Yiren Digital (YRDN) Ratios
Yiren Digital Ratios
MX:YRDN's free cash flow for Q2 2026 was $-1.03B. For the 2026 fiscal year, MX:YRDN's free cash flow was increased by $0.00 and operating cash flow was $-1.03B. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Jun 22 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 6.82 | 5.61 | 6.30 | 5.11 | 4.13 |
| Quick Ratio | 6.82 | 5.61 | 6.30 | 5.11 | 4.13 |
| Cash Ratio | 1.88 | 1.83 | 4.01 | 2.84 | 1.84 |
| Solvency Ratio | 0.02 | 0.47 | 0.95 | 0.50 | 0.37 |
| Operating Cash Flow Ratio | 0.40 | 0.68 | 1.50 | 1.23 | 0.10 |
| Short-Term Operating Cash Flow Coverage | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Current Asset Value | $ 7.95B | $ 8.30B | $ 6.90B | $ 5.17B | $ 3.50B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.00 | 0.00 | 0.00 | 0.09 | 0.14 |
| Debt-to-Equity Ratio | 0.01 | 0.00 | 0.00 | 0.13 | 0.23 |
| Debt-to-Capital Ratio | 0.01 | 0.00 | 0.00 | 0.12 | 0.19 |
| Long-Term Debt-to-Capital Ratio | 0.00 | 0.00 | 0.00 | 0.11 | 0.18 |
| Financial Leverage Ratio | 1.45 | 1.36 | 1.27 | 1.42 | 1.61 |
| Debt Service Coverage Ratio | 0.00 | 0.00 | 0.00 | 0.00 | 18.83 |
| Interest Coverage Ratio | 0.00 | 0.00 | 0.00 | 0.00 | 20.89 |
| Debt to Market Cap | 0.00 | 0.00 | 0.00 | 1.91 | 1.34 |
| Interest Debt Per Share | 0.56 | 0.47 | 0.54 | 18.83 | 27.51 |
| Net Debt to EBITDA | 125.38 | -2.27 | -2.22 | -2.28 | -1.33 |
| Profitability Margins | |||||
| Gross Profit Margin | 85.82% | 84.79% | 80.06% | 77.38% | 83.01% |
| EBIT Margin | -1.02% | 28.37% | 53.00% | 42.85% | 28.75% |
| EBITDA Margin | -0.47% | 28.86% | 53.15% | 44.39% | 29.71% |
| Operating Profit Margin | 38.50% | 28.37% | 53.00% | 42.85% | 28.75% |
| Pretax Profit Margin | -1.02% | 32.07% | 54.04% | 43.54% | 26.87% |
| Net Profit Margin | 0.71% | 27.25% | 42.49% | 34.79% | 23.07% |
| Continuous Operations Profit Margin | 0.71% | 27.25% | 42.49% | 34.79% | 23.07% |
| Net Income Per EBT | -69.27% | 84.98% | 78.64% | 79.90% | 85.85% |
| EBT Per EBIT | -2.65% | 113.04% | 101.95% | 101.60% | 93.46% |
| Return on Assets (ROA) | 0.29% | 12.19% | 20.24% | 14.00% | 13.35% |
| Return on Equity (ROE) | 0.43% | 16.58% | 25.73% | 19.81% | 21.42% |
| Return on Capital Employed (ROCE) | 18.37% | 15.13% | 29.38% | 20.93% | 20.81% |
| Return on Invested Capital (ROIC) | -12.73% | 12.86% | 23.05% | 16.72% | 17.87% |
| Return on Tangible Assets | 0.29% | 12.22% | 20.32% | 14.05% | 13.35% |
| Earnings Yield | 1.76% | 52.14% | 212.60% | 296.51% | 134.56% |
| Efficiency Ratios | |||||
| Receivables Turnover | 0.85 | 1.18 | 2.25 | 1.58 | 1.47 |
| Payables Turnover | 9.92 | 20.45 | 31.59 | 54.92 | 39.91 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 73.65 | 68.64 | 70.39 | 41.54 | 24.43 |
