Yiren Digital Ltd. (YRD) Balance Sheet

NYSE: YRDAssets, liabilities, debt and equity over 10 years.

YRD balance sheet, 2025

December 31, 2025 · Chinese yuan

CN¥13.45B assets = CN¥4.18B liabilities + CN¥9.27B equity

Both columns are drawn to the same scale: what YRD owns equals what it owes plus shareholders’ equity. Hover a block for its value.

YRD financial health

Current ratio6.82

Comfortable · current assets cover current liabilities 6.82×

Debt / equity0.01

Low leverage · CN¥0.01 of debt for each $1 of equity

Equity / assets68.9%

Equity-funded · of assets funded by shareholders

Cash / debt6,863.2%

Cash covers debt · cash & short-term investments vs total debt

Goodwill & intangibles0.1%

Mostly tangible · of total assets

Descriptive bands, not a rating. Fiscal 2025.

YRD balance sheet trends, 2016–2025

Yiren Digital Ltd. balance sheet trends
Metric	Then	Latest	Change
Total assets	CN¥4.78B2016	CN¥13.45B2025	+12.2%/yr
Total liabilities	CN¥2.64B2016	CN¥4.18B2025	+5.2%/yr
Shareholders’ equity	CN¥2.14B2016	CN¥9.27B2025	+17.7%/yr
Cash & short-term investments	CN¥2.13B2016	CN¥3.35B2025	+5.2%/yr
Total debt	CN¥347.1M2016	CN¥48.8M2025	−19.6%/yr
Net cash (debt)	CN¥1.78B2016	CN¥3.30B2025	+CN¥1.5B
Working capital	CN¥3.30B2016	CN¥10.36B2025	+CN¥7.1B
Current ratio	8.872016	6.822025	−2.05
Debt / equity	0.162016	0.012025	−0.16
Shares outstanding	59.5M2016	87.3M2025	+4.4%/yr

Change is the average annual growth (CAGR) or the difference between the first and latest year.

YRD assets

Cash & ST investmentsReceivablesInventoryOther currentPP&EGoodwill & intangiblesLT investmentsOther non-current

YRD liabilities and equity

Current liabilitiesLong-term debtOther long-term liabilitiesEquity

YRD debt vs cash

Total debtCash & ST investmentsNet cash (debt)

Debt includes short- and long-term borrowings and, where reported, lease obligations.

