What is Yirendai's operating income?

Yirendai's total operating income in 2025 was -$31.71 million, based on the following breakdown: Total Gross Profit: $689.19 million Total Operating Expenses: $720.90 million

Yirendai (YRD) Financials

$1.18 -0.01 (-0.42%)

Closing price 07/24/2026 03:59 PM Eastern

Extended Trading

$1.18 0.00 (0.00%)

As of 07/24/2026 05:14 PM Eastern

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Annual Income Statements for Yirendai

This table shows Yirendai's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Net Income / (Loss) Attributable to Common Shareholders	42	160	-29	230	166	-107	162	173	293	217	7.80
Consolidated Net Income / (Loss)	42	160	-29	230	166	-107	162	173	293	217	7.80
Net Income / (Loss) Continuing Operations	42	160	-29	230	166	-107	162	173	293	217	7.80
Total Pre-Tax Income	61	158	29	260	201	-119	189	217	373	255	-5.44
Total Operating Income	62	156	-12	113	162	-109	202	213	365	226	-32
Total Gross Profit	200	464	1,770	1,482	1,142	439	583	385	653	724	689
Total Revenue	200	464	1,770	1,637	1,237	609	703	498	690	795	818
Operating Revenue	199	464	1,770	1,637	1,237	609	703	498	690	795	818
Total Cost of Revenue	0.00	0.00	0.00	154	95	170	119	113	37	72	129
Other Cost of Revenue	-	-	-	-	-	-	-	-	37	72	129
Total Operating Expenses	138	309	1,782	1,369	980	548	381	172	287	498	721
Selling, General & Admin Expense	21	46	203	194	106	97	47	39	33	38	46
Marketing Expense	103	225	1,382	969	640	293	244	83	92	164	166
Research & Development Expense	-	-	-	-	-	-	33	22	21	56	58
Other Operating Expenses / (Income)	13	26	191	144	233	57	58	27	141	240	451
Total Other Income / (Expense), net	-0.99	2.54	41	147	39	-10	-13	3.41	7.12	29	26
Interest & Investment Income	0.73	5.28	18	11	-	-	-	-	11	14	12
Other Income / (Expense), net	0.00	0.08	37	100	28	2.28	4.18	4.48	-4.25	15	14
Income Tax Expense	20	-2.00	58	28	34	-12	27	44	80	38	-14
Other Gains / (Losses), net	-	-	0.78	-1.35	-0.31	-	-	0.00	0.00	-0.06	-0.65
Basic Earnings per Share	$2.74	$9.44	($1.03)	$8.58	$6.24	($3.84)	$6.11	$0.99	$1.66	$1.25	$0.04
Weighted Average Basic Shares Outstanding	100.65M	118.24M	182.44M	184.23M	185.22M	180.30M	169.03M	174.70M	176.75M	173.26M	173.58M
Diluted Earnings per Share	$2.74	$9.39	($1.03)	$8.48	$6.20	($3.84)	$6.06	$0.99	$1.64	$1.24	$0.04
Weighted Average Diluted Shares Outstanding	100.65M	118.94M	182.44M	186.27M	186.54M	180.30M	170.59M	175.39M	178.69M	174.71M	174.68M
Weighted Average Basic & Diluted Shares Outstanding	100.65M	119.51M	121.34M	123.13M	185.60M	167.97M	170.00M	178.58M	174.71M	172.61M	174.68M

No quarterly income statements for Yirendai are available.