| Asset Turnover | 0.41 | 0.45 | 0.48 | 0.40 | 0.58 |
| Working Capital Turnover Ratio | 0.56 | 0.67 | 0.71 | 0.62 | 1.08 |
| Cash Conversion Cycle | 392.78 | 291.36 | 150.56 | 224.69 | 239.11 |
| Days of Sales Outstanding | 429.57 | 309.20 | 162.11 | 231.33 | 248.26 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 36.78 | 17.84 | 11.55 | 6.65 | 9.15 |
| Operating Cycle | 429.57 | 309.20 | 162.11 | 231.33 | 248.26 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 8.11 | 16.44 | 49.13 | 43.37 | 3.74 |
| Free Cash Flow Per Share | 7.81 | 16.33 | 49.03 | 43.34 | 3.52 |
| Dividend Paid and CapEx Coverage Ratio | 2.35 | 10.83 | 488.53 | 2096.86 | 16.82 |
| Capital Expenditure Coverage Ratio | 27.33 | 154.98 | 488.53 | 2096.86 | 16.82 |
| Operating Cash Flow Coverage Ratio | 14.40 | 34.93 | 91.81 | 2.30 | 0.14 |
| Operating Cash Flow to Sales Ratio | 0.13 | 0.25 | 0.44 | 0.54 | 0.04 |
| Free Cash Flow Yield | 30.19% | 46.62% | 221.42% | 458.72% | 19.38% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 28.75 | 1.92 | 0.47 | 0.34 | 0.74 |
| Price-to-Sales (P/S) Ratio | 0.40 | 0.52 | 0.20 | 0.12 | 0.17 |
| Price-to-Book (P/B) Ratio | 0.24 | 0.32 | 0.12 | 0.07 | 0.16 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 3.31 | 2.15 | 0.45 | 0.22 | 5.16 |
| Price-to-Operating Cash Flow Ratio | 3.19 | 2.13 | 0.45 | 0.22 | 4.85 |
| Price-to-Earnings Growth (PEG) Ratio | -0.30 | -0.09 | 0.01 | 0.03 | -0.00 |
| Enterprise Value Multiple | 40.05 | -0.46 | -1.84 | -2.01 | -0.75 |
| Enterprise Value | -1.05B | -765.57M | -4.79B | -3.07B | -996.15M |
| EV to EBITDA | 40.05 | -0.46 | -1.84 | -2.01 | -0.75 |
| EV to Sales | -0.19 | -0.13 | -0.98 | -0.89 | -0.22 |
| EV to Free Cash Flow | -1.55 | -0.54 | -2.21 | -1.66 | -6.70 |
| EV to Operating Cash Flow | -1.50 | -0.54 | -2.21 | -1.66 | -6.30 |
| Tangible Book Value Per Share | 106.64 | 109.71 | 182.13 | 140.63 | 114.10 |
| Shareholders’ Equity Per Share | 106.84 | 110.15 | 182.98 | 141.41 | 114.10 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 1.69 | 0.15 | 0.21 | 0.20 | 0.14 |
| Revenue Per Share | 64.21 | 67.02 | 110.79 | 80.53 | 105.97 |
| Net Income Per Share | 0.45 | 18.27 | 47.08 | 28.02 | 24.45 |
| Tax Burden | -0.69 | 0.85 | 0.79 | 0.80 | 0.86 |
| Interest Burden | 1.00 | 1.13 | 1.02 | 1.02 | 0.93 |
| Research & Development to Revenue | 0.00 | 0.07 | 0.03 | 0.04 | 0.05 |
| SG&A to Revenue | 0.27 | 0.25 | 0.05 | 0.08 | 0.11 |
| Stock-Based Compensation to Revenue | 0.01 | 0.00 | 0.00 | 0.01 | 0.00 |
| Income Quality | 12.90 | 0.90 | 1.04 | 1.55 | 0.15 |
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