YRD balance sheet in Chinese yuan

Yiren Digital Ltd. annual balance sheet
	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Assets
Cash & short-term investments	CN¥3.35B	CN¥4.27B	CN¥6.31B	CN¥3.04B	CN¥3.04B	CN¥2.65B	CN¥3.66B	CN¥2.86B	CN¥2.83B	CN¥2.13B
Cash & equivalents	CN¥3.35B	CN¥3.84B	CN¥5.79B	CN¥2.86B	CN¥2.86B	CN¥2.47B	CN¥3.20B	CN¥2.03B	CN¥1.86B	CN¥968.2M
Short-term investments	CN¥4.5M	CN¥430.6M	CN¥514.1M	CN¥177.4M	CN¥177.4M	CN¥175.5M	CN¥461.0M	CN¥832.5M	CN¥969.8M	CN¥1.16B
Receivables	CN¥6.56B	CN¥4.92B	CN¥2.17B	CN¥2.96B	CN¥2.96B	CN¥2.45B	CN¥2.60B	CN¥1.21B	CN¥930.3M	CN¥371.0M
Inventory	CN¥0	CN¥0	−CN¥76.1M	−CN¥493.2M	CN¥102.5M	CN¥1	−CN¥42.1M	CN¥58.8M	CN¥1.78B	CN¥1.20B
Other current assets	CN¥2.23B	CN¥2.55B	CN¥688.6M	CN¥574.0M	CN¥0	CN¥237.2M	CN¥256.0M	CN¥43.4M	CN¥27.2M	CN¥15.4M
Total current assets	CN¥12.14B	CN¥11.74B	CN¥9.09B	CN¥6.08B	CN¥6.08B	CN¥5.34B	CN¥6.48B	CN¥4.17B	CN¥5.56B	CN¥3.72B
Property, plant & equipment (net)	CN¥75.7M	CN¥84.6M	CN¥69.5M	CN¥183.3M	CN¥183.3M	CN¥252.9M	CN¥530.0M	CN¥89.8M	CN¥82.2M	CN¥35.5M
Goodwill & intangible assets	CN¥16.8M	CN¥38.6M	CN¥37.8M	CN¥33.3M	CN¥0	CN¥2.62B	CN¥2.56B	CN¥696.3M	CN¥0	CN¥0
Long-term investments	CN¥490.8M	CN¥15.8M	CN¥10.4M	CN¥2.7M	CN¥2.2M	CN¥3.3M	CN¥6.6M	CN¥315.6M	CN¥9.9M	CN¥98.9M
Other non-current assets	CN¥734.5M	CN¥1.10B	CN¥1.07B	CN¥1.44B	CN¥1.48B	CN¥0	CN¥73.4M	CN¥2.25B	CN¥1.86B	CN¥933.4M
Total assets	CN¥13.45B	CN¥12.98B	CN¥10.28B	CN¥7.74B	CN¥7.74B	CN¥6.70B	CN¥9.64B	CN¥7.52B	CN¥7.52B	CN¥4.78B
Liabilities
Accounts payable	CN¥79.6M	CN¥43.2M	CN¥30.9M	CN¥19.1M	CN¥19.1M	CN¥9.9M	CN¥43.6M	CN¥30.3M	CN¥33.8M	CN¥13.7M
Short-term debt	—	CN¥0	CN¥19.0M	CN¥340.2M	CN¥0	CN¥367.1M	CN¥0	CN¥213.3M	CN¥511.4M	CN¥347.1M
Deferred revenue	CN¥227,000	CN¥9.5M	CN¥54.0M	CN¥12.4M	CN¥12.4M	CN¥50.9M	CN¥358.2M	CN¥275.8M	CN¥222.9M	CN¥164.3M
Total current liabilities	CN¥1.78B	CN¥2.09B	CN¥1.44B	CN¥516.3M	CN¥516.3M	CN¥1.08B	CN¥2.72B	CN¥544.5M	CN¥446.7M	CN¥418.7M
Long-term debt	CN¥9.1M	CN¥0	CN¥0	CN¥767.9M	CN¥1.03B	CN¥500.5M	CN¥18.6M	CN¥0	CN¥0	CN¥0
Lease obligations	CN¥39.8M	CN¥40.8M	CN¥23.6M	CN¥35.2M	CN¥72.1M	CN¥81.9M	CN¥282.3M	CN¥0	CN¥0	CN¥0
Other long-term liabilities	CN¥2.39B	CN¥1.35B	CN¥747.4M	CN¥1.63B	CN¥1.37B	CN¥1.34B	CN¥2.41B	CN¥1.85B	CN¥4.10B	CN¥2.22B
Total liabilities	CN¥4.18B	CN¥3.44B	CN¥2.19B	CN¥2.92B	CN¥2.92B	CN¥2.92B	CN¥5.15B	CN¥2.40B	CN¥4.55B	CN¥2.64B
Shareholders' equity
Common stock & paid-in capital	CN¥133,000	CN¥132,000	CN¥130,000	CN¥123,000	CN¥123,000	CN¥121,000	CN¥121,000	CN¥77,000	CN¥76,000	CN¥75,000
Retained earnings (deficit)	CN¥4.21B	CN¥4.44B	CN¥2.99B	−CN¥247.8M	−CN¥247.8M	−CN¥1.26B	−CN¥533.5M	CN¥3.81B	CN¥1.84B	CN¥1.18B
Treasury stock	—	—	—	—	—	−CN¥40.1M	−CN¥37.1M	−CN¥254,000	CN¥0	CN¥0
Accumulated other comprehensive income	−CN¥2.5M	CN¥79.3M	CN¥23.7M	CN¥11.6M	CN¥11.6M	CN¥17.1M	CN¥21.9M	CN¥16.4M	CN¥11.5M	CN¥29.5M
Minority interest	—	—	—	—	—	—	CN¥0	CN¥0	CN¥0	CN¥0
Total shareholders' equity	CN¥9.27B	CN¥9.54B	CN¥8.09B	CN¥4.82B	CN¥4.82B	CN¥3.78B	CN¥4.49B	CN¥5.12B	CN¥2.97B	CN¥2.14B
Key figures
Total debt	CN¥48.8M	CN¥40.8M	CN¥23.6M	CN¥1.11B	CN¥1.10B	CN¥867.6M	CN¥300.9M	CN¥213.3M	CN¥511.4M	CN¥347.1M
Net cash (debt)	CN¥3.30B	CN¥4.23B	CN¥6.28B	CN¥1.93B	CN¥1.94B	CN¥1.78B	CN¥3.36B	CN¥2.65B	CN¥2.32B	CN¥1.78B
Working capital	CN¥10.36B	CN¥9.65B	CN¥7.65B	CN¥5.56B	CN¥5.56B	CN¥4.25B	CN¥3.75B	CN¥3.62B	CN¥5.12B	CN¥3.30B
Tangible book value	CN¥9.26B	CN¥9.50B	CN¥8.05B	CN¥4.79B	CN¥4.82B	CN¥1.16B	CN¥1.93B	CN¥4.42B	CN¥2.97B	CN¥2.14B
Shares outstanding	87.3M	87.4M	89.3M	85.3M	85.3M	90.2M	93.3M	93.1M	91.2M	59.5M
Current ratio	6.82	5.61	6.30	11.77	11.77	4.92	2.38	7.66	12.45	8.87
Quick ratio	5.57	4.39	5.87	11.62	11.62	4.70	2.30	7.47	8.41	5.96
Debt / equity	0.01	0.00	0.00	0.23	0.23	0.23	0.07	0.04	0.17	0.16
Equity / assets	68.9%	73.5%	78.7%	62.3%	62.3%	56.4%	46.6%	68.1%	39.5%	44.7%