This table details how cash moves in and out of Yirendai's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Net Change in Cash & Equivalents	202	123	252	-210	34	-86	37	205	239	-268	-30
Net Cash From Operating Activities	131	303	28	-576	39	43	25	268	306	195	101
Net Cash From Continuing Operating Activities	131	303	28	-576	39	43	25	268	306	195	101
Net Income / (Loss) Continuing Operations	42	160	-29	230	166	-107	162	173	293	217	7.80
Consolidated Net Income / (Loss)	42	160	-29	230	166	-107	162	173	293	217	7.80
Depreciation Expense	0.55	1.52	22	22	18	14	6.78	3.83	1.00	1.22	1.85
Amortization Expense	-	-	0.00	0.00	39	36	15	3.83	2.58	2.66	2.52
Non-Cash Adjustments To Reconcile Net Income	-5.89	5.30	63	87	-22	330	-111	73	-26	142	481
Changes in Operating Assets and Liabilities, net	95	136	-28	-915	-161	-230	-49	14	36	-167	-393
Net Cash From Investing Activities	-43	-204	-179	480	159	-276	-54	7.62	14	-426	-225
Net Cash From Continuing Investing Activities	-43	-204	-179	480	159	-276	-54	7.62	14	-426	-225
Purchase of Property, Plant & Equipment	-2.50	-4.30	-33	-20	-6.89	-2.11	-1.48	-0.13	-0.63	-1.26	-3.68
Acquisitions	-	-	0.00	0.00	-38	-2.33	0.00	0.00	-0.71	-1.32	-1.02
Purchase of Investments	-54	-255	-1,001	-548	-196	-89	-185	-364	-2,263	-2,083	-216
Sale of Property, Plant & Equipment	0.00	0.00	5.86	0.09	0.01	0.20	0.10	0.13	0.02	0.00	0.00
Divestitures	-	-	-	0.00	2.65	-182	-	0.00	0.00	0.11	0.95
Sale and/or Maturity of Investments	12	31	814	1,029	479	251	195	224	2,225	1,659	224
Other Investing Activities, net	1.59	24	35	20	-82	-252	-62	148	53	-0.54	-229
Net Cash From Financing Activities	114	19	406	-115	-165	147	67	-71	-80	-38	95
Net Cash From Continuing Financing Activities	114	19	406	-115	-165	147	67	-71	-80	-38	95
Repayment of Debt	-	0.00	-179	-1,009	-41	-2.86	-12	-58	-136	0.00	0.00
Repurchase of Common Equity	0.00	-3.13	0.00	-0.04	-5.29	-0.47	-0.43	-0.56	-6.78	-10	-0.03
Payment of Dividends	0.00	0.00	-93	-16	-	-	-	0.00	0.00	-17	-39
Issuance of Debt	38	-	817	973	107	133	91	-	0.00	0.00	1.34
Other Financing Activities, net	0.01	-45	-204	-63	-227	18	-11	-12	62	-11	133
Cash Interest Paid	-	-	0.00	2.24	1.64	0.25	13	18	8.81	0.00	0.03
Cash Income Taxes Paid	15	9.45	46	49	26	16	9.94	11	23	19	38

No quarterly cash flow statements for Yirendai are available.

This table presents Yirendai's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Total Assets	333	686	1,154	2,074	1,385	1,031	1,214	1,238	1,447	1,779	1,924
Total Current Assets	253	318	877	941	732	318	144	416	294	1,430	1,481
Cash & Equivalents	129	139	285	379	459	-	-	-	-	526	479
Restricted Cash	74	175	277	62	10	36	13	13	38	36	75
Note & Lease Receivable	-	-	-	0.00	4.25	193	-	-	-	2.40	130
Accounts Receivable	13	4.10	3.28	5.87	0.49	19	48	216	186	542	543
Prepaid Expenses	38	-	164	371	191	43	55	47	60	324	254
Plant, Property, & Equipment, net	2.46	5.09	13	39	28	23	16	11	11	11	7.21
Total Noncurrent Assets	78	363	264	1,095	625	690	1,055	810	1,142	338	436
Long-Term Investments	-	-	1.53	80	0.95	0.51	0.35	0.39	1.47	61	71
Noncurrent Note & Lease Receivables	-	-	-	-	0.00	-	266	75	17	65	119
Noncurrent Deferred & Refundable Income Taxes	27	63	123	27	6.52	2.58	1.16	12	10	11	46
Other Noncurrent Operating Assets	51	301	139	989	617	687	787	723	1,114	202	199
Total Liabilities & Shareholders' Equity	333	686	1,154	2,074	1,385	1,031	1,214	1,238	1,447	1,779	1,924
Total Liabilities	185	379	698	2,127	740	450	458	363	309	471	598
Total Current Liabilities	83	143	204	364	340	187	189	193	210	235	75
Accounts Payable	0.68	1.96	5.19	45	6.26	1.52	2.99	2.05	4.35	5.91	11
Accrued Expenses	44	81	199	319	334	186	186	191	206	222	58
Current Deferred Revenue	-	-	-	-	-	-	-	-	-	1.30	0.03
Other Current Liabilities	39	60	-	0.00	-	-	-	-	-	5.58	5.69
Total Noncurrent Liabilities	102	236	494	1,763	400	262	269	171	98	236	523
Noncurrent Deferred & Payable Income Tax Liabilities	-	0.00	1.73	71	31	5.96	18	12	17	5.68	4.27
Other Noncurrent Operating Liabilities	83	211	458	1,610	315	172	88	38	73	231	519
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	149	307	456	-53	645	581	757	874	1,139	1,307	1,326
Total Preferred & Common Equity	149	307	456	-53	645	581	757	874	1,139	1,307	1,326
Total Common Equity	149	307	456	-53	645	581	757	874	1,139	1,307	1,326
Common Stock	121	134	172	188	723	778	800	748	728	712	749
Retained Earnings	28	169	282	-244	-77	-193	-39	132	420	608	601
Treasury Stock	-	-	0.00	-0.04	-5.33	-6.17	-6.73	-6.78	-13	-23	-24
Accumulated Other Comprehensive Income / (Loss)	0.02	4.22	1.70	2.39	3.14	2.63	1.81	1.13	3.33	11	-0.36

