to 44.83% in 2023, then plunged by 49 bps to 22.85% in 2024, then plunged by 585 bps to 110.94% in 2025, then jumped by 51 bps to 53.84% in 2026.
- According to Business Quant data, Net Margin over the past three periods registered 53.84%, 110.94%, and 20.32% for Q1 2026, Q4 2025, and Q3 2025 respectively.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Synchrony Financial | 24.38 Bn | 8.19 Bn | - | 17.93% |
| 2 | Affirm Holdings | 24.01 Bn | 22.38 Bn | - | 138.65% |
| 3 | FirstCash Holdings | 9.50 Bn | 9.33 Bn | 533.67 Mn | 8.70% |
| 4 | Credit Acceptance | 6.00 Bn | 5.51 Bn | 569.30 Mn | 23.14% |
| 5 | Slm | 4.72 Bn | -77.52 Mn | - | 13.03% |
| 6 | Enova International | 4.35 Bn | 4.22 Bn | 568.07 Mn | 11.31% |
| 7 | Bread Financial Holdings | 4.20 Bn | -15.89 Bn | 957.00 Mn | 14.50% |
| 8 | StoneCo | 2.99 Bn | 1.38 Bn | 308.97 Mn | 0.00% |
| 9 | Ezcorp | 1.88 Bn | 1.57 Bn | 246.19 Mn | 9.19% |
| 10 | Yiren Digital | 86.47 Mn | -338.94 Mn | - | -53.84% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Mar 31, 2026 | -53.84% |
| Dec 31, 2025 | -110.94% |
| Sep 30, 2025 | 20.32% |
| Jun 30, 2025 | 21.70% |
| Mar 31, 2025 | 15.93% |
| Dec 31, 2024 | 22.85% |
| Sep 30, 2024 | 24.03% |
| Jun 30, 2024 | 27.37% |
| Mar 31, 2024 | 35.60% |
| Dec 31, 2023 | 44.83% |
| Sep 30, 2023 | 54,636.78% |
| Jun 30, 2023 | 39.82% |
| Mar 31, 2023 | 43.31% |
| Dec 31, 2022 | 44.60% |
| Sep 30, 2022 | 32.16% |
| Jun 30, 2022 | 31.77% |
| Mar 31, 2022 | 26.23% |
| Dec 31, 2021 | 32.40% |
| Sep 30, 2021 | 26.05% |
| Jun 30, 2021 | 17.77% |
API Access
Yiren Digital Net Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=net-margin&ticker=YRD&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "net-margin", "ticker": "YRD", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=net-margin&ticker=YRD&period=max&api_key=YOUR_API_KEY");
const data = await res.json();