Revenue Breakdown
Composition ()
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Revenue Streams
Yiren Digital Ltd (YRD) generates its revenue through a diversified portfolio of business segments. Currently, the largest contributor to its top-line growth is Financial Services Business , accounting for 90.2% of total sales, equivalent to CNY 1.49B. Other significant revenue streams include Consumption & lifestyle business and others and Insurance Brokerage Business. Understanding this composition is critical for investors evaluating how YRD navigates market cycles within the Consumer Lending industry.
Profitability & Margins
Evaluating the bottom line, Yiren Digital Ltd maintains a gross margin of N/A. This metric reflects the company's pricing power and manufacturing efficiency. Further down the income statement, the operating margin stands at 13.63%, while the net margin is 22.55%. These profitability ratios, combined with a Return on Equity (ROE) of 12.78%, provide a clear picture of how effectively YRD converts its operational activities into shareholder value.
Comparative Benchmarking
In the context of the broader market, YRD competes directly with industry leaders such as PERI and GETY. With a market capitalization of $325.75M, it holds a significant position in the sector. When comparing efficiency, YRD's gross margin of N/A stands against PERI's 34.71% and GETY's 66.32%. Such benchmarking helps identify whether Yiren Digital Ltd is trading at a premium or discount relative to its financial performance.
