Yiren Digital Ltd (19YA) - Net Assets
Based on the latest financial reports, Yiren Digital Ltd (19YA) has net assets worth €10.34 Billion EUR (≈ $12.09 Billion USD) as of September 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (€15.45 Billion ≈ $18.06 Billion USD) and total liabilities (€5.11 Billion ≈ $5.97 Billion USD). 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. Check Yiren Digital Ltd asset resilience ratio to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | €10.34 Billion |
| % of Total Assets | 66.94% |
| 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. Also explore 19YA current and non-current assets for the complete picture of this company's asset base.
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. For live valuation and market cap data, see 19YA market cap.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | €9.54 Billion ≈ $11.16 Billion |
+18.02% |
| 2023-12-31 | €8.09 Billion ≈ $9.45 Billion |
+34.07% |
| 2022-12-31 | €6.03 Billion ≈ $7.05 Billion |
+25.08% |
| 2021-12-31 | €4.82 Billion ≈ $5.64 Billion |
+27.63% |
| 2020-12-31 | €3.78 Billion ≈ $4.42 Billion |
-15.87% |
| 2019-12-31 | €4.49 Billion ≈ $5.25 Billion |
-12.32% |
| 2018-12-31 | €5.12 Billion ≈ $5.99 Billion |
+72.42% |
| 2017-12-31 | €2.97 Billion ≈ $3.47 Billion |
+38.79% |
| 2016-12-31 | €2.14 Billion ≈ $2.50 Billion |
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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 |
|---|---|
|
Whanin Pharm
KO:016580
|
$122.71 Million |
|
Firefly AB (publ)
ST:FIRE
|
$122.71 Million |
|
Mangata Holding S.A.
WAR:MGT
|
$122.75 Million |
|
ADF Group Inc.
TO:DRX
|
$122.76 Million |
|
Indomobil Multi Jasa Tbk
JK:IMJS
|
$122.69 Million |
|
Greenheart Gold Inc.
V:GHRT
|
$122.63 Million |
|
JLK Inc
KQ:322510
|
$122.56 Million |
|
Chien Shing Harbour Service Co Ltd
TW:8367
|
$122.55 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: 0.03x
- 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 | €1.56 | x |
| 2018-12-31 | €41.59 | €1.56 | x |
| 2019-12-31 | €24.19 | €1.56 | x |
| 2020-12-31 | €22.49 | €1.56 | x |
| 2021-12-31 | €28.36 | €1.56 | x |
| 2022-12-31 | €33.77 | €1.56 | x |
| 2023-12-31 | €46.28 | €1.56 | x |
| 2024-12-31 | €55.28 | €1.56 | 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: $6,698,009,630
- Average return on equity (ROE) among peers: -5.83%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Yiren Digital Ltd (19YA) | €10.34 Billion | 52.17% | 0.49x | $122.70 Million |
| Qudian Inc (1QU) | $11.69 Billion | 0.33% | 0.07x | $236.46 Million |
| Yixin Group Limited (1YX) | $15.34 Billion | -119.48% | 1.79x | $1.60 Billion |
| CREDIT CORP. GROUP LTD. (2RC) | $740.64 Million | 13.60% | 0.32x | $444.96 Million |
| HANHUA FNCL HLDG CO.H YC1 (5HF) | $7.93 Billion | 0.40% | 0.66x | $11.63 Million |
| Genertec Universal Medical Group Company Limited (5UM) | $20.37 Billion | 10.36% | 2.94x | $1.41 Billion |
| PREMIA FINANCE O.N. (81U) | $2.89 Million | 20.84% | 0.56x | $1.64 Million |
| SY HOLDINGS GROUP HD-01 (9U0) | $3.95 Billion | 10.40% | 1.23x | $1.10 Billion |
| ALBIS Leasing AG (ALG) | $32.04 Million | 14.11% | 6.28x | $60.62 Million |
| Brockhaus Capital Management AG (BKHT) | $223.44 Million | -3.01% | 0.37x | $171.34 Million |
About 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