Yirendai Ltd - Asset Resilience Ratio
Yirendai Ltd (YRD) has an Asset Resilience Ratio of 25.01% as of September 2025. 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. Check strategic asset allocation of Yirendai Ltd to assess the company's strategic physical and investment asset allocation.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2013–2024)
This chart shows how Yirendai Ltd's Asset Resilience Ratio has changed over time. See YRD equity to assets ratio to measure how much of total assets are equity-financed.
Liquid Assets Composition Over Time
This chart breaks down Yirendai Ltd's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For market capitalisation and broader financial context, see YRD market cap overview.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $3.86 Billion | 25.01% |
| Short-term Investments | $0.00 | 0% |
| Total Liquid Assets | $3.86 Billion | 25.01% |
Asset Resilience Insights
- Very High Liquidity: Yirendai Ltd maintains exceptional liquid asset reserves at 25.01% of total assets.
- This level provides strong protection against economic uncertainties but may indicate potential for more aggressive growth investments.
- The company primarily holds liquidity in cash and equivalents rather than short-term investments.
Yirendai Ltd Industry Peers by Asset Resilience Ratio
Compare Yirendai Ltd's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Vardhman Holdings Limited
NSE:VHL |
Credit Services | 0.03% |
|
Five-Star Business Finance Limited
NSE:FIVESTAR |
Credit Services | 4.49% |
|
Capri Global Capital Limited
NSE:CGCL |
Credit Services | 0.13% |
|
Srisawad Power 1979 PCL
BK:SAWAD |
Credit Services | 0.98% |
|
Navient Corp
NASDAQ:NAVI |
Credit Services | 3.09% |
|
Hexa Tradex Limited
NSE:HEXATRADEX |
Credit Services | 0.09% |
|
Qliro AB
ST:QLIRO |
Credit Services | 20.36% |
|
Starteck Finance Limited
NSE:STARTECK |
Credit Services | 0.02% |
Annual Asset Resilience Ratio for Yirendai Ltd (2013–2024)
The table below shows the annual Asset Resilience Ratio data for Yirendai Ltd.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2024-12-31 | 32.90% | $4.27 Billion | $12.98 Billion | -28.45pp |
| 2023-12-31 | 61.36% | $6.31 Billion | $10.28 Billion | +3.87pp |
| 2022-12-31 | 57.49% | $4.45 Billion | $7.74 Billion | +18.18pp |
| 2021-12-31 | 39.30% | $3.04 Billion | $7.74 Billion | -0.17pp |
| 2020-12-31 | 39.47% | $2.65 Billion | $6.70 Billion | +1.53pp |
| 2019-12-31 | 37.94% | $3.66 Billion | $9.64 Billion | -7.80pp |
| 2018-12-31 | 45.74% | $3.44 Billion | $7.52 Billion | +8.14pp |
| 2017-12-31 | 37.60% | $2.83 Billion | $7.52 Billion | -6.85pp |
| 2016-12-31 | 44.45% | $2.13 Billion | $4.78 Billion | +43.08pp |
| 2015-12-31 | 1.37% | $30.07 Million | $2.20 Billion | +1.37pp |
| 2014-12-31 | 0.00% | $3.11K | $402.12 Million | -5.75pp |
| 2013-12-31 | 5.75% | $1.72 Million | $29.90 Million | -- |
About Yirendai 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