Yiren Digital Ltd - Asset Resilience Ratio

Latest as of December 2024: 3.32%

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 Yiren Digital Ltd working capital to net assets to evaluate short-term liquidity relative to the company's equity base.

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 Trend (2016–2024)

This chart shows how Yiren Digital Ltd's Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see 19YA asset base.

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. Explore 19YA long-term investments to assets to see how much of total assets are deployed in long-term investments.

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
Direct Finance TA TA:DIFI	Credit Services	0.01%
Upstart Holdings Inc NASDAQ:UPST	Credit Services	1.39%
Latitude Group Holdings Ltd AU:LFS	Credit Services	3.67%
OppFi Inc NYSE:OPFI	Credit Services	6.56%
Starteck Finance Limited NSE:STARTECK	Credit Services	0.02%
Mint Corp V:MIT	Credit Services	0.00%
Williamson Magor & Company Limited NSE:WILLAMAGOR	Credit Services	0.06%
Butn Ltd AU:BTN	Credit Services	3.72%

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 ≈ $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

$83.85 Million

€71.72 Million EUR

Market Cap Rank

#19946 Global

#1820 in Germany

Share Price

€0.83

Change (1 day)

-2.35%

52-Week Range

€0.71 - €5.60

All Time High

€41.85