No quarterly balance sheets for Yirendai are available.

This table displays calculated financial ratios and metrics derived from Yirendai's official financial filings.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
DEI Shares Outstanding	-	-	-	-	-	-	-	-	-	-	172,605,774.00
DEI Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	-	172,605,774.00
DEI Earnings Per Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	-	0.05
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	532.91%	132.15%	281.22%	-7.53%	-24.41%	-50.74%	15.31%	-29.13%	38.47%	15.35%	2.82%
EBITDA Growth	1,577.22%	149.30%	-70.68%	409.91%	4.76%	-122.72%	508.06%	-1.15%	64.88%	-38.21%	-105.50%
EBIT Growth	1,503.94%	149.07%	-84.28%	772.66%	-11.22%	-156.09%	294.01%	5.67%	69.03%	-38.66%	-107.40%
NOPAT Growth	1,467.37%	269.76%	-92.02%	701.19%	33.34%	-156.62%	328.23%	-1.68%	68.54%	-33.26%	-111.57%
Net Income Growth	1,040.90%	281.87%	-236.06%	896.78%	-27.84%	-164.22%	252.14%	6.87%	69.12%	-26.01%	-96.40%
EPS Growth	1,087.22%	243.12%	-110.98%	922.71%	-26.96%	-162.02%	257.60%	12.50%	70.88%	-24.33%	-96.41%
Operating Cash Flow Growth	459.19%	131.11%	-90.68%	-2,140.20%	106.83%	10.20%	-42.77%	980.18%	14.04%	-36.20%	-48.43%
Free Cash Flow Firm Growth	438.24%	-16.93%	0.00%	105.50%	-224.33%	16.84%	80.38%	297.13%	-57.68%	-26.39%	-106.62%
Invested Capital Growth	-248.66%	90.57%	-4,996.34%	-327.14%	115.93%	435.97%	47.66%	-5.21%	23.56%	15.60%	2.53%
Revenue Q/Q Growth	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
EBITDA Q/Q Growth	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
EBIT Q/Q Growth	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
NOPAT Q/Q Growth	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Net Income Q/Q Growth	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
EPS Q/Q Growth	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Operating Cash Flow Q/Q Growth	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Free Cash Flow Firm Q/Q Growth	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Invested Capital Q/Q Growth	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
Gross Margin	100.00%	100.00%	200.00%	90.56%	92.28%	72.12%	83.01%	77.38%	80.06%	84.79%	84.27%
EBITDA Margin	31.52%	33.85%	2.60%	14.36%	19.90%	-9.18%	32.47%	45.29%	53.93%	28.89%	-1.64%
Operating Margin	31.24%	33.50%	-0.69%	6.90%	13.09%	-17.82%	28.75%	42.85%	53.00%	28.37%	-3.88%
EBIT Margin	31.24%	33.52%	2.76%	26.08%	15.32%	-17.44%	29.34%	43.75%	53.41%	28.40%	-2.18%
Profit (Net Income) Margin	20.96%	34.48%	-1.63%	28.10%	13.41%	-17.49%	23.07%	34.79%	42.49%	27.25%	0.95%
Tax Burden Percent	68.18%	202.53%	-100.00%	177.17%	82.72%	89.58%	85.86%	79.90%	78.64%	84.98%	-143.44%
Interest Burden Percent	98.41%	101.58%	118.00%	121.62%	105.85%	111.92%	91.57%	99.51%	101.17%	112.92%	30.52%
Effective Tax Rate	31.82%	-2.53%	202.69%	10.89%	17.12%	0.00%	14.15%	20.10%	21.36%	14.99%	0.00%
Return on Invested Capital (ROIC)	0.00%	0.00%	0.00%	0.00%	0.00%	-21.56%	23.58%	19.96%	30.92%	16.34%	-3.20%
ROIC Less NNEP Spread (ROIC-NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	-9.83%	6.60%	26.98%	23.67%	-34.47%	-8.01%
