Yiren Digital 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
Yiren Digital Ltd (19YA) - Net Assets
Latest net assets as of June 2025: €9.98 Billion EUR
Based on the latest financial reports, Yiren Digital Ltd (19YA) has net assets worth €9.98 Billion EUR as of June 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (€14.45 Billion) and total liabilities (€4.47 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | €9.98 Billion |
| % of Total Assets | 69.09% |
| Annual Growth Rate | 20.55% |
| 5-Year Change | 152.6% |
| 10-Year Change | N/A |
| Growth Volatility | 26.51 |
Yiren Digital Ltd - Net Assets Trend (2016–2024)
This chart illustrates how Yiren Digital Ltd's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Yiren Digital Ltd (2016–2024)
The table below shows the annual net assets of Yiren Digital Ltd from 2016 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | €9.54 Billion | +18.02% |
| 2023-12-31 | €8.09 Billion | +34.07% |
| 2022-12-31 | €6.03 Billion | +25.08% |
| 2021-12-31 | €4.82 Billion | +27.63% |
| 2020-12-31 | €3.78 Billion | -15.87% |
| 2019-12-31 | €4.49 Billion | -12.32% |
| 2018-12-31 | €5.12 Billion | +72.42% |
| 2017-12-31 | €2.97 Billion | +38.79% |
| 2016-12-31 | €2.14 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to Yiren Digital Ltd's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 276.8% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | €4.44 Billion | 46.48% |
| Other Components | €5.11 Billion | 53.52% |
| Total Equity | €9.54 Billion | 100.00% |
Yiren Digital Ltd Competitors by Market Cap
The table below lists competitors of Yiren Digital Ltd ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Wismilak Inti Makmur Tbk
JK:WIIM
|
$89.82 Million |
|
Stem Inc
NYSE:STEM
|
$89.84 Million |
|
Seah Holdings
KO:058650
|
$89.87 Million |
|
Posiflex Technology Inc
TW:8114
|
$89.88 Million |
|
NAUROBOTICS
KQ:459510
|
$89.76 Million |
|
Complete Solaria, Inc. Common Stock
NASDAQ:CSLR
|
$89.72 Million |
|
Optiemus Infracom Limited
NSE:OPTIEMUS
|
$89.71 Million |
|
Companhia Brasileira De Distribuicao
PINK:CBDBY
|
$89.70 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Yiren Digital Ltd's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 8,085,549,000 to 9,542,430,000, a change of 1,456,881,000 (18.0%).
- Net income of 1,582,299,000 contributed positively to equity growth.
- Dividend payments of 122,333,000 reduced retained earnings.
- Share repurchases of 75,612,000 reduced equity.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | €1.58 Billion | +16.58% |
| Dividends Paid | €122.33 Million | -1.28% |
| Share Repurchases | €75.61 Million | -0.79% |
| Other Changes | €72.53 Million | +0.76% |
| Total Change | €- | 18.02% |
Book Value vs Market Value Analysis
This analysis compares Yiren Digital Ltd's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.05x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2017-12-31 | €24.48 | €3.00 | x |
| 2018-12-31 | €41.59 | €3.00 | x |
| 2019-12-31 | €24.19 | €3.00 | x |
| 2020-12-31 | €22.49 | €3.00 | x |
| 2021-12-31 | €28.36 | €3.00 | x |
| 2022-12-31 | €33.77 | €3.00 | x |
| 2023-12-31 | €46.28 | €3.00 | x |
| 2024-12-31 | €55.28 | €3.00 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Yiren Digital Ltd utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 16.58%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 27.25%
- • Asset Turnover: 0.45x
- • Equity Multiplier: 1.36x
- Recent ROE (16.58%) is below the historical average (23.13%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2016 | 52.17% | 34.48% | 0.68x | 2.24x | €902.41 Million |
| 2017 | 46.19% | 24.75% | 0.74x | 2.53x | €1.07 Billion |
| 2018 | 18.88% | 17.20% | 0.75x | 1.47x | €454.51 Million |
| 2019 | 25.74% | 13.41% | 0.89x | 2.15x | €706.60 Million |
| 2020 | -18.34% | -17.48% | 0.59x | 1.77x | €-1.07 Billion |
| 2021 | 21.42% | 23.07% | 0.58x | 1.61x | €550.84 Million |
| 2022 | 19.81% | 34.79% | 0.40x | 1.42x | €591.79 Million |
| 2023 | 25.73% | 42.49% | 0.48x | 1.27x | €1.27 Billion |
| 2024 | 16.58% | 27.25% | 0.45x | 1.36x | €628.06 Million |
Industry Comparison
This section compares Yiren Digital Ltd's net assets metrics with peer companies in the Credit Services industry.
Industry Context
- Industry: Credit Services
- Average net assets among peers: $5,938,656,455
- Average return on equity (ROE) among peers: 4.46%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Yiren Digital Ltd (19YA) | €9.98 Billion | 52.17% | 0.45x | $89.77 Million |
| Yixin Group Limited (1YX) | $15.42 Billion | -1.08% | 2.28x | $705.41 Million |
| BFF Bank S.p.A (2BF) | $366.24 Million | 25.16% | 12.49x | $588.68 Million |
| Resurs Holding AB (publ) (4R6) | $7.14 Billion | 17.03% | 4.85x | $60.83 Million |
| Genertec Universal Medical Group Company Limited (5UM) | $6.57 Billion | 13.27% | 3.41x | $642.11 Million |
| ALBIS Leasing AG (ALG) | $6.63 Million | -16.84% | 17.44x | $12.44 Million |
| Brockhaus Capital Management AG (BKHT) | $223.44 Million | -3.01% | 0.37x | $75.53 Million |
| Shougang Concord Grand (Group) Limited (CGG) | $1.46 Billion | -5.63% | 0.73x | $8.69 Million |
| Qfin Holdings, Inc. (CKR0) | $22.01 Billion | 19.47% | 1.08x | $1.32 Billion |
| creditshelf Aktiengesellschaft (CSQ) | $244.96 Million | -8.28% | 0.83x | $2.48K |