Yiren Digital Ltd. quarterly balance sheet
	Jun '26	Mar '26	Dec '25	Sep '25	Jun '25	Mar '25	Dec '24	Sep '24	Jun '24	Mar '24	Dec '23	Sep '23
Assets
Cash & short-term investments	CN¥1.78B	CN¥2.45B	CN¥3.87B	CN¥3.86B	CN¥4.10B	CN¥4.04B	CN¥3.84B	CN¥4.09B	CN¥5.58B	CN¥6.36B	CN¥6.31B	CN¥5.85B
Cash & equivalents	CN¥1.78B	CN¥2.45B	CN¥3.87B	CN¥3.86B	CN¥4.10B	CN¥4.04B	CN¥3.84B	CN¥3.71B	CN¥5.50B	CN¥5.90B	CN¥5.79B	CN¥5.44B
Short-term investments	—	CN¥4.5M	CN¥4.5M	—	—	CN¥430.6M	CN¥430.6M	CN¥384.8M	CN¥413.7M	CN¥457.5M	CN¥514.1M	CN¥412.3M
Receivables	CN¥1.81B	CN¥6.61B	CN¥5.47B	CN¥7.38B	CN¥5.31B	CN¥4.82B	CN¥566.5M	CN¥4.84B	CN¥654.7M	CN¥2.10B	CN¥2.17B	CN¥2.07B
Inventory	CN¥0	CN¥0	CN¥0	CN¥0	CN¥0	CN¥0	CN¥0	CN¥0	CN¥228.4M	−CN¥734.1M	−CN¥76.1M	−CN¥74.2M
Other current assets	CN¥2.64B	CN¥383.4M	CN¥1	CN¥394.9M	CN¥354.8M	CN¥312.8M	CN¥7.33B	CN¥154.9M	CN¥2.58B	CN¥823.3M	CN¥688.6M	CN¥212.0M
Total current assets	CN¥6.23B	CN¥9.45B	CN¥9.35B	CN¥11.64B	CN¥9.76B	CN¥9.18B	CN¥11.74B	CN¥9.09B	CN¥9.04B	CN¥8.55B	CN¥9.09B	CN¥8.06B
Property, plant & equipment (net)	CN¥111.8M	CN¥118.5M	CN¥87.8M	CN¥125.1M	CN¥122.3M	CN¥117.3M	CN¥84.6M	CN¥94.7M	CN¥97.4M	CN¥96.5M	CN¥69.5M	CN¥100.8M
Goodwill & intangible assets	CN¥0	CN¥16.8M	CN¥16.8M	CN¥0	CN¥203.5M	CN¥152.8M	CN¥38.6M	CN¥0	CN¥0	CN¥37.8M	CN¥37.8M	CN¥831.1M
Long-term investments	CN¥0	CN¥531.0M	CN¥490.8M	CN¥503.4M	CN¥423.5M	CN¥413.2M	CN¥15.8M	CN¥12.2M	CN¥7.6M	CN¥10.4M	CN¥10.4M	CN¥4.8M
Other non-current assets	CN¥3.24B	CN¥2.39B	CN¥3.52B	CN¥3.19B	CN¥3.94B	CN¥3.41B	CN¥1.10B	CN¥3.26B	CN¥2.67B	CN¥2.29B	CN¥1.07B	CN¥356.0M
Total assets	CN¥9.58B	CN¥12.50B	CN¥13.46B	CN¥15.45B	CN¥14.45B	CN¥13.27B	CN¥12.98B	CN¥12.46B	CN¥11.82B	CN¥10.99B	CN¥10.28B	CN¥9.35B
Liabilities
Accounts payable	CN¥61.3M	CN¥93.8M	CN¥79.6M	CN¥50.4M	CN¥61.6M	CN¥79.9M	CN¥43.2M	CN¥42.7M	CN¥43.7M	CN¥41.5M	CN¥30.9M	CN¥38.0M
Short-term debt	—	—	—	CN¥0	CN¥0	CN¥0	CN¥0	CN¥0	—	CN¥19.0M	CN¥14.4M	CN¥14.4M
Deferred revenue	—	CN¥150,000	—	CN¥335,000	CN¥515,000	CN¥482,000	—	CN¥18.3M	CN¥38.8M	CN¥46.8M	CN¥54.0M	CN¥27.1M
Total current liabilities	CN¥449.0M	CN¥1.05B	CN¥1.78B	CN¥3.14B	CN¥2.60B	CN¥1.86B	CN¥2.09B	CN¥2.18B	CN¥2.16B	CN¥2.13B	CN¥1.92B	CN¥1.58B
