Yiren Digital (YRD) Times Interest Earned (2021 - 2026)
Yiren Digital's (YRD) quarterly Times Interest Earned came in at -$143.5 million in Q4 2025, down 574.11% YoY from $30.3 million in Q4 2024, and down 574.11% on a QoQ basis from -$21.3 million in Q4 2024.
Analysis
Yiren Digital (YRD) Times Interest Earned (2021 - 2026) Analysis & Trends
Yiren Digital (YRD) has 6 years of Times Interest Earned data on file, last reported at -$143.5 million in Q4 2025.
- Quarterly Times Interest Earned fell 574.11% year-over-year to -$143.5 million in Q4 2025, while the trailing twelve-month figure through Dec 2025 was -$143.4 million (down 1823.07% YoY) and the FY2025 annual result came in at -$31464.8, down 106642.33% from the prior year.
- Times Interest Earned declined to -$143.5 million in Q4 2025, from -$21.3 million in the prior quarter.
- In the past five years, Times Interest Earned ranged from a high of $18190.3 in Q4 2021 to a low of -$143.5 million in Q4 2025.
- A 5-year average of -$33.4 million and a median of -$2.1 million in 2023 frame the typical range for Times Interest Earned.
- Annual changes were most pronounced in 2022 — Times Interest Earned tumbled 36.28% — and 2023, when it slumped 18130.84%.
- Tracing YRD's Times Interest Earned over 5 years: stood at $18190.3 in 2021, then plunged by 36.28% to $11591.6 in 2022, then tumbled by 18130.84% to -$2.1 million in 2023, then tumbled by 918.2% to -$21.3 million in 2024, then sank by 574.11% to -$143.5 million in 2025.
- The last three Times Interest Earned figures came in at -$143.5 million (Q4 2025), -$21.3 million (Q4 2024), and -$2.1 million (Q4 2023), per Business Quant data.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Times Interest Earned (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 680.39 Bn | 668.03 Bn | - | 35.45 |
| 2 | Mastercard | 518.33 Bn | 504.84 Bn | - | 25.63 |
| 3 | American Express | 224.91 Bn | 175.59 Bn | 17.99 Bn | 1.79 |
| 4 | Capital One Financial | 132.31 Bn | 77.60 Bn | - | 1.95 |
| 5 | PayPal Holdings | 46.25 Bn | 35.00 Bn | - | - |
| 6 | Affirm Holdings | 26.22 Bn | 24.59 Bn | - | 1.24 |
| 7 | Synchrony Financial | 25.37 Bn | 9.17 Bn | - | 2.22 |
| 8 | SoFi Technologies | 23.30 Bn | 20.18 Bn | 1.02 Bn | 0.05 |
| 9 | Ally Financial | 12.85 Bn | 5.01 Bn | 2.08 Bn | 0.50 |
| 10 | Yiren Digital | 91.71 Mn | -409,507.94 Bn | - | 19.64 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Mar 31, 2026 | 19.64 |
| Sep 30, 2025 | 20.14 |
| Jun 30, 2025 | 0.02 |
| Mar 31, 2025 | 29.77 |
| Sep 30, 2024 | 36.24 |
| Jun 30, 2024 | 0.00 |
| Mar 31, 2024 | 75.41 |
| Sep 30, 2023 | 0.00 |
| Jun 30, 2023 | 43.83 |
| Dec 31, 2022 | 12.69 |
| Sep 30, 2022 | 9.23 |
| Dec 31, 2021 | 4.94 |