Yiren Digital Ltd (YRD) FinancialsYRDFinancialYiren Digital Ltd

Yiren Digital Ltd (YRD) generates its revenue through a diversified portfolio of business segments. Currently, the largest contributor to its top-line growth is Financial Services Business, accounting for 87.0% of total sales, equivalent to CNY 795.75M. Other significant revenue streams include Insurance Brokerage Business and Consumption & lifestyle business and others. Understanding this composition is critical for investors evaluating how YRD navigates market cycles within the Investment Management & Fund Operators industry.

Evaluating the bottom line, Yiren Digital Ltd maintains a gross margin of N/A. This metric reflects the company's pricing power and manufacturing efficiency. Further down the income statement, the operating margin stands at -53.24%, while the net margin is -68.81%. These profitability ratios, combined with a Return on Equity (ROE) of -7.41%, provide a clear picture of how effectively YRD converts its operational activities into shareholder value.

In the context of the broader market, YRD competes directly with industry leaders such as AEYE and TP. With a market capitalization of $104.11M, it holds a leading position in the sector. When comparing efficiency, YRD's gross margin of N/A stands against AEYE's 78.84% and TP's N/A. Such benchmarking helps identify whether Yiren Digital Ltd is trading at a premium or discount relative to its financial performance.

Yiren Digital's financial performance shows a troubling trend with a net income loss of -493,541,000 CNY in Q1 2026 and a forward P/E ratio of 7.0972, indicating potential undervaluation but also reflecting uncertainty.