Long-term debt	CN¥0	CN¥0	CN¥9.1M	CN¥9.3M	CN¥0	CN¥0	CN¥0	CN¥0	CN¥0	CN¥0	CN¥0	CN¥0
Lease obligations	—	CN¥35.3M	CN¥39.8M	CN¥42.6M	CN¥38.3M	CN¥37.8M	CN¥40.8M	CN¥15.2M	CN¥19.3M	CN¥19.0M	CN¥23.6M	CN¥27.7M
Other long-term liabilities	CN¥2.72B	CN¥2.67B	CN¥4.18B	CN¥1.96B	CN¥1.87B	CN¥1.66B	CN¥1.35B	CN¥993.4M	CN¥689.6M	CN¥255.8M	CN¥266.6M	CN¥246.2M
Total liabilities	CN¥2.72B	CN¥3.72B	CN¥4.19B	CN¥5.11B	CN¥4.47B	CN¥3.52B	CN¥3.44B	CN¥3.17B	CN¥2.85B	CN¥2.39B	CN¥2.19B	CN¥1.82B
Shareholders' equity
Common stock & paid-in capital	CN¥133,040	CN¥134,000	CN¥133,083	CN¥133,000	CN¥132,000	CN¥132,000	CN¥132,000	CN¥132,000	CN¥130,000	CN¥130,000	CN¥130,000	CN¥130,000
Retained earnings (deficit)	CN¥3.26B	CN¥3.71B	CN¥4.19B	CN¥5.21B	CN¥4.90B	CN¥4.68B	CN¥4.44B	CN¥4.23B	CN¥3.88B	CN¥3.47B	CN¥2.99B	CN¥2.41B
Accumulated other comprehensive income	−CN¥1.49B	−CN¥17.4M	CN¥10.7M	CN¥70.6M	CN¥42.2M	CN¥40.9M	—	CN¥21.2M	CN¥47.8M	CN¥66.7M	CN¥23.7M	CN¥25.9M
Minority interest	—	CN¥14.0M	—	—	—	—	—	—	—	—	—	—
Total shareholders' equity	CN¥6.85B	CN¥8.77B	CN¥9.28B	CN¥10.34B	CN¥9.98B	CN¥9.75B	CN¥9.54B	CN¥9.28B	CN¥8.96B	CN¥8.60B	CN¥8.09B	CN¥7.53B
Key figures
Total debt	CN¥33.3M	CN¥35.3M	CN¥39.8M	CN¥51.9M	CN¥38.3M	CN¥37.8M	CN¥0	CN¥15.2M	CN¥19.3M	CN¥19.0M	CN¥23.6M	CN¥27.7M
Net cash (debt)	CN¥1.75B	CN¥2.42B	CN¥3.83B	CN¥3.81B	CN¥4.06B	CN¥4.01B	CN¥3.84B	CN¥4.08B	CN¥5.56B	CN¥6.34B	CN¥6.28B	CN¥5.82B
Working capital	CN¥5.78B	CN¥8.40B	CN¥7.57B	CN¥8.49B	CN¥7.16B	CN¥7.32B	CN¥9.65B	CN¥6.91B	CN¥6.88B	CN¥6.42B	CN¥7.17B	CN¥6.48B
Tangible book value	CN¥6.85B	CN¥8.75B	CN¥9.26B	CN¥10.34B	CN¥9.78B	CN¥9.60B	CN¥9.50B	CN¥9.28B	CN¥8.96B	CN¥8.56B	CN¥8.05B	CN¥6.70B
Shares outstanding	87.5M	87.5M	43.6M	87.6M	87.1M	87.0M	191.2M	88.0M	86.9M	88.1M	44.3M	89.2M
Current ratio	13.88	9.00	5.25	3.70	3.76	4.93	5.61	4.17	4.18	4.02	4.72	5.11
Quick ratio	8.00	8.63	5.25	3.58	3.62	4.77	2.10	4.10	2.88	3.97	4.41	5.03
Debt / equity	0.00	0.00	0.00	0.01	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Equity / assets	71.5%	70.1%	68.9%	66.9%	69.1%	73.5%	73.5%	74.5%	75.9%	78.3%	78.7%	80.5%