Return on Net Nonoperating Assets (RNNOA)	0.00%	0.00%	0.00%	0.00%	0.00%	4.18%	0.66%	1.28%	-1.82%	1.38%	3.80%
Return on Equity (ROE)	45.38%	70.28%	-7.57%	114.16%	56.07%	-17.39%	24.24%	21.24%	29.11%	17.72%	0.59%
Cash Return on Invested Capital (CROIC)	0.00%	0.00%	0.00%	0.00%	-606.74%	-158.67%	-14.91%	25.31%	9.85%	1.87%	-5.70%
Operating Return on Assets (OROA)	31.38%	30.54%	2.66%	13.22%	10.96%	-8.80%	18.37%	17.77%	27.43%	14.00%	-0.96%
Return on Assets (ROA)	21.05%	31.41%	-3.14%	14.25%	9.59%	-8.82%	14.44%	14.13%	21.82%	13.44%	0.42%
Return on Common Equity (ROCE)	45.38%	70.28%	-7.57%	232.60%	56.07%	-17.39%	24.24%	21.24%	29.11%	17.72%	0.59%
Return on Equity Simple (ROE_SIMPLE)	28.18%	52.17%	-6.33%	-869.43%	25.74%	-18.34%	21.42%	19.81%	25.73%	16.58%	0.00%
Net Operating Profit after Tax (NOPAT)	43	158	13	101	134	-76	173	171	287	192	-22
NOPAT Margin	21.30%	33.93%	0.71%	6.15%	10.85%	-12.47%	24.68%	34.24%	41.68%	24.12%	-2.71%
Net Nonoperating Expense Percent (NNEP)	-0.67%	1.00%	-8.10%	19.09%	5.39%	-11.73%	16.98%	-7.02%	7.25%	50.81%	4.81%
Return On Investment Capital (ROIC_SIMPLE)	-	-	-	-	-	-	-	-	-	14.67%	-1.67%
Cost of Revenue to Revenue	0.00%	0.00%	0.00%	9.44%	7.72%	27.88%	16.99%	22.62%	19.94%	15.21%	15.73%
SG&A Expenses to Revenue	10.44%	9.91%	11.47%	11.88%	8.60%	15.92%	6.66%	7.91%	4.72%	4.73%	5.63%
R&D to Revenue	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	4.64%	4.42%	3.04%	7.09%	7.11%
Operating Expenses to Revenue	68.76%	66.50%	100.69%	83.66%	79.19%	89.93%	54.26%	34.53%	27.06%	56.42%	88.15%
Earnings before Interest and Taxes (EBIT)	62	156	24	213	189	-106	206	218	368	226	-18
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	63	157	46	235	246	-56	228	226	372	230	-13
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.00	3.79	5.72	0.00	0.53	0.53	0.32	0.13	0.24	0.32	0.24
Price to Tangible Book Value (P/TBV)	0.00	3.79	5.72	0.00	0.53	0.53	0.32	0.13	0.24	0.32	0.24
Price to Revenue (P/Rev)	0.00	2.50	1.47	0.40	0.28	0.51	0.34	0.23	0.40	0.53	0.39
Price to Earnings (P/E)	0.00	7.26	0.00	2.84	2.06	0.00	1.48	0.67	0.95	1.93	40.95
Dividend Yield	0.00%	0.00%	3.44%	16.56%	0.00%	0.00%	0.00%	0.00%	0.00%	4.17%	11.89%
Earnings Yield	0.00%	13.77%	0.00%	35.26%	48.56%	0.00%	67.49%	148.77%	105.17%	51.70%	2.44%
Enterprise Value to Invested Capital (EV/IC)	0.00	0.00	0.00	0.00	0.00	0.54	0.41	0.09	0.16	0.29	0.00
Enterprise Value to Revenue (EV/Rev)	0.00	1.83	2.14	0.01	0.00	0.53	0.51	0.15	0.24	0.47	0.00
Enterprise Value to EBITDA (EV/EBITDA)	0.00	5.41	41.14	0.04	0.00	0.00	1.58	0.33	0.45	1.61	0.00
Enterprise Value to EBIT (EV/EBIT)	0.00	5.47	155.08	0.04	0.00	0.00	1.75	0.34	0.45	1.64	0.00
Enterprise Value to NOPAT (EV/NOPAT)	0.00	5.40	150.88	0.66	0.00	0.00	2.08	0.43	0.58	1.93	0.00
Enterprise Value to Operating Cash Flow (EV/OCF)	0.00	2.81	67.12	0.00	0.00	7.44	14.53	0.27	0.55	1.90	0.00
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	7.78	7.20	0.02	0.00	0.00	0.00	0.34	1.83	16.90	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.00	0.01	0.00	0.00	0.00	0.13	0.21	0.13	0.00	0.00	0.00
