Yirendai Ltd Asset Resilience Ratio
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. See defensive interval ratio of Yirendai Ltd to measure how many days the company can operate on defensive assets alone.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio of Yirendai Ltd (2013–2024)
Asset resilience ratio of Yirendai Ltd from 2013 to 2024. This chart shows how Yirendai Ltd's Asset Resilience Ratio has changed over time. Read YRD total debt and obligations for a breakdown of total debt and financial obligations.
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 the complete balance sheet picture, see total assets of Yirendai Ltd.
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 |
|---|---|---|
|
Krungthai Card PCL
BK:KTC |
Credit Services | 92.33% |
|
Mastercard Inc
NYSE:MA |
Credit Services | 0.60% |
|
Indian Railway Finance Corporation Limited
NSE:IRFC |
Credit Services | 0.09% |
|
Best SA
WAR:BST |
Credit Services | 3.86% |
|
Vardhman Holdings Limited
NSE:VHL |
Credit Services | 0.03% |
|
Litigation Capital Management Limited
LSE:LIT |
Credit Services | 78.61% |
|
ZIP Co Ltd
AU:ZIP |
Credit Services | 0.13% |
|
Credit Corp Group Ltd
AU:CCP |
Credit Services | 4.06% |
Yirendai Ltd Asset Resilience Ratio by Year (2013–2024)
Yirendai Ltd asset resilience ratio by year from 2013 to 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