Quarterly columns are labeled by the month the quarter ended. Figures in Chinese yuan as reported (latest annual report filed April 29, 2026); data from EODHD.

YRD financial position

At the end of fiscal 2025 (December 31, 2025), Yiren Digital had total assets of CN¥13.5 billion (up 3.6% from a year earlier), total liabilities of CN¥4.2 billion and shareholders' equity of CN¥9.3 billion. It held CN¥3.4 billion in cash and short-term investments against CN¥48.8 million of debt, a net cash position of CN¥3.3 billion. Its current ratio was 6.82. In the latest quarter (ended June 30, 2026) total assets were CN¥9.6 billion and equity CN¥6.9 billion.

Related: YRD income statement, YRD cash flow statement, YRD key metrics. See the YRD stock overview for the latest quote and news.

YRD balance sheet FAQ

What are Yiren Digital's total assets?

Yiren Digital reported total assets of CN¥13.5 billion at the end of fiscal 2025 (December 31, 2025), compared with CN¥13.0 billion a year earlier.

How much debt does Yiren Digital have?

Yiren Digital had CN¥48.8 million of total debt at the end of fiscal 2025, including short-term borrowings and lease obligations. Its debt-to-equity ratio was 0.01.

How much cash does Yiren Digital have?

Yiren Digital held CN¥3.4 billion in cash and short-term investments at the end of fiscal 2025; with CN¥48.8 million of debt that is net cash of CN¥3.3 billion.

What is Yiren Digital's book value?

Yiren Digital's shareholders' equity (book value) was CN¥9.3 billion at the end of fiscal 2025.

What is Yiren Digital's current ratio?

Yiren Digital had current assets of CN¥12.1 billion and current liabilities of CN¥1.8 billion, a current ratio of 6.82 (it can cover its short-term obligations).

How much goodwill does Yiren Digital have?

Yiren Digital carried CN¥16.8 million of goodwill and intangible assets, 0.1% of total assets, at the end of fiscal 2025.