Long-Term Debt to Equity	0.00	0.01	0.00	0.00	0.00	0.13	0.21	0.13	0.00	0.00	0.00
Financial Leverage	-1.09	-1.13	-1.34	-3.36	-1.99	-0.42	0.10	0.05	-0.08	-0.04	-0.47
Leverage Ratio	2.16	4.47	2.41	8.01	5.85	1.97	1.68	1.50	1.33	1.32	1.41
Compound Leverage Factor	2.12	2.27	2.85	19.49	6.19	2.21	1.54	1.50	1.35	1.49	0.43
Debt to Total Capital	0.37%	1.08%	0.00%	0.00%	0.41%	11.70%	17.58%	11.29%	0.00%	0.00%	0.00%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	0.37%	0.54%	0.00%	0.00%	0.41%	11.70%	17.58%	11.29%	0.00%	0.00%	0.00%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	99.63%	99.46%	100.00%	100.00%	99.59%	88.30%	82.42%	88.71%	100.00%	100.00%	100.00%
Debt to EBITDA	0.01	0.01	0.00	0.00	0.01	-1.38	0.71	0.49	0.00	0.00	0.00
Net Debt to EBITDA	-3.20	-1.98	0.00	0.00	-2.17	-0.23	0.53	-0.19	0.00	0.00	0.00
Long-Term Debt to EBITDA	0.01	0.01	0.00	0.00	0.01	-1.38	0.71	0.49	0.00	0.00	0.00
Debt to NOPAT	0.01	0.01	0.00	0.00	0.02	-1.01	0.93	0.65	0.00	0.00	0.00
Net Debt to NOPAT	-4.74	-3.96	0.00	0.00	-3.98	-0.17	0.70	-0.25	0.00	0.00	0.00
Long-Term Debt to NOPAT	0.01	0.02	0.00	0.00	0.02	-1.01	0.93	0.65	0.00	0.00	0.00
Altman Z-Score	0.00	3.92	4.89	2.96	1.88	0.55	1.36	1.54	2.38	2.34	2.03
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Current Ratio	3.04	2.22	4.30	2.58	2.15	1.70	0.76	2.16	1.65	4.00	19.75
Quick Ratio	1.70	2.00	2.14	2.79	1.56	1.27	0.40	1.85	1.20	2.42	15.37
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	132	109	263	541	-672	-559	-110	216	92	22	-40
Operating Cash Flow to CapEx	5,252.65%	7,053.72%	102.40%	0.00%	572.05%	2,267.29%	1,799.27%	16,811,419.75%	50,359.90%	15,514.56%	2,734.11%
Free Cash Flow to Firm to Interest Expense	76.27	38.63	19.86	0.00	0.00	-44.14	-6.31	201.49	0.00	0.00	0.00
Operating Cash Flow to Interest Expense	76.00	214.18	2.13	0.00	0.00	3.42	1.43	249.86	0.00	0.00	0.00
Operating Cash Flow Less CapEx to Interest Expense	74.55	211.15	0.05	0.00	0.00	3.27	1.35	249.85	0.00	0.00	0.00
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	1.00	0.91	1.92	2.03	0.72	0.50	0.63	0.41	0.51	0.49	0.44
Accounts Receivable Turnover	10.36	55.49	479.86	357.79	389.21	62.93	21.06	3.78	3.44	2.19	1.51
Inventory Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	132.68	122.92	199.87	63.76	37.02	24.01	36.29	36.49	61.70	72.55	90.94
Accounts Payable Turnover	0.00	0.00	0.00	6.19	3.75	43.67	52.89	44.67	42.94	23.57	14.87
Days Sales Outstanding (DSO)	35.23	6.58	0.76	1.02	0.94	5.80	17.33	96.57	106.25	166.94	242.16
Days Inventory Outstanding (DIO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Payable Outstanding (DPO)	0.00	0.00	0.00	117.87	97.37	8.36	6.90	8.17	8.50	15.49	24.54
Cash Conversion Cycle (CCC)	35.23	13.16	0.76	-115.83	-96.43	-2.56	10.43	88.40	97.75	151.45	217.62
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	-53	-5.02	-256	-696	111	594	877	831	1,027	1,259	702
Invested Capital Turnover	-22.97	-15.95	-13.58	-3.44	-4.23	1.73	0.96	0.58	0.74	0.68	1.18
Increase / (Decrease) in Invested Capital	-89	48	-251	-440	807	483	283	-46	196	170	17
Enterprise Value (EV)	0.00	850	1,896	9.28	-192	323	361	73	167	371	-305
