Yiren Digital Ltd. (YRD) Income Statement
YRD 2025 at a glance
Fiscal year ended December 31, 2025 · Chinese yuanYRD revenue and net income
Where YRD's revenue goes
2025Each bar shows an amount and its share of revenue. YRD kept 0.7% of revenue as net income.
YRD profit margins
YRD growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | −4.0% | +17.5% | +7.1% | +15.2% |
| Gross profit | −2.9% | +21.6% | +10.8% | +14.3% |
| Operating income | +30.3% | +13.4% | — | +17.9% |
| Net income | −97.5% | −67.9% | — | −17.9% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
YRD income statement in Chinese yuan
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | CN¥5.57B | CN¥5.81B | CN¥4.90B | CN¥3.43B | CN¥4.48B | CN¥3.96B | CN¥8.62B | CN¥5.62B | CN¥5.54B | CN¥3.24B |
| Cost of revenue | CN¥790.2M | CN¥883.0M | CN¥976.2M | CN¥776.8M | CN¥760.9M | CN¥1.10B | CN¥665.1M | CN¥644.3M | CN¥417.9M | CN¥180.1M |
| Gross profit | CN¥4.78B | CN¥4.92B | CN¥3.92B | CN¥2.66B | CN¥3.72B | CN¥2.86B | CN¥7.95B | CN¥4.98B | CN¥5.13B | CN¥3.06B |
| Research & development | CN¥406.6M | CN¥411.9M | CN¥148.8M | CN¥151.9M | CN¥208.0M | — | CN¥0 | CN¥0 | CN¥0 | CN¥0 |
| Sales, general & admin | CN¥1.48B | CN¥1.47B | CN¥887.7M | CN¥845.8M | CN¥2.06B | CN¥2.54B | CN¥5.20B | CN¥3.47B | CN¥3.45B | CN¥1.89B |
| Total operating expenses | CN¥2.64B | CN¥3.28B | CN¥1.32B | CN¥1.19B | CN¥2.43B | CN¥2.91B | CN¥6.82B | CN¥4.14B | CN¥3.45B | CN¥1.97B |
| Operating income | CN¥2.15B | CN¥1.65B | CN¥2.59B | CN¥1.47B | CN¥1.15B | −CN¥50.0M | CN¥1.13B | CN¥838.0M | CN¥1.68B | CN¥1.08B |
| Interest income | CN¥129.3M | CN¥212.6M | CN¥30.6M | CN¥7.4M | CN¥110.8M | CN¥61.6M | CN¥75.1M | CN¥307.7M | CN¥74.7M | CN¥17.1M |
| Interest expense | — | — | — | CN¥61.6M | CN¥61.6M | CN¥1.05B | CN¥661.4M | CN¥71.3M | CN¥114.9M | CN¥36.8M |
| Income before taxes | −CN¥56.9M | CN¥1.86B | CN¥2.65B | CN¥1.50B | CN¥1.20B | −CN¥773.4M | CN¥1.39B | CN¥1.16B | CN¥1.75B | CN¥1.10B |
| Income taxes | −CN¥96.3M | CN¥279.2M | CN¥565.2M | CN¥300.5M | CN¥170.2M | −CN¥80.6M | CN¥239.2M | CN¥194.3M | CN¥381.2M | −CN¥13.9M |
| Net income | CN¥39.4M | CN¥1.58B | CN¥2.08B | CN¥1.19B | CN¥1.03B | −CN¥692.7M | CN¥1.16B | CN¥966.6M | CN¥1.37B | CN¥1.12B |
| EBITDA | −CN¥26.3M | CN¥1.68B | CN¥2.62B | CN¥1.52B | CN¥1.29B | CN¥277.5M | CN¥1.52B | CN¥877.5M | CN¥1.70B | CN¥1.10B |
| Gross margin | 85.8% | 84.8% | 80.1% | 77.4% | 83.0% | 72.1% | 92.3% | 88.5% | 92.5% | 94.4% |
| Operating margin | 38.5% | 28.4% | 53.0% | 42.9% | 25.6% | −1.3% | 13.1% | 14.9% | 30.3% | 33.5% |
| Net margin | 0.7% | 27.3% | 42.5% | 34.8% | 23.1% | −17.5% | 13.4% | 17.2% | 24.7% | 34.5% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | CN¥890.0M | CN¥915.1M | CN¥945.4M | CN¥1.55B | CN¥1.67B | CN¥1.55B | CN¥1.45B | CN¥1.48B | CN¥1.50B | CN¥1.38B | CN¥1.27B | CN¥1.31B |
| Cost of revenue | CN¥189.6M | CN¥197.6M | CN¥256.8M | CN¥149.9M | CN¥160.9M | CN¥224.7M | CN¥197.2M | CN¥205.9M | CN¥246.5M | CN¥233.3M | CN¥184.7M | CN¥245.4M |
| Gross profit | CN¥700.4M | CN¥717.6M | CN¥688.6M | CN¥1.41B | CN¥1.51B | CN¥1.33B | CN¥1.25B | CN¥1.27B | CN¥1.25B | CN¥1.14B | CN¥1.09B | CN¥1.07B |
| Research & development | CN¥113.1M | CN¥108.9M | CN¥121.4M | CN¥91.5M | CN¥107.7M | CN¥86.0M | CN¥164.7M | CN¥150.8M | CN¥55.8M | CN¥40.5M | CN¥47.6M | CN¥39.0M |
