Yirendai Ltd (YRD) - Net Assets
Based on the latest financial reports, Yirendai Ltd (YRD) has net assets worth $10.34 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) and total liabilities ($5.11 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. Check Yirendai Ltd (YRD) asset resilience 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 | 75.89% |
| 5-Year Change | 152.6% |
| 10-Year Change | 874.57% |
| Growth Volatility | 303.2 |
Yirendai Ltd - Net Assets Trend (2013–2024)
This chart illustrates how Yirendai Ltd's net assets have evolved over time, based on quarterly financial data. Also explore YRD current and non-current assets for the complete picture of this company's asset base.
Annual Net Assets for Yirendai Ltd (2013–2024)
The table below shows the annual net assets of Yirendai Ltd from 2013 to 2024. For live valuation and market cap data, see Yirendai Ltd market cap and net worth.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $9.54 Billion | +18.02% |
| 2023-12-31 | $8.09 Billion | +67.70% |
| 2022-12-31 | $4.82 Billion | 0.00% |
| 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 | +118.55% |
| 2015-12-31 | $979.14 Million | +338.32% |
| 2014-12-31 | $223.39 Million | +1067.22% |
| 2013-12-31 | $19.14 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Yirendai 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 449655955648.0% 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% |
| Common Stock | $132.00K | 0.00% |
| Other Comprehensive Income | $79.27 Million | 0.83% |
| Other Components | $5.03 Billion | 52.69% |
| Total Equity | $9.54 Billion | 100.00% |
Yirendai Ltd Competitors by Market Cap
The table below lists competitors of Yirendai Ltd ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Vindhya Telelinks Limited
NSE:VINDHYATEL
|
$175.45 Million |
|
Firm Capital Property Trust
TO:FCD-UN
|
$175.49 Million |
|
Genohco Inc.
KQ:361390
|
$175.64 Million |
|
Paragon Care Ltd
AU:PGC
|
$175.69 Million |
|
Pappajack Bhd
KLSE:0242
|
$175.40 Million |
|
Thrace Plastics Holding and Commercial S.A
AT:PLAT
|
$175.37 Million |
|
Laguna Resorts & Hotels Public Company Limited
BK:LRH
|
$175.34 Million |
|
1911 Gold Corp
V:AUMB
|
$175.26 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Yirendai 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.
- Other comprehensive income increased equity by 55,599,000.
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 Comprehensive Income | $55.60 Million | +0.58% |
| Other Changes | $16.93 Million | +0.18% |
| Total Change | $- | 18.02% |
Book Value vs Market Value Analysis
This analysis compares Yirendai 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: 0.01x
- 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.
- The price-to-book ratio has decreased from 3.10x to 0.01x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2013-12-31 | $0.65 | $2.03 | x |
| 2014-12-31 | $7.64 | $2.03 | x |
| 2015-12-31 | $19.46 | $2.03 | x |
| 2016-12-31 | $35.98 | $2.03 | x |
| 2017-12-31 | $32.56 | $2.03 | x |
| 2018-12-31 | $54.98 | $2.03 | x |
| 2019-12-31 | $96.28 | $2.03 | x |
| 2020-12-31 | $41.90 | $2.03 | x |
| 2021-12-31 | $56.53 | $2.03 | x |
| 2022-12-31 | $56.53 | $2.03 | x |
| 2023-12-31 | $181.00 | $2.03 | x |
| 2024-12-31 | $218.47 | $2.03 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Yirendai 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 above the historical average (-2.86%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2013 | -264.15% | -266.43% | 0.63x | 1.56x | $-52.47 Million |
| 2014 | -12.40% | -14.10% | 0.49x | 1.80x | $-50.05 Million |
| 2015 | 29.06% | 20.96% | 0.62x | 2.24x | $186.61 Million |
| 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 | 24.78% | 34.79% | 0.44x | 1.61x | $712.73 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 Yirendai Ltd's net assets metrics with peer companies in the Credit Services industry.
Industry Context
- Industry: Credit Services
- Average net assets among peers: $4,949,099,118
- Average return on equity (ROE) among peers: 3.80%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Yirendai Ltd (YRD) | $10.34 Billion | -264.15% | 0.49x | $175.41 Million |
| Affirm Holdings Inc (AFRM) | $2.53 Billion | -38.88% | 2.22x | $16.59 Billion |
| Federal Agricultural Mortgage Corporation (AGM) | $248.49 Million | 12.88% | 18.94x | $1.63 Billion |
| Federal Agricultural Mortgage Corporation (AGM-A) | $183.57 Million | 12.39% | 22.00x | $137.84 Million |
| AIOS Tech Inc. (AIOS) | $79.94 Million | -16.55% | 0.35x | $3.53 Million |
| Ally Financial Inc (ALLY) | $21.85 Billion | 8.55% | 7.67x | $12.59 Billion |
| Antalpha Platform Holding Co (ANTA) | $12.71 Million | -51.81% | 56.59x | $210.67 Million |
| Atlanticus Holdings Corporation (ATLC) | $54.50 Million | 46.61% | 0.61x | $958.76 Million |
| American Express Company (AXP) | $22.00 Billion | 31.46% | 7.59x | $219.50 Billion |
| Bread Financial Holdings, Inc. (BFH) | $2.18 Billion | 27.40% | 9.26x | $3.31 Billion |
| Credit Acceptance Corporation (CACC) | $346.20 Million | 5.95% | 0.23x | $5.39 Billion |
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