Market Capitalization	0.00	1,162	2,607	652	342	310	240	116	279	419	319
Book Value per Share	$1.48	$2.62	$3.81	($0.44)	$5.24	$3.13	$4.50	$5.14	$6.38	$7.48	$7.68
Tangible Book Value per Share	$1.48	$2.62	$3.81	($0.44)	$5.24	$3.13	$4.50	$5.14	$6.38	$7.48	$7.68
Total Capital	149	309	456	-53	647	658	918	986	1,139	1,307	1,326
Total Debt	0.56	1.66	0.00	0.00	2.67	77	161	111	0.00	0.00	0.00
Total Long-Term Debt	0.56	1.66	0.00	0.00	2.67	77	161	111	0.00	0.00	0.00
Net Debt	-202	-312	-711	-643	-534	13	121	-43	-112	-48	-624
Capital Expenditures (CapEx)	2.50	4.30	28	20	6.88	1.91	1.38	0.00	0.61	1.26	3.68
Debt-free, Cash-free Net Working Capital (DFCFNWC)	-33	-139	-37	13	-144	67	-85	70	30	637	852
Debt-free Net Working Capital (DFNWC)	170	175	673	577	392	131	-45	223	140	683	1,406
Net Working Capital (NWC)	170	175	673	577	392	131	-45	223	140	683	1,406
Net Nonoperating Expense (NNE)	0.68	-2.57	41	-129	-32	31	11	-2.72	-5.60	-25	-30
Net Nonoperating Obligations (NNO)	-202	-312	-711	-643	-534	13	121	-43	-112	-48	-624
Total Depreciation and Amortization (D&A)	0.55	1.52	22	22	57	50	22	7.66	3.58	3.88	4.37
Debt-free, Cash-free Net Working Capital to Revenue	-16.43%	-29.89%	-2.08%	0.82%	-11.63%	11.00%	-12.17%	13.96%	4.38%	80.11%	104.23%
Debt-free Net Working Capital to Revenue	84.82%	75.27%	38.02%	35.24%	31.66%	21.42%	-6.40%	44.87%	20.34%	85.92%	171.91%
Net Working Capital to Revenue	84.82%	75.27%	76.05%	70.47%	31.66%	21.42%	-6.40%	44.87%	20.34%	85.92%	171.91%
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.44	$1.36	$1.75	$1.15	$0.90	($0.59)	$6.11	$6.84	$11.77	$1.25	$0.04
Adjusted Weighted Average Basic Shares Outstanding	117M	118.24M	120.46M	122.24M	185.22M	180.30M	169.03M	174.70M	176.75M	173.26M	173.58M
Adjusted Diluted Earnings per Share	$0.44	$1.35	$1.72	$1.13	$0.89	($0.59)	$6.06	$6.81	$11.64	$1.24	$0.04
Adjusted Weighted Average Diluted Shares Outstanding	117M	118.94M	122.26M	124.29M	186.54M	180.30M	170.59M	175.39M	178.69M	174.71M	174.68M
Adjusted Basic & Diluted Earnings per Share	$0.44	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	100.65M	119.51M	121.34M	123.13M	185.60M	167.97M	170.00M	178.58M	174.71M	172.61M	174.68M
Normalized Net Operating Profit after Tax (NOPAT)	43	117	-3.94	155	134	-5.38	173	171	287	192	-22
Normalized NOPAT Margin	21.30%	25.21%	-0.22%	18.95%	10.85%	-0.88%	24.68%	34.24%	41.68%	24.12%	-2.71%
Pre Tax Income Margin	30.74%	34.05%	1.63%	31.72%	16.21%	-19.52%	26.87%	43.54%	54.04%	32.07%	-0.66%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	36.21	55.00	1.85	0.00	0.00	-8.39	11.86	203.02	0.00	0.00	0.00
NOPAT to Interest Expense	24.69	111.32	0.95	0.00	0.00	-6.00	9.97	158.89	0.00	0.00	0.00
EBIT Less CapEx to Interest Expense	34.77	53.48	-0.24	0.00	0.00	-8.54	11.78	203.02	0.00	0.00	0.00
NOPAT Less CapEx to Interest Expense	23.24	54.14	-1.13	0.00	0.00	-6.15	9.89	158.89	0.00	0.00	0.00
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	0.00%	0.00%	-321.81%	6.75%	0.00%	0.00%	0.00%	0.00%	0.00%	7.73%	500.89%
Augmented Payout Ratio	0.00%	1.95%	-321.81%	6.77%	3.19%	-0.44%	0.27%	0.32%	2.31%	12.51%	501.30%

