Yiren Digital (YRD) Return on Equity (2016 - 2025)
Yiren Digital (YRD) reported Return on Equity of 0.37% for Q4 2025, down 6.0% on a YoY basis from 0.39% in Q4 2024, and up 2.78% quarter-over-quarter from 0.36% in Q3 2025.
Yiren Digital (YRD) Return on Equity (2016 - 2025) Analysis & Trends
Yiren Digital has reported Return on Equity for 9 years, with the latest figure at 0.37% in Q4 2025.
- For the quarter ending Q4 2025, Return on Equity fell 6.0% year-over-year to 0.37%; the trailing twelve-month figure through Dec 2025 stood at 0.37% (down 6.0% YoY), and the FY2025 full-year result was 0.0%, changed 0.0% from the prior year.
- Return on Equity for Q4 2025 stood at 0.37%, up from 0.36% in the prior quarter.
- The five-year high for Return on Equity was 2.23% in Q3 2023, with the low at 1.19% in Q3 2024.
- Historically, Return on Equity has averaged 0.48% across 5 years, with a median of 0.37% in 2025.
- Annual changes were most pronounced in 2024 — Return on Equity plunged 342 bps — and 2025, when it soared 155 bps.
- Yiren Digital's Return on Equity stood at 0.71% in 2021, then jumped by 178 bps to 1.99% in 2022, then tumbled by 127 bps to 0.53% in 2023, then soared by 180 bps to 0.43% in 2024, then decreased by 15 bps to 0.37% in 2025.
- The last three Return on Equity figures came in at 0.37% (Q4 2025), 0.36% (Q3 2025), and 0.37% (Q2 2025), per Business Quant data.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | ROE (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 548.22 Bn | 535.81 Bn | - | 0.01% |
| 2 | Mastercard | 437.48 Bn | 427.27 Bn | - | 0.02% |
| 3 | American Express | 231.87 Bn | 177.83 Bn | 17.43 Bn | 0.00% |
| 4 | Capital One Financial | 125.74 Bn | 49.24 Bn | - | 0.00% |
| 5 | PayPal Holdings | 38.80 Bn | 29.46 Bn | 7.84 Bn | 0.00% |
| 6 | Synchrony Financial | 25.78 Bn | 5.22 Bn | - | 0.00% |
| 7 | Affirm Holdings | 24.65 Bn | 22.93 Bn | 261.64 Mn | 0.00% |
| 8 | SoFi Technologies | 22.89 Bn | 19.49 Bn | 929.25 Mn | 0.00% |
| 9 | Ally Financial | 14.15 Bn | 13.70 Bn | 1.98 Bn | 0.00% |
| 10 | Yiren Digital | 27.90 Mn | -517.86 Mn | 105.97 Mn | 0.37% |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | 0.37% |
| Sep 30, 2025 | 0.36% |
| Jun 30, 2025 | 0.37% |
| Mar 31, 2025 | 0.42% |
| Dec 31, 2024 | 0.43% |
| Sep 30, 2024 | -1.19% |
| Jun 30, 2024 | -0.63% |
| Mar 31, 2024 | -0.49% |
| Dec 31, 2023 | -0.53% |
| Sep 30, 2023 | 2.23% |
| Jun 30, 2023 | 1.95% |
| Mar 31, 2023 | 1.23% |
| Dec 31, 2022 | 1.99% |
| Sep 30, 2022 | 1.17% |
| Jun 30, 2022 | 0.67% |
| Dec 31, 2021 | 0.71% |
| Sep 30, 2021 | 0.00% |
| Jun 30, 2021 | 0.00% |
| Mar 31, 2021 | 0.00% |
| Dec 31, 2020 | 0.00% |