Yiren Digital Ltd
Yiren Digital Ltd. provides financial services through an AI-powered platform in China. Its platform provides a suite of financial and lifestyle services. The company offers financial services, which provides a portfolio of loan products to borrowers; insurance brokerage services; and consumption and lifestyle services, including non-financial products and services to meet various consumer needs.… Read more
Yiren Digital Ltd - Asset Resilience Ratio
Yiren Digital Ltd (19YA) has an Asset Resilience Ratio of 3.32% as of December 2024. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2016–2024)
This chart shows how Yiren Digital Ltd's Asset Resilience Ratio has changed over time. Compare with other companies' asset resilience ratios.
Liquid Assets Composition Over Time
This chart breaks down Yiren Digital Ltd's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | €0.00 | 0% |
| Short-term Investments | €430.62 Million | 3.32% |
| Total Liquid Assets | €430.62 Million | 3.32% |
Asset Resilience Insights
- Limited Liquidity: Yiren Digital Ltd maintains only 3.32% of assets in liquid form.
- This low level may indicate efficient asset utilization but could pose risks during economic downturns.
- The company has significant short-term investments, indicating active treasury management.
Yiren Digital Ltd Industry Peers by Asset Resilience Ratio
Compare Yiren Digital Ltd's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Samsung Card Co. Ltd.
KO:029780 |
Credit Services | 0.18% |
|
Aeon Credit Service Bhd
KLSE:5139 |
Credit Services | 0.25% |
|
ELK-Desa Resources Bhd
KLSE:5228 |
Credit Services | 2.82% |
|
Chailease Holding Co Ltd
TW:5871 |
Credit Services | 6.79% |
|
Genertec Universal Medical Group Company Limited
F:5UM |
Credit Services | 0.00% |
|
AVIC Capital Co Ltd
SHG:600705 |
Credit Services | 12.64% |
Annual Asset Resilience Ratio for Yiren Digital Ltd (2016–2024)
The table below shows the annual Asset Resilience Ratio data for Yiren Digital Ltd.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2024-12-31 | 3.32% | €430.62 Million | €12.98 Billion | -1.69pp |
| 2023-12-31 | 5.00% | €514.14 Million | €10.28 Billion | -6.39pp |
| 2022-12-31 | 11.40% | €972.74 Million | €8.54 Billion | +9.10pp |
| 2021-12-31 | 2.29% | €177.36 Million | €7.74 Billion | -0.33pp |
| 2020-12-31 | 2.62% | €175.51 Million | €6.70 Billion | -2.16pp |
| 2019-12-31 | 4.78% | €460.99 Million | €9.64 Billion | -6.29pp |
| 2018-12-31 | 11.07% | €832.47 Million | €7.52 Billion | -1.74pp |
| 2017-12-31 | 12.81% | €963.25 Million | €7.52 Billion | -11.40pp |
| 2016-12-31 | 24.21% | €1.16 Billion | €4.78 Billion | -- |