Yiren Digital (YRD) Retained Earnings (2015 - 2025)
Yiren Digital (YRD) reported Retained Earnings of -$354878.4 for Q4 2025, down 103.22% on a YoY basis from $11.0 million in Q4 2024, and down 103.58% quarter-over-quarter from $9.9 million in Q3 2025.
Yiren Digital (YRD) Retained Earnings (2015 - 2025) Analysis & Trends
Yiren Digital has reported Retained Earnings for 11 years, with the latest figure at -$354878.4 in Q4 2025.
- For the quarter ending Q4 2025, Retained Earnings fell 103.22% year-over-year to -$354878.4; the trailing twelve-month figure through Dec 2025 stood at -$354878.4 (down 103.22% YoY), and the FY2025 full-year result was $601.4 million, up 5437.63% from the prior year.
- Retained Earnings for Q4 2025 stood at -$354878.4, down from $9.9 million in the prior quarter.
- The five-year high for Retained Earnings was $11.0 million in Q4 2024, with the low at -$38.8 million in Q4 2021.
- Historically, Retained Earnings has averaged $1.8 million across 5 years, with a median of $3.0 million in 2024.
- Annual changes were most pronounced in 2021 — Retained Earnings tumbled 1601.6% — and 2024, when it surged 638.13%.
- Yiren Digital's Retained Earnings stood at -$38.8 million in 2021, then jumped by 102.82% to $1.1 million in 2022, then surged by 201.09% to $3.3 million in 2023, then soared by 235.69% to $11.0 million in 2024, then plunged by 103.22% to -$354878.4 in 2025.
- The last three Retained Earnings figures came in at -$354878.4 (Q4 2025), $9.9 million (Q3 2025), and $5.9 million (Q2 2025), per Business Quant data.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Retained Earnings (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 541.66 Bn | 529.25 Bn | - | 13.12 Bn |
| 2 | Mastercard | 437.55 Bn | 427.34 Bn | - | -928.00 Mn |
| 3 | American Express | 212.80 Bn | 158.76 Bn | 17.43 Bn | 26.09 Bn |
| 4 | Capital One Financial | 112.47 Bn | 35.97 Bn | - | 66.79 Bn |
| 5 | PayPal Holdings | 37.70 Bn | 28.36 Bn | 7.84 Bn | 33.45 Bn |
| 6 | Synchrony Financial | 24.26 Bn | 3.70 Bn | - | 25.21 Bn |
| 7 | Affirm Holdings | 21.24 Bn | 19.51 Bn | 261.64 Mn | -23.59 Mn |
| 8 | SoFi Technologies | 20.46 Bn | 17.06 Bn | 929.25 Mn | -2.74 Mn |
| 9 | Ally Financial | 13.30 Bn | 12.86 Bn | 1.98 Bn | -2.77 Bn |
| 10 | Yiren Digital | 29.86 Mn | -515.90 Mn | 105.97 Mn | -354,878.38 |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | -354,878.38 |
| Sep 30, 2025 | 9.92 Mn |
| Jun 30, 2025 | 5.89 Mn |
| Mar 31, 2025 | 5.64 Mn |
| Dec 31, 2024 | 11.04 Mn |
| Sep 30, 2024 | 3.02 Mn |
| Jun 30, 2024 | 6.58 Mn |
| Mar 31, 2024 | 9.23 Mn |
| Dec 31, 2023 | 3.29 Mn |
| Sep 30, 2023 | 3.55 Mn |
| Jun 30, 2023 | 3.28 Mn |
| Mar 31, 2023 | 1.25 Mn |
| Dec 31, 2022 | 1.09 Mn |
| Sep 30, 2022 | 1.06 Mn |
| Jun 30, 2022 | 712,000.00 |
| Dec 31, 2021 | -38.76 Mn |
| Sep 30, 2021 | 2.24 Mn |
| Jun 30, 2021 | 2.50 Mn |
| Mar 31, 2021 | 2.54 Mn |
| Dec 31, 2020 | 2.58 Mn |