| Sales, general & admin | CN¥202.7M | CN¥184.1M | CN¥1.66B | CN¥436.2M | CN¥424.0M | CN¥372.8M | CN¥794.5M | CN¥415.7M | CN¥353.8M | CN¥360.9M | CN¥256.2M | CN¥249.2M |
| Total operating expenses | CN¥1.05B | CN¥469.4M | CN¥732.7M | CN¥757.0M | CN¥1.13B | CN¥1.02B | CN¥1.16B | CN¥933.9M | CN¥532.9M | CN¥571.0M | CN¥407.4M | CN¥372.0M |
| Operating income | −CN¥351.5M | CN¥248.2M | −CN¥44.0M | CN¥648.0M | CN¥381.5M | CN¥307.5M | CN¥295.8M | CN¥339.3M | CN¥717.1M | CN¥573.8M | CN¥687.1M | CN¥693.4M |
| Interest income | — | — | CN¥69.4M | CN¥184.8M | CN¥48.2M | CN¥24.2M | CN¥47.7M | CN¥58.3M | — | CN¥27.7M | — | — |
| Income before taxes | −CN¥424.6M | −CN¥457.7M | −CN¥1.11B | CN¥373.7M | CN¥421.4M | CN¥274.0M | CN¥342.1M | CN¥400.1M | CN¥501.6M | CN¥617.7M | CN¥712.1M | CN¥716.3M |
| Income taxes | CN¥25.1M | CN¥37.0M | −CN¥241.9M | CN¥56.1M | CN¥63.9M | CN¥26.3M | — | CN¥44.7M | CN¥92.0M | CN¥131.8M | CN¥140.8M | CN¥161.9M |
| Net income | −CN¥446.8M | −CN¥493.5M | −CN¥870.0M | CN¥317.6M | CN¥357.5M | CN¥247.5M | CN¥331.4M | CN¥355.4M | CN¥409.5M | CN¥485.9M | CN¥571.3M | CN¥554.4M |
| EBITDA | −CN¥424.6M | −CN¥452.7M | −CN¥1.11B | CN¥651.3M | CN¥384.1M | CN¥309.8M | — | CN¥341.7M | CN¥440.2M | CN¥575.7M | CN¥687.1M | CN¥695.1M |
| Gross margin | 78.7% | 78.4% | 72.8% | 90.4% | 90.4% | 85.5% | 86.4% | 86.1% | 83.5% | 83.1% | 85.5% | 81.3% |
| Operating margin | −39.5% | 27.1% | −4.7% | 41.7% | 22.8% | 19.8% | 20.4% | 22.9% | 47.9% | 41.6% | 53.9% | 52.9% |
| Net margin | −50.2% | −53.9% | −92.0% | 20.4% | 21.4% | 15.9% | 22.8% | 24.0% | 27.4% | 35.3% | 44.8% | 42.3% |
Quarterly columns are labeled by the month the quarter ended. Figures in Chinese yuan as reported in YRD's financial statements (latest annual report filed April 29, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
YRD financial results
In fiscal year 2025 (ended December 31, 2025), Yiren Digital reported revenue of CN¥5.6 billion, down 4.0% from the year before. It had net income of CN¥39.4 million (down 97.5%), a net profit margin of 0.7%. Over five years revenue grew at an average rate of 7.1% a year. Figures are in Chinese yuan, the currency of its financial statements.
See the YRD stock overview for the latest quote and news, or the YRD chart for price history and technical indicators.
YRD income statement FAQ
What is Yiren Digital's annual revenue?
Yiren Digital reported total revenue of CN¥5.6 billion for fiscal year 2025, which ended on December 31, 2025. That was down 4.0% from CN¥5.8 billion the previous year.
Is Yiren Digital profitable?
Yes. Yiren Digital reported net income of CN¥39.4 million in fiscal 2025, a net profit margin of 0.7%; its operating margin was 38.5%.
What is Yiren Digital's gross margin?
Yiren Digital's gross margin was 85.8% in fiscal 2025: for every $100 of revenue, Yiren Digital kept $86 after the direct cost of its products and services.
How much does Yiren Digital spend on research and development?
Yiren Digital spent CN¥406.6 million on research and development in fiscal 2025, 7.3% of revenue.
How fast is Yiren Digital growing?
Revenue grew 7.1% a year on average over the last five fiscal years, from CN¥4.0 billion to CN¥5.6 billion.
When does Yiren Digital's fiscal year end?
Yiren Digital's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on April 29, 2026.