Yiren Digital Ltd Asset Resilience Ratio

Latest as of December 2024: 3.32%

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. See 19YA days of operational coverage to measure how many days the company can operate on defensive assets alone.

Liquid Assets

€430.62 Million

≈ $503.44 Million USD Cash + Short-term Investments

Total Assets

€12.98 Billion

≈ $15.18 Billion USD All company assets

Resilience Assessment

Low

Financial Resilience Level

Asset Resilience Ratio of Yiren Digital Ltd (2016–2024)

Asset resilience ratio of Yiren Digital Ltd from 2016 to 2024. This chart shows how Yiren Digital Ltd's Asset Resilience Ratio has changed over time. Read 19YA liabilities breakdown for a breakdown of total debt and financial obligations.

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. For the complete balance sheet picture, see how large is Yiren Digital Ltd's balance sheet.

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
Muthoot Finance Limited NSE:MUTHOOTFIN	Credit Services	6.00%
Gentera S.A.B. de C.V MX:GENTERA	Credit Services	0.95%
Housing & Urban Development Corporation Limited NSE:HUDCO	Credit Services	0.10%
Upstart Holdings Inc NASDAQ:UPST	Credit Services	1.39%
ZIP Co Ltd AU:ZIP	Credit Services	0.13%
Five-Star Business Finance Limited NSE:FIVESTAR	Credit Services	4.49%
Latitude Group Holdings Ltd AU:LFS	Credit Services	3.67%
Direct Finance TA TA:DIFI	Credit Services	0.01%

Yiren Digital Ltd Asset Resilience Ratio by Year (2016–2024)

Yiren Digital Ltd asset resilience ratio by year from 2016 to 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 ≈ $503.44 Million	€12.98 Billion ≈ $15.18 Billion	-1.69pp
2023-12-31	5.00%	€514.14 Million ≈ $601.08 Million	€10.28 Billion ≈ $12.01 Billion	-6.39pp
2022-12-31	11.40%	€972.74 Million ≈ $1.14 Billion	€8.54 Billion ≈ $9.98 Billion	+9.10pp
2021-12-31	2.29%	€177.36 Million ≈ $207.35 Million	€7.74 Billion ≈ $9.05 Billion	-0.33pp
2020-12-31	2.62%	€175.51 Million ≈ $205.20 Million	€6.70 Billion ≈ $7.84 Billion	-2.16pp
2019-12-31	4.78%	€460.99 Million ≈ $538.95 Million	€9.64 Billion ≈ $11.28 Billion	-6.29pp
2018-12-31	11.07%	€832.47 Million ≈ $973.24 Million	€7.52 Billion ≈ $8.79 Billion	-1.74pp
2017-12-31	12.81%	€963.25 Million ≈ $1.13 Billion	€7.52 Billion ≈ $8.79 Billion	-11.40pp
2016-12-31	24.21%	€1.16 Billion ≈ $1.35 Billion	€4.78 Billion ≈ $5.59 Billion	--

pp = percentage points

About Yiren Digital Ltd

F:19YA Germany Credit Services

Market Cap

$36.57 Million

€31.28 Million EUR

Market Cap Rank

#22863 Global

#2010 in Germany

Share Price

€0.36

Change (1 day)

-9.95%

52-Week Range

€0.36 - €4.64

All Time High

€41.85