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) - Total Assets
Latest total assets as of June 2025: €14.45 Billion EUR
Based on the latest financial reports, Yiren Digital Ltd (19YA) holds total assets worth €14.45 Billion EUR as of June 2025.
Total assets represent everything the company owns and controls, combining both current assets—like cash and cash equivalents, accounts receivable, and inventories—and non-current assets such as property, plant, equipment (PP&E), intangible assets, and long-term investments.
Yiren Digital Ltd - Total Assets Trend (2016–2024)
This chart illustrates how Yiren Digital Ltd’s total assets have evolved over time, based on quarterly financial data. Explore and compare other companies by total assets.
Yiren Digital Ltd - Asset Composition Analysis
Current Asset Composition (December 2024)
Yiren Digital Ltd's total assets of €14.45 Billion consist of 90.4% current assets and 9.6% non-current assets.
| Asset Category | Amount (EUR) | % of Total Assets |
|---|---|---|
| Cash & Equivalents | €0.00 | 29.6% |
| Accounts Receivable | €566.54 Million | 4.4% |
| Inventory | €0.00 | 0.0% |
| Property, Plant & Equipment | €0.00 | 0.0% |
| Intangible Assets | €33.78 Million | 0.3% |
| Goodwill | €4.78 Million | 0.0% |
Asset Composition Trend (2016–2024)
This chart illustrates how Yiren Digital Ltd's asset composition has evolved over time. Understanding changes in asset allocation can provide insights into the company's strategic shifts, capital allocation priorities, and business focus evolution.
Key Asset Composition Facts
- Current vs. Non-Current Assets: Yiren Digital Ltd's current assets represent 90.4% of total assets in 2024, an increase from 63.9% in 2016.
- Cash Position: Cash and equivalents constituted 29.6% of total assets in 2024, up from 20.2% in 2016.
- Tangible vs. Intangible: Intangible assets (including goodwill) make up 0.0% of total assets, unchanged from 0.0% in 2016.
- Asset Diversification: The largest asset category is accounts receivable at 4.4% of total assets.
Yiren Digital Ltd Competitors by Total Assets
Key competitors of Yiren Digital Ltd based on total assets are shown below.
| Company | Country | Total Assets |
|---|---|---|
|
Pappajack Bhd
KLSE:0242
|
Malaysia | RM361.68 Million |
|
Evergreen Max Cash Capital Berhad
KLSE:0286
|
Malaysia | RM361.11 Million |
|
Samsung Card Co. Ltd.
KO:029780
|
Korea | ₩32.17 Trillion |
|
Yixin Group Limited
F:1YX
|
Germany | €50.34 Billion |
|
BFF Bank S.p.A
F:2BF
|
Germany | €12.13 Billion |
|
Resurs Holding AB (publ)
F:4R6
|
Germany | €50.33 Billion |
|
Aeon Credit Service Bhd
KLSE:5139
|
Malaysia | RM15.62 Billion |
|
ELK-Desa Resources Bhd
KLSE:5228
|
Malaysia | RM894.76 Million |
Yiren Digital Ltd - Asset Efficiency Metrics
Asset efficiency metrics measure how effectively a company uses its assets to generate revenue and profits. These indicators help investors evaluate management's ability to deploy capital efficiently.
Asset Turnover Ratio
Measures how efficiently a company uses its assets to generate sales
Moderate asset utilization - Yiren Digital Ltd generates 0.45x its asset value in annual revenue.
Return on Assets (ROA)
Measures how efficiently a company uses its assets to generate profits
Excellent ROA - For every $100 in assets, Yiren Digital Ltd generates $ 12.19 in net profit.
Yiren Digital Ltd - Liquidity and Working Capital Analysis
Liquidity ratios measure a company's ability to pay off its short-term debts as they come due, using the company's current or quick assets. Working capital represents the operational liquidity available.
Key Liquidity Metrics
| Metric | Current | 1 Year Ago | 5 Years Ago |
|---|---|---|---|
| Current Ratio | 3.76 | 4.18 | 3.36 |
| Quick Ratio | 3.76 | 4.18 | 3.36 |
| Cash Ratio | 0.00 | 0.00 | 0.00 |
| Working Capital | €7.16 Billion | € 6.88 Billion | € 5.20 Billion |
Yiren Digital Ltd - Advanced Valuation Insights
This section examines the relationship between Yiren Digital Ltd's asset base and its market valuation, helping to identify whether the company's assets are efficiently translated into market value.
Key Valuation Metrics
| Current Price-to-Book Ratio | 0.27 |
| Latest Market Cap to Assets Ratio | 0.01 |
| Asset Growth Rate (YoY) | 26.3% |
| Total Assets | €12.98 Billion |
| Market Capitalization | $89.17 Million USD |
Valuation Analysis
Below Book Valuation: The market values Yiren Digital Ltd's assets below their book value (0.01 x), which may indicate investor concerns about asset quality or future growth.
Rapid Asset Growth: Yiren Digital Ltd's assets grew by 26.3% over the past year, indicating significant expansion of the company's resource base.
Annual Total Assets for Yiren Digital Ltd (2016–2024)
The table below shows the annual total assets of Yiren Digital Ltd from 2016 to 2024.
| Year | Total Assets | Change |
|---|---|---|
| 2024-12-31 | €12.98 Billion | +26.33% |
| 2023-12-31 | €10.28 Billion | +20.39% |
| 2022-12-31 | €8.54 Billion | +10.29% |
| 2021-12-31 | €7.74 Billion | +15.48% |
| 2020-12-31 | €6.70 Billion | -30.51% |
| 2019-12-31 | €9.64 Billion | +28.27% |
| 2018-12-31 | €7.52 Billion | +0.00% |
| 2017-12-31 | €7.52 Billion | +57.18% |
| 2016-12-31 | €4.78 Billion | -- |