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Complete financial analysis of Yiren Digital Ltd. (YRD) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of Yiren Digital Ltd., a leading company in the Financial – Credit Services industry within the Financial Services sector.
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Yiren Digital Ltd. (YRD)
About Yiren Digital Ltd.
Yiren Digital Ltd., through its subsidiaries, operates as an online consumer finance marketplace that connects borrowers and investors in the People's Republic of China. It provides loan facilitation services; and post-origination services, such as cash processing, collection, and SMS services. The company's loan products portfolio includes unsecured consumer loans; secured consumer loan, which include secured financial leasing, auto-secured, and property-secured loans; and small business loans. It also distributes short-term cash management, mutual fund investment, insurance, and securities and stock products. In addition, the company provides online investor education services, which include a range of investment and trading topics, and various types of training programs on wealth planning, market insights, and investment strategies; consultancy information technology support; referral; and IT, system maintenance, and customer support services. Further, it is involved in the provision of services for financing lease and insurance brokerage businesses. The company offers its products through www.yxpuhui.com, and a wealth management website and mobile application. As of December 31, 2020, it had 60 fixed income products, 810 mutual fund products, and 296 insurance products. The company was formerly known as Yirendai Ltd. and changed its name to Yiren Digital Ltd. in September 2019. Yiren Digital Ltd. was founded in 2012 and is based in Beijing, the People's Republic of China. Yiren Digital Ltd. is a subsidiary of Creditease Holdings (Cayman) Limited.
| Metric | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 4.90B | 3.43B | 4.48B | 3.96B | 8.62B | 5.62B | 5.54B | 3.24B | 1.36B | 197.84M | 18.97M |
| Cost of Revenue | 976.17M | 776.84M | 760.86M | 1.10B | 665.08M | 644.30M | 417.88M | 199.81M | 100.94M | 21.97M | 7.61M |
| Gross Profit | 3.92B | 2.66B | 3.72B | 2.86B | 7.95B | 4.98B | 5.13B | 3.04B | 1.26B | 175.87M | 11.37M |
| Gross Profit Ratio | 80.06% | 77.38% | 83.01% | 72.12% | 92.28% | 88.54% | 92.46% | 93.83% | 92.56% | 88.90% | 59.92% |
| Research & Development | 148.75M | 151.92M | 208.00M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| General & Administrative | 231.14M | 423.72M | 506.24M | 630.56M | 741.27M | 944.68M | 526.85M | 402.11M | 141.66M | 65.07M | 30.29M |
| Selling & Marketing | 656.60M | 573.97M | 1.55B | 1.91B | 4.46B | 2.53B | 2.92B | 1.57B | 702.40M | 138.66M | 31.63M |
| SG&A | 1.18B | 997.69M | 2.06B | 2.54B | 5.20B | 3.47B | 3.45B | 1.97B | 844.05M | 203.73M | 61.92M |
| Other Expenses | 0.00 | 188.22M | 370.15M | 371.63M | 1.63B | 5.28M | 876.00K | 575.00K | 0.00 | 0.00 | 0.00 |
| Operating Expenses | 1.32B | 1.19B | 2.43B | 2.91B | 6.82B | 4.14B | 3.45B | 1.97B | 844.05M | 203.73M | 61.92M |
| Cost & Expenses | 2.30B | 1.96B | 3.19B | 4.01B | 7.49B | 4.78B | 3.87B | 2.17B | 944.99M | 225.70M | 69.53M |
| Interest Income | 80.75M | 26.30M | 73.38M | 61.62M | 73.37M | 71.30M | 114.85M | 36.84M | 4.95M | 0.00 | 0.00 |
| Interest Expense | 0.00 | 0.00 | 61.62M | 0.00 | 0.00 | 71.30M | 114.85M | 36.84M | 4.95M | 0.00 | 0.00 |
| Depreciation & Amortization | 7.12M | 52.83M | 139.95M | 327.46M | 394.61M | 39.43M | 23.73M | 10.61M | 3.76M | 1.15M | 436.34K |
| EBITDA | 2.60B | 1.50B | 1.33B | 277.46M | 1.25B | 838.03M | 61.19M | 1.10B | 412.37M | -26.54M | -50.12M |
| EBITDA Ratio | 53.15% | 42.85% | 28.75% | 15.29% | 13.09% | 14.91% | 30.26% | 32.89% | 30.38% | -13.50% | -264.13% |
| Operating Income | 2.59B | 1.47B | 1.15B | 278.38M | 733.42M | 838.03M | 1.68B | 1.08B | 412.37M | -27.86M | -50.55M |
| Operating Income Ratio | 53.00% | 42.93% | 25.62% | 7.03% | 8.51% | 14.91% | 30.26% | 33.50% | 30.38% | -14.08% | -266.43% |
| Total Other Income/Expenses | 50.58M | -1.31B | -3.56B | -723.36M | 663.60M | 1.77B | 267.81M | 1.10B | 4.95M | 0.00 | 0.00 |
| Income Before Tax | 2.65B | 1.50B | 1.20B | -773.36M | 1.40B | 1.16B | 1.75B | 1.10B | 417.32M | -27.86M | -50.55M |
| Income Before Tax Ratio | 54.04% | 43.54% | 26.87% | -19.52% | 16.21% | 20.65% | 31.62% | 34.05% | 30.74% | -14.08% | -266.43% |
| Income Tax Expense | 565.16M | 300.51M | 170.19M | -80.61M | 239.23M | 194.29M | 381.21M | -13.95M | 132.80M | 31.02K | -1.61M |
| Net Income | 2.08B | 1.19B | 1.03B | -692.75M | 1.16B | 966.61M | 1.37B | 1.12B | 284.52M | -27.90M | -50.55M |
| Net Income Ratio | 42.49% | 34.79% | 23.07% | -17.48% | 13.41% | 17.20% | 24.75% | 34.48% | 20.96% | -14.10% | -266.43% |
| EPS | 23.28 | 14.14 | 12.22 | -7.68 | 12.48 | 10.49 | -2.06 | 18.88 | 5.47 | -0.48 | -0.86 |
| EPS Diluted | 23.28 | 14.01 | 12.11 | -7.68 | 12.39 | 10.38 | -2.06 | 18.77 | 5.47 | -0.48 | -0.86 |
| Weighted Avg Shares Out | 89.34M | 85.30M | 84.51M | 90.15M | 92.61M | 92.11M | 91.22M | 59.12M | 50.33M | 58.50M | 58.50M |
| Weighted Avg Shares Out (Dil) | 89.34M | 85.30M | 85.30M | 90.15M | 93.27M | 93.14M | 91.22M | 59.47M | 50.33M | 58.50M | 58.50M |
Yiren Digital Ltd. (YRD) Q3 2024 Earnings Call Transcript
Yiren Digital Reports Third Quarter 2024 Financial Results
Yiren Digital Reports Third Quarter 2024 Financial Results
Yiren Digital to Report Third Quarter 2024 Financial Results on November 20, 2024
Yiren Digital: Dividend Policy And Financial Guidance Draw Attention
Yiren Digital to present at the dbVIC - Deutsche Bank ADR Virtual Investor Conference on September 25 2024
Yiren Digital Ltd. (YRD) Q2 2024 Earnings Call Transcript
Yiren Digital Reports Second Quarter 2024 Financial Results
Yiren Digital to Report Second Quarter 2024 Financial Results on August 20, 2024
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