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. Read Yirendai Ltd balance sheet liabilities for a breakdown of total debt and financial obligations.
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 net assets of Yirendai Ltd for net asset value and shareholders' equity analysis.
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 |
|---|---|---|
|
Amigo Holdings PLC
LSE:AMGO |
Credit Services | 0.95% |
|
SBI Cards and Payment Services Limited
NSE:SBICARD |
Credit Services | 9.38% |
|
Western Union Co
NYSE:WU |
Credit Services | 30.80% |
|
IIFL Finance Limited
NSE:IIFL |
Credit Services | 3.34% |
|
AEON Thana Sinsap (Thailand) Public Company Limited
BK:AEONTS |
Credit Services | 4.75% |
|
Pepper Money Ltd
AU:PPM |
Credit Services | 0.09% |
|
ALBIS Leasing AG
XETRA:ALG |
Credit Services | 1.19% |
|
Pioneer Credit Ltd
AU:PNC |
Credit Services | 32.27% |
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