Yiren Digital (YRD) Research & Development (2022 - 2025)
Yiren Digital (YRD) reported Research & Development of $17.1 million for Q4 2025, down 25.35% on a YoY basis from $22.9 million in Q4 2024, and up 33.16% quarter-over-quarter from $12.9 million in Q3 2025.
Yiren Digital (YRD) Research & Development (2022 - 2025) Analysis & Trends
Yiren Digital has reported Research & Development for 4 years, with the latest figure at $17.1 million in Q4 2025.
- For the quarter ending Q4 2025, Research & Development fell 25.35% year-over-year to $17.1 million; the trailing twelve-month figure through Dec 2025 stood at $15.1 billion (up 94.28% YoY), and the FY2025 full-year result was $58.1 million, up 3.03% from the prior year.
- Research & Development for Q4 2025 stood at $17.1 million, up from $12.9 million in the prior quarter.
- The five-year high for Research & Development was $15.0 billion in Q2 2025, with the low at -$16.7 billion in Q4 2022.
- Historically, Research & Development has averaged $541.4 million across 4 years, with a median of $21.0 million in 2024.
- Annual changes were most pronounced in 2024 — Research & Development tumbled 99.61% — and 2025, when it surged 109.03%.
- Yiren Digital's Research & Development stood at -$16.7 billion in 2022, then gained by 16.03% to -$14.0 billion in 2023, then jumped by 100.16% to $22.9 million in 2024, then decreased by 25.35% to $17.1 million in 2025.
- The last three Research & Development figures came in at $17.1 million (Q4 2025), $12.9 million (Q3 2025), and $15.0 billion (Q2 2025), per Business Quant data.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | R&D (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 541.66 Bn | 529.25 Bn | - | 260.00 Mn |
| 2 | Mastercard | 437.55 Bn | 427.34 Bn | - | - |
| 3 | American Express | 212.80 Bn | 158.76 Bn | 17.43 Bn | 1.59 Bn |
| 4 | Capital One Financial | 112.47 Bn | 35.97 Bn | - | 496.00 Mn |
| 5 | PayPal Holdings | 37.70 Bn | 28.36 Bn | 7.84 Bn | 793.00 Mn |
| 6 | Synchrony Financial | 24.26 Bn | 3.70 Bn | - | 262.00 Mn |
| 7 | Affirm Holdings | 21.24 Bn | 19.51 Bn | 261.64 Mn | - |
| 8 | SoFi Technologies | 20.46 Bn | 17.06 Bn | 929.25 Mn | 187.68 Mn |
| 9 | Ally Financial | 13.30 Bn | 12.86 Bn | 1.98 Bn | - |
| 10 | Yiren Digital | 29.86 Mn | -515.90 Mn | 105.97 Mn | 17.12 Mn |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | 17.12 Mn |
| Sep 30, 2025 | 12.86 Mn |
| Jun 30, 2025 | 15.03 Bn |
| Mar 31, 2025 | 11.85 Mn |
| Dec 31, 2024 | 22.93 Mn |
| Sep 30, 2024 | 21.05 Mn |
| Jun 30, 2024 | 7.71 Bn |
| Mar 31, 2024 | 5.67 Mn |
| Dec 31, 2023 | -14.03 Bn |
| Sep 30, 2023 | 5.34 Bn |
| Jun 30, 2023 | 4.71 Bn |
| Dec 31, 2022 | -16.71 Bn |
| Sep 30, 2022 | 4.89 Bn |