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
DateValue
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%