Stocktoria
Yiren Digital Ltd. YRD
NYSE · XNYS · stock · Finance Services · website · IPO 2015-12-18
Chart by TradingView
3/9
Piotroski F — financial health
—
Altman Z″ — distress risk
500.9%
Dividend payout · at-risk
Financials & ratios (annual, from 10-K)
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Financials | |||||
| Revenue | $817.8M | $5.8B | $4.9B | $498.0M | $702.7M |
| Operating income | -$849.5M | -$4.2B | -$2.3B | $1.6B | — |
| Net income | $7.8M | $216.8M | $293.0M | $173.2M | $162.1M |
| Operating cash flow | $100.6M | $195.1M | $305.8M | $268.1M | $24.8M |
| Free cash flow | $96.9M | $193.8M | $305.2M | $268.0M | $23.3M |
| Total assets | $1.9B | $1.8B | $1.4B | $1.2B | $1.2B |
| Total liabilities | $598.1M | $471.3M | $308.6M | $363.2M | $457.9M |
| Shareholders' equity | $1.3B | $1.3B | $1.1B | $874.4M | $756.6M |
| Ratios | |||||
| Operating margin | -103.9% | -71.6% | -47.0% | 325.2% | — |
| Net margin | 1.0% | 3.7% | 6.0% | 34.8% | 23.1% |
| FCF margin | 11.9% | 3.3% | 6.2% | 53.8% | 3.3% |
| Return on assets | 0.4% | 12.2% | 20.2% | 14.0% | 13.3% |
| Return on equity | 0.6% | 16.6% | 25.7% | 19.8% | 21.4% |
| Revenue growth | -85.9% | 18.6% | 883.1% | -29.1% | 15.7% |
Notable holders (13F)
| Investor | Shares | Value |
|---|---|---|
| RENAISSANCE TECHNOLOGIES LLC | 213,143 | $366,606 |
Why these scores methodology →
Piotroski F-score: 3/9
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″: n/a
Not applicable (financials/insurer or missing inputs).
Sector peers
IX · MUFG · MFG · NMR · UNH · CI · all Finance, Insurance & Real Estate →
Source: SEC EDGAR filings · CIK 0001631761 · as of 2025-12-31. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.