No quarterly metrics and ratios for Yirendai are available.

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Yirendai Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Yirendai's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

Yirendai's net income appears to be on an upward trend, with a most recent value of $7.80 million in 2025, falling from $41.92 million in 2015. The previous period was $216.77 million in 2024. Check out Yirendai's forecast to explore projected trends and price targets.

Yirendai's total operating income in 2025 was -$31.71 million, based on the following breakdown:

Total Gross Profit: $689.19 million
Total Operating Expenses: $720.90 million

Over the last 10 years, Yirendai's total revenue changed from $200.00 million in 2015 to $817.84 million in 2025, a change of 308.9%.

Yirendai's total liabilities were at $598.15 million at the end of 2025, a 26.9% increase from 2024, and a 223.9% increase since 2015.

In the past 10 years, Yirendai's cash and equivalents has ranged from $0.00 in 2020 to $526.25 million in 2024, and is currently $478.78 million as of their latest financial filing in 2025.

Over the last 10 years, Yirendai's book value per share changed from 1.48 in 2015 to 7.68 in 2025, a change of 419.8%.

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Financial statements for NYSE:YRD last updated on 7/9/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.

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Yirendai (YRD) Financials

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Yirendai Financials - Frequently Asked Questions

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Yirendai (YRD) Financials

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How has Yirendai's book value per share changed over the last 10 years?

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